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

I have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Chexsystems. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.
Product: Debt collection

In XXXX, the value of my home dropped causing my mortgage to become upside down. I hired attorney, XXXX XXXX XXXX in XXXX to file a XXXX Bankruptcy. The lien for my pool loan was stripped off my home, however after 10 years Shellpoint went to the XXXX XXXX court and it seems reattached the loan on XX/XX/XXXX, despite the loan previously handled by Green Tree being stripped off. I received a notice concerning privacy options from Shellpoint and I wrote on the notice that I did not have any type of loan with Shellpoint. I never asked to validate a loan. Therefore, I do not understand why on XX/XX/XXXX, I received a letter from Shellpoint, stating XXXX XXXX XXXX inquired about the loan # XXXX, and a copy of the lien refiled in XXXX XXXX. Someone at Shellpoint is committing fraud and I would like them held accountable, because yes I did file XXXX  XXXX in XXXX, however XXXX XXXX XXXX is not my attorney and the pool loan # XXXX was not included in the debt, because it had been stripped of my home and was no longer a debt. How is it possible for a debt to be stripped off my property by a judge, then reattached after 10 years without my knowledge? I am not paying attorney XXXX XXXX XXXX, why would he request information on a stripped property loan in my name?
Product: Vehicle loan or lease

I spoke to KIA in XX/XX/XXXX about my account. I have been unable to work since XX/XX/XXXX, I receive 60 % of my salary. I had to place six to ten payment to the end of my car loan since XX/XX/XXXX. I spoke with them around XX/XX/XXXX. I explained I could not payoff this loan XX/XX/XXXX. They said I could keep making the monthly payment until it is paid off. Now I get a letter saying I am 48 days pass due as of XX/XX/XXXX. I wanted the due dated extended till the total payoff of XX/XX/XXXX. I had to take a double look and see they sent a default notice to me anyway. I owe {$700.00} I called twice to get help, all they kept saying was pay now, pay now. I felt such pressure I said I would pay {$100.00} by XX/XX/XXXX. However the clock keeps ticking and they are reporting me late on my credit report. I get paid once a month on the XX/XX/XXXX, Please can you help me.I already got beat by KIA selling me a fraud type car warranty. I also want add the KIA warranty to this complaint. Never used it, never asked for it, they added the {$3000.00} to my loan
Product: Credit card or prepaid card

On XX/XX/2021, I was mailed a letter to my home address from Home Depot Credit Services informing me that the consumer credit card I applied for could not be processed due to a credit freeze on my credit report. I DID NOT APPLY FOR THIS CREDIT CARD. Fortunately, because of the credit freeze I have in place, the credit card has not been processed. I will attempt to contact Home Depot Credit Services and tell them to stop processing this request.
Product: Debt collection

This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, XXXX XXXX  sold it to another collecting agency unifin inc who is now the owner of the account. Well, XXXX XXXX  is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from XXXX XXXX  that this debt is verified as mine and they did not respond within 30 days. Its been XXXX  months.
Product: Checking or savings account

Was fraudulently charged a XXXX withdrawal adjustment for a purchase I had not made nor received because it was a scam XXXX XXXX and I was XXXX against by the bank Suncoast Credit Union
Product: Payday loan, title loan, or personal loan

From : Date : Tue, XX/XX/2020, XXXX XXXX  Subject : Wells Fargo Calling / PLEASE ADVISE To : XXXX Cc : XXXX XXXX XXXX XXXX XXXX Dear Ms. XXXX, I hope all is well with you during this time with the pandemic. I have reached out to you by phone and email. Just wanted to follow up with you about our next steps. 
1.On another note, yesterday I heard my mother having a conversation on phone thru the monitor we have set up in her room in which she stated she was not feeling well, she did have a bad night ( TCPA ). I got on the line & I believe his name was XXXX he was still talking about setting up a payment plan not knowing I was on the phone at that time. 
2.I shared with him that I was working on it and he wanted to know who with and how long because that was what he was doing ... .3.. He keep asking who i was working with & I didn't not respond to his question because I didn't want to maybe jeprodise/ compromise your help in working with us.

4.I asked for his last name and he responded that he was not going to give me his last name and ***I asked him to stop calling and harrassing My Mom for she has XXXX. Yes, it did not end very well. 

