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

In XXXX of 2019 I became locked out of my XXXX  website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account numbers XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, cyber criminals hacked my grand daughters laptop and cellphone. She is co-owner of my Wells Fargo account. We notified Wells Fargo immediately, on XX/XX/XXXX. 

They took {$4800.00} from my Wells Fargo account via wire and about {$300.00} via XXXX. 
I contacted Wells Fargo and they refunded all of that stolen money. 

About two weeks ago, Wells Fargo decided that they made a mistake in refunding the {$4800.00}, and they took that money out of my account. They sent a letter saying that i am responsible for online wires " whether or not actually authorized '' Regulation E says that they have to reimburse money taken as long as they are notified. 

When Wells Fargo took my {$4800.00}, they were in violation of that law.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Outdated Debt Account Number : [ XXXX ] To whom this may concern for CONN APPLIANCES INC I am writing to dispute an account listed on my credit report. This account, with the account number [ XXXX ], is being reported incorrectly. 

According to the Fair Credit Reporting Act and the Tennessee statute of limitations Tennessee Code Annotated XXXX : Statute of Limitations on Debt, the time period for collecting this debt has expired. The account open date is [ XX/XX/year> ], which is beyond the 6-year statute of limitations for written contracts in Tennessee. 

I request that this debt be removed from my credit report immediately. Please conduct an investigation and inform me of your findings. Enclosed are copies of my credit report showing the account in question, along with documentation of the last activity date. 

Thank you for your prompt attention to this matter.
Product: Credit card

I made a purchase from the company ( XXXX ) on XX/XX/2023. The clothing was mistakenly dropped of by the shipping carrier USPS to a different address. So I never received the product purchased. I called XXXX customer service to report the issue. I was sent an affidavit along with dispute forms. I filled out these forms and mailed them twice once on XXXX XXXX and again XX/XX/2023. According to customer service they did not receive the forms. I called numerous times and have emails from XXXX service reps working with me to resolve the matter. On XX/XX/2023 I made a payment to Comenity Bank for a XXXX from my bank to XXXX. According to XXXX the matter was closed due to lack of information even though I sent them all information twice that included a letter from the USPS manager stating the package was delivered to a wrong address which they were unable to reclaim as well as my payment that posted from my account to Comenity Bank. I called multiple multiple times to rectify this issue which was affecting my credit score due to showing that the account was now 60 to 90 days late. I have emailed correspondence as well as copies of everything I sent but yet they were not able to do anything with it according to them so the matter was closed and I ended up paying again to XXXX XXXX. Which they have not cleared my account or the late standing to the credit bureaus.
Product: Debt collection

I believe the account is invalid. FIRSTSOURCE ADVANTAGE , LLC collection agency and XXXX XXXX BANK XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

FIRSTSOURCE ADVANTAGE , LLC Original Creditor : XXXX XXXX BANK XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Wells Fargo wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX by the name XXXX XXXX. 
The funds were transferred utilizing Wells Fargo 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Wells Fargo.
Product: Debt collection

I sent a debt validation letter to PDQ Services INC on XX/XX/2021 asking to validate the {$1500.00} owed. The company vailed to validate the debt, instead the sent a list of my medical records which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Product: Mortgage

Good Morning, I have a complaint about my former second mortgage bank, Charter One, NA : Act. XXXX was discharged by Chapter XXXX bankruptcy proceedings in the XXXX  district of Michigan Bankruptcy Court, Petition No. XXXX, listed in Schedule D for secured loans. The house was appraised and found to be under water at that time. Court Register of actions shows that no other order was entered that addressed charter One 's mortgage. The debt was discharged. Upon attempt in to refinance my home, per divorce order to remove my ex-husband 's name, Charter One, bankruptcy department refused to strip lien, subordinate loan, and asked for payments. Manager, 'XXXX  , ' is now claiming XXXX is due the original amount was XXXX. She refused to put any request in writing. Myself, my mortgage broker from XXXX  XXXX XXXX XXXX, and a lawyer who no longer represents me contacted her via phone, mail, and email during XX/XX/2018 to present. She confirmed the loan was charged off. I demand Charter One strip the lien from my title, with no money owed as it is a charge off, as soon as possible. I would like them to email or send me supporting documents that this was done. XXXX XXXX XXXX XXXX, XXXX XXXX, mi XXXX thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I was using cash app and Cash app allow multiple companies take money from out of my account and every time I try to dispute it or try to talk to someone I didnt get no help so I continue to dispute it as many time as I can, and so cash app just closed out my account The company took like XXXX and something for me, but I was never able to get it back
Product: Credit card or prepaid card

