23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX XXXX   XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX XXXX XXXX XXXX {$460.00}
Product: Vehicle loan or lease

Auto Dealer Fraud and Consumer Fraud XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX miles and XXXX years old. Never told me it even was out of manufacturer warranty. Car died XX/XX/XXXX XXXX  battery dead, {$4600.00} to fix. I got XXXX trade in. 

Predator lending Credit Acceptance 22.99 % interest. 

XX/XX/XXXX, XXXX XXXX rolled {$6300.00} into my next car loan from Credit Acceptance.

This is all Auto Dealer Fraud caused by all 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I had attempted to secure a payment plan option with a firm submitting a application that was denied therefore there was no account created in my name. Fast forward to date XX/XX/21 my mother had filled out an application to secure a payment plan option through Affirm for a tire purchase made from XXXX. Soon after my mother acquired the payment plan, I downloaded the XXXX app to keep check on my credit and noticed there was an account for Affirm on my report. I had checked with my mother to make sure this was not her doing. She does not have my social and confirmed she did not use my information. I had reached out to a firm at least 10 times since and has received little to no help and absolutely no resolution. I had a very astonishing conversations varying from " this isn't our fault '', " there is nothing we can do '', '' this account doesn't belong to you so we can't disclose information but also can't say its not yours ''. I have also tried contacting XXXX and have had no luck. I have submitted a police report. I have submitted affidavits. After every submission this company has either due to lack of evidence deems me responsible for a affirm account not in my name that is tied to a loan that is not in my name. ALL THEY HAVE TO DO IS CALL THE COMPANY TO VERIFY WHOSE ACCOUNT IT IS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has 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 : 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.
Product: Consumer Loan

All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. 
My rights as a consumer was viloated. 
Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 
5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;
Product: Debt collection

COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED ( XXXX ) ACCOUNT, NOT MINES AND PAST STATE ( GA ) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; ( 4 ) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA ... NOTE : ID FRAUD AFFIDAVIT WAS FILED WITH FTC # XXXX
Product: Checking or savings account

I cashed a stipend check from my XXXX  and it was flagged as fraud. US Bank froze all three of my accounts without any notice whatsoever. They apparently have no way to undo it and no timeframe for this to be resolved. I use my debit card for everything and now I have no form of money to use for for anything.

They looked at me like Im some kind of criminal.

Apparently Im the first person ever to cash a stipend check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states they can get you a 0 % credit card. The recording states press 3 to have the calling stop. Which I have done a number of time with no success. I have spoken to a representative and told them to stop with no success.
Product: Credit reporting or other personal consumer reports

Barclays account : They had derogatory marks on a credit card that shouldnt have back in XXXX. They are stating they closed it but the card was paid in full. Its showing on all three credit reports as still derogatory. I attempted to fix it with them and they stated there were no issues. As I told them it was still on my credit report, they left me on the phone for 2 hrs and can not send me anything because I dont have the same address from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear COMENITY BANKXXXXXXXX XXXX XXXX  XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
XXXX. Debt Validation : o the name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and Equifax to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting inaccurate information on my credit report
Product: Checking or savings account

On XXXX I received a XXXX payment of {$1000.00} dollars On XXXX I received an email stating my account was restricted because of the XXXX payment I received on XXXX On XX/XX/year> I received an email stating my account was under investigation and the account would be closed in XXXX days and any owed money will be mailed to the address on file. 
I've called capital one multiple times and they can't not provide an update or a time frame. 
I believe i was a victim of a scam and don't believe my account should be closed but I also would like my money released to me if capital one is ending banking relationship with me.
Product: Mortgage

I just purchased my home on XX/XX/XXXX with XXXX XXXX XXXX and it was soon after transferred to Lakeview Loan Servicing. In my contract with XXXX   XXXX, I had a grace period of the XXXX of each month with no penalties during the grace period. Additionally, there late fee after the XXXX was not stated to be {$60.00}. However, with Lakeview Loan Servicing, there is a fee of $ XXXX- {$15.00} if payments are made during the grace period and not by the XXXX of each month. I do not believe this is acceptable. I did not ask for Lakeview to Service my loan and I find it quite deceitful and unethical to be charged during a grace period. The first time of making my mortgage payment was to Lakeview Loan servicing, which I paid on XX/XX/XXXX, I was not charged a late fee. Why now, but most importantly, why at all. I would like for my original mortgage contract to be honored. Additionally I have filed a complaint with FDIC as no customer should have to experience this type of unethical practice, especially from a mortgage company that they did not chose to have their loan through. 

Thank you.
Product: Checking or savings account

Was in a relationship and mail was being forwarded to the address card was activated and use without consent
Product: Checking or savings account

I bank with Wells Fargo, I am a 100 % service-connected XXXX Veteran and I have encountered so many problems with this banking institution. On XX/XX/2020 @ approximately XXXX XXXX, I contacted WF bank to confirm verify my checking account routing/account information for the Stimulus Economic Impact Payment. I told the representative why I needed to verify and I was given incorrect information twice, not once but twice and then told by the representative, " Good luck with that '', in a recorded conversation, as if they knew it was the wrong information given to me. 

