23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The XXXX XXXX XXXX has committed securities Fraud, violated my consumer rights as well as, violating the Consumer Rights Act, Federal Reserve Act, The Security Exchange Act and, The Truth in Lending Act, etc Please refer to the attached documents for full details on the stolen securities as well as the Security Exchange Act violation, consumer violations, etc.

I intend to bring federal claims for these violations, I have offered correspondence to the company but, the company is not taking this serious at all, I can provide the derogatory response from WELLS FARGO COMPANY upon request.

This company is in difference with my position so I don't intend to play games with this financial institution, I reviewed what happened during Wells Fargo class action DATA BREACH LAWSUIT, the wells Fargo financial institution agent as well as their legal team is belligerent and non-compliant, I don't wish to experience this so, I am going straight to Federal District Court bringing claim of Securities Fraud, Consumer Rights Violations, T.I.L.A Violations etc.

I have yet to receive an answer to my correspondence about my stolen securities i have already received a response from a XXXX XXXX on XX/XX/year> noting receipt of my Notice but XXXX response to the matter. 

I sent the Notice to this XXXX XXXX and they received and signed for it on XX/XX/year>, today is the XXXX XXXX XXXX as you can see XXXX weeks have passed and no answer from the company. 
i alresdy know this company is stealing from me, I have all proofs and documented evidence and, I have provided this proof to the Financial Institution and all regulatory authorities so, I am proceeding with my Federal Claims in Federal District Court then the Supreme Court of The United States we will public since this seems like a joking matter to The Wells Fargo Company, any delays are unacceptable, I didn't shock this financial company and its agents with this claim, THEY ARE VERY AWARE THAT THIS IS NORMAL OPERATION AT WELLS FARGO, so It matters not how long this company takes to respond to my correspondence, tHE FRAUD HAD ALREADY BEEN COMMITTED, the fraud was committed when Wells Fargo and company denied me ( the consumer ) my right to extend my consumer credit, then again by your company claiming to be the original issuer of the note, then again when your company sent my note with its ACCOUNTS RECIEVABLE to the Federal and told the Board of Governors that I gave my securities to your company as a gift, LIES AND DECEPTION so therefore I am bringing claim in federal district court against WELLS FARGO & COMPANY and its agents.
Product: Debt collection

Please provide the initial XXXX Tracking Numbers for all the initial dunning letters that Credit Collection Services sent to me before listing all these accounts on my credit reports. Please provide proof outside of the statement " Nothing came back in the mail. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Trans Union credit history this year and saw there is an account reported as previously-delinquent by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). There is no balance reporting as the account was transferred, and it has been more than 7 years since the date of original delinquency. However, it continues to remain on my credit history since apparently XXXX XXXX XXXX  reported no date of original delinquency. 
I have attempted to dispute the account with TransUnion and it continues to come back as accurate, with no changes. TransUnion has a responsibility to make a reasonable investigation into these disputes, yet instead just updates the same missing/inaccurate information. I have no idea how Trans Union accepts verification of an account which is missing any reported date of original delinquency. So, instead of dropping off my report in the allotted time like it 's supposed to, it remains reporting.
Product: Vehicle loan or lease

In XXXX of 2020 I went to XXXX  XXXX  XXXX  in XXXX XXXX, Iowa to trade in my car. The deal went fine. I was happy with my purchase and the terms that I received. Fast forward to XXXX of this year I tried to apply for a loan to buy a house. I was told my debt to income was too high. ( My only debt is this vehicle loan ). The loan officer wondered how I got such a high auto loan based on my income. So I contacted Kia financial, the loan company that approved me, and asked the details of my loan application. They said my income on the application was for {$58.00}, XXX/year. I had told my sales person the day of the purchase that my income was around {$24000.00}. I also mentioned to 3 separate employees that my first priority was to be able to buy a house and if purchasing a vehicle was going to effect it that I didnt want to trade in my car just yet. They said it would be fine. I signed the paper work and no where did I ever see what my stated income was on any of the paperwork. They did not ask for proof of income. Also, I knew these employees since my ex-husband had been employed at XXXX years before. 
When I contacted Kia finance company to explain the situation they said I should contact XXXX directly. I called the store manager to report the problem and was passed of to the finance manager that basically just said they dont know how the incorrect income got on my loan application. Ive already filed a complaint with the XXXX. XXXX  didnt agree to what I was asking for as a resolution, which was to admit a mistake was made, buy back the vehicle and put me in a car that is better suited to my income. That complaint case has been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Product: Credit reporting or other personal consumer reports

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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Money transfer, virtual currency, or money service

I received a text message about a charge on my account from Florida - I live in Wisconsin. I responded " no ''. Someone then called me from my bank ( Discover ) and asked me about XXXX payments I had made, which I confirmed ; they asked for some details ( the last XXXX of my social and my mother 's maiden name ). As I was talking to them, XXXX money transfers were made ( {$33000.00} and {$10000.00} ). They asked me to sign an affidavit ( attached ) and set up a fake appointment for the following day. 

When I called back the next day, no one knew about the appointment, and the money was gone. 

Now, by accident, my employer sent my salary payment to the Discover bank, and I had to make a money transfer to my new checking account. Now, I had to speak to a third person who required a copy of my driver 's license and a selfie. 

How did the previous money transfer get made, and then Discover implemented a new policy that would have stopped the first XXXX transfers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a vendor charge with my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. The issue was resolved quickly before the next billing cycle, however XXXX erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from Equifax via the annual credit report process. The remark is still on my credit report, I called XXXX they said it shouldn't be and suggest I file a compliant with Equifax to get it investigated. Equifax did not make the changes, because they did not receive documentation from XXXX regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both Equifax and XXXX on XXXX over this issue. I also obtained the email address of XXXX 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax notified me that they had checked into my complaint that a credit collection appeared in my Equifax report that was not mine. They found that it was mine after reinvestigating. The collection amount is XXXX. 