Hello, I am writing to American Express to express my disappointment with a charge that occurred on XX/XX/2021 from XXXX XXXX XXXX  in the amount of {$99.00}. This was for a subscription that I had cancelled prior. 

From XX/XX/2021 to XX/XX/2021, I was abroad in XXXX and did not have my cell phone on me, as I was using a XXXX phone number. I did have my laptop but did not receive any email correspondence from American Express. 

According to my phone records, American Express called on XX/XX/2021 and XX/XX/2021 to inquire about the above fraudulent charge. American Express also sent a text message on XX/XX/2021 regarding the above fraudulent charge. 

After I got back from XXXX, for some reason, American Express had allowed this charge to go through without my express approval and without discussing with me. 

Subsequently, I was charged a late fee on XX/XX/2021 and additional interest charges.
Product: Credit reporting or other personal consumer reports

I requested over the phone for Nelnet not to report my information to any third parties such as XXXX. I did this several times and have XXXX of these phone calls recorded. Each time I was not given a written request asking for my permission to disclose information nor an explanation of my right to exercise my nondisclosure option pursuant to 15 USC 6802. This most recent contact was met with a written response from Nelnet ADMITTING that they are not following the laws set out by the Fair Credit Reporting Act. However, 15 USC 6802 clearly states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Clearly, Nelnet is saying that they have not and will not be giving me an option to exercise my privacy concerning third parties. I was never given a written notice at the beginning of said alleged agreement with Nelnet nor was I given XXXX upon these multiple requests. This constitutes as Nelnet violating these laws willfully and knowingly, and I would like them to comply and cease reporting immediately on any negative information that does not have my consent to be disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX  Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have VOLUNTARY surrendered my vehicle back to XXXX XXXX XXXX XXXX in XXXX of XXXX. 
However, XXXX XXXX XXXX just changed history of my account and notified credit bureaus Equifax, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!
Product: Credit card or prepaid card

Navy Federal is in Violation of 12 CFR for discriminating against me using my race, age, national origin, color, and sex to determine whether I get a credit limit increase for an account that to my knowledge is not for a special purpose credit. They have refused to respond to me since I have began communication with this company.
Product: Bank account or service

I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 card

I noticed reoccurring charges on my statement XX/XX/year>, the credit card due date ; that had been happening for a few months unnoticed. I disputed XXXX systems for the months of XXXX and XXXX {$21.00} each month. Live plan for {$40.00} each month. Legal zoom charges for XXXX each month. These charges were disputed multiple times, and each denied. I locked my card, requested a new on for fraud in XXXX XXXX XXXX  and still charges unauthorized were charged to my account in XXXX XXXX XXXX. I've only disputed three months of these charges however looking back thru the year the charges started XX/XX/year>, with XXXX at {$20.00} then continued with 5 more charges last one being XX/XX/year>, after the disputes and no longer using that card. Live plan total for 2023 {$200.00}, after the first charge XX/XX/year>, the amount taken from my card doubled to 40 XXXX XXXX XXXX  charges began XX/XX/year>, at XXXX and proceeded to charge my card XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXX  again after disputes were placed and a lock should have been on the card. XXXX XXXX  charges totaling {$120.00}. XXXX XXXX has been used by us prior we bought something in bulk and paid three charges of over XXXX $ for a specific need, however they had continued to charge us an unauthorized fee monthly for {$49.00} with no services requested starting XX/XX/year>, and continued in XXXX at {$49.00} and again XXXX XXXX XXXX  at {$49.00}. those charges seemed to stop after the dispute however my funds were never returned totaling {$140.00}. {$470.00} After the disputes i went on and paid for the purchases I authorized while waiting the period thru the disputes which they failed me as a consumer to investigate and handle properly. especially allowing for new charges to come onto my account when I'm disputing these companies. the failed to do a proper investigation and communicate with myself findings or even stopping them from charging me more. I don't not pay my credit cards my credit speaks for itself. however, I will not work hard to pay for anything I don't use or I haven't authorized. i choose larger companies to keep my business with for better protection from the world we live in today with scams and such on a rise.
Product: Debt collection

I sent a certified letter to AMERI COLLECT on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. They have three different entries from Ameri-Collect on my credit report. 

