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

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with XXXX to assist her in catching up. She got to a point that she paid if off because XXXX continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so done right now with this craziness hers is my police report that prove that someone stole my identity and this situation needs to be resolved I'm about to hire in attorneys, if these Fraudulent account is not removed from my credit ASAP I'm trying to be patient but I will sue these companies for allowing these fraud accounts on my credit theses Account need to be removed from my Credit
Product: Money transfer, virtual currency, or money service

I sold my XXXX on XX/XX/2020 with Visonary title. The title company send wire transfer of XXXX $ to my account at Synchrony Bank ( high yield saving account ). The title company missed spelled my name, and Synchrony bank rejected the wire transfer. 

However, the title company which they have account with XXXX XXXX XXXX never received the money. Every time we call Synchrony Bank, and one of the representatives gave me different information. I had spoken to mangers and supervisor at Synchrony Bank, every time they said the money never reached us, and we rejected the wire. 
First Call they said we have to send the back in same way using the same IMAD number. 
2nd call they said the wire will be there in 24 hours 3rd call they said 1 to 2 business days 4th call the manager said her name is XXXX said 2 to 4 business days And many other calls still the title company didnt receive the money, The title company are working closely with XXXX XXXX XXXX, and as of today XX/XX/2020 the money are not received by the title company. 

IMADXXXX
Product: Vehicle loan or lease

I had taken out an auto loan in XXXX and i had purchased gap coverage. When the vehicle began totaled they tried changing the term of the agreement stating that because the loan was behind on payments the gap coverage doesn't cover the whole loan. Which I don't understand because gap insurance wasn't purchased through them. On XXXX XXXX I had a vehicle become totaled by a accident. I provided all necessary information to the financial institution credit acceptance to process for GAP. The company came back a month and a half later stating they received the payment for XXXX they paid {$7900.00} and gap only paid {$5300.00} leaving a balance of {$3400.00}. We asked several times in XXXX why was there still a balance when we had GAP they said because the vehicle was behind on payments and GAP wouldn't cover the whole thing. We reached out to the GAP company to find out why only a portion was paid. They stated they paid what the finance company reported to them and would have paid the entire amount, but was only given {$5300.00} which they paid. In XXXX they sent the account to a law firm for collection. We have been unsuccessful in resolving this issue.
Product: Credit card or prepaid card

Chase Bank gave a card to someone else. I am a XXXX XXXX veteran in a wheel chair. I had a XXXX attach and a XXXX and I went XXXX but I see at distance but I can not read. I have had 1  card for 21 years. I never had a chase card. total amount {$720.00}.
Product: Mortgage

Had financial hardship. Requested loan modification @ the same time filed bankruptcy to save home to assure that the loan would be modified. With equity being loss from not being able to make mortgage payments at the same time the foreclosure process continued taking place. With no other major credit debt but mortgage & title loans on XXXX vehicles, my work truck & my wife 's vehicles. Both were repossess in first month of hiring bankruptcy attorney. Then bankruptcy attorney requested additional funds for action on loan modification. With no means of coming out of pocket with additional fees that were not disclosed on the initial hiring fees already paid to bankruptcy attorney XXXX XXXX. Being in a state of hardship made it impossible to proceed with bankruptcy monthly fees being missed at the end of the first year & bankruptcy being dismissed. Had to refile for bankruptcy with new down payment only to face no modification & continuous foreclosure actions on a loan deemed as a XXXX loan created by XXXX XXXX XXXX sold to XXXX then sold to Wells Fargo. First time buyer nightmare with no way of converting to a conventional XXXX yr fixed rate. A 20 % down payment is how my wife & I purchased our first home mortgage with no buying experience or knowledge of type of mortgage loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to deposit a check for {$600.00} from a scholarship I received from the XXXX XXXX XXXX XXXX XXXX into my Capital One savings account. XX/XX/2023 I tried to make a purchase using the debit card linked to my checking account, but it was declined. I opened my Capital One app to see if I had enough funds, and I did, but there was a message on both my checking and savings accounts that my funds are currently not available for withdrawal followed by a number to call. I called the number, and after waiting for over 10 minutes, tried to explain my situation to the operator. She told me that unless she could verify the transaction with the scholarship foundation, my accounts would remain closed. She attempted to contact the foundation with no success. After this, I asked what was needed to unfreeze my account, to which she replied that the only way she would be able to unfreeze it is if I was able to contact the foundation myself. I asked if in the meantime I could be mailed a check with the remaining balances in my accounts, and she asked why. I replied that I needed to have access to my money ( which was in my account before it was frozen ) and I cant access the funds while my account is frozen. She said that she would not be able to do this. The call lasted over 30 minutes between waiting for an operator and waiting for her to try to contact the foundation.
Product: Debt collection

My identity was stolen and used to purchase an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX during XXXX  time. My police report has been filed through XXXX  with number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that was not authorized by me, I called the company and they are saying they can not do anything without me filing a report to remove these inquiries that I did not authorize. According to FCRA items that are not verified and authorized by me must be removed. TransUnion website states that I should call to say these were not authorized and they will remove it but now they are saying something different.
Product: Credit reporting

Experian is refusing to investigate some inaccurate items that is on my Credit Report. I have sent in numerous disputes to have these items removed. Ive even sent in a copy of my driver license and social security cards to have the inaccurate items removed. I have asked them to sent me verification that these accounts are mine. They just continue to send letters saying they verified the acounts. The accounts are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. # XXXX. These accounts are inaccurate and they failed to response within 30 days to validate the debt.
Product: Prepaid card

They never gave me my money cash app XXXX XXXX
Product: Checking or savings account

