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

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 an unauthorized wired transfer of {$4500.00} was withdrawn from my Wells Fargo joint account. I didnt realize until I made a claim to the Wells Fargo fraud department on XX/XX/2022. I explained my situation and I they told me that my bank account was compromised. A couple weeks later my claim was denied.
Product: Debt collection

This company is illegally trying to collect a debt that I DO NOT owe. Also illegally violated my HIPPA rights. I have written the company before to resolve this issue. I plan to take legal action if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.
Product: Debt collection

on XX/XX/XXXX my husband and I short saled our house. We have not received the XXXX to do our taxes. I have emailed and my husband called on XX/XX/XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX We found out that our credit reports were all messed up because of Selene Financial. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that Selene contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our XXXX in XXXX. They had plenty of time to do this. Thank You
Product: Checking or savings account

Attempted to open a basic savings/checking account at the Navy Federal branch at XXXX, Hawaii and they refused to open the account claiming I am a security risk. 

I had to leave the premises. 

My spouse did have an account open in the past and they again refused to GIVE us our money through an ATM or release the funds to close. 

I had to fly to the XXXX XXXX Navy Federal CU to close the account and receive money. 

I wish to pen an account again for convenience without discrimination. I believe my accounts might still be open as they wanted to use old acc't numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2023, to the credit bureaus asking them to validate an account on my consumer report. And they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the consumer reports even after they did the thorough research. 

The status updates are inaccurate, the Balances are inaccurate ect. 

Account : XXXX  XXXX XXXX # XXXX In accordance with the Fair Credit reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my right.

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.
Product: Mortgage

XXXX has filed for bankruptcy and sold the mortgage to NewRez. 

NewRez has in turn sent a full page of fees that I never agreed to when I took the loan, including an extra {$3000.00} to pay off the loan in full. 

One of the reasons XXXX declared bankruptcy is that the government received so many complaints about them having made so many exploitative fees. While NewRez 's website for payments is in fact better, their fee structure looks much like XXXX 's before XXXX was hit with so many complaints and had to deal with the government. 

I seek relief from the government from these new and exploitative fees. I did not agree to them and NewRez should offer an alternative of allowing me out of the loan and home ownership if they want to modify the agreement.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer financial protection act ( Cfpa ) specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX )
Product: Money transfer, virtual currency, or money service

This is my second complain about this. 

On XX/XX/XXXX at XXXX my Wells Fargo account was hacked by unauthorized scammers who sent {$990.00} to XXXX XXXX using this email XXXX They enrolled me into XXXX through my Wells Fargo account and stole the money from my wife 's saving account. I called Wells Fargo immediately and reported the unauthorized transaction. They set up claim # XXXX and told me they will investigate what happened and asked what time of day I was available so that they could call me for questions. Wells Fargo never contacted me after this. I also had to ask Wells Fargo to change my user ID and password to prevent anymore theft from the hackers. The following are phone number the hackers used to contact me. XXXX, XXXX, XXXX, XXXX. The hackers sent me a text and told me they could give me my money back if I called them. I ignored their calls and texts. I also filed a police report XXXX with officer XXXX of the XXXX XXXX, IA police department. Today I received an email from Wells Fargo stating that the payment was processed as requested. I did not request nor authorize this or do it myself. There was no request from me. The only people that requested it our the criminals that stole the funds. Regulation E states they must return my funds for this unauthorized withdrawal. XXXX even states this on their website. Wells Fargo is incorrect stating that I authorized people to steal from me. 

Wells Fargo 's response to my first complain was that the transaction was an XXXX sale. 
What sale? What was purchased? Where is the information from XXXX? I have no information about any transaction sale with XXXX. I don't think it is even possible to pay with XXXX on XXXX. They only offer XXXX and credit cards. What does this have to do with them gaining access to my wells fargo account? A XXXX transfer to XXXX XXXX was done directly through my Wells Fargo bank account. There was no involvement by XXXX. XXXX was the email my money was sent to. That is not XXXX. No money is being sent to XXXX or handled by XXXX. My account was hacked and the money stolen. Nothing was authorized. Wells Fargo needs to provide more information about this supposed XXXX transaction.
Product: Credit reporting

I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.
Product: Debt collection

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., has violated my rights. Account name : 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 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Product: Vehicle loan or lease

I bought a car on XX/XX/year> in full with cash. The day before on XX/XX/XXXX we tried to buy the vehicle from a dealership with finance through WestLake Financial but could not due to what I understood was a system issue on the part of Westlake therefore cancelled the finance option on the XXXX and paid in cash. Some time after I received mail from Westlake stating my monthly payment was due even though the deal had been done with me and the dealership. I contacted Westlake financial about the problem but no issue was provided and they are now threatening me with a Notice of Right to Cure.
Product: Credit card or prepaid card

Its been several times already that I try to make a payment online for my XXXX Credit card and I put in my login credentials and then theyll make me verify with a code and then takes me to a page that says the website is not working or not available? Then it says to contact Bread??? That theyre the new company in charge of the credit card, when I never got any notice in regards to this. Anyway, each time Ive tried to make an online payment Ive gotten this message. Ive been able to make a payment maybe 3 times??? Online. All the other times I was not able to and led to me getting late fees! Why didnt I call to try to make a payment? Oh I did, waited forever and got hung up on? I do not have the time to call in to make a simple payment, all my other payments are made via online/app. So I think its completely absurd and unfair that theyve charged me probably over {$100.00} of late fees in less than ONE year.
Product: Credit reporting

I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my XXXX insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however XXXX Transunion believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me XXXX and hung up on me.
Product: Debt collection

I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$120.00} XXXX, XXXX, and Experian is falsely reporting this account on my credit profile, This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I've requested that Experian provide me with 1. The description of the procedures that were used to determine the accuracy of the account ( s ) being reported, 2. The data contracts bearing my signatures 3. I've requested for the deletion of these accounts. 