CERTIFIED # USPS XXXX
Product: Debt collection

In 2019 I went to a car lot called XXXX XXXX. XXXX XXXX got me approved for a truck through XXXX party financing company called Lendmark XXXX XXXX. I purchased insurance through Lendmark such as Gap and other insurance for car maintenance. I only had the car for around a yr. I regularly serviced the car through XXXX and XXXX. The engine blew. I asked that I use service that I have with them to fix the car or that we come to an agreement. They didnt want to help. I returned the car to them to let them figure out what happens next. I found out they sold my truck to someone. They still wanted me to provide the full payment for the new truck owner. I told them get my truck back and return it to me since Im still responsible for full payment. I havent gotten my truck back from Lendmark nor from whoever they gave it to. Til this day they are still harassing me through my credit. They are still wanting full payments, they are still reporting that Im not paying them. Sometimes they pretend Ive made payment to keep the account going. This account has been closed since XXXX I want my truck back or I want the money they are collecting off of it. I deserve it for the harassment, false claims, for them ruining my credit, pretending to be me and making the account active several times, selling my information and caused me to lose out on purchases or life opportunities. I feel like they should reward me the money they say I owe or clear me of the debt they know I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ XXXX ] XXXX XXXXXXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Complaint Regarding Violation of Fair Credit Reporting Act Dear Sir/Madam, I am writing to express my deep dissatisfaction and concern regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. As a valued customer, I believe it is crucial for financial institutions to adhere to the regulations set forth by the FCRA to protect consumer rights and ensure fair credit practices. 
Under the FCRA, specifically in accordance with U.S.C. 1681 Section 602A, I am entitled to privacy and confidentiality of my credit information. It has come to my attention that XXXX XXXX XXXX has furnished my account information without my written instruction or consent. This action represents a clear violation of my rights as outlined by the FCRA. 

Additionally, U.S.C. 1666B states that a creditor, such as XXXX XXXX XXXX, is prohibited from treating a payment on a credit card account under an open end consumer credit plan as late for any purpose. However, I have noticed that XXXX XXXX XXXX has erroneously reported late payments on my credit card account, even when the payments were made within the specified due date. This not only tarnishes my credit history but also misrepresents my creditworthiness. 

I have always strived to maintain a responsible and timely payment record, and I believe these inaccuracies and violations are entirely unjustified and damaging to my financial reputation. I kindly request that you take immediate action to rectify these issues and ensure that my credit information is accurately reported in compliance with the FCRA. 

In light of the above circumstances, I expect the following actions to be taken promptly : An investigation into the unauthorized disclosure of my account information, as well as the subsequent furnishing of my account details without my written consent. 
Correction of my credit report to reflect accurate and timely payment records, eliminating any unjustified late payment remarks. 
Written confirmation from XXXX XXXXXXXX XXXX  detailing the actions taken to resolve these matters, as well as assurances that such violations will not occur in the future. 
I trust that XXXX XXXX XXXX will handle this matter with the utmost urgency and professionalism. Failure to address these concerns adequately within a reasonable time frame will leave me no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me under the FCRA. 

I sincerely hope that we can resolve this matter amicably and restore the integrity of my credit report. I appreciate your immediate attention to this complaint and look forward to a swift resolution. 

Thank you for your cooperation. 

Yours faithfully, [ XXXX XXXX ] [ XXXX XXXX
Product: Bank account or service

After telling them to stop allowing XXXX load company to stop ACH withdraws and electronic billing withdraws. They continued to allow the company to withdraw from my checking account when they did not have authorization. Causing my account to overdraft from the unauthorized withdraws. Capital one 360 told me XXXX times that they would send an affidavit in XXXX days to resolve the issue.