23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Banking Institution : Wells Fargo. 

Summary : Debit card and iphone were both stolen from me in the early hours of XX/XX/23 at a bar in XXXX, GA. The following day, I went to a nearby Wells Fargo branch and discovered that whoever stole the card spent roughly $ XXXX in fraudulent transactions. I immediately filed a fraud claim with the banker onsite. After 10 business days I called the claims department and re told my account of how my card was stolen and they stated that they would update my file ( nothing changed from original story. ) A few days later I received a letter in the mail ( attached ) that my claim has been denied. After two more phone calls to members for their fraud team, they refused to even state a reason why the claim was denied. I did not authorize these transactions and Wells Fargo states that their customers are not liable for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a method of verification letter to Experian to verify a bankruptcy on my credit report and they received it but failed to notify me of the method they used to verify that the bankruptcy belongs to me. The only update with the dispute was that it remains. I want to know who did they verify that information with.
Product: Debt collection

This charge from XXXX was never supposed to be added to my account. I have spent 6 months getting XXXX to remove this charge and clear my balance to {$0.00}. I was told the charge was removed from my account over 5 months ago. I have been released from this erroneous charge. They guaranteed me that this would never be an issue on my credit report, as I pride myself with keeping a very high credit score. Someone needs to get through to this company and confirm the charge was removed.
Product: Checking or savings account

Venmo has no fraud department. My account was hacked in 2017 after a remote user sent along an unauthorized payment to both a contact and themselves.  I stopped payment via the private bank but Venmo held me liable for the funds $XXXX. The company gave no clear information on why my fraud claim was denied and did not even notify me of their findings. I notified the company in my original complaint that the payment was clearly fraudulent as I don’t even know the contact and the person who hacked my account made duplicate payments with duplicate texts (verbatim) which proves that it could not have been a pocket dial.Below is an email chain My email to Venmo: I disputed the charges with the banks right after I contacted You guys. I'm very worried about how this breach occurred....Your request (#XXXX) has been updated. To add additional comments, reply to this email.XXXX  (Venmo)XX/XX/XXXX, XXXX XXXX  CDTXXXX,Thank you for letting me know. After reviewing your account, it appears that these payments occurred using the same XXXX  you used to sign up for Venmo. Based on the nonsense payment notes, this activity looks to be an accidental "pocket payment," meaning that your device was unlocked and in a pocket, bag, or similar. Your bank rejected these payments, but Venmo credited the accidental recipients in these transactions. I will reach out to those paid so we can resolve the loss that was created due to this activity.Let me know if you have questions or additional information in the meantime.Best,XXXX XXXX.Venmo | Account Specialist
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XX/XX/2023 I applied for a property with XXXX XXXX. XXXX uses a 3rd party SafeRent to verify my information. Within XXXX minutes I got a denial email from XXXX and SafeRent. My leasing agent from XXXX called and told me to dispute my information with SafeRent directly. Immediately I called SafeRent and explained the information verified is inaccurate and has impacted my livelihood. I was informed that this company called XXXX XXXX courts directly and spoke with XXXX XXXX XXXX to verify the information. In which I know for certain isn't accurate because not only does this violate my Consumer Rights, but as informed by county clerk XXXX XXXX XXXX XXXX XXXX. Several XXXX XXXX Clerks have assisted me with this ongoing issue. I am overwhelmed trying to get SafeRent to verify in full the information that I've disputed directly with them. Soon after getting denial from SafeRent, I had to apply with XXXX who thoroughly investigated the documents and even chose not to use the automated XXXX system. They had to verify my submitted documents by calling directly to the property on XXXX XXXX. If SafeRent would have taken the due diligence or cared about consumers they will realize that the SSN, DOB, and ID information doesn't match my information. They have based their denial fully by submitting my name in an automated database. Please assist, I've provided attachments and court documents even an notarized sealed letter from an attorney. SafeRent still says they called the County Courts to verify and has the information inaccurate in their database. This violates my consumer rights and also impacts my family livelihood in finding a place to call home.
Product: Debt collection

I don't recall having a contractual relationship with NCB MANAGEMENT SERVICES Account Number XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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 card or prepaid card

I applied for a credit card with Wells Fargo to take advantage of a balance transfer with 0 APR for 18 months. 
I applied for a {$8000.00} credit line for a balance transfer. They only would give me {$4000.00} so I didnt want the card if I couldnt get the full amount. But Wells Fargo went ahead a gave the {$4000.00} and when I complained they stated they couldnt delete the credit app. But could cancel the credit card but it would show on my credit report. So in the meantime they sent me the card and went ahead and applied electronically {$3700.00} towards my XXXX XXXX credit card without my consent. This clearly is a scam by this company. I feel if they cant give you the amount your applying for they should give a chance to decline their offer and not automatically give it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo home mortgage incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by Wells Fargo is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted Wells Fargo and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " Wells Fargo does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that Wells Fargo correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.
Product: Vehicle loan or lease

