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

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. This occurred at some point fromXX/XX/XXXX with the news being broken on XXXX XXXX, XXXX. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. 

As of XXXX XXXX, XXXX ( when I last had my own free credit report generated by all 3 credit bureaus ), my personal line of credit and identity do not appear to be compromised. However, if the hack occurred within the last few months, the sensitive information will likely be sold to identity thieves and used some months after the incident. 

Equifax, up until this point, has only offered to have customers run their last names and last 6 digits of their social security numbers through a web page on their website to determine if the customer has been impacted. According to Equifax 's website, I was impacted by the hack. They are offering credit monitoring, which I am denying, because I do not believe they can provide quality service in a secure fashion in any agreeable manner. 

Thus far, I created a fraud alert through XXXX XXXX website for the next 90 days, and will continue to reactivate that fraud alert for the foreseeable future once the alert expires. In addition to that, I am paying money out of my own pocket to protect my information from being used to open lines of credit. I am creating a credit freeze with all 3 credit bureaus after filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with XXXX XXXX. XXXX XXXX sold my debt to XXXX XXXX XXXX. XXXX took me to court to pay {$670.00}. I made an agreement to pay {$30.00} weekly. The debt was paid in full on XX/XX/2019. XXXX provided me with a letter showing the account was PAID IN FULL. Despite my having paid in full, my credit score has dropped points on a couple of occasions because the account came up FP ( Failed to make a Payment ) for XX/XX/XXXX and XX/XX/2019 under Experian. I filled a dispute in XX/XX/XXXX to Identify the issue. Experian reported that the dispute had been completed, however, the report shows that it was now a charge off. Again, I attempted a dispute to Experian, but it would not process showing that there was already an open dispute. This was confusing. I called Experian directly to address the issue. The man started a new dispute XX/XX/19. The issue has been furthered, as today, XX/XX/19, Experian shows an alert for an unpaid account. When open it shows that the account was ND for XX/XX/XXXX, FP for XX/XX/2019, and in another summary view shows it was charged off again. Non e of this information is accurate. I can provide a receipt of every payment made, including the receipt showing that the account was paid in full.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a vehicle loan application submitted to Global Lending. This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud.

The details of my complaint are as follows : Vehicle Loan Application : On XX/XX/2023, I submitted an application for a vehicle loan to Global Lending. To my surprise, my application was immediately denied. 
In response to the denial, I sent a certified letter to Global Lending seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference.Despite sending the certified letter, I have not received any response or communication from Global Lending. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

Securities Fraud Concerns : I believe there may be potential securities fraud involved in this matter. Global Lending has a published 10-K annual filing and an indenture agreement with XXXXXXXX XXXX  XXXX While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I realize the application says it can be transferred, but the application does not say that they can deny you access to your credit, then sell your security on the commercial paper market, earn a profit from my application because it is pooled into assets backed securities. They also violated equal consideration. The applicant was accepted when it was sent, they accept it but then denied, so credit should have been issued. 

I am filing this complaint with the CFPB to request a thorough investigation into Global Lending 's denial of my vehicle loan application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations.

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether Global Lending has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CREDIT COLL Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account.

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : Close late Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my child received a text from Wells Fargo asking if a charge was fradulent. It, in fact, was, and we responded accordingly. Wells Fargo cancelled the debit card, said a new one was in the mail, and asked my child if he wanted the new number updated in his phone 's apple pay. My child said yes because he was on a trip and had no other card. 
on XX/XX/XXXX, over {$5000.00} was taken out of my child 's account through transactions in the XXXX. ( my child was in the US at the time ) He did not authorize any approvals and did not even have the account number of his new debit card. We called Wells Fargo and they cancelled his card and reissued yet another card. We did not update the XXXX XXXX capability and changed all system passwords. They said it would be 10 business days to received a response and return the money back in the account. Later that day, they called us back on the 15th and asked us if we had called Wells Fargo from a number that was not associated with our account. We said " no '' and they said " it is likely that your Wells Fargo account has been infiltrated and someone has your account number '' they closed the previous account and opened a new one. We did not give anyone passwords or click on any kind of phishing scam. We waited ten days with no response regarding the claim. I called up after ten days and received a response that " all charges were approved '' and the bank determined there was no unapproved charges by us. Even though they had contacted us regarding fraud twice in two days and had not done anything to resolve the situation appropriately.