5.After some time of reflection, I thought this may have been the individual you have been communicating with when I was there, but ***also thought that we were trying to work on this and didn't expect to have someone calling about a payment plan***. I also now realized Mom was correct when she was telling me she was getting calls from Wells Fargo. 

Please advise as to next steps for we would like to move forward in seeing how we can deal with this line of credit. I also have included in this email the letter from Mom 's doctor. 

Again, I appreciate all of your assistance & await your response/ direction. Thank you!!! 
Image.tif Sincerely, -- -- -- -- -- Forwarded message -- -- -- -- - From : Date : Fri, XX/XX/2020, XXXX XXXX Subject : Fwd : To : XXXX Cc : Dear Ms. XXXX, please find the requested letter from Dr. XXXX in reference to . I am available to discuss, please contact me at your earliest convenience @ XXXX. Thank you so much for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX  XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act.

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.

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Product: Debt collection

Allied collections appeared on my credit report no notice ever sent to allow me to dispute the validity
Product: Credit reporting or other personal consumer reports

I found incorrect inquiries on my report, which violates 15 USC 16c-2. I did not authorize them, and theyre damaging my credit. Remove any unauthorized inquiries immediately. Thanks.
Product: Credit reporting or other personal consumer reports

A Capital One card was opened by me under false pretenses from the offender and I never made any purchases. In fact, I never received the card and the man who stole my identity made all the fraudulent charges and left me with the bill which, again, was investigated and credited back to me by XXXX XXXX. I found and reported the fraud immediately which resulted in the account being flagged for fraud, frozen with a restriction, and then eventually closed. However, after months of the investigation went by, Capital One then attributed a late payment to me personally and reported it to the credit bureaus, which then resulted in my XXXX XXXX being lowered in a number of ways as seen attached. Capital One reported me as having a late payment in XX/XX/year> even though I was not responsible for those fraudulent charges during or after the police investigation since the charges were reported as and indeed found to be fraudulent. This was confirmed by XXXX XXXX own investigation. In acknowledgement of the inaccurate credit report filed by Capital One, Capital One filed a credit update on XX/XX/year>. However, all XXXX credit bureaus do not have any record of this report and have yet to update my credit report accordingly. I do not know who is lying : Capital One or the Credit agencies. Either way, my experience is the same : My credit has been low for a year and is preventing me from certain financial decisions. Given this conflicting information and the fact that my XXXX XXXX is still XXXX points lower than it was in XX/XX/year>, a very nice Capital One employee suggested that I write Capital One detailing the situation and requesting a specific correction. I have done so. I understand that Capital One is entitled to a XXXX review of my letter and that that will be in touch regarding the outcome. However, I still have not heard back despite it being over XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX removed XXXX XXXX XXXXankruptcy. I have written Transunion and XXXX explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX Bankruptcy ( XXXX ) be removed from my Transunion and XXXX credit report. I have not received anything in writing or by email confirming it has been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!
Product: Debt collection

CKS Financial is harassing me by repeatedly calling me every day and sometimes multiple times a day trying to collect a credit card debt. I have blocked every number that they call me from. They are calling every morning from a different number. They have even called on the weekends.They have brought this so called debt and have no rights to try and collect on it. I cant take it anymore more, the account is closed, its on my credit report as closed on XX/XX/2023.
Product: Credit card

I have a credit card with Chase with a limit of {$65000.00}. I have not been late on a payment and have had a credit score consistently over XXXX. I pay my credit card in full every month. I recently came over my limit to {$85000.00}. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my {$65000.00} credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, because I did n't pay the credit card down immediately, they reported this to the credit report agencies. The credit card company should have either 1 ) never approved that additional purchase over my credit limit or 2 ) notified me of this happening and the potential effect it could have on my credit score prior to reporting this to the credit report agencies.
Product: Debt collection

On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is {$27000.00}. 
They also never gave any material disclosure disclosing I have a right of recession.
Product: Vehicle loan or lease

i was XXXX XXXX XXXX XXXX my wallet was took i contacted police right away after was falsely XXXX and given XXXX years when released i notice this account i sent in police report even my release papetrs id for another state please explain to me what info you are using to verify this information i would like to resolve this soon or i will see you in court thanks
Product: Credit card or prepaid card

