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

Received letter from LOAN DEPOT which I never used .... that there was a data breach... 
someone has tried with XXXX auto loan companies to buy a car... 
I had them removed from my credit file in XXXX I have a freeze on my consumer credit reports... 

LoanDepot obviously sent me this letter because they have my information ....
Product: Debt collection

Pulled my credit report this morning  XXXX / XXXX / 17  and saw a collection reported by this company  XXXX / XXXX / 2017 . I dont know who they and why they are reporting this to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

1.XXXX XXXXXXXX Account # XXXX, has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights 3. XXXX XXXX Account # ( has not listed ) has violated my rights 4. XXXX XXXX Account # XXXX has violated my rights 5. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 6. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related 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 was dismayed to find unauthorized inquiries on my credit report today, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I tried refreshing the page, thinking it might be an error, but the unauthorized inquiries persisted. I strongly urge that the documents I've provided be carefully reviewed to prevent any future concerns.
Product: Credit reporting

My father had credit monitoring with Equifax and the monthly charge came out of our joint bank account. He passed away in XXXX. In XXXX, I called Equifax , told them he had died, and asked them to cancel his account. They told me they could n't talk to me and that he would have to cancel the service. I explained that, being dead, he really was n't going to be able to do that and they refused to cancel the service. I contacted my bank to try to stop the charges, but as of yesterday, they have charged the account again.
Product: Credit card

In XX/XX/year> I became aware of a fraudulent credit card opened in my name by my own mother when I came in to visit her for the weekend. I found mail with my name from Capital One. She opened a fraudulent credit card in my name and got access to my online account, she has made payments on the account but recently stopped and this is how I found out. I have included a Identity Theft Report.
Product: Checking or savings account

We received a letter purportedly from Bank of the West dated XX/XX/XXXX stating that they needed to update our information or they would close our account on XX/XX/XXXX. We believed the letter to be fraudulent because it was clearly a copy and had no signature line -- it did not look like other letters we had received from the bank in the past. Also, it said the bank had made " multiple attempts to contact '' us and we knew that was not true. On XX/XX/XXXX my husband went to our local branch ( XXXX XXXX ) with the letter and asked to speak to a manager. He spoke to one XXXX XXXX who made a phone call and then said the letter was legitimate. He confirmed my husband 's information and said he would need to speak to me personally to confirm mine, but that it could be done on the phone. The same day Mr. XXXX and I spoke by phone ; we updated my contact information, which was indeed out of date ( but my husband 's was NOT out of date ), and I gave him my CA driver 's license number and expiration date. He told us we were all set. On XX/XX/XXXX my husband went to the branch to deposit his paycheck, and was told he did not have an account there. He asked to speak the manager, who said he didn't know what had happened, but that our accounts had been closed. Our checking account there is used for all of our automatic payments, my automatic paycheck deposit, and has one check outstanding ( # XXXX written on XX/XX/XXXX ). That same day I phoned the number on the letter we had thought was fraudulent, asking to speak with XXXX XXXX ( XXXX ). He said our account closure had been initiated by the bank branch. He said a check for our funds was sent out. We asked how it was sent out, and he said because of the amount ( around {$250000.00}, our live savings ), it would " probably '' be sent by XXXX not by regular mail. Except we are not at our address, we are at my mother 's house, staying for an extended period. We asked what the tracking number was, they didn't know. We asked if a signature was required, they didn't know. We asked if ANYBODY could just sign for it or if ID would be required, they didn't know. They said they would get back to us on it and did not.
Product: Debt collection

I have never received any bill for the XXXX XXXX on my credit report. I have disputed it several times have only received a response stating this account is verified as yours how if I never received a bill prior to collections because my insurance paid the bills to the original providers at the contracted rate they have in place. You dont send someone to collections because you want the difference that what my insurance & the provider agree upon. I never received any bills from XXXX XXXX or XXXX XXXX . 

XXXX XXXX : XXXX XXXX XXXX ( {$110.00} )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts are not mine and needed to be deleted as soon as possible. i also need to be made whole or in part.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Please see previous complaint, WF didn't resolve anything, the rep was just simply a rush to close the case in order to satisfy the CFPB in my opinion. The issue has not been resolved, and is potentially a discrimination case now due to National Origin in my opinion. I spoke to global remittance supervisor, and she agrees that I am not the only person this has happened to, but every time they tell the tech team about this, they come back and blame the customer for some reason. Even initially, the global remittance team told me that I needed to upgrade my browser ( without asking what browser or version I am using ), then after I told him I deal with computer programming and my browser is up to date and is the latest version, then the person said I now have too new of a browser ( lol, so I said make up your mind, which is it ) The company has a lazy policy and not in any way a prudent nor due diligence response. 
WF closed out my response when I informed them not to, because they called me today and transferred me to another department knowing the issue was not resolved. I clearly informed them not to close out the response after the rep said they would close out my case. 
However, since WF is too lazy to really respond properly, I will tell you what global remittance informed me ( the department she transferred me to ). 
The supervisor in global remittance agreed with me that it is a tech issue, however she claims after multiple times they informed the tech team due to a backend upgrade, that they claim there are no bugs nor need to patch anything. This is the tech team mind you. However, the supervisor clearly informed me that I am not the only person that has complained about this issue for global remittance. Since WF failed to take this action more serious, I will tell you that after confirming with the supervisor in global remittance, that apparently a lot of accounts are having issues transferring money. Thus, this is now in my opinion a discrimination case due to services for some but not for all for money transmitter and since it deals with national origin, this is a discrimination case in my opinion as most people that send money outside of the USA are different national origin and potentially of different race. Therefore, WF is discriminating against me since we are just simply trying to transfer money to XXXX XXXX. This issue should be looked into more serious for more concerns of discrimination in my opinion. 

