23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer. 

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 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 I wish you to permanently remove these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all 3 of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX  - Account number : XXXX Lastly, XXXX XXXX XXXX XXXX XXXX Account number : XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Product: Checking or savings account

I am writing to express my deep frustration and disappointment regarding Wells Fargo 's ongoing refusal to release my funds following the closure of my savings account. Wells Fargo is the most disgusting bank in the world for the way it has handled this situation and withheld my funds. 

At the end of XXXX, I called Wells Fargo to close my savings account, which had a remaining balance of {$20000.00}. Wells Fargo informed me that I should expect to receive a cashiers check for this amount within XXXX business days after the official account closing date of XX/XX/year> ( see Attachment XXXX ). However, as of today, I have yet to receive the check. 

Since then, I have taken the following steps in an attempt to resolve this issue : XXXX. XXXX Wells Fargo multiple times : I have made numerous phone calls to customer service, each time being told to wait longer for the check to arrive. Despite these assurances, the check has not been delivered. 

XXXX. Visited a local branch : I visited a Wells Fargo branch as instructed, hoping to resolve the issue in person, but no progress was made. 

XXXX. Filed complaints with regulatory agencies : I filed multiple complaints with Wells Fargos XXXX office. Unfortunately, Wells Fargos response was to close these complaints without providing a solution. During a phone conversation, the agent handling my case, XXXX XXXX, stated that Wells Fargo held no obligation or responsibility to ensure that customers receive their checks once mailed. She further remarked that mail can be lost, comparing this situation to her experience of holiday cards going missing in childhood. 

On XX/XX/year>, XXXX XXXX from Wells Fargos XXXX XXXX officially closed my complaint, stating, For reimbursement, you will need to either complete a Declaration of Lost/Stolen/Destroyed Official Check and Indemnification Agreement and wait XXXX  days, or you can purchase a XXXX bond for immediate check reimbursement. ( see Attachment XXXX ). 

On XX/XX/year>, the date Wells Fargo specified for reissuing the check, I visited a local branch at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The local branch again denied releasing my fund. I attempted to reach the Wells Fargo XXXX XXXX multiple times by phone, but no one was available to assist. 

Since my initial request in XXXX, Wells Fargo has withheld my funds indefinitely without providing a resolution. I need Wells Fargo to give my money back right now. There is no regulation to this outrageous disgusting practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a XXXX form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 Showing as an open account in violation of fair credit reporting act
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had many late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX, I visited the Santander Bank Branch at XXXX XXXX, XXXX XXXX, NY XXXX and used the ATM machine to make a {$440.00} deposit. I put the money into the ATM but no money was credit to my account. The ATM showed that there's an error and please try later. I immediately contacted the bank clerk at the branch and called their customer service, and they provisionally gave me a {$440.00} provisional credit. 
However on XX/XX/XXXX, Santander sent me another letter saying that they've completed the investigation and no errors was found, and they are gon na take the money away from my account again in a few days. I don't know what to do, because it is a large sum of money for me, and I have to seek help from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request validation of the debt that has been reported to my credit report by XXXX XXXX. I have not received any communication from XXXX XXXX that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. 

I request that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The amount of the debt, including any interest and fees. 
A statement that validates the debt, or proof of my agreement to the debt. 
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. 

Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. 

Thank you for your prompt attention to this matter. 

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

We voluntarily gave back a car we were financing back in   XXXX  . Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and  zero  balance.  (  letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since   XX/XX/XXXX   we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. Fo r 2 1/2  years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2  years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a zero balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't remember paying late on this account. Why do I see 30 days late remarks. 
SANTANDER - XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I've been in dispute with Equifax about incorrect reporting of information on my credit report. Opened a complaint. They recently sent me an updated " Results of Reinvestigation '' into a prior complaint against the company. However, they have " Closed '' the wrong account. They closed XXXX XXXX, account # XXXX, an account that I have had open since 1988. That is also a XXXX XXXX account. However, the account in question is my XXXX XXXX account, # XXXX, a CREDIT CARD. There should have been no action on my store card with XXXX XXXX. It's been fine for over 30 years! These people are the most incompetent bunch of folks I have ever encountered! Seriously! I hope they can get it right once and for all! I think this all points goes back to XXXX XXXX, and the original complaint I lodged against them because they instructed the 3 credit reporting companies to " DELETE '' all information about my credit card account with them because they were upset that I transferred my balances from their exorbitant card to one that was much more reasonable, with an extremely lower APR. That's what all of this mess is about!
Product: Credit card or prepaid card

On XX/XX/2023 - XXXX noticed a charge on my Captial One Quicksilver Credit Card from XXXX in the amount of {$390.00}. I told the representative that I did not authorize the charge. 
On XX/XX/2023 - Capital One made a pay adjustment to my account for {$390.00} and advised me that they would invest the transaction. I provided information regarding my interactions with XXXX On XX/XX/2023 - Capital One reinstated the charge of {$390.00} on my account. I contacted them immediately and I was told that they would further investigate the matter and asked that I provide all documentation I had with XXXX, which I did. 
On XX/XX/2023 - Capital One made a pay adjustment removing the {$390.00} from my account. 
On XX/XX/2023 - Captial One reinstated the charge of {$390.00} on my account. I contacted them again and let them know that I did not authorize that transaction. 
On XXXX/XXXX/XXXX  - Capital One initially removed the charge and then reinstated the charge. I called Capital One and advised the Representative I did not authorize the charge. They said they would look into the matter. On XX/XX/2023, I received a letter from Capital One stating they are unable to assist with my dispute claim and for me to contact the merchant and work directly with them. I advised the representative that the XXXX has no telephone number and communicated only by email. I also advised the Rep that my attempts to contact XXXX by email were met with no response. I asked to elevate my complaint to a supervisor. The supervisor said that information was still needed and I advised him that I sent all the communications I have had with XXXX, he simply dismissed my complaint and said they could do nothing more. I asked what information XXXX has provided to substantiate the charge because I have no invoice and none of the communications, I had from XXXX contained any acknowledgement of a charge presented to or accepted by me. When I asked what information, they had from XXXX supporting the charge, he did not respond. I advised the supervisor that I would be contacting CFPB, he seemed unconcerned. The Capital One case number : XXXX
Product: Bank account or service

Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous Estate administrator to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate Administrator for my sister who passed away XX/XX/XXXX. Upon my sisters death the Vermont probate court appointed my Mother as the administrator of my sisters Estate and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the Estate administrator. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as administrator on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed administrator and XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets. 

Estate of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 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 and Equifax have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Debt collection

I checked my credit to see an account for SECURITYCRED with the ORIGINAL CREDITOR : XXXX XXXX XXXX for {$830.00}. This is debt is not mine. A family member used my name to purchase merchandise.
Product: Student loan

I have had this loan since 2003. First it was through Sallie Mae then some how without my doing was transferred to Navient. I have had this loan in deferment several time due to being in school but have been in repayment for some time now. The amount set to be repaid continually increases from what they say is daily revolving interest. I have lowered my payments to be more affordable for me but the interest continues to accrue at an astronomical rate. I feel as though I am a car stuck in mud getting no where but just sitting in the same spot spinning my tires getting deeper. Every time I try to talk with the company about my complaints they just continue to set up a 6 month program to lower my payments with my balance continuing to increase. Upon looking at my statement all my payments have gone to interest rather than principle. This originally was a {$5000.00} loan that 16 years later has tripled. At this rate I will have my federal loans payed off before this private loan.