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

Claim reference : XXXX I spoke to the XXXX XXXX  customer service department and they said there is a mistake on the way your handling this Dispute, i spoke to one of the wells fargo representatives on XXXX and she said Wells Fargo has no dispute rights, but according to the XXXX XXXX XXXXupport team if i paid with my debit/credit card i have the right to dispute the transactions with Wells Fargo and potentially get my money back - email attached. Wells Fargo is violating my rights, which is the fair credit billing act by denying my rights to file a dispute and i will be forced to file a complaint about Wells Fargo with the consumer financial protection bureau and Federal Trade Commission because your Violating the law. I request that you respect my rights and proceed with the dispute, I am writing for a charge in the amount of {$8700.00} on my account, i hired this company for Professional renovation services for 3 properties, this seller never did any work, i requested several times for him to finish and it was never done, after he disappeared and never again answer to me. Because of this i want you to consider this transaction as Fraud. We refused to pay the amount charged {$8700.00} as i never got any of the services and the seller blocked me which turns it to a fraud. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement because i refused to pay the amount billed on my account. PLEASE CONTACT ME SO I CAN SEND XXXX XXXX  EMAIL NOTIFICATIONS WHERE THEY MENTION YOU CAN DISPUTE THE CAHRGES
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City State Zip : XXXX, Florida Date : XXXX Creditor Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX New York XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX ) To whom it XXXX concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( XXXX XXXX, account number is reporting a balance of ( {$1.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file.

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$1200.00}.
Product: Credit card

I really want XXXX XXXX XXXX to reconsider letting me have a banking relationship with XXXX XXXX XXXX. I want a XXXXXXXX XXXX XXXX Secured credit card. I am ready to build and have a great banking relationship with XXXXXXXX XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$95000.00}, {$9300.00}, {$31000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95000.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
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 ) 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.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 or other personal consumer reports

On XX/XX/2024, XXXX XXXX alerted me that there was a hard inquiry on my credit from XXXX XXXX XXXX for Home/Office Furnishings . I did not recognize this hard inquiry, as I have never needed a hard pull on my credit before and am not planning on it anytime soon. I called XXXX XXXX today ( XX/XX/2024 ) and they confirmed that somebody did use all of my personal information to apply for a loan online for XXXX XXXX XXXX on XX/XX/2024 through XXXX XXXX. XXXX XXXX marked the request as fraud, but the hard inquiry is still showing on my credit report. XXXX XXXX also emailed me a Case Completion Letter for the investigation they opened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and TransUnion for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My Chapter 7 bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.
Product: Mortgage

Loan # XXXX I submitted forbearance package 4 time. The 4th time I had to get a supervisor on the recoded line who confirmed they had all my information and if anything was needed i would get a call. This was around the XXXX of XXXX when I made my payment. On XX/XX/XXXX I recieved a letter dated XX/XX/XXXX that I submitted an incomplete package, and my loan was closed. When I called back, they told me my loan was sold and there was nothing they could do about it. I had to request goodbye letter and I have not received the welcome letter from the other servicer My entire issue started with Covid and all we were asking is for the balance 3 months to be moved to the back of the loan or payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I am a victim of identity theft.
Product: Debt collection

I asked for this collection to be mailed to me. It was mailed to me and asked for them to please stop calling me. They have continued to call me. I received a call today XX/XX/2022 at XXXX where the very rude representative demanded I pay off my debt that I can not afford or they will continue to call everyday until its paid. She rudely stated I will not be put on the do not call list until its paid. This now the 3rd phone number I have blocked from LVNV Funding LLC
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX XXXX  somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.
Product: Debt collection

I tried to contacting navy federal in regards to my title free of lean and they wouldnt release it, although they sent me a 1099c and discharged the debt as its reflecting my tax transcripts as well This signify that the debt has been discharged though there organization. It is causing me emotional distress and pain and suffering for their false and deceptive practices.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiry was made by a third party without consent.
Product: Credit reporting or other personal consumer reports

Your letter looks good. Here it is, slightly polished : -- - Dear Experian, I am writing to dispute an account listed on my credit report that I believe is a result of identity theft. The account in question is a XXXXXXXX XXXX credit card. 

This account was not opened by me and is fraudulent. I have attached a copy of my FTC Identity Theft Report for your reference. Please investigate this matter, remove the fraudulent account from my credit report, and take the necessary steps to prevent any further damage. 

Thank you for your prompt attention to this issue.
Product: Debt collection

I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 

The operator identified the company as : XXXX XXXX XXXX. And explained they needed personal information to identify me before they would discuss anything. 

I began by requesting the street address and company telephone number. The operator would not give me the address or number. The operator said " they have offices all over the world '' as if this should appease me. I explained they are required by law to provide this info. I asked to speak with the supervisor. The operator put me on hold XXXX seconds, then said the supervisor was unavailable and abruptly disconnected me. 

When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.
Product: Credit reporting or other personal consumer reports

This company is reporting information that is inaccurate. According to the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ] A reinvestigation of disputed information : " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is INACCURATE and record the CURRENT status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In paragraph ( 5 ) it states ; " 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 information..

I also request a description of the procedure as stated in paragraph ( 6 ) ( B ) ( III ) which states " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency ... ''
Product: Debt collection

I requested that LVNV Funding send me a copy of an original contract with my original signature, showing that I entered into a contract with LVNV Funding. I have never signed any contract with this company, and I asked them multiple times to remove the item ( {$17000.00} ) that was placed on my credit report. I ask that this be removed within 30 days. I also contacted the three credit bureaus, and it was removed by XXXX, but XXXX will not remove it stating that " they will continue to place it on my credit report because the company LVNV Funding says that the information is correct. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account name XXXX 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 an account without my written instructions.