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

Today ( XX/XX/year> ), I was told by Wells Fargo that my account had been closed and my debit card privileges had been revoked by the fraud department. I opened my account in XXXX as a second chance banking account to deposit a check from the state that was from my grandfather 's will. I had a good relationship with XXXX, and nothing was wrong. I recently checked my bank statement and seen a couple of purchases that needed tending to, simply because they either were for items that I bought that were given to me in a condition that was not as advertised or were delivered to my house much later than the delivery dates that were provided to me. I decided to go ahead and file some disputes under XXXX claim to limit the hassle of multiple claims all going in at once. I was told that the number of claims did not affect anything, so I felt comfortable doing so. Today, I went to the doctor 's office for a checkup and noticed my card wasn't working even though I had money in my bank account. I was prompted to use a separate card, but it was to my dismay. I decided to purchase XXXX more thing after my appointment and was not able to get it to work. After calling the Wells Fargo line, I was told that my privileges were taken due to the fact that they reviewed my debit card history and the claims I put in. If they truly looked into everything, they would see that my claims were all legitimate and I mentioned to the person who serviced me that I could provide evidence if necessary. Also, my debit card history has NO issues, and I have not made any fraudulent purchases NOR have I submitted claims in the past to even be monitored. I prompted the employee to escalate this to XXXX in order to reach a final ruling and possibly reverse the ending of my relationship with Wells Fargo. As said before, I can provide ADDITIONAL INFORMATION if necessary and will send the same claim to OCC.
Product: Student loan

I have tried contacting this company multiple times. I've emailed and called. I have received no response. XXXX sent over the information for my payment plan, yet they haven't updated my account to reflect the correct monthly payments. 

Their customer service department is non-existent, and this is unacceptable for a loan servicer. Borrowers should easily be able to get in contact with the providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
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 {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.
Product: Debt collection

I submitted a complaint pertaining to a student loan I did not take out. The loan has transferred through multiple companies in a short time and it is currently held by EdFinancial. The complaint was submitted on XX/XX/2023 and their response was due on XX/XX/2023. I have received no response, and I am still receiving billing statements saying that the first payment is due on XX/XX/2023. I have worked hard to achieve a good credit score, and I fear that not making a payment on this loan I did not take out is going to impact my credit score. I am also a federal law enforcement applicant, and having unresolved debts negatively impacts my ability to get hired. I have been trying for six months to get this issue resolved with no response whatsoever by this company. 

Original complaint ID : XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to lodge a complaint against TransUnion regarding my inability to obtain my free credit report through XXXX, as mandated by federal law. 
I attempted to access my free credit report from TransUnion via the XXXX website multiple times. However, I encountered an error message stating : " Unable to Complete Your Request Online. Unfortunately, your request can not be fulfilled online at this time. Please request your report using one of the other options below. '' The options provided were to request my report by mail or by phone. This situation is frustrating and inconvenient, as the online process is designed to be straightforward and accessible. I believe that consumers should have the right to easily access their credit reports without unnecessary barriers. 
I have attempted to follow the alternative methods suggested, but I find it unacceptable that I am unable to obtain my report online, especially when the law entitles me to do so. This experience raises concerns about TransUnion 's compliance with the Fair Credit Reporting Act and their obligation to provide consumers with access to their credit information. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the law and provides consumers with the access they are entitled to. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has stated that I the consumer owe a debt and has reported on my credit report without my permission and by doing do they have violated FDCPA. I have communicated with XXXX XXXX to request verification of the alleged debt however I have not received any response. 
On XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX a Cease and Desist letter along with Debt validation/verification letter. Capital One did not rebut the letter point for point with proof of a valid debt owed and I have not gotten any response from any of my correspondence to them in regard to this alleged debt. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit of Service by mail. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit attesting to the mailing of papers or documents ( with documents attached ) & Notice of Record - Notice of Default and Opportunity to cure. 

I have attempted to settle this matter with XXXX XXXX XXXX XXXX XXXX XXXX, however the company continues to report negatively on my consumer report and has violated several of my consumers rights. I have suffered emotional distress, defamation of character, and other unseen injuries. Please see all violations below : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms.
Product: Checking or savings account

I logged into online banking on XX/XX/year> at XXXXXXXX XXXX and saw that my savings account had been closed and that a cashier 's check for {$88000.00} had been issued. I did not authorize this. 

