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

I have a merchant account with Suntust bank they set up me a merchant account for my Realestate business. I proceeded with sending invoices to my clients that has not did a charge back, and the merchant account has not yet released my funds into my account! It has been almost 4 weeks. I have tried contacting SunTrust first data risk department numerous times and get nothing but vm! They need to release my funds! I have a business to run so please help me. My business name is XXXX XXXX XXXX number XXXX email XXXX I await your response
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Checking or savings account

On XX/XX/XXXX I received e-mails confirming my new Chime account ( XXXX XXXX ) and prompting me to load their app. I never opened a Chime account and promptly contacted them to alert them of a fraudulent account opened with my SS #, e-mail, DOB and Phone number. They closed the account for me but suggested that I put a freeze on my credit and contact all of the credit bureaus, which I did. 

My issue is that this seems to be a simple thing to do through this financial tech company since they do not ask for any physical proof that you are who you say you are. I am not sure what the scam is since they used my actual e-mail but from what others have mentioned online is fraudsters will fund your Chime account with a payday loan and spend it but then you are somehow on the hook for the cash. Chime needs a more robust security screening process as they are an easy target for criminals. 

My issue has been resolved or at least I believe it has. I did receive a Chime debit card in the mail several days after getting the notification of the account being opened. The card has been destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX   did, and this in addition to several other inquiries started after the Equifax data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I DO NOT UNDERSTAND HOW YOU CAN NOT GET THIS MATTER CORRECTED. THOSE ACCOUNTS DO NOT BELONG TO ME AND SINCE YOU HAVE STATED YOU CONFIRMED WITH THE DATA FURNISHER I NEED TO SEE THIS PROOF IN FORM OF A SIGNED DOCUMENT WITH MY SIGNATURE ON IT IN FACT I DEMAND TO SEE IT. IT NEEDS TO BE UPLOADED HERE TO MY PORTAL. IF YOU CAN NOT PROVIDE ME WITH THIS IN 30DAYS FOR EACH ACCOUNT THEN YOU MUST DELETE THOSE ACCOUNTS FROM MY REPORT! I CAN NO LONGER WASTE MY TIME WITH THIS MATTER-THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KEEP IN MIND THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ) , PLUS UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF!
Product: Debt collection

I sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply. 

I have never received any documented information in reference to this debt. 

Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.
Product: Credit card or prepaid card

XXXX XXXX  Advertised a 5 % cash back on everything offer until XXXX. After I made purchases, they cancelled the account, and stole all of the rewards I had earned and refuse to pay the 5 % they advertised.
Product: Student loan

Nelnet refuses to consolidate my loans and completed an incomplete loan application despite repeated phone calls asking them not to continue with the application if they could not consolidate all of my loans.

Nelnet excluded a valid FFEL federal loan assuming it was private because they couldn't find it on the national student loan database. After informing them that the loan is in fact eligible for consolidation they told me to send an additional application for the loan. The customer service agent assured me that they would process the new application along with the original application however, they did not and have completed that the loan consolidation process without including the FFEL loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, has a violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states that I have a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I XXXX XXXX sent out a letter to equifax stating an account on my report need to be verified. Still no communication from them
Product: Debt collection

On XX/XX/2020 I received a call on my work phone after the representative identified themselves I informed them this was my work number and I am not allowed personal calls on this line. I have received several more calls since that date on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 I would like these calls to stop as my advising them personal calls are not allowed per my employer 's policies and procedures.
Product: Debt collection

I just realized that Medicredit sent a misrepresentation to validate a debt not due. They attached another patients consent form to an old bill. They used someone elses consent information to try to validate a debt. I contacted Medicredit and they confirmed that XXXX  sent them duplicates of this debt. I confirmed with XXXX XXXX and made the final {$25.00} payment and they confirmed I have a XXXX  balance. 
I have attached the debt that Medicredit sent for validity which is incorrect because its not my consent. If this is the consent, then this debt belongs to someone else because i am not the person listed on the consent that Medicredit provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was 1 hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig one of they're mailings addressed to me out of the trash and apply in my name?

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me.

Thank you
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies known as Experian, XXXX, and XXXX continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every XXXX days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been discharged as agreed upon.
Product: Vehicle loan or lease

Hello, My Capital One auto loan was priced at XXXX at a 14.06 % interest rate. I paid XXXX x 63 months from XX/XX/XXXX through XX/XX/XXXX. It was paid off 9 months early at XXXX. However, so far I have paid XXXX. With 9 months left at XXXX the balance due is XXXX. I was also charged for extended warranty which I have documents indicating that I did not request. It appears as if they are going against the Truth in Lending Act and are writting with a crooked pen. Capital One will not answer questions such as ... What interest was I actually paying and if it was compunded daily how much was I being charged for the loan daily? Also, considering that the car was a total loss, Why am I having to pay interest on a portion of a loan repaid early? Attemtping to be recompsense from Capital One auto finance has become excruciating and tedious. Please help. 

Thanks in advance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCKED AND DELETED from TRANSUNION LLC for myself XXXX XXXX. The last XXXX of my social is XXXX. My date of birth is XX/XX/year> ; Please delete the following account THE XXXX XXXX XXXX balance {$300.00}. XXXX XXXX XXXX balance {$2500.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have not been able to pay of loans and Navient ha offered forebearance each time I can not make my payments Which are to high to pay back and I went to University XXXX XXXX and can even get job I really need help
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
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 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: Checking or savings account

I am writing to file a complaint on Navy Federal Credit Union regarding multiple overdraft feesI have incurred. Dispite having sufficent funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially avalible funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am requesting that the following account be removed from my credit report due to FCRA violations. XXXX XXXX XXXX The creditor could not verify this account, and Experian failed to provide validation of the account. I also submitted my FTC report and my XXXX data breach claim number, and this account was still not removed. Lastly, the account is outdated which is another reason why it should not be reporting. Please see the attached report and data breach claim id and remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

XXXX  XXXX
Product: Bank account or service

My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good
Product: Checking or savings account

Back around XX/XX/XXXX I'm reaching out for about the paycheck for XX/XX/XXXX the remaining balance for {$750.00}. I have done my pay part by reaching out to wellsfargo numerous times. When calling the customer service line they informed me that the check would BOUNCE back and it never did. Wellsfargo kept the money and my job never received the bounce check. So they were never able to pay me the amount I worked. This account was not mine and should not have been deposited into. The response they give me is that they can't redirect the payments because the company would have to or file a claim. I have not received my pay, which I did work for. I waited, I called. 
Wellsfargo was aware that this payment was not meant for this person but they deposited it and the person who received my paycheck ended up taking it out. This has never been resolved and I had never been able to get that money back from my job nor from wellsfargo
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. WEBBANK/FINGERHUT XXXX Balance : - XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXX Bank and have not had any success. 
They all need to be removed from all XXXX  credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c 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 XXXX  years 15 USC 1681 s-2a1 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

Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 i sent XXXX payments for {$40.00} each {$80.00} total. While never having used XXXX before through Wells Fargo, it is advertised as powered by Wells Fargo. I figured if it's built into the Wells Fargo app and advertised as a Wells Fargo product that they would have my back if there was any issues. I was scammed out of the {$80.00}. I reported it to Wells Fargo immediately and they are refusing to do anything about it as if it's a completely different company that they have no ownership interest or contracts with XXXX. It is fraud plain and simple but Wells Fargo refuses to accept it as fraud.