MyXXXX  received a fake check from a scammer and tried to warn the bank in advance so they would not release any funds to XXXX  which I would eventually be financially liable for. I had/have proof that the check was fake and explained the situation to them and they went ahead and allowed her to deposit the check and start withdrawing funds from it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX, and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank under Account # 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
Product: Debt collection

This issue stems back fr XX/XX/XXXX to XX/XX/XXXX. I was under debt program with XXXX XXXX XXXX ( XXXX ) I have had consent ltrs fr several collection agengcy of $ XXXX bal with XXXX XXXX XXXX. Per XXXX, bal pd in full however, other past collections added new balance each time sold to another agency. I contacted, atty general office, state rep and Tlas.og for help. I have some brochures of what to do however, nothing has been resolved. I told United coll bureau on yesterday that I retired on XXXX in XX/XX/XXXX and have no funds to pay because their records are incorrect. I also requested an updated history of acct fr their office. The supervisor refused to speak to me, the agent was very persistent after an hour and half. I don ; 't have the money and I most definitely do n't owe it. Today I spoke to XXXX reps, XXXX and XXXX advising me to contact you for to file a complaint.
Product: Debt collection

I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.
Product: Credit reporting or other personal consumer reports

XXXX Balance {$10000.00} Original balance {$13000.00} Account number XXXX Open/closed Closed Date opened XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX bal. {$2100.00}, XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXX XXXXXXXX XXXX {$320.00}.
Product: Credit reporting or other personal consumer reports

This account was open on XXXX XXXX I contacted seventh avenue they lady said she was sending something over to the credit bureau to remove this off of my credit i contacted all 3 three bureaus XXXX remove it XXXX didn't remove it XXXX remove it than put it back on there and it drop my score XXXX points i have proof they remove it and than added it back i have never had and account with this company
Product: Payday loan, title loan, or personal loan

I was contacted by the XXXX XXXX XXXX XXXX XXXX several times by a person identifying herself as XXXX XXXX, trying to get information. XXXX then called and harrased my XXXX+ year old parents telling them she wanted to help me which upset them because they thought something terrible had happened to me and caused my father to have health issues. Then XXXX called my work putting my job in jeopardy which eventually led to my termination. They also called my apartment complex and put me at risk for eviction and ruining my chances of employment with them as I had recently applied for a job with them. XXXX XXXX XXXX and XXXX XXXX destroyed any chance I had at making a living and then repossessed my car. They didn't give me any information such as where the car was taken or how I could settle the issue and get the car back. This should be regarded as harassment and should also be regarded as deffimation of character. I have also endured pain and suffering due to the loss of income and stress. I was only behind on 2 or 3 month 's of payments. I was then informed that the loan was discharged and settled with an insurance company. I received a letter saying that the loan was discharged and the account was closed. I had paid {$18000.00} for a used {$3000.00} car so I thought the loan was considered paid off and I was waiting for my title to arrive but it never did. When I tried to contact the Credit Union about it they told me it was up to the insurance company now but they couldn't give me any contact information. This type of collection practice and loan activity should be illegal and I expect full compensation for pain and suffering plus loss of income.
Product: Debt collection

DISPUTED A DEBT REPORTING ON MY CONSUMER REPORT NAMED " HUNTER WARFIELD ''. THE DEBT IS INACCURATE AND UNVERIFIED AND SHOULD HAVE BEEN DELETED FROM MY CONSUMER REPORT. THIS IS A VIOLATION OF THE FDCPA AND THE FCRA. I HAVE TRIED TO DISPUTE THIS DEBT SEVERAL TIMES. SINCE THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT ( I WILL BE SEEKING REMEDY FOR DAMAGES IMMEDIATELY. AFTER THIS DISPUTE I WILL BE FILING ANOTHER CFPB COMPLAINT TO START THE PROCESS FOR MY REMEDY FOR DAMAGES ALONG WITH OTHER LEGAL ACTIONS BECAUSE OF THIS NEGLIGENCE UNDER THE SERVICES OF A CONSUMER ATTORNEY. )
Product: Debt collection

There is an account reporting on my credit report with Wells Fargo/XXXX for {$1200.00}. I never had an account with them. I have sent several letter through certified mail asking them to verify this debt belongs to me and never received a response from this debt collector. Also, I've made it clear that this debt does not belong to and but they insist that I pay the settlement that was offer to me for {$510.00}. I paid the debt and they still refuse to remove it from my credit history.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian, XXXX and XXXX and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( XXXX ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.
Product: Credit card

This complaint is regarding 4 disputed charges from XXXX. On XX/XX/2023, XXXX XXXX, from XXXX confirmed via email my credit card on file was updated to my XXXX XXXX. Prior to this email, my Capital One card was on file for the company to charge. At this point, I remove authorization to charge the Capital One by replacing the card on file with the XXXX. XXXX was successfully charging my XXXX. 

On XX/XX/XXXX, I contacted XXXX via email notifying them to cancel my account and revoking all authorization to charge my credit card. On XX/XX/XXXX, XXXX XXXX from XXXX acknowledged my cancellation email. 

On XX/XX/XXXX, XXXX charged {$550.00} to my Capital One credit card. After my written notice revoking authorization to do so. 

I contacted Capital One, they successfully disputed the charges. I received the appropriate credit. 

On XX/XX/XXXX, XXXX charged my credit card again. Same amount. I provided the same documentation and Capital One closed my claim. I called them and pointed out in the documentation where I removed this card off file and it was confirm. I also provided receipt showing there XXXX was charging my XXXX card. 

Capital One has handled this incorrectly and I need intervention
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my XXXX.