Fraudulent Charge Amount : XXXX Date Transaction/Time : XX/XX/2023 -- XXXX My card was used at a auto dealership in XXXX XXXX florida XXXX I am currently located in XXXX California, I am not consenting to the charges, I do not agree with the charges, I did not make the charges. I have made attempts to rectify this matter with chime about this matter, I have provided chime with supporting documents, along with a police report that I filed. Chime has failed to return the funds, I have past due car payments, past due auto insurance, past due cellphone bill, and credit card payments, I am accumulating late fees, and also facing cancelation. Chime has not been communicating and not willing to return the funds back in a timely manner.
Product: Debt collection

XXXX XXXX is trying to lawsuit me over a debt that hasnt been active since XXXX covid. In California you have 4 years to do so. Its almost 6 years old. They just now filed and contacted me although there paperwork has XXXX you must go by the date of service its to late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2
Product: Credit card or prepaid card

I attempted to make a payment on XX/XX/2023 to a credit card at Bank of America for XXXX to a newly discovered past due credit card. 

I went through their automated process and verified an external account to make payments through. I was told it was accepted and scheduled a payment only for it to be returned even though all the information was correct and they were able to make test deposits. My account has far more available in it than required. 

BoA then denied the payment, did not tell me it occurred, and was unable to answer why. After over an hour on various holds talking to seven different groups ( XX/XX/XXXX ) it was determined that their bill pay process does not work with my type of external account. This is not noted anywhere when going through said process. Its just a regular savings account I am able to pay other credit cards through and have not had problems. Apparently there is something about their systems specifically that makes them unable to do so through bill pay. It has caused me direct harm. All they could say, even though the payment was declined is that I could use their phone system to reattempt said payment with the SAME INFORMATION via another service they offer. This makes absolutely no sense. 

This has caused further damage to my credit report and they have made no attempt at correcting its status.
Product: Checking or savings account

XXXX  and XXXX are two of the most recent claims filed against Wells Fargo. We also filed with the OCC multiple times except this time, we were told that the CFPB does not handle XXXX XXXX and to immediately filed with the OCC. If you look back at our prior claims, we have not deviated from the initial claim except to separate the claims. If you look at the evidence, we have never implied anything different except where the evidence takes us. We now are opening a 3rd, 4th or 5th claim? The evidence from the first two listed claims and additional evidence we will provide. I AM WRITING THIS IN ALL CAPS SO WELLS FARGO READS THIS LOUD AND CLEAR. XXXX XXXX, IN WHICH YOU VIOLATED YOUR OWN POLICY TOWARDS INVESTIGATIONS AND XXXX. NO ONE EVER REACHED OUT, NO ONE. WE COMPLAINED ABOUT FRAUD ... HERE IS WHERE OUR CLAIM TAKES A DIFFERENT PATH WHEN IT COMES TO WELLS FARGO. We believe Wells Fargo not only broke their FIDUCIARY OATH, but they also DID commit XXXX XXXX, Breach of Fiduciary Duty, Breach of Covenant, Breach of Trust, and finally they violated Punctilio of Honor. Loyalty, honesty and good faith constitutes Punctilio of Honor. They can not deny the fact their company violated these acts 3.4 million times!

When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter. The client is entitled to the best efforts of the fiduciary on his behalf and the fiduciary must exercise all of the skill, care and diligence at his disposal when acting on behalf of the client. A person acting in a fiduciary capacity is held to a high standard of honesty and full disclosure in regard to the client and must not obtain a personal benefit at the expense of the client. ( b ) Uniform reports and simplification of instructions. Remember 3.5 years. XXXXXXXX XXXX XXXX  out of XXXX, Tx said we should opt out because we will not receive what is due to us.

The Federal banking agencies shall, consistent with the principles of safety and soundness, work jointly ( 1 ) to adopt a single form for the filing of core information required to be submitted under Federal law to all such agencies in the reports and statements referred to in subsection ( a ) of this section ; and ( 2 ) to simplify instructions accompanying such reports and statements and to provide an index to the instructions that is adequate to meet the needs of both filers and users.
Product: Credit card or prepaid card

Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case. 

I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card. 

At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?