This vehicle was repossessed by Global Lending Service in the State of Tennessee on or about, XXXX XXXX, 2019, and resold at an auction Under the laws of the State Tennessee UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I did not receive such notification, but I do know that repossessed vehicles are sold at auctions for what's owed, which exempts me from all contracts. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Money transfer, virtual currency, or money service

I did a password reset from my laptop to access my account on XX/XX/XXXX. It said it didn't recognize my laptop or phone I'm using as a registered device. I submitted a ticket on XX/XX/XXXX and an auto response said 4-5 days to review. I haven't had any response since even on XXXX  and XXXX. There is no customer support to talk to. Currently I have over XXXX in the account and I need to access account for taxes. This is very stressful. Please help, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX.  I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the consumer reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. I requested that Chexsystems relay who they spoke to, alleging they verified the accounts, and to send me the wet signature of every contract listed. They've refused to do this! I will pursue {$1000.00} per violation, per account, in addition to actual damages suffered. I've not been able to open an account due to Chexsystem refusing to correct my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXXXXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00}
Product: Debt collection

They spam call me non stop in spurts, making my phone unusable. I do not owe them anything and am not giving them more information to harass me with. Its been going on for years. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX -- -- these calls on XX/XX/XXXX made me miss important other calls XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX and Equifax are showing multiple late payments on my student loans in XXXX and XXXX of 2017. All three of my student loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Equifax : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

With continued ignored violations of FRCA and FDCPA, resurgent is now infringing on consumer rights with intentionally malice to create adverse reaction through one credit bureau ( ACCORDING TO FRCA ALL XXXX BUREAUS MUST BE NOTIFIED OF A DISPUTED DEBT ), This company previously closed the account ans stated NOT REPORTING TO CREDIT BUREAU due to ineligibility. 

Maliciously after receiving a complaint from XXXX  for unresolved matters, false documentation and no assistance, a new auto generated letter states resurgent has placed this disputed account with credit agencies. IT ONLY SHOWS ON ONE CREDIT AGENCY and this is also violation with inaccuracies. 

I have provided documentation of identity fraud and have all e credit bureaus original documentation XX/XX/year> indicating such and that a freeze was placed on my account for 12 months with no avail from this company or cooperation. 

I have contacted this company to speak to the " regulatory department '', only to be advised my account could not be located, this is not a department that exists and to call during eastern standard hours to verify the name and department I was requesting. 

NO ONE FROM RESURGENT is providing proper assistance while violating me as a consumer and creating adverse credit reporting, inaccuracies and ignoring an identity theft report was file in XXXX or XX/XX/year>. 

denial of the appraisal calculation to verify this debt has been provided and a PURCHASE AGREEMENT with the original application and signature or consumer agreement has been provided. 

Monthly statements do NOT prove ownership for this disputed debt that I continue to have.
Product: Checking or savings account

There are unauthorized payments coming from my account from a merchant and my bank did not credit my account.
Product: Debt collection

I contacted Capital One and requested that they provide me proof of the debt by providing me the original contract and they did not. During this time that they said I open the credit card the apartment complex mail boxes were broken into. I never had a credit card with Capital One and they have not provide valid information to prove that this is my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX
Product: Checking or savings account

Hundreds of people are facing this issue. 
Your assistance in helping me may help hundreds if not thousands of others.

Please read the customer comments below this article post : XXXX XXXX XXXXXXXX I and hundreds of others are being denied access to our money. 

Here is the crux of the matter : Citi XXXX locks a customer account. 

They then ask the customer to call in and ask to verify the customers phone number. 

CitiXXXX then tells the customer that they can not verify the phone number on file. This is a lie. They do this to many many people. The phone number is correct and with a large XXXX XXXX. CitiXXXX says the phone number is invalid and that the only way to verify and unlock the account is to wait up to 10 days to receive a physical piece of mail with a code. 

They are making hundreds of people wait to access their money until they receive a piece of mail. They lie that they can not verify the legitimate number on file neither via phone call or XXXX. 

This is unjust restriction of access to customer owned funds. This is an unjust and laborious and time consuming process to regain access to customer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and have 5 bankruptcy reporting in Experian and one in XXXX and XXXX I have never filed bk and I dont know what to do .... please investigate this and get to the bottom of this ASAP