23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Issue with XXXX. 

They are sending unsecured " contract emails '' which include confidential information in CLEAR TEXT ( no encryption ) which includes : * Bank Account and Routing Number * Full Name * Bank Name and Address This information is highly confidential and should never be sent in plain text in a regular email, this is a breach of trust that they will protect and secure my account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 XXXX took my score down XXXX points and has not returned my points after XXXX XXXX was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent account.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, DISCOVER BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Debt collection

Midland Funding placed a collection account on my credit report and has not contacted me in order to give me the right to dispute or ask for verification of this debt. This is supposed to be done within 5 days of initial communication ( placing this on my credit report is them beginning collection on this supposed debt and is the communication ).
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account : XXXX Account Type : Auto Loan GM Financial has violated my rights and privacy as of 10/11/23 according to 15 U.S.C. 1681a ( 2 ) ( B ) & 15 USC 1666B ( a ) by sharing a personal experience of a late payment on my credit report without my consent or request which is illegal. My credit has dropped XXXX points after years of working hard to maintain and fix my credit.This is directly affecting my business and personal matters. I have reached out to GM Financial to resolve this matter but have been unsuccessful reaching an agent who was willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX / 16  This inquiry was performe d under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Prepaid card

On XX/XX/year> I went into family dollar store on XXXX in XXXX, Indiana. I gave the manager my XXXX XXXX barcode that was generated on my phone in order to load the card. I gave him XXXX in cash. He gave me a receipt and I went home. A couple hours pass and I go to use the card and discover it was never loaded.. I reached out to cash app support and they wont even hear what I have to say. They keep making excuses. Then they flat out refuse to discuss this anymore, I also reached out to family dollar and they cant do anything they said its cash apps fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not handle our situation today XX/XX/2018! My husband and I went into XXXX to get his free credit report. When we got to Experian and got the credit report on our computer, we couldn't read the report, and it wouldn't let us download the copy of the report. You could only print it, and there were too many pages to print. Our ink was already low! We went to one dispute item to select the reason, and tried to attach a document to the item and the site told us to go back to XXXX to start over again due to our time expired! We already didn't like the items they had on our credit report, and for us to go back to the beginning in order for them to charge us for our free credit report is totally insane! We didn't get to obtain the report number so we could go in the website to look at our report! We should track the credit bureaus! It may not always be the reporting companies! We don't want to have to pay for our free annual report! This is just crazy!
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me serious harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX : XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

XXXX XXXX : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.
Product: Payday loan, title loan, or personal loan

I paid this usury interest rate loan off on XX/XX/XXXX ( XXXX ) I have been conducting business with these people since XX/XX/XXXX ... .Flurish/LendUp, XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX Ca . XXXX ... .. I have not received any refund relating to the CFPB settlement or the Ca. Dept of Business Oversight settlement. I have paid these people over {$5000.00} in interest since XX/XX/XXXX. I have tried to discuss the situation with them to no avail.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake portfolio management LLC is the finance company of US AUTO SALES who is under federal investigation for over selling and repossession cars that are paid up westlake portfolio management LLC have something to with the cars being repossessed its not only US Auto sales we as the people dont trusXXXX the company who was backing a company who was over charging and taking people cars. I believe westlake portfolio management LLC had something to do with all what us auto sales are going through I would like for them to be investigated as well
Product: Mortgage

