23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I was scammed {$25000.00} when I made a transfer from my Bank of America online account to a XXXX account on XX/XX/2022 that was supposed to be the final payment on my house. I had emailed the vendor before making the transfer to make sure the account number was still good. 
On my email, I was given a change of bank account number to make the transfer because they said there was an audit on the previous account. So, I went ahead and made the transfer. 

I waited a couple days for my receipt and when I didn't get it, I emailed the vendor the receipt of the transfer. They told me that they did not receive any payment and additionally, they don't know whose name that was on the receipt. 

I immediately made the report as fraud to Bank of America. I have called them many times because I did not hear from them and waited hours on the phone before someone answered. 

I mentioned to them on my last email that I will get " XXXX XXXX XXXX XXXX XXXX' involved '' and viola!, after waiting 6 months I received an email that I couldn't open and called them and they told me, " unfortunately, the attempt to recover the funds was not successful. They now consider the inquiry closed. '' So now, I would like to know if XXXX XXXX XXXX XXXX  can help me. This is a lot of money for a poor person like me. I am XXXX 

I told them that all banks are FDIC insured, which of course, they know. I don't think it's fair. A scam is a scam. 

I have all the email trails/feed from my vendor and the banking correspondence. 

Thanks so much in advance. 
I'm looking forward to your help. 

Thanks
Product: Debt collection

On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It whom it may concern, I agree to pay the following financial obligation regarding account number XXXX and which I might lawfully owe on XXXX condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both MOHELA AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I backed up my " seed phrase '' per Coinbase 's instructions to my XXXX XXXX. I then logged out of the wallet app and tried to log back in. When I went to the XXXX XXXX folder that was created by the Coinbase app, there was no backed up seed phrase in the folder. I have been locked out of the account since late 2021 and Coinbase tells me there is no other way to retrieve over {$75000.00} in XXXX currency sitting in that wallet. 

On XX/XX/year> they stated " XXXX XXXX, Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update. 

In the meantime, please reply to this email if you have any additional questions. 

Thank you in advance for your patience and understanding. 

Regards, Coinbase Support '' I have not had any success getting a resolution since that time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Account # XXXX, have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. 
I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. 

After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. 

I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design.

Has a class action lawsuit been filed against Nissan if so please add me to the suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my XXXX and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your XXXX XXXX.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law XXXX result in legal action against you. All inquiries in Identity theft are not mine. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit. I have unauthorized inquiries that I did not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CCB/XXXX Date of inquiry : XXXX  This is not mine. 

2. Identity Theft CCB/XXXX Date of inquiry : XXXX This is not mine.
Product: Debt collection

I opened a business in XXXX with another person. At that time we opened up a number of business accounts with vendors and banks. In XXXX I left the business and sold my ownership to my business partner. We provided all of our vendors and banks with our documents showing the business ownership changes. I requested that all of the cards in my name be closed and closed the credit line that was in our joint names. 

My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame. During that time he apparently racked up debt he could not afford and he started receiving collection notices. I received XXXX from Bank of America at that time in my name. I contacted Bank of America and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again. In XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old Bank of America debt. I called the company, explained the situation, and they stated that when Bank of America sold them the debt they only listed my name on the account and not my old partners. I was able to get my old partner to contact the collection agency and agree to pay the debt. I provided the collection agency all of the ownership change forms at the time and they never contacted me again. 

My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account. I contacted the collection company, XXXX XXXX and they said that they would not remove me off of the account because that is how they purchased it. I requested that they contact Bank of America to get updated records because my partner should have been the personal guarantor and they would not do it. They said I had to get Bank of America to provide me that documentation. I called Bank of America to request details on the account. Bank of America said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they do n't have any additional details. They do n't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business. They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not. 

I have also requested documentation from XXXX XXXX and Bank of America, verification of what the debt is. I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for. Neither XXXX XXXX nor Bank of America has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts. I have received nothing from them. I originally made this request in XXXX and they did not provide it and I 'm making the request again in XXXX and they are telling me they do n't have any of those details. I do n't have chance to dispute these charges if they ca n't provide me with the details on the account.
Product: Credit card

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. 
Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX XXXX ( I-XXXX  Form ) that states the date I arrived to the XXXX. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. 

