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

I XXXX XXXX XXXX connected post XXXX veteran XXXX deployments XXXX XXXX XXXX to XXXX and California XXXX XXXX XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX date of birth XXXX Nevada drivers license no XXXX respectfully request an immediate investigation and resolution which should include paying off global lending services bank concerning the XXXX XXXX XXXX  exclaim Nevada license plate no XXXX Vin no XXXX was in an accident the third one within XXXX years the first one I wasn't even in the car. The air bags did not deploy at all plus XXXX XXXX XXXX is at fault for not putting in immobilizer in the XXXX to XXXX XXXX and XXXX Vechicles which include mines just in case they are stolen. I was sold the car from he'll abs the other driver did not give me the complete right of way. The police report says so. Now the vehicle is at Sudden Impact body and repair shop located on XXXX XXXX XXXX XXXX nv. I regret only having inability insurance only for 3 mos I was going to add the collision part on the XXXX of XXXX now this accident which was not my fault hopped. I request that I have justice for the high intrest rate plus the mistreatment by the other drivers insurance company progressive insurance that they either fix my car or since this XXXX XXXX has been in XXXX accidents in XXXX years that the car be totaled via the gap insurance I am paying and the global lending services be paid the XXXX i owe so I can get another vehicle from XXXX XXXX or somewhere. Thank you for your concern. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

notified credit bureau that an inaccurate account was reporting on my account. requested a thorough investigation and validity of debt info. Requested the account to be removed due to inaccurate reporting balance and account was fraudulent. Transunion notified me on XXXX that my investigation into this account had been verified and updated in a very short time of 6 days. I spoke with trans union and I was advised that I would need to contact the collections agency XXXX XXXX and further dispute with them. I contacted XXXX XXXX and I was advised that the dispute had just been sent over to them today on XXXX and had not even been investigated nor updated as of yet and was unsure as to why or how transunion would have sent out a dispute results. Account Person XXXX XXXX at XXXX XXXX stated this via a recorded call. Transunion is not properly investigating credit disputes appropriately and legally. 


All parties involved have violated the FDCPA
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Have been trying to get a Payoff from XXXX for nearly a month. My parents passed, and we have the property sold, we are now missing the 2nd closing date and the buyer will walk. XXXX has led us along with stacks of paperwork requests which have fulfilled every time yet still refuse to provide a payoff statement. They add more and more reasons for not providing it every time. They have death certificates, payoff requests, copies of final probate court order, you name it yet still now payoff. The title company can't close without and we are being forced into financial hardship when its a simple payoff request and the sale closes. Horrible how that do this to innocent families during our most difficult time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XX/XX/XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX Account number : XXXX Account name :XX/XX/XXXXXXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

I opened a saving account with TD bank on XX/XX/XXXX and did a fund transfer with {$20000.00} from my XXXX XXXX  to TD bank saving account on the same day right after the account is opened. 

TD bank closed my account for some unknown reason afterwards and sent an email stating that the fund transfer was unsuccessful. 

However the money didn't go back to my XXXX  XXXX  account untill now. 

I've reached out to one of the TD bank branch and also filed a complaint with XXXX XXXX. However the issue is still not resolved. 

Attached is the reponse from XXXX XXXX. 

Please take this complaint seriously. All the actions are performed and instructed on TD bank online system, TD bank should make a graceful transaction.
Product: Student loan

Applied for XXXX program and submitted employment verification in XXXX. In XXXX received notification that my employment verification was denied because of my employers signature. I had to contact employer and get them to resign and I resubmitted corrected form in XXXX. This apparently put me at the end of the line and I have heard nothing since that time. My corrected form was submitted XX/XX/XXXX. Its been a month and nothing. Ive been trying to get this verified since XXXX. I dont u detest and why a simple corrected signature would take so long to verify. Should not have been placed at the end of the line as this should have been an easy fix.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Last Four of Social Security number : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , XXXX XXXX XXXX XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I have had inquires show on my credit report that were not mine. I hvae called the dealerships, I submitted a report with the FTC and my inquires were removed and then added back on from Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

2. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft CREDITONEBNK Account Number : XXXX This is not mine. 

17. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

30. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

31. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

32. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

33. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

34. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

my account has been suspended for o er a month. i have XXXX in there and they wont let me have it. the banner on my account says to check my email. there is no way to contact anyone by phone or text. i cannon believe this company has no contact info. they email from ten different addresses and everytime want fromnt and back of id and a photo with me holding the id next to my face... .i dont even know if its legit i refuse to repeatedly upload those things, its a security problem in itself. through my account i have verified identity, address, phone number, email, drivers license, even my photo. i changed my password and have 2 factor authentication with a passcode and fingerprint, and am doing all this from my registered device. I WANT MY MONEY!!!! i need to pay bills and its literally stolen by venmo
Product: Credit reporting or other personal consumer reports

