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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 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
Product: Credit card or prepaid card

I have been getting fees for every time I would have friends or family send me money thru cash app. I thought it was what they charged but then my wife showed me on her account she never gets charged anything so I looked more into it. I've paid over XXXX $ in fees over the past year because I have a business account, I don't know why I have a business account but cash app says it can only be done from the app and that I chose a business account. Well I didn't mean to. Business accounts are charged 2.75 % for any money received. So I contact cash app all ask them what's up and they agreed that it was probably a mistake and said they would reimburse fees but only 7days back from the time I contacted about fees. Basically everything past the 7days it my mistake for not catching all the fees I was paying sooner and I'm stuck with the fees. There crooks, please help!
Product: Credit reporting or other personal consumer reports

I was coerced and forced to sign a contract with XXXX XXXX  for account number XXXX. This transaction was not voluntary, nor was it entered into with free and informed consent - a fundamental requirement for a legally enforceable contract. This account is fraudulently and unlawfully being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : This is NOT a duplicate of any previous complaint. 

It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. 

The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. 

Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.
Product: Debt collection

Previously, contact was made with Diversified Consultants Inc in regards to a XXXX Account XXXX. I have sent letters and requests that they validate, not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. All I receive from Diversified Consultants is copies of old bills as their form of validation which does not sufficiently prove that I am obligated to pay them anything. They have reported delinquent and incorrect information that I am asking to be removed.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, i noticed discrepancies listed under the following names ; Automated Collections XXXX and XXXX XXXX XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; States right to consumers privacy- reporting agency can not furnish an account without MY written consent
Product: Credit card or prepaid card

Someone tried to open a Citibank credit card in my name around XX/XX/2022. Received a letter from Citibank in the mail alerting me to the fact that someone was trying to open a credit card using some of my identification information. I figured this out given that some of the information in the credit card letter that Citibank sent in the mail was not familiar to me. I alerted Citibank and they initiated an investigation and closed out the credit card account. No money was lost and all three credit reporting agencies were alerted to this fraud.
Product: Debt collection

Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? 
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. 
Note : Please see attached supporting document. It is dated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that FedLoan Servicing was reporting a loan with a XXXX  balance and an $ XXXX  monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX  in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with FedLoan Servicing about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXT XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; 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

Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX SXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

BMG Money has an open account on my credit report, the loan is closed which its still reporting late payments and open, Ive contacted this company numerous times and the credit bureau to delete this off my credit report
Product: Student loan

Loan should be discharged and prior payments returned to me, due to legal action brought against XXXX for misleading recruiting tactics and job placement information. 

Fedloan Servicing has reviewed this information and facts previously, and ignored the courts order, and continued to collect my loan without any discharge consideration or some type of relief of this debt!
Product: Debt collection

On XXXX/XXXX/XXXX I received a harassing call at my place of employment from a man by the name of XXXX XXXX from a company by the name of XXXX XXXX ( Address provided : XXXX, CA ) XXXX. XXXX XXXX said they handle legal claims prior to litigation. XXXX XXXX also said this was an account I had opened with XXXX XXXX in XXXX XXXX and that the last payment was made in XXXX. I informed XXXX XXXX that I never applied nor I have a credit card from XXXX XXXX. He said that if I did n't settle right then, I would be taken to court and be liable for their legal fees. I asked XXXX XXXX to stop calling and especially at my place of employment, he told me see you in court!. 

Today, XXXX/XXXX/XXXX, I received another harassing call from a woman from the same company saying she was handling my law suit and that I needed to pay or else I would be taken to court and be responsible for court and legal fees. She said I had opened an account at XXXX XXXX in XXXX and purchased items that I never paid back. I told her I had never had a credit card from XXXX XXXX, but cut me off and threatened me with garnishing my wages and going after any assets I have, including bank accounts and property if I did n't pay them. She then hung up on me. Both people from this company were very threatening and made sure that my place of employment knew they were calling about a legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021
Product: Credit reporting

Wrong names and initials, wrong address listed, accounts listed not mine some over seven years, wrong employers listed. Accounts I do currently hold not listed. Current employer not listed.
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A se
ction 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX
Product: Credit reporting or other personal consumer reports

Equifax has many errors on my credit file from wrong phone numbers, balances ETC I have requested my complete credit file from Equifax and have yet to receive it. 

Nothing but the run around with a complete credit file with all the pages. 

Equifax has many to much gather wrong info.
Product: Checking or savings account

My issue has now been resolved but this is the third time Wells Fargo has personally deprived me of fair consumer practices. If I deposit a check, it should not disappear. Yet on XX/XX/2023, I deposited a check and received confirmation from Wells Fargo that it would ne credited to my account. On XX/XX/2023 my deposit disappeared. I called Wells Fargo and asked how I could access my hard earned paycheck and avoid " their technical issue ''. A Wells Fargo agent told me I would be considered to be " double dipping '' if I tried to cash my check via some other method. My check was held hostage and Wells Fargo did nothing to notify consumers or offer us any alternative. Consumers were at their mercy and given their history, enough is enough. I am tired of getting minimal checks for their class action settlements each time they do wrong. They buy out mortgages and loans to entice consumers to stay because it is a convenient one stop app to pay major bills but I am switching to a credit union because nothing is being done to protect consumers.
Product: Debt collection

