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

I have a severe brutal case of identity theft. I lost all email access to my email accounts. Being. Locked out repeatedly 30 days at a time. I would have never stopped working on my right to privacy and fair business practices and my rights to equal opportunity. Which have all been violated. I have no correspondence from Wells Fargo that I have two accounts that are open for criminal activity. Had I not initiated the investigation to correct my information by visiting a Wells Fargo branch in XXXX Georgia. On XXXX XXXX I visited a Wells Fargo branch in person to find out there are accounts with my daughter social security number and my name and birthdate and address. All the while I was never made aware that there were any suspicious activity going on for years. All while denial of applications and deceptively adding on unauthorized fraud XXXX product, XXXX XXXX  to cause me to end up loosing my vehicle and everything I worked hard for to end up with nothing. Its XX/XX/XXXX XXXX I wonder why and how long I can be judged based on identity fraud impersonation to go unquestioned?!?!? The case investigation is attached. Also, its really disturbing to be denied my rights to privacy and no platform to protect the customers. I dont know if I can trust that Wells Fargo will do the right thing! Im XXXX XXXX  and I dont want to bring XXXX into this but I cant be dishonest about my rights are being violated because of my XXXX  There is no other explanation for this behavior and its being ignored.
Product: Credit reporting

please refer to case # XXXX with regards to a brief history and enclosed documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant XXXX XXXX XXXX. I the consumer never gave XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report which is a direct violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has used abusive practices violating my privacy pursuant XXXX XXXX XXXX ( a ). XXXX XXXX XXXX XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming the chances of me purchasing a home. Pursuant FCRA XXXX XXXX XXXX ( XXXX ). XXXX XXXX used profane language in my consumer report pursuant XXXX XXXX XXXX ( XXXX ). XXXX XXXX has repeatedly knowing and willfully violated my consumer rights protected by FDCPA XXXX FCRA. You will be held criminally liable pursuant XXXX XXXX XXXX and civilly liable for all violations XXXX XXXX XXXX. Attached to this letter is labeled as Exhibit A shows proof of these violations. Also attached is an invoice for violating my federally protected consumer rights which is to be paid by check. Also as my remedy I demand reversal of late payments from all my consumer reports, from all consumer reporting agencies and an increased credit limit of {$2000.00}.
Product: Credit card or prepaid card

Debit Card was lost and XXXX XXXX has not protected my rights under lost debit card with the XXXX policy. Under Dispute Case XXXX
Product: Credit card or prepaid card

In XX/XX/2019 I have opened a dispute with the bank against XXXX XXXX XXXX in XXXX, XXXX for a trip to XXXX paid for on XX/XX/2019. 
The company 's representative cancelled our tour participation while in XXXX as retaliation for bringing up an illegal practice of selling the health supplements as medical treatment with supposed authorization by the US FDA. The dispute was documented in detail including a statement from the FDA in a 14 page fax sent to Capitol One and confirmed received. 
Subsequently the Capital One issued a credit and then check in the amount of the dispute. 
Today I received a letter from Capital One stating that there will be a charge back as the company forwarded a merchant 's statement about the merchant 's cancellation policy regardless of fact that the merchant 's representative cancelled our tour and not us. Subsequently I authorized my husband XXXX XXXX to speak to Capital One dispute dept and my husband was informed that the Capital One didn't even bother to analyze any info sent to the bank by me in XXXX and the notice with charge back was sent out automatically upon receipt of merchant 's response without any analytical input or review of documentation provided prior to this decision. 
It is apparent that the Capital One dispute dept process is fake and actually nobody has read provided documentation and evidence ( this fact was actually acknowledged by the employee XXXX in XXXX, FL service center ) It is apparent that the Capital One 's process is to automatically close the dispute and re-bill the account without any type of analysis or even comprehension of the response determined by submitted docs and evidence. This not only shows bias against the customer using the card that didn't receive the service paid for but it shows the Capital One is aiding and abetting fraudulent activity by the merchant. 
The only excuse and justification for this state of affairs given was that this is an automated system which both defies logic and a common sense. 
It is also very deceptive as it appears that the bank is interested in getting the customer involved in prolonged and long process of dispute in bad faith as it has no intention to either analyze the info provided and provide a determination of the outcome of the case based on documents and evidence provided. 

