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

Around XX/XX/2022, my bank account was used in both my checking 's and saving account. For my savings account someone did a wire transfer of XXXX dollars into my checking 's account, but was not authorize by me which made me disappointed that someone gave permission to authorize that money later one the person got a hold into my card and used it for XXXX 's pay while I didn't even notice until the next day that I went to check my bank account. I reported these transactions several times now and they are still denying my claims even though I have not authorize anything nor gave my information to anyone. While I went to go report these claims the workers did not help me at all they denied my claims and moved me around everywhere worst customer service ever some employees were nice and to help me more about the situation. like in one instance I talk to the banker about my situation and i told her about the document they sent me about they could not fine the person who used my card in the atm. The executive lied to me and said they cant check because it was a digital app so they cant even bother checking the cameras and I talked to the XXXX company and they said that the bank gave permission to the person and now I cant get my funds back to the person who used my card and spend on things that I never purchased. It has been 4 months and I am not proud of how wells Fargo has helped me I just want my funds from the person who stole from my account because I told them so many times that it was not me that someone got a hold to my account and they can't do anything and even if they did they did it in the worst possible way. I got all the documents and letters they sent to me but I am not happy at all.
Product: Debt collection

Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX Bank for XXXX is XXXX. My account number for XXXX Bank XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXXs XXXX. It has been more than XXXX years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account : XXXX, XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : XXXX has violated my rights. 

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

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

This loan was cancelled via a provision in the Think Finance Class Action settlement agreement. Additionally, I received a check in the amount of {$16.00} to cover excess interest that had been charged. That said, the amount was so insignificant I forgot about it. The check was misplaced and I was unable to cash it before it went stale. However, I've since located the check and it is included here as proof of my membership in the " class '' and proof of loan forgiveness. I've shared this information with the creditor, XXXX XXXX, and the credit bureau, Transunion, in numerous attempts to have the information deleted - all to no avail. The willful error has cost me time and money and has been a hindrance to mortgage acquisition during the pandemic. I've lost numerous opportunities to realize the American dream of home ownership due to the willfully erroneous reporting. Enclosed please find 1 ) the settlement check from the Settlement Administrator, 2 ) the loan forgiveness provision contained in the court approved Settlement Agreement, 3 ) communication between myself and a XXXX XXXX representative.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I emailed my authorization to take my loan payment from my XXXX account. LendingClub sent an email that it would be taking from XXXX and account I had previously asked them to not use. I will include all emails. I called the LendingClub and more or less what told its my problem. This company has extremely unethical business practices. I see that the FTC is quite aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX # XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I was a victim of identity theft when my information was leaked due to the Equifax data breach. There were multiple unauthorized fraud credit accounts and loans opened without my knowledge. I have followed all steps by giving a police report and filing complaints with FTC.
Product: Debt collection

This is the third complaint regarding Rash , Curtis and Associates abusive behavior regarding a collection account that was not mine. After my last complaint I was sent a letter dated XX/XX/2020 that I would no longer be sued for the debt nor would it be reported on my credit bureau. I provided that to XXXX and it was removed. This was based on the documentation provided at the time. Despite the fact that I have provided police reports to the credit bureaus and never was contacted for clarity by Rash Curtis. Two weeks ago I got an alert that the account was back to being reported on my credit after the company sent me a letter stating that it would not be reported. The tactics have become abusive and unethical.
Product: Credit card or prepaid card

On XX/XX/2023 I received a letter from XXXX XXXX  stating that they were investigating a transaction error that I had supposedly reported. I phoned them on XX/XX/2023 to let them know I had never heard of XXXX XXXX  and never opened a card with them. I asked for any personal information that was associated with the account and was told that I would first need to file a police report, obtain an affidavit from the FTC and provide copies of those reports along with a copy of my photo ID and a letter requesting the information from the account. They did let me know that whoever opened the card had my full social security number. I did provide them with all of those documents and emailed it to the address I was given. I received a response back on XX/XX/2023 stating that I would need to call as it couldn't be settled through email. I called on XX/XX/XXXX and they did close the account, but would not give me any personal information as to who set up the account and again told me I would have to submit the documents I just mentioned. I told them I had done that already. They tried to tell me it was because I didn't include the account number in the subject line so I resubmitted all documents with the account number in the subject line on XX/XX/XXXX. I received a response back stating that they reviewed the history of the account and found that the account had been closed and to contact customer service for additional information. I called the company again on XX/XX/XXXX and eventually asked to speak to a supervisor. She told me the same thing that I needed to submit documents that had already been submitted. The XXXXPD detective has also phoned them requesting information on who set up the account and he has been given the run around as well and had not been able to obtain any information. They have told him twice that they needed my permission to release information so I called to give my permission as was told about submitting the documents again. The detective called them with me on the line on XX/XX/2023 and they gave us a phone number that was supposed to be their fraud department and when the detective called the number it was the FTC. The detective asked me to file a complaint with The Consumer Financial Protectioni Bureau hence the reason for this letter.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX ( I am responding as my own representative... This is not a letter from an attorney ( yet ) nor is it a letter from a Credit Repair Agency ) ... I am acting alone on my own accord and legal rights according to the XXXX. 