I disputed with experian saying " These letter is a formal complaint that your reporting inaccurate and incomplete credit information. According to the fair credit reporting act section 609A1A, you are required by federal law to investigate through physical verification of the original signed contract. Any of all accounts that you post on a credit report, otherwise any one paying for your debt is fraudulent. I demand to see verification proof and physical and original contract. If you fail to validate remove from my account immediately. " XXXX never did proper investigation and mark verified in XXXX hours
Product: Money transfer, virtual currency, or money service

A hacker cloned my phone and created a face login he hacked my XXXX locking me out he made several withdrawals fr my bank account and even with police report and email from XXXX that my account was comprised they refuse to give my money back I'm very frustrated over this because it's XXXX my bank refuses to refund as well it's like I'm guilty when I had no control over this. I replaced my phone my Sim card and changed my number. I've lost my car had to stop XXXX and I'm about to be homeless all because of this I have late fees and tons of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did wat I was asked got police yet still not good enough according to the EFTA they're liable especially I'd I have proof XXXX  refuses to closed account after they saw it wasn't my device in the app and he stole another XXXX fr me that us all on XXXX they're already being sued for this c exact issue
Product: Checking or savings account

In XXXX of 2021 I had went into my bank account with XXXX where I had been banking and out of now here I was locked out of my account. When I called they told me that they can close it whenever they want and there was fraud activity on the account which didn't make sense because I was fine with my account. I want my checking and saving account with them again because I was becoming better at it with them and now they are saying I can't.
Product: Credit card

REFUSED TO ACCEPT MY REQUEST FOR DISASTER RELIEF. 

SELF is a recipient of federal funds and beneficiary of federal programs. Self refused to comply or refuted President Biden 's Emergency Declaration / Executive Order. 

on XX/XX/year> approx XXXX EST, i contacted Self via chat after logging in to my account with this request : " MY HOME IS IN A FEDERAL AND STATE DECLARED DISASTER, and i was affected by the disaster. I WOULD LIKE TO APPLY/REQUEST DISASTER RELIEF regarding my account. ". 

the agent, XXXX, responded that no disaster relief is available through Self for victims o

f Hurricane Milton and Hurricane Helene. i requested that she take my request to memorialize that a request was made. i was told no. 

Every other credit card company to my knowledge complied with President Biden 's Executive Order. Except Self, they believe they are not required to make any accomodation for disaster relief or changes to their programs or procedures.
Product: Debt collection

I have been contacted by Recovery Management Services on the dates of XXXX, and XXXX. I made it known during the first phone call on XXXX that they are not to call me, and that I can not take calls as I work from XXXX to XXXX, however, the same individual proceeded to contact me again on XXXX. Once again, I informed the individual, from Recovery Management Services, that I had told them before not to call me, and that I did not appreciate them harassing me, which resulted in the individual proceeding to threaten that things would only get worse if I didn't pay, and that they were going to have to proceed to the next step of debt collection, further harassing me despite me telling them at the beginning of the phone call not to contact me and that I was working. I proceeded to get harassed by this individual for the duration of the phone call about how bad things would happen if I didn't pay, and that I would have to pay eventually. The individual calling from Recovery Management Services also has not provided me the exact amount I owe, although stating via phone call that I owe excess of {$8000.00}, despite the amount owed to the original creditor being around {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft, in XX/XX/XXXX, the Federal Trade Commission issued me a recovery plan to follow step-by-step. The plan directed me to send a copy to Equifax. After equifax received it, they deleted the item. 
This item that they deleted, had appeared in XX/XX/XXXX without any notification by equifax as required by the law. I sent them a protest letter that they failed to notify me. Equifax responded that they completed the investigation and they verified it belongs to me I obtained new identity theft report and sent it equifax. On XX/XX/XXXX equifax deleted the item. This item reappeared for 2nd time without any notification by equifax as required by the law.

Since then I sent 5 additional letters, begging, requesting, asking equifax to provide me the description of the procedures used to verify this item. In addition, the attached letters here show that the information regarding this account have been changed and equifax is reporting them with different value, such as date when was open, 1st delinquency, date of last payment etc. The date when was closed is missing and this makes the account incomplete. Equifax have been notified multiple times of these errors and they are aware of these errors. 

So far, equifax have not responded to my letters how did they verify this belongs to me, why they are keeping this account in my file, knowing the fact that it is incomplete, and why does this account is now reported with different values from what it used to be before.
Product: Checking or savings account

I received a call supposedly from XXXX XXXX ( and it came up on my phone as that ) They got my checking account #, some how went through Zelle and took {$500.00} dollars out of my checking account. 
My bank said that they tried to recover the funds from Zelle and were unable to. 
So now I am out {$500.00} and my bank doesn't do lending and I don't know why when CLEARLY IT WAS FRAUD that even Zelle can't refund me the money. Its alot of money plus the holiday but I just need to pay my bills and not bounce my checks. XXXX dollars is one thing but XXXX is ridiculous. If there is any way in helping me get my money back I would appreciate it. If you need any other info let me know. Or if you can't help who am I suppose to be contacting.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report.

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA.

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter.

Thank you for your cooperation in resolving this issue.