Two questions : 1 ) why the dispute system is designed this way and what is the percentage of disputes that are determined in favor of cardmembers vs the merchants? 
2 ) what are the employees that have dealt with my complaint ( please provide employee numbers as I want to determine the case flow and who actually made a decision in the process in what time. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called carmax auto finance regarding when my account would be reported late to the XXXX they told me if I didn't make my payment by XXXX of XXXX by midnight it would report as 30 days late. 

However I check my credit it was already reported late on my credit I wasn't able to refinance my car due too 30 days incorrect information showing on my credit report which XXXX didn't adherence to FCRA by report inaccurate information to the XXXX THAT cause a decline for reporting negative information
Product: Debt collection

CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped
Product: Debt collection

am XXXX XXXX XXXX. 

Due to a XXXX  XXXX recently I could no longer work and was placed on Long Term XXXX XXXX XXXX XXXX XXXXXXXX who referred my claim to a fraudulent company named XXXX who was supposed to help me build an XXXX  claim, however I learned that XXXX only wanted my award money from Social security if awarded XXXX. When I learned this I removed XXXX from representing myself in my Social Security XXXX determination for fraudulently representing me. XXXX and Brown & Joseph debt collection agency are working together to fraudulently force me to pay {$10000.00} in a surprise corrupt overpayment fee for their health insurance services when awarded social security XXXX insurance funds. XXXX has stolen {$3100.00} of my award money from the federal government XXXX Award recently issued to me by the XXXX, VA Social Security office who has not protected me. 

I reported this to the FTC hoping XXXX, XXXX, and Brown & Joseph will not retaliate against me. 

I am requesting the agency to defend me as a U.S. citizen with health challenges. I would like the agency to exonerate me of this {$10000.00} obligation. 

I really need your help and for you to intervene on my behalf to bring justice for me as I battle this severe health condition and the XXXX  processes. 

Thank you for any and all assistance and attention in this matter. 

They just filed and charge me for another XXXX XXXX dollars this past week
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a XXXX XXXX XXXX.
Product: Credit card

Ive been with capital one 7+ years. I lost my job and started paying less that the whole amount. My interest went from 14 % interest to just under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a past due amount on the XXXX partial account number XXXXXXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I tried creating a dispute about an extra charge at a hotel for a service that I had already paid for and the dispute representative for Chase refused to open a dispute because she said it would costs Chase money to open that dispute and they would prefer to just not open it on their end and rather claim there is no dispute. 

The process of dispute resolutions at Chase is a joke and nothing like the process at XXXX or XXXX or any other bank which at least makes a good faith effort to resolve the issue. The process has been outsourced to the XXXX with a mandate to create as few disputes as possible.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and ran up multiple thousands of dollars on my accounts. I settled all the other accounts no problem and had them remove the fraud, XXXX XXXX card refuses to remedy the situation and will not contact me in regards to it. I filed a fraud report with the government and have proof of that. My credit has dropped over XXXX pts due to this and it is severely affecting my mental health.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I spoke with a XXXX XXXX who claimed to be the owner of a property that I was interested in. After going to the property and touring it I was interested in applying for it so he gave the information needed to apply and informed me that once I pay the deposit he would take the house off the market. On XX/XX/XXXX I Zelled {$1700.00} to his account as he requested and signed a lease stating that I was now a tenant at his property. Later that evening I received an email from the rental site he used stating that the property he advertised was listed as fraud. I immediately contacted Wells Fargo to let them know I was a victim of a rental scam and they started a claim which was concluded on XX/XX/XXXX that because I chose to send the money it is accurate and that the claim was closed. After speaking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX department to make sure that I add my case ID to my claim. I even filed a case with the FBI due to this matter.
Product: Debt collection

Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 via certified mail. It is now XX/XX/2018 and I have yet to receive back sufficient validation of that was requested to verify this alleged debt. The FCRA gives the company 30 days to respond and after this time had passed, the company sent directly to my address a copy of billing statement. According to FDCPA, this is NOT sufficient validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wilshire Consumer Credit over 6 times and I have sent XXXX emails. I have disputed this acct on XXXX twice. I have even supplied XXXX with the payoff letter. This acct as of today XX/XX/XXXX still has a balance and once again my XXXX dispute was not in my favor. The company states I still have a balance. This was paid off in XX/XX/XXXX.
Product: Debt collection

I received a collection notice from Collection Information Bureau Inc for a service that I did not receive at a Hospital I have never been to. I tried to contact the Creditor ( XXXX XXXX XXXX ) but there is no number to be found. I called my insurance company and they have no record of it also.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We had a lease at an apartment complex but my husband lost his job and was forced to take a job in another state. We could not afford the lease. We never missed a monthly payment with the Apartment complex and notified them when we paid the rent for the month that we were forced to move and that we had to break our lease. We under stood there would be a penalty at the beginning of the following month for doing this. We were in contact with the leasing agency, we cleaned the apartment and allowed them to rent it out immediately after we left so the apartment never sat empty and was paid for every month we were there. We expected to lose our deposit and were prepared to pay a fine. However, years later we noticed that there is a collection for over XXXX dollars on my credit report. We have tried contacting the company to find out what it was for. Have never gotten a true breakdown but this is not owed to this extent. We would like help getting it removed considering the complex actually made more money by leasing out the apartment with no " sitting vacant down time '' because we communicated and paid them every month and they kept our deposit. please help us. We have tried to get it removed and even tried negotiating with the company nut had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including XXXX XXXX XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXX XXXX XXXX Va XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Product: Debt collection

A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution.
Product: Debt collection

XXXX XXXX, 2017 2 accounts were removed from my credit report. On XXXX XXXX 2017 they were added back without any notice. This is illegal. XXXX XXXX XXXX XXXX Added back on XXXX/XXXX/2017 without notice.
WORKS & LENTZ INC-OKC Added back on XXXX/XXXX/2017 without notice.
Product: Credit reporting or other personal consumer reports

This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently had my credit pull only to find out i have been a victim of identity theft. Someone used my name and personal information to open up a XXXX XXXX credit card that i did not authorize them to do. I file a police report and also file with federal trade commission sent police report and letter from trade commission to XXXX XXXX and Equifax. I received my first letter back from XXXX XXXX XXXX stating the account was open Fraudulently and they would correct my report with all three bureaus only to fine out they are still reporting negative inaccurate and fraudulent activities on my account. They have police report and letter from federal trade commission explaining my right under FCA Act. This is continuing to damage my credit and not allowing me to provide for my family and it causing me a great deal of stress. Please help
Product: Credit card or prepaid card

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Evaluate this reporting by making a revision of the information provided. There is an existing balance on theaccount, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

It is my experience that this online school falsely misled me into an online program and overcharged me. leaving me with no degree and no way to pay the debt that is now as follows : SUBSIDIZED LOAN XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX. {$4800.00} XX/XX/XXXX. {$1900.00} UNSUBSIDIZED LOAN. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. {$11000.00} XX/XX/XXXX. {$3500.00} TOTAL DEBT FROM THE XXXX XXXX IS : {$21.00}, XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX or early XXXX the company replied my vehicle and auctioned off for 2 times the amount of the loan that was not put towards the debt not will they give me any confirmation of the price it was sold at and still want more money than I borrowed and will not give me any paperwork with my prior payment s or the original agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX of my numerous 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 an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete ASAP.