To : XXXX, XXXX & Experian Experian Report # XXXX XXXX XXXX # XXXX XXXX File # XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number attached, and included with this letter. 

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, ( XXXX, XXXX & Experian as a credit reporting agency and/or bureau, take immediate action to block and remove all information related to this identity theft from my credit report. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : Collection Names : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, such as a refusal to cooperate by blocking and removing the above accounts within 4 days, I will be forced to pursue legal action against your agency, as allowed by law. 

Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent accounts from my credit report. 

I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

You may respond via my email @ ( XXXX ) or by mail @ XXXX XXXX XXXX, XXXX XXXX, AR XXXX Best wishes, XXXX XXXX
Product: Mortgage

Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me
Product: Credit reporting or other personal consumer reports

This complaint is directed towards the Credit Reporting Company, Experian, and is in relation to my previous complaint against XXXX regarding the same student loan account. My previous complaint ID was XXXX. 

The student loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. 

However, this information was still not updated with Experian, XXXX, and XXXX, so I had to utilize the dispute process to request corrections on this account with all three bureaus. To date, XXXX and XXXX have reported this data. 

Experian, on the other hand, has not. I just submitted the dispute again ( for the XXXX time ) today after speaking with their Customer Service representatives. They most recently updated the account to show incorrectly that I, XXXX XXXX, am the deceased person. This resulted in Experian showing me as " unscoreable '' since I am apparently dead. 

Upon speaking with them, they initiated another dispute ( the XXXX one ), that was resolved today without any change to how this account is reporting. They are reporting that I am deceased and they don't include any balance information. Their guidance today was to submit yet another dispute. 

In the meantime, Experian is indicating that I am deceased, which is resulting in issues with other creditors I do business with. XXXX, for example, froze shipment of a new credit card to me and will not provide me any credit information online. 

The failure on Experian 's part to thoroughly review this matter to resolve the dispute is having a material impact on my consumer credit. Hence, my formal complaint regarding this matter.
Product: Credit card

I was in a bar in a foreign country and they ran a scam where they added extra items and extra XXXX to the bill. Each bill was inflated by 10x Amex ignored my complaint and has illegally charged me for unauthorized charges. 

A secondary issue is that Amex is charging me {$5.00} per month interest on a cash withdrawal I repaid almost immediately. {$5.00} per month amounts to >30 % per annum on the amount withdrawn. This can't be legal. In addition to the {$5.00} " interest '', they charged {$10.00} in " fees '' for a small {$200.00} withdrawal. This makes the first months interest and fees >7.5 %. This must be illegal. The cash advance was paid off back in XXXX.
Product: Student loan

I was a former returned student at XXXX college in XX/XX/XXXX and I was misled and scammed by the college " in-house '' fees. I attended one or two classes for the winter semester of XX/XX/XXXX but I had to stop working and go back on XXXX. I informed the school on several occasions that I have been on and off of XXXX since XX/XX/XXXX. The college not only misled me with promises of charges upon completion if warranted would not show up on my credit report until graduation. When I first started in XX/XX/XXXX with XXXX they added over {$20000.00} in loans but recently sent my a fee for {$5000.00}. I have only completed a year of credits that are not even recognized by another school to transfer. This school is ripping people off and putting students in financial hardship while students are on XXXX while harassing me and threatening to take my assets. I have a bill they are charging me for that was not reported to the Federal government. They make a financial gain off of the students by putting them into large amounts of debt. The college is very expensive, not a recognized/reputable college and always being investigated. I was XXXX XXXX and going into financial hardship with the out-of pocket fees. My credit report with the bogus fees and loans has damaged me from finding an apartment. This is absurd that I am constantly harassed and I am being threatened by the school to take my non-existing assets.
Product: Credit reporting

COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. 
PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e b ) Accuracy of report Whenever 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. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021