The collection was from XXXX  XXXX XXXX  now know as XXXX XXXX XXXX in XXXX, Florida. I live in XXXX, NC and have not been to this part of Florida in 25 years. The bill up for collection was for a XXXX XXXX born in XXXX. I was born in XXXX. I have never seen the XXXX Hospital or Dr. XXXX or the XXXX XXXX XXXX.. I found a number for XXXX XXXX XXXX online, they gave me the number for XXXX XXXX XXXX who does billing for XXXX XXXX XXXX  XXXX. 

I found out all of the above in less than 15 minutes on the phone. Equifax did not reinvestigate anything.
Product: Credit reporting or other personal consumer reports

The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, XXXX, and Equifax. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.
Product: Credit reporting or other personal consumer reports

Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither XXXX, transunion, or XXXX nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that Transunion, XXXX, XXXX and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding late payment notations on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries may result from creditor errors or noncompliance with federal laws, including the Truth in Lending Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( FCRA ). Im requesting a thorough investigation to verify that creditors provided proper billing statements and notices as required by law. If compliance can not be substantiated, these entries must be removed from my credit report.

The presence of these late payments has severely impacted my credit standing. I urge the CFPB to act swiftly to investigate this matter and ensure my rights as a consumer are upheld. Please confirm receipt of this complaint and provide a resolution within 30 days.
Product: Debt collection

To whom it may concern, I looked through my credit report earlier last month and found a few items that I felt needed to be verified. I sent Portfolio Recovery verification letters by certified mail with a signature return. The letters were received by Portfolio Recovery onXX/XX/XXXX. When I looked at my XXXX XXXX   Credit Monitoring onXX/XX/XXXXit said that Portfolio Recovery had updated XXXX. Portfolio Recovery updated XXXX onXX/XX/XXXX twice, there are two accounts. It also updated XXXX onXX/XX/XXXX twice. Can they update an unvalidated account four times like that? I thought they needed to send me the validation I requested first. XXXX XXXX reports " meets FCRA. '' That can not be true when I have disputed with all three credit bureaus as well as Portfolio Recovery and received no answer as of XX/XX/XXXX. My credit bureau disputes were received at the beginning of XX/XX/XXXXby all three and are documented with certified mail, a signature return and the USPS website with what delivery date is.

Portfolio Recovery had previously updated my credit reports on XX/XX/XXXX

I included a screenshot of the letter that I sent Portfolio Recovery and I also have dated documents ( Certified Mail with Signature Return ) for when they received my asking for validation of debt.
Product: Prepaid card

On XX/XX/year> my card was stolen and used by someone I did not authorized. I submitted supporting documents and police report to Venmo. Venmo declined my claim for {$130.00} and {$160.00} from target but approved my transaction for {$40.00} which was part of this claim. If this was made by me then why would they approve the {$40.00} and not decline it. The person who stoled my card tried to use it multiple times. I am not sure why Venmo did not realize that when doing there investigations. This is not acceptable and needs to be reviewed by the consumer affairs as us Venmo customers have been declined and investigations have been conducted poorly.
Product: Vehicle loan or lease

In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to. 
VIN # XXXX
Product: Credit reporting or other personal consumer reports

I am filing to formally file a complaint against XXXX XXXX for their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/2020 TXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

My father, XXXX XXXX, passed away in XX/XX/XXXX and had/has accounts with Chase Bank. Prior to passing he added myself and my brother as beneficiaries to his account to make things easier for us as he was battling XXXX and knew he did not have much time left. Chase is now refusing to release his funds due to a mistake they made when adding my brother as one of the beneficiaries. They released half the money to me on XX/XX/XXXX since I was apparently added correctly. They refuse to release the other half to me or my brother so that we can close these accounts out. Most recently my brother went into a local branch on XX/XX/XXXX to try to resolve the issue after not hearing back from the branch manager for 2 weeks - the response was " you should have received a call '' which seems very unprofessional - but they were unwilling to resolve the issue. We can not get a straight answer on how to resolve the issue so apparently they plan to keep the money. Obviously with my father being deceased he can not go into a branch to fix this issue. This is extremely frustrating and all we want to do is to close out the accounts - we provided the death certificate which clearly lists my brother as his son, so it makes zero sense why he is not able to withdraw the remainder of the funds. This is obviously a painful time in our lives and Chase is just compounding this by refusing to help in any way or provide a path toward resolution. Each person we speak to provides a different answer and keeps referring to their Legal department but the " answers '' keep changing and have provided zero resolution. All we want to do is to withdrawal the money and close the account so that we can move forward but Chase is keeping that money - the actions of Chase Bank are very dishonest and seem to be illegal.
Product: Credit reporting or other personal consumer reports

My moving truck was stolen My identity and name have been used fraudulently Police reports court documents as I am seeking prosecution- holding back for me a mortgage loan rapid rescore - XXXX removed XXXX removed - Experian has not It is making me not be able to get a first time homebuyer down payment assistance- XXXX points- police reports court documents of prosecuting individuals and listed in court documents what they did Not fair I need this removed now- It is not my acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided the credit bureau with a standard form letter that the debt was mine. XXXX provided no credit application, no signed contract, and no credit inquiries. XXXX provided a response that simply stated the debt is validated with none of my PII information attached. XXXX through the original debtor, XXXX, has created a fraudulent debt. The credit bureau did not verify that this debt is valid.