My mortgage is with First United Bank. On XX/XX/XXXX my property taxes were paid from escrow for the amount of {$2500.00}. Property taxes are the only item paid from escrow. On XX/XX/XXXX I had an escrow balance of {$2700.00}. I called First United Bank at XXXX and spoke with XXXX. I notified XXXX of the escrow overage and requested an escrow analysis. XXXX agreed. 
An analysis was done and on XX/XX/XXXX my escrow balance was showing XXXX. On XX/XX/XXXX I spoke with XXXX at First United Bank and I was told that a check was mailed to me on XX/XX/XXXX in the amount of {$2100.00} and I should receive that in ten business days. I did not receive it. On XX/XX/XXXX I spoke with XXXX at First United Bank. He said I should receive the check within 15 business days. I asked XXXX where they cut the checks and was told XXXX Texas. XXXX is a XXXX XXXX XXXX for me. I suggested that they could cut a check there and I would pick it up at the bank in XXXX. XXXX replied, they do not allow that. On XX/XX/XXXX, I still had not received a check in the mail so I called again and spoke to XXXX. At first XXXX couldn't even find any information on my escrow other than the current balance. I had to inform XXXX of the entire situation and everything I've been through and then she located the information. She said I should have had the check within 10 days. She suggested to stop pay on the check and mail another. Ok, the mail again... no. she then suggested a stop pay and I could give her my banking information and they would do an ACH deposit. I do not trust them with my banking information so that was declined. I said that I would be willing to pick up a check at the XXXX Texas location as this is 10 minutes from me. Again, I was told they do not allow that. At this point, I don't believe they have even mailed a check. They mail a monthly statement to my home and I get those every month. How does that happen? If I don't make my payment on the XXXX of the month, they are calling me and asking why I haven't made my payment and not nice about it either. The calls continue until I've made my payment. Now, I'm still waiting to receive my Federally regulated overage of my escrow in a timely manner and I believe it's delay, delay, delay, with them.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer in a timely manner. Capital one has cited technical issues which may violate the Electronic Finds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure consumer rights are upheld. Thank you.
Product: Debt collection

I contacted a representative on XX/XX/XXXX as I was locked out of my account. At that time it was discovered that my account was compromised and someone had taken out a loan for a virtual XXXX XXXX  for {$1800.00} ( {$2100.00} with interest ) On XX/XX/XXXX, the phone number and email associated with my account was changed and a loan was taken out. I have been an Affirm customer on other loans for over 5 years - all that time with the same phone number. Someone changed my number and took out a loan. Its pretty simple to see it was not me. I have called every week since XX/XX/XXXX and nothing has been resolved. I keep being told that it is in an investigation department but an email I received on XX/XX/XXXX said it would be resolved in 3-5 business days ; it has now been almost 60 days from my first complaint and nothings been done. I work for XXXX XXXX and can not have any negative items on my credit so I have been forced to pay {$170.00} a month on this loan I did not take out. I have mailed a letter from IdentityTheft.gov informing Affirm officially of my identity theft, I have emailed Affirm 's customer service with no response and called every week and keep being told sorry we're still investigating it all while I'm still being held responsible for the payment. Affirm is not doing their due diligence to correct this situation.
Product: Student loan

My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help me.
Product: Debt collection

My car was stolen in I believe it was XXXX. The towing agency did not notify me until 4 days after they towed the car to there garage. So when I talked to them on the XXXX day after the towing they told me it was {$150.00} a work day, plus $ XXXX mile to tow the vehicle. So in which case it was {$470.00} to get my car out that day. But that day was XXXX. Which is a national holiday. And the XXXX Said the cost would go up for those XXXX days XXXX and XXXX. Although they were XXXX national holidays which in law states it is illegal for them to work. So they told me another {$300.00} it was going to be to pick up the car. I had offered them to give them the title of the car and they did not take the offer. The car was worth {$2000.00}. They did n't want to take it. I do not understand any of this. I tried to work with them but they did not want to work with me. I am also on parole so I can not leave XXXX miles from my home or go out of the county. I am in XXXX XXXX XXXX. The only reason I go out is because of my work I did. So since I did not have my car I could not go to work and so forth I was fired. So I could not make enough money to pay the towing company for what was an outragerous debt. Of {$770.00} for 6 days of being in there garage. So now the result is they put a lien on my car and sold my car at an auctiom, and I now still owe them {$2100.00} which the maximum amount they told me was {$2000.00}.
Product: Checking or savings account