Experian continues to violate FCRA 's requirements in various ways and have in turn affected my ability to obtain housing opportunities and higher credit limits. 
Experian has continuously failed to provide me with a credit report that is 100 % valid, accurate, complete and timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more than 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account # XXXX 15 U.S.C. 1681 SECTION 602 A states 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 card

I have consistently maintained timely payments for this account, and it is distressing to encounter issues for actions I have not committed. I urgently request the rectification of my account and the removal of any erroneous information that is causing me undue stress.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Checking or savings account

when I was moving to New York, I had to use my Suntrust/Truist checking account to pay my deposit. This was XX/XX/2021. They refused to release my money. I could not even use money orders from the account. I almost lost my apartment. I kept calling their customer service and being put on hold for hours, hung up on all while at the post office in XXXX. 
Then, after I finally got through and they released my money, I tried transferring more money into the account. I was confirmed that I had in fact deposited an additional XXXX dollars. They then hit me with XXXX dollars in overdraft fees, because when I hit 'transfer ' their system was down and the money was not in the checking account. But on my end the money showed as transferred. 
I have called repeatedly and begged with them to credit my account the XXXX dollars they stole from me, and they told me they can not help me! That's my money! That is stealing! 
I even went in person twice to a Truist bank in Florida, both times the wait times were horrific and they said it would take two hours because they were short staffed. I asked to speak the supervisor, and he was busy too. This is completely unacceptable!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION credit 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 consists of a personal CAR LOAN account opened at XXXX on XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$39000.00}. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize in of the following Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I ordered from XXXX. I wanted an estimated XXXX months for my order. After not receiving it, I contacted XXXX customer support. They stated they could not help me. I then escalated it to my bank and disputed the transaction. I received a provisional credit. Later they denied the dispute and took the money from my bank. I contacted my bank for an appeal 2 times after that and was denied both times. I requested proof on why I was denied and I was met with nothing. I then contacted the shipping company, XXXX. XXXX approved that it is a lost package and gave me a case number stating it is lost and was not received. I then contacted my bank and gave them the case number. I was denied again even with the case number. They will not tell me why I was denied. They will not approve my dispute even though I have a case number proving I do not have the package.
Product: Credit reporting or other personal consumer reports

Nelnet has placed XXXX accounts on my XXXX report with a ( XXXX XXXX ) status. Nelnet has never disclosed to me that such report will be placed on my XXXX report nor did I receive a notice regarding this.
Product: Debt collection

LVNV Funding LLC has filed suit against me in court this month. Apparently I disputed the balance with the original creditor, and I know it was not resolved, I followed with disputing with XXXX and XXXX for unresolved and unidentified balances inflated with fees. This happened with multiple accounts simultaneously. In unison, all my creditors slashed my limits, making my utilization from 30 % to 98 %. All my accounts followed suit. Some were resolved, many just ignored, closed, and charged-off. Some debts were sold. The amount charged does not accurately match any of these closed accounts, with balances unresolved and closed, prohibited future payments i could make. 
So I am blindsighted by these unknown debts I cant verify, or address the disputed charges never corrected by the bank. These people blatantly ignore my requests. My credit report disputes were ineffective, with the collector informing them of litigation to substantiate the debt, months ago. I am still waiting to be formally contacted and cooperated with. As far as I know, this is just extortion. 
Additionally, I am obstructed from matching the debt to a closed account because the balance is new. Furthermore, they report every 14 days, and increase my balance anywhere from $ XXXX {$15.00}, padding interest they are legally prohibited from collecting in New Jersey XXXX 
These accounts I was working with during Covid. Good faith payments are hidden in the reports, and prove additional discrepancies in the validity of this debt. 
The bank wouldnt correct their errors. They reduced my limit and closed the account. Only from the legal papers filed, can I see this debt was sold twice. XX/XX/year> the bank sold it, and the same day the purchaser also sold it, to a 3rd owner, who reported me immediately to collections, never responded to my requests or validated anthing in my disputes. 
Exactly 6 months later they have filed suit against me for this debt they continue to inflate bi-weekly, without any legal repercussions. 
I cant afford an attorney. The consumer protection has failed me as Im being destroyed financially. My credit was XXXX, down to XXXX in a few months. 
I cant get the information I am required to be given without asking. I cant verify the debt, and I can only prove its inflated. This is criminal. One company has 7 debts reported against me and I cant even identify the account. 
Please help!
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts listed on my credit report without any explanation. I always monitor my report, but this time, these discrepancies just appeared. I even refreshed the browser to see if it was some kind of error, but it wasnt. The incorrect accounts remained, and Im now asking that the documents I submitted be thoroughly reviewed, so I can finally stop stressing over this.