23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

According with those criminals and looter organizer is a crime to make public there criminal activity done illegal and fraudulent inside your property in a top secret close door act If this is no enough evidence that destroying the credibility of ownership in USA is consider what? Those criminal ca lie until we meet in criminal court After it we close the door and put those criminals in prison for looting property where a owner has no financial obligation. I will never stop looters count on it until I drain your filthy face of looting and criminal activity in USA, How long those criminals continue to lie We will meet in criminal court and federal court soon count in it XXXX  and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter I XXXX to put back inside my property all stolen items before we meet in criminal courts.????
Product: Debt collection

I made a complaint a month ago regarding this credit card since I though it was part of a previous bankruptcy. I contacted the agency and arrange the payment and paid it off. I need this credit card to be removed from all my credit reports since I have fully paid the debt after talking to the debt collector, we settle for an amount. I have included the letter from the debt collector and the funds that left my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian credit, i have a fraud alert on my report and no phone number for vendors to call me to verify my application. My credit is been hard hit by XXXX 2 times on the XXXX and XX/XX/XXXX because of this, today XX/XX/XXXX i tried to open a bank account and same problems. 

From XXXX i call them and they said i have to fill out form online, they online process do no work, i had to print it and mail which i did on XXXX up to now its not done, i have called then XXXX times in the last XXXX week and still the problem not fix.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$650.00}.
Product: Credit card or prepaid card

Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I purchased a vehicle from a Hyundai Dealership in Maryland. I initially was going with Hyundai Motor Finance ( HMF ) for the loan. However, I chose to go with a different financial institution. Toward the end of 2019, I began receiving statements from HMF which I took as an error. I then began receiving notifications from XXXX  that HMF reported that I was 60-120 days past due on the payment on a loan I never had. I contacted XXXX  twice to dispute these charges. The first time XXXX  did not find in my favor which baffles me as I provide all the information required. Furthermore, if they looked at the VIN numbers for the XXXX  XXXX Loan and the reported HMF Loan as I suggested, they would have seen that the numbers were the same. Therefore, that should have alerted XXXX  that there was an issue. When a consumer has to go through what I have been through because of these large companies, it does not give the consumer much faith in the creditors. 

I contacted HMF but I was only able to speak with the collections department. The first person I spoke with was very rude and told me to contact the credit bureau to straighten it out. I called again and spoke to someone else in collections and they recorded the situation and said she was escalating it to another department. The " other '' department was then going to call me to rectify the problem. Needless to say, I never received a call. 

I then contacted the Hyundai Dealership management and the general manager and finance director also made several attempts to rectify the situation as well but did not get far with the Hyundai XXXX. The XXXX even told the finance manager that I would receive an AUD number that could be shared with creditors. The AUD number was to inform the creditors that there was inaccurate information ( I believe ). I never received this information either. The dealership provided me with a timeline of their communication to HMF about not funding the loan. The timeline began back in early XX/XX/2019. There was additional talk about a check being sent to me from HMF, which was never the case.

The fact is HMF processed a loan in my name on this vehicle that was already financed through another financial institution. HMF has falsely reported statements to the credit bureaus. HMF has caused me stress and anxiety and increased XXXX episodes. HMF has caused my credit score to take a huge hit and reduced my credit worthiness significantly. 

Ive recently received a letter from HMF stating my account had been reviewed ( my second request ) and found that there was an error and an update would be sent to the credit bureaus in 30 to 60 days for the corrected information to reflect on my credit report. It took them one day to damage my credit and I dont feel it is fair to allow a company to place false reports and just walk away without some repercussions. They're actions had an adverse reaction to my livelihood and HMF shouldn't be able to say oops and walk away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX ACCOUNT # XXXX.The information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit profile, Ill be listing the items that I need deleted to assure accurate credit reporting only on my profile as I have been a victim of Identity theft. There are multiple accounts and inquiries I did not apply for. I have reported all of this to the FTC. I would like these items removed from my credit profile as soon as possible. 

Fradulent Accounts : XXXXXXXX XXXX XXXX Fradulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

There are a number of fraudulent hard inquiries on my account for the following two companies : XXXX XXXX and SYNCB/AMAZON XXXX . These inquiries were not initiated by me and should be considered fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had a pending investigation for months on end. I can't start a new investigation or pull reports because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.
Product: Mortgage

Since XXXX, I have continued to communicate with Freedom Mortgage about my hardship. The first representative gave me directions to submit documentation and I fulfilled this process. When I called to have a follow up, the associate would advise that the previous associate did not advise me correctly. This occurred at least XXXX  times. I advised them that there has been a serious reduction in the household income and we need some type of assistance. When I first obtained my loan, I was advised from the loan officer this loan is a government fha backed loan and in times of hardship options would be available. Is this true or did the loan officer lie? 

