23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now Chase is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

Chase refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with Chase including my personal checking,  savings, and credit card accounts.
Product: Student loan

I requested a refund for student loan payments made during the Covid-19 pause. The payments were approximately {$7000.00} in total. I requested the refund in XX/XX/2023. The refund has been added back to my balance and accruing interest, but I have not received the funds almost 4 months later. I was told the refund would be processed by the federal government, but the department of education is saying the loan provided would handle the refund. Multiple calls to Mohela have resulted in no definitive timetable for the refund.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The unauthorized hard inquiries I am disputing are as follows : [ XXXX ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX  ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX Date : [ XX/XX/2023 ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 

I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX last XXXX [ XXXX ]
Product: Payday loan, title loan, or personal loan

My information was stolen in the XXXX  data breach. Information and documents used to open a fraudulent account. I have included Ed the FTC complaint and various police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

XXXX. XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXX XXXX XXXXXXXX XX/XX/XXXX DELETE XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX DELETE XXXX. XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.
Product: Credit reporting or other personal consumer reports

Someone created a fraudulent account with Affirm in my name and withdrew a XXXX XXXX XXXX from my banking account tied to my actual Affirm account thus I reported the fraud and Affirm closed my account. I didnt have a way to keep making the auto payments or manually make them and when I would call, each person I spoke with couldnt figure out was going on and multiple customer service folks said the account was closed and i didnt owe a payment. But then they came back and said i had a late payment. I had a handful of calls AND handful of written comms with them trying to sort out the issue. Because the COMPANY kept saying on multiple occasions the account was closed and payment wasnt needed. Time lapsed resulting in a late payment that I was trying to pay/ sort out on time. They did not acknowledge their part in this and refused to accept my dispute and even though I have records otherwise and I was never late to pay entire or after the one issue which was related to fraud because of Affirms poor systems, controls and transaction monitoring.
Product: Debt collection

I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that IC SYSTEMS Provide verification of the fol lowing : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

I recently received a copy of my Experian Credit Report, dated XXXX/XXXX/XXXX, # XXXX. I noticed the following information reported on my report that is inaccurate. I have called an sent certified letters regarding these unauthorized inquiries and there has been no resolution to this wrong reporting information. The FCRA states that the only permissible purpose for pulling someone 's credit report is 1 ) firm offer of credit 2 ) insurance 3 ) employment or 4 ) a court order. The following inquiries are not related to any of these reasons nor did I authorize my credit to be checked by any of these companies : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, and XXXX XXXX/XXXX/XXXX. The above inquiries are unauthorized and should be deleted immediately.
Product: Debt collection

I am a XXXX at same time, so we are so busy. And this company/debt collection calling looking for someone who never been a part or employee at this place at any time. I told them to stop calling, this is a XXXX, and I can not entertain them because we are so busy. They still keep calling ... And I called them back and told them to stop harassment, the lady/operator said is not a harassment and they need to resolve theirs issues ... which I have no connections to.
Product: Mortgage

On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.
Product: Vehicle loan or lease

I contact ( XXXX ) Wells Fargo Dealer Services on Friday XX/XX/XXXX at XXXX XXXX and told them that since the beginning of the loan, I notice that all the extra money beside my payment isn't going toward my principal amount! Instead I'm paying for the daily interest if that extra money doesn't go towards the principal! I even send in a separate check from my payment that clearly said Principal Payment in the memo! 
So on Monday XX/XX/XXXX I sent in another separate check and wrote principal payment on it again and today I check again online and notice that they are doing the same thing again, not apply that principal payment towards the principal amounts. I don't want to call them every month and tell them to do their job, when it clearly said on Wells Fargo Dealer Services website that if I want it to go towards the principal, just have it written in the check! Even the representative that I spoke with on XX/XX/XXXX even told me that if the amount on have on my payment check is larger then the payment itself the extra will go towards the principal, but I clearly told her that have not been happening in my case at all! So I told her that the next time this happen again I will be filing a complaint with the CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. EQUIFAX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.
Product: Mortgage

XX/XX/XXXX- Applied for PMI cancellation. Was told I could either make a payment to get over 20 % equity based on appraisal or apply for a reappraisal. 