We ( XXXX XXXX XXXXmyself and XXXX XXXX XXXX my daughter ) opened two separate saving accounts with Citi Bank via phone ( last week of XX/XX/XXXX ). We instructed Citi Bank to withdraw {$50000.00} each from our joint account at XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Note that we had sufficient funds ( $ XXXX ) to process this transaction. ( we have sent the proof to Citi Bank ). Citi bank sent two requests to our bank XXXX to transfer $ XXXX each to our new account. XXXX told us that Citi sent two duplicate requests. ( The request came to two counts of $ XXXX each to transfer to Citi bank in the name of XXXX XXXX. Citi should have sent two requests $ XXXX each one for XXXX XXXX and one for XXXX XXXX ). Since it was duplicate request, XXXX rejected one of the request and transferred $ XXXX to Citi bank. XXXX sent $ XXXX in the name of XXXX XXXX. Citi Bank credited $ XXXX to XXXX XXXX 's account, instead of XXXX XXXX 's account. Citi bank sent us a letter that my account ( XXXX XXXX XXXX is closed because of a fraudant activity ( XX/XX/XXXX ). On XX/XX/XXXX I deposited $ XXXX to my Citi account. It has been more than 4 months, I sent numerous emails to Citi bank to let me know what the reason of closing my account and refund the money. So far Citi bank hasn't sent me the details of the issue and also hasn't refunded money ( $ XXXX ). 
The issues are : 1. Citi bank credited $ XXXX to the wrong account ( the money should have been gone to XXXX XXXX 's account, not XXXX XXXX 's account ) 2. There is no reason that Citi bank should closed my account, as I had sufficient cash to fund 2 new account $ XXXX each. It was Citi Bank 's mistake to send a duplicate request. 3. Even after closing the account, Citi bank hasn't refunded the money back to me. 4. Citi bank should send me details why $ XXXX was deposited to XXXX XXXX 's account, not the XXXX XXXX 's account. 5. I opened this account in response to Citi bank 's reward program. Since it is Citi Bank 's mistake, Citi bank should still credit this award to me, along with refunding $ XXXX and the closing balance. 6. A penalty should be imposed to Citi bank, causing this mistake and wasting their client 's time and efforts and not refunding the money back to the client in a timely manner. 
I have sufficient documentation to support above details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REPEATING THIS IS NOT A DUPLICATE THIS IS A DIFFERENT ISSUE CONCERNING THE PREVIOUS ISSUES, AND LABELING THIS AS A DUPLICATE, WILL CAUSE ME TO FURTHER ACTION IN THE FORM OF A LAWSUIT IF NOT REMEDIED CORRECTLY ; I had opened a case with you all previously to try to rectify this matter and yet Transunion only partial did some type of work for previous case # XXXX, The company called XXXX XXXX for over a year has been report Bankruptcy on my credit report, which was totally false and Transunion did not verify the information and posted on my account which created a huge dang in my credit. This was not re investigated properly till after I attached information from the XXXX  system and XXXX XXXX XXXX after complaining 3 times in reference to this matter and yet Transunion is still reporting XXXX information and reporting after this company clearly shows they are lying by reporting inaccurate things to my credit report ( Bankruptcy ). Transunion need to remove this account completely they are breaking several laws. Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, you contacted us via telephone and investigations were initiated. In the interim of your investigations, we received your CFPB Complaint. As a result of the investigation, XXXX XX/XX/XXXX# XXXX removed the bankruptcy status and added the charge-off status with a balance of {$760.00}. The closed date was updated from XX/XX/XXXX to XX/XX/XXXX and estimated deletion date from XX/XX/XXXX to XX/XX/XXXX. So you telling me after Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character This needs to be completely removed and credit corrected or I will not hesitate to sue and I have all the information to do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt for car insurance for a car that I do not own and never have. I own one car and it has been insured with XXXX for years. I have disputed the debt and they are still trying to collect money from me. The VA DMV can prove that I have never own the car that they allege was insured by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access Equifax at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to domestic XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit card or prepaid card

On XXXX XXXX I applied and was approved for an American Express Delta Gold card through a link that offered XXXX reward points if I spent {$1000.00} within 3 months. I spent {$1000.00} within the first 3 weeks and have been waiting for a few weeks to have the bonus points loaded to my Delta account. Today I called Amex to see why there was a delay they said there is no bonus listed on my account and the gentleman I spoke with said hed file a report. The issue is Ive already been waiting a while and need to book a specific flight and he told me the team that investigates take 6-8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}