Experian, You have been telling lies for the past year. You all never conducted real investigations as required by Federal Consumer Protection Law. You all willfully chose to not comply with the laws and will be held accountable. This is your final warning and last opportunity to comply before you are forced to do so by the courts. I have copy of XXXX doing a proper investigation, disclosing that they used XXXX and confirming that XXXX XXXX reports that there is NO bankruptcy. They deleted it as you should do! I have attached the response from XXXX XXXX also where they clearly state that there is no Bankruptcy! Stop lying saying that you can not verifiy with XXXX XXXX or that this record is verified. Its clear to everyone that you all are choosing to ignore laws and keep this on my credit file to further abuse and harm me. Its wrong and will not go on any further. Notice There are no accounts on my credit file that say included in bankruptcy nor is the address listed on the false bankruptcy record listed on my credit files nor is it in XXXX XXXX! Lastly, I have attached a record from the supposed Law Firm on the record and they confirm that I am NOT their client after verifying my photo, and speaking with me live. All of this proves that There is no valid bankruptcy for me and that you all are deliberately being unfair and unreasonable to me. You have no legitimate reason to keep this on my credit file. You all usually follow, XXXX, so I expect you to follow their right example now and delete this file forever. If this is not deleted in a timely manner expect legal issues. I will seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character. You are required to delete this record now, so please just comply! You all are wrong. Make the change and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I was informed by the social security administration that information was accessed from Equifax. I requested a copy of my free consumer report under the FCRA on XX/XX/. Instead of getting my free report I received a letter dated XX/XX/XXXX   requesting identity information instead of the requested report. I provided the agency a copy of the SSA letter regarding the access of my information along with name, address & ss #.
Product: Money transfer, virtual currency, or money service

Citibank NA. has fail to invwestigate and help us. XXXX XXXX de XXXX XXXX on XXXX still active account and Citibank NA alsp fail on XXXX at end of XXXX I have reported because company didnor refund and blame XXXX. I should have notice since they asked for different kind of fees arguing and convincing because pandemia situation. 
I fail but citibank was supposed to compliance regulations. I trust them because we were wiring to citibanamex and XXXX XXXX de XXXX XXXX is the excrow account. I have bring the document and show it to teller to do wire.. There were on on XXXX and pending as investigator told me Why they release them XXXX XXXX XXXX spoken to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nad they confirm my money was XXXX XXXX XXXX XXXX de XXXX XXXX. I HAVE SEND INFORMATION SEVERAL TIMES TO CITIBAN Na XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED XXXX XXXX XXXX XXXX XXXX. 
As I was told they do not have time to help a person who does not have a big account they protect and help Criminals because the did not investigate XXXX XXXX XXXX XXXX XXXX XXXXThey mention a bank of XXXX and XXXX XXXX I have not wire them. Suspicious that citibank and XXXXXXXXXXXX should be aware if they follow compliance regulations. They should havehold this wires andinvestigate.. they did on 2 but release them even I have reported. Citibank did not answer said protect privacy.. Only will answer in court with subpoena when I asked Citibank NA to refund as they fail to investigate and request to XXXX XXXX XXXX  XXXX XXXX and account active that was still active on XX/XX/XXXX Why they did not protect me as her client XXXX XXXX XXXX XXXX XXXX XXXX has tried to help me in XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On my most recent credit report i found XXXX listings from XXXX loan reading " claim filed for insured portion of balance ''. Even though its XXXX listings, its all pertaining to XXXX student loan that as of 2013 is completely paid off. i have a letter being mailed to me providing proof of full payment from XXXX. would like to have all of this information cleared up.
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On Transunion the last active date is XX/XX/XXXX. On XXXX the last active date is XX/XX/XXXX and XXXX the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2020, I applied with HSBC Bank for a 0 % APR promotional offer on balance transfers. 

On XX/XX/2020 I initiated the balance transfer via a phone call with a representative of {$6000.00} to be send to XXXX XXXX. I was told this transfer would take 7-10 days. By XX/XX/XXXX, I logged into my XXXX XXXX  account and the balance transfer from HSBC and still not made it to XXXX XXXX, but on my HSBC statement it say the a balance transfer was made to " XXXX, NY '' on XX/XX/XXXX. " XXXX, NY '' is not the correct location for the XXXX XXXX balance transfer, it is in fact that location of HSBC Bank USA, N.A. I was also imposed a transaction fee of {$240.00} on XX/XX/XXXX with HSBC for the balance transfer that was never completed correctly. 

I was never contacted once by HSBC to inform me there was a discrepancy information for the balance transfer to be sent. 

I contacted HSBC immediately on Friday, XX/XX/XXXX. I spoke to a representative and they said they would credit back the {$6000.00} to the HSBC account within XXXX days. 

It is now XX/XX/XXXX and the {$6000.00} has still not be credited back with two business days to go within the 7-10 day window. And, the is a first payment due to HSBC on the account is on XX/XX/XXXX by which I will be responsible for paying a minimum payment due for a balance transfer that was not handled properly in the first place, with absolutely no communication that there was a discrepancy in the balance transfer information.
Product: Debt collection

After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XX/XX/XXXX I received a Correspondence from XX/XX/XXXXstating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity XXXX  XXXX was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging XXXX. 

Notice Am alleging XXXX is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors.

Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.