23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, which is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy - XXXX As a victim of XXXX XXXXXXXX, I have faced numerous challenges, including the accumulation of adverse credit information that resulted from my victimization. I am providing the following documentation to support my request for the removal of such adverse information. 

1. A full copy of my consumer report.

2. A copy of a statement from a victim services organization confirming my status as a victim of XXXXXXXX XXXX 

I kindly ask that you remove all adverse items of information related to any delinquent acts or conduct that occurred as a result of my status as a victim of XXXX XXXX 

These items have had a significant impact on my financial stability and overall well-being, and Their removal is crucial for my ongoing recovery and ability to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened two credit cards fraudulently under my name with XXXX XXXX. 

I called XXXX XXXX and opened a fraud case. XXXX XXXX cancelled these two cards.

On my credit report, I noticed I had 9 recent inquiries that are fraudulent, relating to this incident : 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: Credit reporting or other personal consumer reports

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
, I have included an FTC reort. Please remove IMmediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a missed payment on my credit report from 2017 ; I have never been late.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B.

I discovered an inaccurate late payment record on my XXXXXXXX XXXX account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. " Under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), ''
Product: Vehicle loan or lease

I read about a lawsuit in which Wells Fargo was to pay consumers for wrongfully applying payments and fees etc to auto loan borrowers. I was a customer of Wells Fargo with an auto loan during this time period. I was never contacted by Wells Fargo but if they are-were partaking in such practices I dont understand how my loan wasnt affected if so many others were. I would like my loan to be looked into as well and if they acted unlawfully would like to be compensated as well. Again, if this is what they were doing during that time, I dont see how they werent doing it to my account as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to urgently lodge a complaint against Ally Bank regarding an ongoing issue with my debitcard transactions being declined without proper communication or reason. 

This is the second time this has occurred since I became a customer less than two months ago. On XX/XX/year>, while attempting to purchase a fl ight, my debit card transactions were declined multiple times. At no point did I receive a text or email notification explaining the reason for these declines, which caused significant inconvenience and distress. 

I contacted Ally on XXXX XXXX XXXX XXXX XXXX at via chat and no satisfactory asnwer was privided. On the same day at XXXXXXXX XXXX XXXX, I called Ally Bank seeking further clarification. The customer service agent was unable to assist, so I escalated the matter to a supervisor. The supervisor informed me that several other customers were experiencing similar declines due to " temporary security concerns, '' yet there was no clear explanation of what those concerns entail. 

While I recognize the importance of maintaining security, it is both dangerous andunfair for a financial institution to decline transactions without a valid reason and without communicating what is happening to the consumer. 

This lack of transparency and communicationcreates unnecessary frustration and can lead to serious disruptions in daily fi nancial activities. I urgethe Federal Reserve to investigate this matter immediately and ensure that Ally Bank improves its communication standards regarding transaction declines. 

This issue needs to be resolved withoutfurther delay to prevent further inconveniences for myself and other customers. Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Checking or savings account

I got a call one day saying my account was being closed due to fraud but these numbers on my account dont come from me. I never once was in texas or XXXX XXXX and now i cant open a new account because of this. 

The issue is with Bank of America ACH XX/XX/2019 XXXX {$1500.00} XXXX XXXX Check XX/XX/2019 XXXX XXXX {$13000.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$13000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$2000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$2000.00} Bank of America Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ EQUIFAX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/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. XX/XX/XXXX, XXXX # : XXXX XXXX. XX/XX/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. XX/XX/XXXX, XXXX # : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
Product: Vehicle loan or lease

this company Mercedes Benz Financial Services claims my account is closed, repossed, Full termination/balance owing, past due with a remaining balance of {$6200.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. they have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number, reporting a balance on a reposseed car. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible! 
This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by MERCEDES BENZ FINANCIAL, repossessed in the state of New York, and sold by MERCEDES BENZ FINANCIAL on or about XX/XX/XXXX. Under the laws of New York and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notice from XXXX  saying I had a new inquiry on my credit report, I saw it was from CITIBANK. 

I have NEVER applied for a CITIBANK card! They closed one of my accounts 10 years ago and I refused to do business with them since and DID NOT AUTHORIZE THIS INQUIRY! 

