23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX of XXXX I was notified that XXXXy XXXX XXXX XXXX XXXX of XXXX /Ally Financial ran my credit without my knowledge for a XXXX XXXX XXXX ; I was told by the salesman that I was a Co ' signer for. Unaware of his scheme he used another persons check stubs ( who's name was nowhere on the contract ) and put the car in my name. I am a XXXX patient who is on Social security and cant afford 2 cars ; I was in a XXXX that was currently being financed with them. When I noticed the problem I contacted the dealership multiple times.The salesman always gave me the run around telling me the problem would get handled. After a few months of going back and forth to the dealership ; I was told not to show up anymore or they would call the police.I didnt understand why I was being treated this way. Ive always paid my payments and I was very understanding about the issue and time needed to come to a conclusion. Now I see that my lack of knowledge and my age was being taken advantage of. Time has now past and now the XXXX XXXX is on my credit and I currently was in a wreck and now unable to get another vehicle, because of this incident.
Product: Bank account or service

Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction.
Product: Credit card

Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX  which is evidence of discrimination per the Equal Credit Opportunity Act. 

Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. 

I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. 

Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. 

I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This company has changed the closing date 4 times now. Each time it was something different at the last minute of the deadline. They ordered the Appraisal 1 week before closing, then when a rebuttal was requested they completed it off of an incorrect address delaying the process 3 more days and they always wait till Friday to advise you of something they need. I have been VERY Agile when EWB needed something. While all other parties have worked due diligence in the appropriate time, EWB has dragged their feet and been very sloppy in their diligence. I have moved things wasting money based on information they have provided for me and now I was supposed to close XX/XX/XXXX just needing to sign CD on today, I haven't heard anything from them so I called and now Loan processor tells me something new, that the QC dept has to approve now, when he said a week ago that all was needed was for the UW to sign off on it, so now I haven't received and its COB for me meaning the 3 day period wont be Friday or who knows when being that they won't give me adequate answers. Their negligence has cost me tremendously and having to live out of boxes, my car and severely inconvenienced me, WHAT ARE THEY EVEN GOING TO DO TO RECOMPENSE FOR THE ERRORS THEY KEEP performing? I asked to speak to a manager today, XXXX comes back with a name and number ( XXXX ) that they never answered the phone after several attempts. I need something done immediately, cause if I wasn't in compliance id lose my money. I WANT RESTITUTION,
Product: Money transfer, virtual currency, or money service

Cashapp I was hacked twice double charged I cant even access the account there is no customer service
Product: Credit reporting or other personal consumer reports

Issue is relating to the reporting of status for XXXX XXXX  for report # XXXX. Status is currently be reported as " Petition for XXXX  XXXX Bankruptcy '' which is INCORRECT. 

The correct status of the account is : " Paid in Full/Never Late '' as of XX/XX/2022. 

I have contacted Experian several times and they just update the account comments and not the actual status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take immediate action to remove the fraudulent ACCOUNTS from my credit report as I did not authorize them, and they are causing me a great deal of distress
Product: Money transfer, virtual currency, or money service

I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their XXXX XXXX check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a CHASE account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because XXXX XXXX  took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to delete an remove all invalid data on my credit report with Equifax. this has been an issue that I addressed before. this is my 2nd attempt. these errors have been hurting my file. checking the information listed nothing is corrected. please review an remove all data listed to correct my report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXApple Card GS Bank USA was reporting on my my credit as late when I was never was late.In accordance with the fair credit reporting act XXXX account # XXXXXXXX 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard INQUIRY frome XXXX XXXX I DIDNT RECOGNIZE I THINK DUETO IDENTITY THEFT
Product: Debt collection

Just received a notice stating legal actions would be taken, I called the company stating this was the first notice I received and had not gotten a payment plan option etc. was unable to communicate with the credit card company this was over XXXX and half years ago. Letter date XX/XX/23 received XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.
Product: Debt collection

Im XX/XX/2020 I have been disputing this debt with 3 bureaus for debt validation and verification per FDRC w original Agreement and statements. I have not ever received anything
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit reporting or other personal consumer reports

My complaint is against Equifax for reporting negative information from XXXX. XXXX XXXX. They are in violation of the Fair Credit Reporting Act because they are reporting derogatory information that is 7 years old. By law they are required to remove this information. I am requesting they remove the negative marks they are reporting under my social security number. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to Equifax immediately!
Product: Payday loan, title loan, personal loan, or advance loan

On Tuesday XX/XX/XXXX I reached out to them to see how to resolve payment and they demanded the whole balance due of {$1900.00} by debit card or my XXXX k plan.This morning at around XXXX am I contacted my XXXX and I was told they never heard of this company or are not associated with them
Product: Credit card

Issue number one. Charges made on my Home Depot card. Contact Home Depot was issued a new card. Thought it was an isolated incident and moved on. Issue number 2XXXX received a letter from Best Buy credit services. They informed me that my credit was denied. I did not apply for a Best Buy credit card.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. PORTFOLIO RECOVERY ASSOCIATES , LLC does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX, and date of 1st delinquency as XXXX of XXXX. I have never opened an account with PORTFOLIO REVOVERY ASSOCIATES, LLC. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with Comenity Bank and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, 2020 and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor Comenity Bank and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For Comenity Bank, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a retired military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/year>, I submitted disputes to XXXX, Equifax, and XXXX regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law.

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion. 

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected. 

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above. 

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

FTC REPORT ATTACHED PAY PAL fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX, XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, XXXX, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Product: Debt collection

I contacted the company and told them I dont owe {$1500.00}. Since XXXX  they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.