23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My direct deposit from social security was going into a savings account and not a checking account and Wells Fargo bank fails to acknowledge that my direct deposit was going into a savings account and I was told by Wells Fargo bank that my direct deposit was going into a checking account and which both of my social security benefits was going into a savings account and Wells Fargo bank knows this. I would also like to say that I am a XXXX untied states citizen and I have been taken advantage of as well as the other consumers that has trusted Wells Fargo bank to help us to become financially stable in which Wells Fargo bank has lost trust with the consumers and customers that has trusted Wells Fargo bank to help us to become financially stable. And Wells Fargo bank has forced the past employees to open up fake accounts with out the consumers and customers authorization and permission and consent. And everyone should have a right to financial privacy in which at this point we don't have financial privacy and I would like to say that if customers and consumers had a right to financial privacy I strongly believe that all of these privacy laws should be enforced in which these laws are not being enforced. And everyone information is being sold and shared with other institutions with out the consumers and customers with out the authorization. And I believe that XXXX XXXX accounts was opened up with out the consumers and customers permission. And Wells Fargo bank has fired the past employees of Wells Fargo bank wanted those bankers of Wells Fargo bank to participate in all of these illegal activities in which those bankers told the truth about what is going on with with Wells Fargo bank and all of the illegal activities that Wells Fargo bank wanted those past employees of Wells Fargo bank to participate in all of these illegal activities by forging the consumers and customers name on these documents and closing accounts that should have not been closed. And I strongly believe that Wells Fargo bank should be responsible for taken advantage of those consumers and customers that trusted Wells Fargo bank to help us become financially stable. And I feel that if Wells Fargo is a professional institution all of these illegal activities that are going on these financial institution and taking advantage of those XXXX and XXXX  communities and people of XXXX as a whole I strongly believe that Wells Fargo bank should be held accountable for all of these illegal activities that are going on with Wells Fargo bank.and all of these laws suits that has been filed and against Wells Fargo bank needs to be investigated as to the when what and why is this illegal activities that Wells Fargo bank has done to all of us that trusted Wells Fargo bank to help us become financially stable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {XXXX} every two weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.
Product: Student loan

Hi, I'm reaching out to you to resolve an issue with my student loans. I can't recall the exact day, but in XXXX I called in reference to my student loans being applied to each servicer incorrectly. I explained how the payments should be posted, but the young lady did not seem to be sure about how to post them correctly. Nevertheless, she said that she would submit a ticket to have it fixed, and I believe that she said that it should be resolved by the XXXX. Nevertheless, I called back that same day and spoke to another representative, who informed me that the other young lady put in this request wrong. Since that time frame, it appears that my payments are still not posted and showing correctly. I believe that the principal and interest is incorrect. Also, Can you please have someone look into this? I do not want this to impact my payment or credit history. 

Thanks
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. 

I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. 

I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. 

Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.
Product: Money transfer, virtual currency, or money service

Purchased XXXX XXXX XXXX wireless through CapitalOneShopping portal on XXXX, which promised to provide cashback of {$120.00} per line. I have purchased 4 line on aforementioned date. Same has been recorded in CapitalOneShopping portal with Trip id as XXXX and Order number as XXXX, but instead of wireless purchase it tracked as XXXX XXXX purchase with {$40.00} as cashback. I tried to reach to CapitalOneShopping on following dates XXXX, XXXX, XXXX and each of the time CapitalOneShopping asked me to wait until 90 days to adjust the transaction. Then XXXX XXXX posted with {$40.00} as cashback, i contacted CapitalOneShopping and they shut the door saying transaction is not tracked properly we provide {$120.00} as courtesy instead of original {$480.00}. 

Would like CFPB to get this remaining amount ( XXXX ) for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A. section 2 states that a consumer can not furnish an account without my written instructions ( which I have not provided ).
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX 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 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: Money transfer, virtual currency, or money service

Since XX/XX/2020 .I send money on western union but the reciever did not recieve the money and since then i want my refund .but until now just keep promisimg under process my compain at western union.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Dater of Birth : XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ) that you the equifax reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account open at XXXX XXXX  card serv on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XXXX XXXX, and a collection account added from eastern account systems opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and collections and charge offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and Hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Debt collection

I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. 
The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. 
They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. 
We can not have any disputes on her credit file per the mortgage lenders as well. 

Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries and a collection/charge-off entry that have been reported on my credit file. These entries are not only inaccurate, but they are also causing significant harm to my credit profile and financial health. The unauthorized inquiries were made without my consent or knowledge, and the collection/charge-off entry is not reflective of my actual credit history or payment behavior. 

As a result, these errors are negatively impacting my credit score, which in turn is affecting my ability to secure credit, loans, and other financial opportunities. The presence of such inaccurate information is not only a violation of my rights as a consumer but also a direct threat to my financial stability. I kindly request that these entries be thoroughly investigated and removed from my credit report as soon as possible to restore the accuracy of my financial records.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a certain account that has been reported across the 3 bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to eliminate any inaccurate accounts from my credit report. Could you verify the documents? Some accounts listed have reporting errors, and incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on XXXX ], 0 months on XXXX, and Unknown on Equifax which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised cc where open without my consent
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  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.
Product: Debt collection

NCC contacted me multiple times over the phone concerning debt originally owed to XXXX XXXX XXXX  for {$670.00} for personal property tax. After the first contact on XX/XX/XXXX a validation letter with an itemization and proof of debt was requested the same day. I was contacted again a week later where I indicated I was still waiting on the validation letter. Each time I was contacted I was requested to verify my address with them and I did so. On XX/XX/XXXX I was contacted again, and this time I was notified that the letter was returned as undeliverable. Even though I told them my address at least 3 times, they sent it to the wrong address. On the XX/XX/XXXX call my address was updated and another letter allegedly sent. I was contacted again on XX/XX/XXXX and was informed the letter was mailed 2 weeks ago, however I still have not received it. On the XX/XX/XXXX call I received a reference number to access an account where I can view the debt online. However, the debt is not itemized. I can not see any interest, fees, previous payments made, or the time period the debt is applied to. Particularly what months the alleged debt is over, as we moved during the timeframe given. Additionally no information is provided on the website concerning the property being taxed, therefore I can not verify the debt is actually mine. I was able to verify on the online account that my current address is correct. However, I still have not received a debt validation letter despite asking multiple times. They continue to call me to ask for payment even though I have not yet received validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, XXXX is reporting to my credit report XXXX XXXXXXXX XXXX XXXX that was original opened on XX/XX/XXXX, this account is 8yrs & 6months old and according to the FCRA section s605 " accounts placed for collection or charged off to profit and loss which antedate the report more than seven years. I have reached out to XXXX XXXX XXXX XXXX as well as the credit reporting agency alone with complaints CFPB with no resolve. XXXX XXXX XXXX XXXX has continually to re-age this account. This account should be removed from my credit reports. I will wait the 30 days but if this problem is not corrected then I will have no other choice but to file a civil suit against all party 's involved.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts and numerous communications, these unauthorized entries remain on my credit report, causing significant distress and potential harm to my financial standing. 

Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 
Received acknowledgment of my dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit file, causing additional stress and potential financial repercussions. 

The prolonged delay in addressing this issue is highly concerning, and I find it unacceptable given the urgency and the potential impact on my creditworthiness. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent entries on my credit file. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent entries from my credit file and a confirmation of their removal. 

Assurance that my credit report will be accurately updated, reflecting the removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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