XX/XX/XXXX- Applied for PMI cancellation after making numerous additional payment to get to the 20 % equity. Now they are saying I need to get to 25 % equity. Also claim they are unable to calculate the value of the house and that it may have gone down. Apparently my house is the only house in the country that may have decreased in value over the last 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting the run around by Experian, they suggested that I contact XXXX. When I called XXXX you can only access a recording which specifically states We can not help you with your credit report or scores, please contact the credit reporting agencies. Ive already done that ; | Experian had no clue why my score dropped 14 points, what a collection of XXXX. Being in the lending industry I understand credit reporting all too well. 
| On XX/XX/2020, the Experian site had my score at XXXX ( Picture attached ). I have a credit limit of {$26000.00}, yet my only outstanding balance was {$200.00} or 1 % utilization rate. 
| On XX/XX/XXXX, roughly two weeks later my scored had dropped by 14 points. ( Picture attached ). This is significant because as you can see by the attached picture, I have paid off the {$200.00}, no other factors on my credit have changed. Having low utilization rate or in my case 0 % is a positive on a credit report, not a negative. The people at both Experian and XXXX can not explain how this happened. 
| Experian will send you a bunch of XXXX nonsense which will tell a laymen how credit works. These XXXX need to address why the above comments happened, which are the complete opposite of how credit works. 
| Anything short of that is plain XXXX! Does the CFPB have any XXXX XXXX? Or is it just another useless govt agency?
Product: Vehicle loan or lease

I was never 30/60/90 days late on ( XXXX, XXXX, XXXX, XXXX OF XXXX on this ( JPMCB AUTO ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30/60/90 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  ) XXXX XXXX XXXX. Below you will find the attached copy of the 30/60/90 days late and the creditors contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my complaint on XX/XX/2020 to Experian about the mistakes on my credit that I never got any results from when I sent it. I gave a copy of my ID to prove it's me and still they said they don't think it was me. This was after they said a week earlier that they would investigate. It is me and they are trying not fix the mistakes on my credit. I have right to dispute these things. I am sending everything again including what they said to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. Chrysler Capital XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies 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.
Product: Debt collection

My name is  XXXX   XXXX  and  PORTFOLIO RECOVERY ASSOCIATES  Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  XXXX   XXXX  account. In  XXXX    XXXX  . They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my XXXX report and noticed and unfamiliar account with a bank I've never used. Acima Digital is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I opened a loan with Freedom plus now Achieve in XX/XX/XXXX. I had XXXX late payment reported in XXXX XXXX XXXX ( right when the world shut down due to COVID-19 ). I also went into XXXX XXXX  with my now XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have tried multiple times to get the late payment removed, I called Freedom Plus and they said they would remove it ( the calls are recorded ) so they should be able to go back and find the phone call. 
It is still reporting late and I do not want it reporting late anymore. Please help me remove this late payment as it should have been removed XXXX  years ago.
Product: Credit card or prepaid card

Tracking pixel  All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. 
After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.
Product: Credit reporting or other personal consumer reports

Third request prior-to filing a federal lawsuit against the CFPB and the CRAs.

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX  VIA DEALER Inquired on XX/XX/2XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired oXXXX XXXX
Product: Money transfer, virtual currency, or money service

As we all know what is going on in XXXX and how XXXX people are suffering due to XXXX aggression against XXXX. Governments and people around the world are trying to help XXXX people in need who were forced to flee their houses and their cities, leaving everything behind. Same happened with my friend and his family of XXXX kids, who had to flee XXXX and move his family to XXXX part of XXXX for safety. On XX/XX/XXXX I sent a wire transfer from my Wells Fargo personal savings account to his account with XXXX XXXX XXXXXXXX XXXX  located in XXXX XXXX, just to ease their suffering. Wells Fargo happily charged my account {$45.00} for wire transfer fee. Original funds delivery date was on XX/XX/XXXX. Until this date XX/XX/XXXX funds weren't delivered to beneficiary or returned to my account. After numerous calls to Wells Fargo Bank and spending multiple hours on the phone, being transferred from one department to another still no resolution. Received multiple case numbers.. Case Number : XXXX, XXXX, XXXX. Spoke with numerous Wells Fargo 's reps : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Responses varied from : money will be delivered tomorrow, in couple days and final excuse... wire was stopped due to XXXXrelated Sanctions! XXXX! 
There are no sanctions against XXXX!!!! Sanctions against XXXX due to XXXX aggression against XXXX!! 

This can be checked easily be visiting treasury.gov website. This link is for Wells Fargo so called " investigators '' XXXX XXXX XXXX Wire wasn't sent to XXXX or XXXX  person!! 
I'm utterly disappointed with Wells Fargo Bank and their apathy to people 's suffering.