PLEASE, NOTE! 
I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY FLORIDA DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE
Product: Student loan

Over the last month my personal information, including SSN, debt amount, address, phone number, and college records were exposed inappropriately to to third parties that I did not give consent to have access. XXXX XXXX has well as those on his team were given access to all of my records and I am uncomfortable because this was not agreed to in my loan agreement.
Product: Debt collection

My mother was called on XX/XX/year>, whom I do not live with and have not in over XXXX  years. Then they called me and left a message. After calling back they stated they are taking legal action against me for a balance of {$1400.00} through Citibank on a card they claim has a number of XXXX XXXX XXXX XXXX. This account was not opened by me, has never shown on my credit report and they are unwilling to provide any true validation of debt such as opening date and location. 

They claim it was a payment plan, but can not stipulate for what, or even when. I can provide screenshots of the e-documents they tried to get me to sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charge off from XXXX XXXX  that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. Experian did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that Experian demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX  and were never produced ). Experian has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. 
Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX and haven't had since XXXX. XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX   demanding they fix the error.
Product: Debt collection

I was called by a place that said that they were XXXX XXXX firm. Their number is XXXX. I talked to a supposed lawyer named XXXX XXXX at XXXX. XXXX. He said that I owed {$2200.00} on an Aspire Credit card from 19 years ago. They said that they were going to file papers for a lawsuit in the amount of over {$4000.00} for court and lawyer fees. He told me the last 4 digits of my social security number after he asked for my birthdate. I told him that this exceeds the statute of limitations. He responded that the statute of limitations does not apply to my debt owed. I also said paying on a debt that old would go against my credit score. He told me it would drastically improve my credit score. This goes against everything I've ever learned on debt collection practices. I told him that I will need to consult a lawyer. I paid for a lawyers advise on XXXX for {$60.00} and a one time {$5.00} fee. The lawyer on that site name XXXX said that this XXXX XXXX from XXXX XXXX firm is trying to trick me into paying the debt. XXXX said the debt exceeds the statute of limitations and that they can not file a collection lawsuit. I was pleased with this answer and did not return a call to XXXX XXXX firm, as they requestedXXXX XXXX XXXX XXXX ( XXXX ) phoned a couple days later, with a woman speaking, and left a message that they were going to file the paperwork for a lawsuit and for me to call them back immediately. I tried calling when I got home from work to explain my lawyer advise, and there was no answer and no company description on their voicemail system. It just said to leave my name and number in an automated voice, as a normal personal voicemail does. I am not sure if this is a scam, as I know that I had credit problems long in the past, but don't remember if I had an Aspire card? I now have good credit and have not missed a payment in as long as I can remember. I am confident that they can't collect a debt on something so old, but they are trying to harass me into paying this debt. I feel obligated to pay any debt that I owe, but need better proof that I even owe this debt. How in the world can most remember a debt from so long ago?
Product: Credit reporting

For both equifax and XXXX I got : something happened and we are unable to process your request.
Product: Checking or savings account

Hi, I contact you because I need your help, My Bank took from our account the amount of XXXX dollars for an alleged fraud ; On XX/XX/ 2017 a check was deposited in our account from the same entity for this amount for a job I do, the money remained for about 15 days in my account until I need it, now after almost two years the bank withdraws from my funds this amount saying that the check had a report of theft and that it was badly endorsed, this before being deposited, it is assumed and I already made them notice, that they should not have taken this check first for the report it already had, second because the endorsement did not belong the check of themselves and third party without having asked to identify the person who deposited it, now they want to make me guilty and they tell me that they do not know why they did it but that the bank has every right, it is not fair to me, it's a lot a money to lose it so I come to you to help me with this injustice, my family and I are desperate. 

Thank you very much for your attention and help, I await your response.