I called Wells Fargo at XXXXXXXX XXXX  on XX/XX/year> to tell them my account had been closed and money had been withdrawn without my permission. 

On XX/XX/year>, I went to my Wells Fargo branch office  to report this to them. I called the police, filed a report with them, and then filed a report with the FTC. The Wells Fargo representative initially told me that the account had been closed over the phone and that they had issued a cashier 's check. Later, I was told that someone had come into a Wells Fargo branch office, had closed the account, and had requested a cashier 's check. They also told me they had put a stop payment on the cashier 's check. Every time I call Wells Fargo to get an update on when they will have a cashier 's check for {$8800.00}, they give me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX XXXX {$740.00} XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/XXXX XXXX. As of XXXX XXXX Transunion has failed to complete my investigation. These XXXX  are taking advantage of normal people. They have not communicated with me for the following accounts. 

US DEPT ED # XXXX US DOE/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these XXXX account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX off of my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX 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
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I never received the credit card. This account should be closed and removed from my credit report. I do not owe any balance since the company never issued any cards nor had access to this account, which led me to cancel the account entirely. 

XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX ( XXXX XXXX ) transferred {$60.00} to XXXX XXXX on Venmo. I was unaware she had closed her Venmo account. The {$60.00} was withdrawn from my bank XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I requested a refund from Venmo and they said XXXX XXXX had to send them an email confirming she closed account. She did that and was told email not sufficient. On XX/XX/2022 she spent 2 hours on the phone with various Venmo Reps trying to unlock her account but was unable to do so. She was switched may times and got extremely frustrated and the rep hung up on her. She made 5 calls. She got an email saying someone would contact her in 24 hours. No one did. 
They withdrew my money and are not giving it to the recipient nor are they refunding it to me. I can't imagine I am the first person in this position. 

Date Description Type Amount Balance Posted XX/XX/2022 VENMO PAYMENT External Withdrawal {$60.00}
Product: Money transfer, virtual currency, or money service

XXXX  text received asking if I used my debit card to purchase {$500.00} at XXXX XXXX. Texted back no, then received cell phone call from Citibank, which I now know was a fraudulent call. The fraudulent person represented themself as a Citibank employee and was helping reverse {$500.00} debit purchase. While doing so, I received text messages about XXXX amounts, XXXX in total that came up to {$14000.00}, and the Citibank employee said they could help reverse these by having me XXXX back the funds. When the Citibank employee took me through the process, I saw my name as the person I was sending the funds to, however I later learned it was not to me, it was to the scammer. The fraudulent person also was able to open XXXX additional checking accounts and move {$15000.00} from my savings into the XXXX checking accounts, then apply for a personal loan. All were never authorized by me and all was done under the pretenses that I was talking to a Citibank employee who was helping me recover what I thought was fraudulent XXXX transactions. Now I can see all was fraud and I contacted Citibank the same date as the fraud, XXXX. Citibank is refusing to see this as fraud, and denied all XXXX ( XXXX ) disputes. I believe I am covered under the Electronic Fund Transfer Act, and Regulation EXXXX I was tricked and scammed and Citibank was negligent in alerting me that XXXX checking accounts were opened and savings was moved all without my authorization. And the movement of money through XXXX was under fraudulent pretenses because I believed I was resending the money back to myself.
Product: Credit reporting or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX v AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws? 
5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Product: Checking or savings account

On XX/XX/2020 i logged into my chime account app. I updated my phone number. 30 seconds later i got a message saying my account is locked do to fraudulent activity. I had XXXX left still in my account on XX/XX/2020 when chime decided to close my account permanently. When i called into customer service to find out what happened i was asked for account information to verify my account. I also sent chime a copy of my drivers license, ssn, proof of address and a picture of me holding my drivers license. So i verified everything. How ever. When i call in I'm asked for more information. When i give them the phone number attached to my account they said my account account belongs to a XXXX. Under the privacy an security why would chime tell me another customer 's information?? So i also provided my old cell number. It's mysterious non- existent. So i verify my acct # and routing. Chime tells me it's not my account. I seriously believe chime has illegally tampered with my account an has stolen my money. I've spoken to supervisors on XXXX XXXX and the XXXX. Because they closed my account i can't verify my information no longer. Chime bank is stealing my money an illegally closed an tampered with my account
Product: Credit card

I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service.