Freedom mortgage has created substantial work that seems un-necessary and caused additional hardship by delaying the process longer than one could imagine. I've have had to take on additional debt to pay the mortgage due to the lack of communication from freedom mortgage and my options which has caused more interest being paid due to their incomitance. 

Freedom mortgage has made our hardship extremely difficult in the last XXXX  months. I feel they lack sufficient knowledge in the contact center and the representatives handling the emails as it relates to hardship solutions and commit to the follow up. 

I do not blame Freedom mortgage for my hardship, I blame Freedom Mortgage for amplifying my existing hardship by dragging more time than necessary and creating false excuses that are due to lack of knowledge within the organizations staff.
Product: Credit card

My credit card and associated rewards card have an auto insurance feature for rental cars. It's supposed to cover deductibles for damage ( theft, vandalism, accidents, etc ) that otherwise would not be covered under normal auto insurance. I don't need to buy additional insurance for a rental car at the point of pickup because of this extra coverage. My rental car was vandalized ( {$500.00} of damage ) and property was stolen ( value roughly {$4000.00} ). My claim for {$500.00} was denied due to a provision in the contract ( the fine print ) that limits the rental period to 15 days. The auto break-in occurred on day 16 of an 18 day rental.
Product: Credit reporting or other personal consumer reports

This is not my Debt I am a victim of identity theft since XXXX I have been trying to resolve this manner with the company and creditor
Product: Vehicle loan or lease

XX/XX/2021 this this vehicle was in a car accident and was totaled and I was not aware of this showing up on my credit report as an repossess when this car was totaled due to an accident. How can you put repossession on my credit report when this car was totaled due till a car accident. This is really stop me from purchasing a vehicle because its showing up as an repossession on my credit report when car dealerships is pull my credit when this vehicle were totaled two yrs ago and my insurance paid this car off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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: Checking or savings account

On my XXXX birthday, XX/XX/2019, Charles Schwab Bank called me and told me that they were going to close all of my accounts. This included my retirement account, my brokerage account, and my checking account which all have always been in perfect standing. I have always maintained a very healthy balance for many years, as soon as I was able to open a bank account. They would not give me any reason nor allow me to justify why they shouldn't close my account. This has put me through incredible hardship as a XXXX year old understanding and navigating the financial space.
Product: Money transfer, virtual currency, or money service

Summary : On multiple occasions, customer ( s ) of Cash App/Square Inc. used electronic funds transfers to receive the proceeds of fraudulent transactions via their Cash App/XXXX XXXX accounts. Upon attempting to reverse the transfers, the reversals were blocked. Cash App has ignored my formal written dispute -- it has been over 10 days with no response or provisional reversal of the transactions, a violation of the Electronic Funds Transfer Act. 

Background Despite a phone call to XXXX XXXX ( the bank whose routing/account numbers were used to receive the EFTs ) on XX/XX/2021 as well as attempting to call Cash App, no action was taken to reverse the fraud, or to stop the pending fraudulent transactions. I am not a customer of Cash App, or Square Inc., or XXXX XXXX. Calling the Cash App support number at XXXX XXXX Time on XX/XX/XXXX resulted in an automated recording that declared that it was after business hours, however, no business hours were provided, nor any alternatives to contact Cash App other than signing into the Cash App account. As I dont have an account, that was a useless suggestion. I also reached out via the official Cash App XXXX account and received no response. 

Under the EFTA, in the event of an unauthorized transfer, provided that notification is provided to the financial institution within 60 days, there is no liability for the consumer. Despite repeated attempts to contact Cash App/Square Inc., the day the unauthorized activity was discovered and ongoing, issue was ignored. I also sent a letter to Cash App/Square Inc. detailing the transactions, including specific amounts, dates, and account numbers. 

Under the EFTA, they are required to complete an investigation into this matter within 10 business days and the error must be corrected within one business day after determining that an error has occurred. Cash App/Square Inc. has not responded at all, nor has any provisional credit been issued as required by the EFTA. 

According to the law, I am not liable for fraud. Also, there has been a significant amount of time and frustration in attempting to resolve this matter, including lost days at work. The lack of a phone number or contact information for the Cash App/Square Inc. fraud team is significantly negligent since there were transactions that happened even after I attempted to contact both Square Inc. and XXXX XXXX. The XXXX XXXX representative literally had no concern that there was active fraud occurring. She informed me to contact Cash App. And contacting Cash App was literally impossible since Im not a cash app customer and your phone number is useless. Obfuscating access to support is a significant issue. 


Attached is a PDF of the relevant transactions.
Product: Consumer Loan

This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. 
They also refuse to come get the car even though it is too late. Please help! Thank you! 

Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.