23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The following Wells Fargo Opportunity Checking Account : XXXX is fraudulent, unauthorized and not my account. I never applied for or opened this checking account online. Its a fraudulent checking account.
Product: Consumer Loan

I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them {$1100.00} and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to XXXX he is saying that the dollar amount is from a final payoff and the initial documentation they gave me said it was from the cost of the sale of the car to auction. The dollar amounts are the exact dollar amount. It is clear that they are confused. I asked him to show me mathematical equation used to determine that dollar amount and he was n't able to provide that dollar amount. Collectively we tried to figure out the dollar amount using a simple interest formula but the amounts do not add up. After several failed attempts of trying to prove to me the dollar amount, XXXX just stopped taking my calls and stopped returning my voicemails. In response to my dispute, they are continuously verifying my dispute with all XXXX of the bureaus without legally verifying the said dollar amount. I have tried to resolve this issue with them for many months now and now they have given up and instead of trying to help me as a consumer they are avoiding me, illegally verifying information on my credit report, and not addressing or responding to any of my inquiries. I have mailed them certified mailing that they have failed to respond to and have yet removed this account from my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as it did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i sent experian an dispute request to provide me with what documents they had showing such debt belonged to me and they never processed my dispute.
Product: Credit card

This is exactly what I wrote to Citi Bank The following is the dispute number they gave me XXXX On XX/XX/2024 I made a purchase from two different vendors booking the exact same room at XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX The first transaction was XXXX and was not supposed to go through since I did not approve purchase via the verification system on the website I exit out prior to completing the transaction because I found it for XXXX at XXXX. I was charged twice for one night stay at the hotel on XX/XX/2024. I let the person working at the front desk know and he said not to worry since I had dispute it and it should clear on its own since it's practically a duplicate charge for the same transaction of the one night stay at the hotel for the same room and same time period of XX/XX/2024 to XX/XX/2024 XXXX. XXXX  is known for there scammish ways all over the internet.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my report from companies, I didnt authorize. 

XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out multiple times no resolution was provided.
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 XXXX 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, WORLD FIN 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. 
WORLD FIN 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. 
WORLD FIN 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.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX XXXX  XXXX who used Wells Fargo Dealer Services to issue a loan for the vehicle purchase back on XX/XX/XXXX. At the time of the sell of the car to me, the sales rep at XXXX XXXX  XXXX called Wells Fargo Dealer Services to secure a loan for the XXXX XXXX. Then I signed all the paperwork and left with a temp tag. Shortly after the time the car was purchased, XXXX XXXX XXXX went out of business. There were a few txt messages sent between XXXX XXXX the owner of XXXX XXXX and myself as she said she was in the process of recovering the title from the auction house down in Texas. She said that she would issue me a dealer tag and that once the title came in she would pay any late fees from the state that I incurred as I was going to have to tag the car late. For the first few months she would respond and continue to tell me that the title was coming. Eventually I stopped getting responses. In XXXX of XXXX I issued a lawsuit against both owners of XXXX XXXX and the documents are attached. On XX/XX/XXXX all assets of XXXX XXXX 2nd location was seized by the department of revenue for nonpayment of sales tax totaling {$57000.00}. https : XXXX Ive checked with the State of Kansas and they wont issue a bonded title. That same year, I called every auction location in the XXXX and XXXX area to attempt to find the title for the VIN number of my car with no luck. Ive paid attorney fees to try and receive the title or get XXXX XXXX to take possession of the car and pay my loan off. Ive reached out to Wells Fargo and explained that I dont have a title and I dont know how I am continuing to make payments for a car I technically dont own only to receive a one sheet of paper that I can give to an officer if I get pulled over. Ive had to fully insure the vehicle the entire time Ive owned it as I have a car loan for the car. Ive been threatened by police for running on a two-year expired dealer tag and have to explain the situation every time I get pulled over. I cant drive the car downtown to XXXX XXXX as it will be and has been towed. Ive had to fight the tow lot as I cant technically prove I own the car so I was harassed until I finally got someone to let me get my car out of the tow lot. I cant drive the car anywhere I chose even long distances for fear of being pulled over. For the first two years I kept all the maintenance up on the car and drove it as I could illegally. Due to not being legal, Ive had to have and pay another car loan on all while carrying the debt of the XXXX. 
At this time, I have paid a total of {$10000.00} of the total original amount owed of {$17000.00}. My balance with Wells Fargo dealer services for the XXXX XXXX is {$7000.00}. After seeking additional counsel, my next plan is to utilize an attorney to purse Wells Fargo Dealer Services for issuing a loan on a car that does not have a valid title. Ive been forced to make payments with interest and car full coverage insurance on a car that I technically never owned. Ive been forced to purchase an additional car to make sure I had a vehicle that was legal to drive without the threat of being pulled over.
Product: Debt collection

I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. 1. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, XXXX, and TransUnion. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, XXXX and TransUnion to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Won't fix my account so they can push these worthless credit cards put back my 16 months of on time never late payments for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report # XXXX RE : Identity Theft Dear Equifax Please remove the following accounts listed on my credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY. XXXX and XXXX   have already removed these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XXXX of XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX  XXXX  again in XXXX of XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XXXX and XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.
Product: Credit reporting or other personal consumer reports

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 XXXX XXXX XXXXXXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Product: Checking or savings account

I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from Bank of America called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via XXXX. Unfortunately, I fell prey to the scam, transferring {$2800.00} in two separate transactions of {$2300.00} and {$500.00}. 

I have attempted to retrieve my money, as I have read that other fraud victims have succeeded in doing so. However, the process requires a payment ID, which I have been unable to obtain from Bank of America despite spending more than 8 hours trying. The XXXX website suggests calling their customer service number, but I have found them to be equally unhelpful. 

Bank of America, which owns XXXX, will continue to hold onto my hard-earned money until I can take legal action.
Product: Mortgage

I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing process
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX . DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**This issue needs to be expedited due to the faulty work of an Equifax employee** This issue was originally disputed with Equifax under confirmation number XXXX and the subject account XXXX XXXX XXXX was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, Equifax initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected Equifax did not process this properly.