I am currently in the middle of buying a home and this XXXX  up the entire process!
Product: Vehicle loan or lease

I thought i sign agreement document when i purchase auto, Ceas & Desist letter? As i been hurt on job, waiting for unemployment back pay over $ 13k, Stimulas check came late and American Credit Acceptance offer me to pay back payments due in XXXX XXXX about {$1700.00}. and i email Supervisor XXXX XXXX ehere can i drop off car.Since they wanted to much all at once i think it was about XXXX XXXX i ask.But got return email to call but i have no phone service at the moment.I offer about in XXXX XXXX after getting stimulas check $ XXXX.when i had it was refused.Now iam broke again.If ACA would of rifi in my first year like they said they would, when i purchase car with lower rate go from 28. % to 15 % but they never did.Maybe i could pay $ XXXX.amonth tell i get caught up?
Product: Credit card or prepaid card

I had 3 purchases from a 3rd party on my citi card. I called citi to dispute and they took off and today I noticed 2 charges were added back on. I called in and was advised that citi returned the charges back to me because they said the purchase was in my name. I never purchased with third party and I use to like this card but now I will be paying off balance and closing account. Citi clearly doesnt support their customers. How you took off charges of all 3 and then only added back 2?? And say Im responsible for charges??
Product: Payday loan, title loan, or personal loan

I took out a loan in 2018 with First Midwest Bank They transferred my loan to Old National bank I can not get any call backs or appointments The phone hold is over 60 minutes No One is answering and helping me with my concerns This is ridiculous I have been trying for a month NO HELP I need to have someone from Old National bank call me or e mail me or give me a number I do not have to hold for 60 minutes
Product: Debt collection

These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this debi Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

My account was frozen on XXXX ( XX/XX/2024 ) evening. I called and was told to wait for an email. I chatted XXXX different people, XXXX, XXXX, and XXXX are the ones who chatted with me. They all told me they couldn't tell my way my account was frozen and said to wait for an email. I never received an email so I called back twice on XXXX morning ( XX/XX/2024 ) and spoke with XXXX other people including a XXXX who told me he would not help me and he told me not to call back and he hung up on me. I still have no answers and now access to my funds.
Product: Debt collection

I've contacted Prince Parker and Associates on numerous occasion 's in reference to an account that was obtained by them from XXXX XXXX XXXX XXXX. I discussed with the collection agency representative that the address she provided never belonged to me, I have never lived there, and I do not know who opened the account. The representative was not willing to help me at all in getting the account resolved. I even requested an identity theft affidavit to fill and send back to them verifying that the debt was a result of identity theft and they refused. I explained to the representative that I have also sent dispute letters and to no avail had had any response.
Product: Debt collection

I have know knowledge of this dispute for only XXXX unbelieveable
Product: Vehicle loan or lease

I requested the full copy of my loan agreement and ally auto will not send the contract to me. They also don't mail any statements to me so I can go over them for review to make sure everything is in good standing. I believe fraud was done and I need to review the original contract to verify my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$69.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Student loan

My loans were forgiven because I was defrauded by a XXXX  school my loans were forgiven by borrower 's defense back last year XX/XX/year> my loan officer originally was XXXX XXXX  loans it was all One loan it was never separate when it got sold to XXXX that company needs to be shut down completely they separated the loans and it shouldn't have been they separated it into disbursement increments which was like 17 different amounts which completely ruined my credit then they sold my loan to Ed financial and financial never removed XXXX from my credit report so now it looks like I owe over {$30000.00} and I don't my loans have completely been forgiven and these are duplicates I have called both companies to no avail more than 40 times at this point I'm on the verge of a complete XXXX  XXXX  breakdown because this is ruining my life it is stopping me from doing anything and I do mean anything jobs everything these companies are doing this on purpose they know even experience reached out to XXXX and Ed financial and got to run around completely they know that my loans have been forgiven because borrowers defense have called over to them and emailed them more than 37 times this year trying to help me because they know how badly this is affecting my life and my mental health these companies both should be shut down they are committing fraud and they are breaking every Fair crediting act that exists both companies XXXX and Ed financial I do not owe any loans
Product: Credit card

XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.