When I called the bank to rectify the situation and requested that someone contact the ACH delivery department/Exceptions dept re-route my incorrect routing/account number to the correct routing/account number, by the way, WF bank publicly advertises to be the originator largest in America ACH over XXXX XXXX transactions ... .., I am told that nothing can be done. 

I am on a fixed income and during this coronavirus pandemic I am having difficult times financially due to crisis everything XXXX down etc. 

My finance problems are now compounded due to unprecedented unprofessionalism by Wells Fargo and in my opinion, just blatant disregard or care for me as a customer or being XXXX. I have never encountered anything remotely close to the disrespectful, unprofessional and unethical demeanor/behavior towards me as a customer/consumer from any other institution ever. The lack of professionalism is repulsive unethical. As a XXXX person having difficulty navigating through these obstacles ACH and during covid19 crisis, the representatives for the most part are neither caring, nor seem to care none whatsoever in how they speak too or relay banking information in a professional proper manner. 

As a result of the carelessness and recklessness disregard of Wells Fargo, I am now going to have to wait weeks maybe months to recieve a stimulus Impact Payment I could have recieved on XX/XX/2020 but now because of intentional wrong routing/account information given to me now I have only {$8.00} in one acount and {$18.00} in another account while Wells Fargo Bank could careless and talks down to me like I am a peasant. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my TransUnion report and they were not address by TransUnion. Per FCRA if after XXXX days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. TransUnion continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for TransUnion to be in compliance. At this point TransUnion is in direct violation on multiple accounts according to FCRA.
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 Equifax 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 accounts Consist of at XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX bank on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # 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: Credit card or prepaid card

On XX/XX/XXXX I noticed XXXX charges on our Citibank credit card that we did not make at XXXX XXXX XXXX XXXX. First charge was on XX/XX/XXXX for {$280.00} and second charge was on XX/XX/XXXX for {$1100.00}. I reported the fraud to Citibank on XX/XX/XXXX. We received a letter dated XX/XX/XXXX that the investigation was complete and that they did not find evidence of fraud. I called Citibank on XX/XX/XXXX and asked that the dispute be re-opened because we did not make these transactions. I wrote a letter to Citibank on XX/XX/XXXX detailing why this investigation should be re-opened. On XX/XX/XXXX, we received a message from Citibank stating they were looking into the dispute. Citibank also stated that we did not have to pay the disputed transactions or related charges during the investigation process. On XX/XX/XXXX, we received an email from Citibank stating that they had received additional information and had re-opened the fraud dispute and that we would either receive credit if deemed fraud or would receive a letter regarding the investigation. As of XXXX we had received neither. I wrote another letter on XX/XX/XXXX and mailed it certified with return receipt. They received the letter on XX/XX/XXXX. No response, so I called Citibank today, XX/XX/XXXX and was told the investigation was closed and no credit would be issued. All documents and correspondence is attached. Please help us with restitution as we did not make these transactions. We have been Citibank cardholders since XXXX and have an excellent payment record with them. We pay our obligations in full each month and their denial that fraud was perpetrated against us is frustrating.
Product: Money transfer, virtual currency, or money service

Gemini Trust Company LLC. I registered an account with them to trade crypto currency. I deposited money bought XXXX. When I wanted to withdraw XXXX they deactivated my account and Support not responding to email. Upon opening I was asked to verify which I did and I got a notification that I have now been verified. Next is to start trading. So I went ahead and bought some XX/XX/XXXXIt was successful and it said I have to wait for 24hrs to withdraw. After 24hrs I tried to that was when it said XXXX app is less than 72hrs old. I waited for 72hrs. Then I tried to withdraw. Then I kept getting error that Im restricted I emailed support. I got an auto reply that I should upload a picture for verification. Which i did, no respond from any member on the team. I kept emailing for 4 days. No reply. I opened another ticket. They sent me the same annoying message that I should upload a pic of my id and a paper with some instructions. I did that too. No respond. I emailed support again. No respond and my money is still stuck in the account that is frozen yet, they wont review the Picture I was told to Upload neither will they verify and take restrictions off of my account so I can start trading or take away my
Product: Credit reporting or other personal consumer reports

I recieved a hard inquiry for today XX/XX/year> to XXXX for a Capital One XXXX XXXX approved for {$6000.00}. I have not applied for anything recently. I called Capital One and they said the card was approved under my social but they couldn't do anything about it due to them using a different Date of Birth and Name to open it. My credit has been used in the past which has caused me to freeze my accounts in order to not have this issue. I reached out to XXXX and they don't see an active account yet. I was informed to then file a report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff Credit Acceptance was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable NYS Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.
Product: Debt collection

At approximately XXXX on XX/XX/23 I spoke via chat with XXXX XXXX of Professional Finance Company with reference to account # XXXX. I informed her that the amount was incorrect. She informed me that it will be marked as disputed but will be reported to the credit bureaus. I do not owe the stated amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions. 
check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.
Product: Credit reporting or other personal consumer reports

The inaccurate items on my credit report are currently involved in pending litigation due to reporting errors. As a result of this ongoing legal process, these items can not be verified.

Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from credit reports.