23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was a consumer that held a car loan with Wells Fargo. My car loan date was from XX/XX/XXXX - XX/XX/XXXX. And I had read about the settlement with Wells Fargo, and I have yet to be contacted by them, about the loan I held. 
There are no answers on their website. And I spoke with someone & was told that I would be notified, if anything was owed. I would like to know is there some way I can be proactive and check myself? What information do you need from me? And is there a POC at Wells Fargo, that I could directly speak with about my auto loan ( paid off ) and I may add with an 18 % interest rate on the loan.
Product: Debt collection

DCM Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX. I do not owe XXXX XXXX  nor DCM Services , LLC the alleged debt amount of : {$15000.00} Please see attached pdf document ( s )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

I suffered a XXXX XXXX three years ago and was subsequently diagnosed with XXXX XXXX, XXXX   XXXX XXXX, and XXXX in my knees, I was unable to work and became eligible for Social Security.. Due to my various problems I have not been able to find employment. My first contact with Navient was to delay repayment through forbearance. However in paperwork from Navient I noticed that a student loan from XXXX XXXX was included in the amount owed. This was a student load PAID OFF years ago. I requested an accounting of my loans to determine what was causing this problem. I never recieved a reply only paperwork with " summaries '' of loans and not explanation. I was then directed toward income repayment and was directed to send my taxes to Navient. In the tax return was {$15000.00} in XXXX XXXX for. the support of my XXXX minor children. As such the amount was overstated. I have since been placed on forbearance several times and the amount that I owe has ballooned to {$230000.00} for a XXXX XXXX XXXX XXXX XXXX. I attempted to qualify for XXXX but can not find a doctor in the area to even begin the primary physician has refused. During this whole process it is almost impossible to find any assistance with dealing wih these issues. Navient appears to prefer only electronic communication and constantly steers people toward forbearance. 

I have several issues ; 1. I want an accounting of charges, particularly the XXXX XXXX XXXX from 40 years ago. 
2. The income driven aspect of my loan is incorrect due to the fact that I am on Social Security and some of my award is for my minor children. 

3. What does a person do when they apply for XXXX but are already on Social Security. How do they get a physician. Navient seems to suggest that all people get VA Assistance or Social Security XXXX. 

The entire Navient process is confusing and seems to be geared to limit the involvement of the student. I understand that Navient is a collection agency but the student is left with little ability to understand the complexity of Navient 's process.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed my credit score dropped and I had a hard inquiry on my credit report from XXXX date XX/XX/2024 that I didn't authorize
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Product: Checking or savings account

On XX/XX/XXXX I deposited a {$75000.00} check that Wells Fargo CLEARED. Once the money cleared I has access to transfer it. I transferred the {$75000.00} out of my Wells Fargo account into my personally brokerage account. Two days later, on XX/XX/XXXX, Wells Fargo said the check was now pending and had some " issues '' and they then removed {$75000.00} from my account, resulting in a {$60000.00} overdraft. Upon calling the bank they had no information for why the check was reversed and did not give me my money back. They reached into my bank account, and stole my money.
Product: Credit reporting or other personal consumer reports

There are inquiries on my consumer report that are not authorized. I asked the credit company to investigate and delete and they have not respond or left information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a free Experian ID account because of a breach several years ago when my financial information was stolen. I am supposed to be able to access my score a rundown of attempts to access my accounts as well as lock/freeze and unlock? unfreeze my credit. 
My problem is it takes several hours of phone calls to be able to login this has been an ongoing problem since the breach. I know longer remember the date of the breach but it has been several years. 
I tried reaching my Account on XXXX XXXX and again today XXXX XXXX at approximately XXXXXXXX XXXX it is now XXXXXXXX XXXX I just ended the call to Experian and and decided the CFPB may need to get involved. I am pretty sure I'm not the only one with this problem. 
Id theft has no consequences for the Company 's credit bureaus and others who aggregate our personal and financial information. his has to change. 
The reason i wanted to check my report is I was notified of another breech we were involved in. 
Contact numbers for these Credit bureaus are buried so you have to jump through hoops to find them, when you do find them you have to jump through more hoops to get to a Human and generally they are from overseas and their language skills are extremely limited. 
Thanks for listening please help. 

XXXX XXXX XXXX XXXX, Oh XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I created an account on XXXX to see what my credit scores look liked and I noticed a debt collection was up there that I did not recall. I never opened an account on XX/XX/2021 with the company XXXX ( XXXX XXXX XXXX ). So I filed a dispute and received the dispute information that the debt collection was correct. So I called both Credit Control Services INC and XXXX to figure out why this debt collection of {$1700.00} is on my credit report that I didnt have any connections to and both could not pull up any documentations that Ive had anything to do with this debt collection thats why Im reporting it as fraud. Also Ive talked to the debt collections agency and the male that I was speaking to hung up on me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint so that this agency can not claim ignorance to my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was purchasing a vehicle in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have names, phone numbers, addresses and information on my credit report that is not mine. A car loan that is not mine also appears on Experian, with XXXX XXXX XXXX. I also want to remove the inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and found fraudulent information on this account Please review the information on this XXXX XXXXXXXX XXXX  XXXX account open balance {$760.00}
Product: Credit card

On XXXX XX/XX/year> I sent a Registered Mail parcel to USAA Credit Card XXXX Account ending in XXXX containing a Payment Instrument XXXX XXXXXXXX NEGOTIABLE INSTRUMENT along with a PAYMENT ORDER/Instruction XXXX XXXXXXXX. ( See attachments ) USAA received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The XXXX was stamped and endorsed tendered in the amount of {$10000.00} XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 31 CFR 328.6. According to the XXXX that govern consumer transactions this debt is XXXX. 
I have made multiple attempts through phone communication informing USAA of their NOTICE OF DISHONOR.XXXX XXXXXXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received my payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and XXXX XXXX XXXX. USAA has violated their fiduciary responsibilities as servicers of my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  states that on XX/XX/2020 my credit score from Trans Union was XXXX. My information shows my credit score from Trans Union was XXXX. I would like a copy of the report XXXX XXXX XXXX  received from Trans Union that showed my score being XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX # XXXXXXXX XXXX XXXX  Account # XXXX # XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX v. XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase  voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Product: Credit reporting or other personal consumer reports

I have sent out certified letter and had a company send out letters 3 times and, on each occasion, I have not received anything from either credit bureau to settle the situation. I have disputed negative accounts that are in collections and have not received word about any of the accounts nor have any of the accounts been deleted after multiple attempts.
Product: Checking or savings account

I eas using XXXX for over XXXX XXXX years and in XX/XX/2021 the company was compromised. My information was stolen and sold on the internet. I told them to stop billing me and close the account. They didnt even do anything about said I owed them several months for service I didnt use. I also told Wells Fargo to stop paying XXXX because I wasnt using the service. Wells Fargo paid them and charged me fees for overdraft. Also my credit rating was about XXXX at least. Its now about XXXX. I never made any of the fraudulent charges and nobody did anything to help me.