Apparently in my screen, there should be a scrolling button for the page with I accept or I decline, but I do not have that feature. This in my opinion is also a breach of contract, as it is WF responsibility to provide me the service I used for 8 years or so and then all of a sudden they took it back, which forces people now to either wait for a phone rep to come on the line and do the transaction, or go to a branch instead of being able to access it online.
Product: Credit card or prepaid card

For days I have been trying to pay my Comenity Bank Zales credit card bill. Their websiye states that they are updating but it hasnt worked in almost a week. I tried calling to make my payment and they state that they are closed and I am unable to make a payment over the phone. I am concerned that I will receive an Over 30 on my credit report.
Product: Payday loan, title loan, or personal loan

XXXX XXXX and chexsystem is stopping me from getting line of credit and a checking account that my social security number and day of birth been exposed and I like my name to be removed I am a victim
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 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have contacted Transunion at least 3 times over the last few months advising them I am unable to access my credit report and disputes via the transunion portal at transunion.com. I have 6 devices I have attempted to access the credit report and the disputes and I receive the same error message everytime. For access to my credit report it says : unable to access but for my disputes it states that there is no history which is a massive error, I have had plenty of disputes both online and via email with Transunion, I attempted to access my credit report on freeannualreport.com on XX/XX/2024, I was able to access XXXX and XXXX credit report but when it came to Transunion I received another error message.
Product: Credit reporting or other personal consumer reports

I sent this letter to the collection company, the original creditor and the credit reporting bureau XX/XX/XXXX I am writing to inform you that your company is reporting inaccurate credit information to my credit report and such is prohibited by Florida law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the latter is a medical provider and on the provided dates of service XX/XX/XXXX ( billed at {$880.00} ) and XX/XX/XXXX ( billed at {$1200.00} ) I was a XXXX recipient covered under the XXXX XXXX plan now transferred to XXXX XXXX XXXX If XXXX does not cover a service, a healthcare provider can send the charge to collections only as long as the patient was informed beforehand that the service was not covered by XXXX and they are financially responsible for the cost. 

The aforementioned process was not adhered to, so accordingly your company is violating State Law. The No Surprises Act protects consumers from surprise medical bills, which are unexpected balance bills for out-of-network costs. Providers must inform patients before rendering services that are not covered by XXXX, that the patient is responsible for paying for them. Providers should use clear, concise language to communicate financial responsibility. This includes providing clear cost estimates and explanations. Providers must also document in the patient 's file that they were informed.

The FCRA ensures that bureaus report only 100 % accurate information. Therefore, again I would like the following information investigated and the account ( s ) deleted so that the misleading information is removed. 

I expect you to comply with my request without further delays. 

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

I have multiple hard inquiries that I don't recognize from these consumers XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Unaware of this collection. Please verify this debt is mine, if not please remove and delete.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

We made two ACH transfers to a payee with KeyCorp/KeyBank accounts -- {$1900.00} authorized on XX/XX/2021 and {$1000.00} authorized on XX/XX/2021. Unfortunately, we subsequently learned the payee had provided an incorrect account number and never received the transfers. We, our bank, the ACH provider, and the payee were all assured that the funds would be returned to our account in three business days since the account number and name did not match. However, this was never done and KeyBank subsequently refused to return our funds to us. This, in our view, is fraudulent retention of our funds. 

I submitted a Certified Letter ( copy attached ) to XXXX XXXX, XXXX, Chairman, and President of KeyCorp/KeyBank outlining the problem and demanding that our funds be returned to us. Three weeks later I have yet to receive even the courtesy of a response to my letter. 

It has now been eight weeks and we have yet to receive a refund of our funds. This is nothing short of unacceptable and intolerant and a fraudulent retention of our funds.
Product: Debt collection

I would like the write off information as the XXXX from the company, however they have written it off and still reporting to my account, they keep reporting it, and that's fraud.. If the information isn't sent .. I will be suing this Company .. I'm asking to please take this off my credit report or please send the XXXX form thanks
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I changed companies and the new company was supposedly to pay the final bill from old company when I got first letter from XXXX I called new company and they told me they would take care of it so when I got bill from collections I called again and was told payment was sent next thing I knew I was reported to credit report agencies I would like to pay for this debt and please have it removed from credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was sprint. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
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 XXXX  Account # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 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 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 am filing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some items have been removed, and I appreciate your action on those. However, some fraudulent items still remain on my report. I request that the three Credit Bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>.
Product: Checking or savings account

On XX/XX/year> I had a phone call from my bank Chase telling me that some one was scamming me of my savings account. I was advised to transfer my funds to my checking account to stop the fraud. After that call I was rattled about it and I decided to drive over to chase bank. Upon arrival at chase i was told that someone transferred {$9200.00} of my money to XXXX XXXX bank through wire transfer. I told the bank representative that I did not authorize that money transfer. I was told that they will fix it it has been three months and still my money is missing. I just received a letter from chase bank stating that they can not refund my money.
Product: Bank account or service

I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?