Now they will not tell us why they denied our claim, how someone hacked into the wells fargo website, nor how they think this is not something they are liable for. I have spent almost 20 hours dealing with Wells Fargo and have received virtually no logical answer and have been told that my case is closed and no one will look at it again, respond to my questions, or address in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/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 : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

The mortgage bank reported my name thrice, in XXXX, XXXX, and XXXX. Please review my bank statement and account activity letter to confirm if my payment was late. As a result, I lost XXXX points from my credit score.
Product: Credit reporting

I was sued in small claims court in XX/XX/XXXX for additional payment for excavating work. The County Court Judge 's decision halved the claim from approximately {$2200.00} to {$1100.00} in favor of the Plaintiff. I took the case to XXXX and had the amount reduced further to $ XXXXXXXXwith the plaintiff paying the court costs. I paid the plaintiff {$700.00} in XX/XX/XXXX which resolved the case. A copy of the court order disposing the case is enclosed. Theser reports should follow up on court cases until they are resolved not list them forever in their credit report even though they have been resolved
Product: Credit reporting or other personal consumer reports

I checked my credit report this lunch and I saw that there were unauthorized inquiries. I tried logging in and logging out of my account, but when I logged in again, the unauthorized inquiries were still there. I have no idea why those showed up on my credit report but I do know that I want them removed as soon as possible, so please thoroughly look at the documents I've sent.
Product: Credit reporting or other personal consumer reports

MY IDENTITY WAS STOLEN AND USED BY AN UNKOWN PERSON AND I HAVE EXHAUSTED ALL COMMUNICATIONS WITH BANKS AND BUREAUS THEY REFUSE TO HELP
Product: Debt collection

On XX/XX/2022, we met with our sales agent and XXXX XXXX XXXX to settle on our home we sold in XX/XX/2022. The XXXX XXXX had sufficient funds to pay the mortgage company but erred in sending the proper amount which was not found out until months later. The new owners were at settlement and moved into our home on XX/XX/2022. We were told any monies due us would be direct deposited to our account which we had set up for this purpose. Several months later we found the mortgage company only received part of the monies due ( all the money due was available with the XXXX XXXX Co ). We were notified by a banking company when we applied to buy a house in XX/XX/2022 that in XX/XX/2022, XX/XX/2022, XX/XX/2022, & XX/XX/2022, not positive but someone indicated XXXX and XX/XX/2022 that we were being reported by SPS Mortgage Servicing of being late in these months. We advised we sold house in XXXX and don't understand why we are now being reported. We found the XXXX XXXX erred in sending the appropriate amount due to typo error in their office and thus SPS took that monies and credited as monthly payments until the money ran out. We have tried to get SPS to remove the lates from our credit reporting bureaus, XXXX, XXXX, XXXX & XXXX but they refuse.eventhough we have explained the error was with Title Company which we knew nothing about for months. SPS has now been paid in full by XXXX XXXX with our assistance however they won't release the lates and we entrusted the settlement of our home to XXXX XXXX XXXX who state its up to us to get the lates off our credit report. We had no idea of this error XXXX XXXX XXXX made for several months and now being penalized. We want the late reports taken off our credit as we " sold '' our house in XX/XX/2022 and had since received a clear deed and thought everything was taken care of. We paid our mortgage with SPS for many years and never late and can't believe they will not remove these lates which clearly show were many months after we sold the house with a realtor and a title company
Product: Credit reporting or other personal consumer reports

Monterey collection services was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint
Product: Credit reporting or other personal consumer reports

Inquires i did not authorize listed below 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
Product: Student loan

Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. 
If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. 
If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan services Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX : XXXX XXXX in Fact UCC XXXX
Product: Credit card

Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with Equifax XXXX. I submitted a disputes for some closed accounts that appeared on my credit report that doesn't belong to me, please look below : XXXX XXXX  XXXX XXXX XXXX XXXX In XXXX and XXXX, I paid all these accounts off to XXXX because I was buying a home and this was causing me to get a higher rate and lower approval amount. Before paying them off I did dispute with both the creditor and the credit bureaus and I was still stuck with these accounts. 

I want these accounts removed as these aren't my accounts, I never authorized no one to open them, and I have received any items off any of the purchases for the charges. 

Today I received my results on confirmation # XXXX that states on each one of these accounts, " The information you disputed has been verified as accurate, and We verified that this item belongs to you ''. 

Crazy thing is I've asked how was this verified, I also asked for documents barring my signature the credit has failed to provide me this, please send me anything that I can give to law enforcement as I've filed a police report and a Federal Trade Identity Theft Report ( attached ) XXXX. Equifax want share my information with other XXXX bureaus credit services this is so I can check my credit reports often without going to each individual sight, please also look at the attachments. 

XXXX. I gotten married recently I sent Equifax my ID with my married name on it, they have yet to update my name as XXXX XXXX they are being disrespectful and XXXX about making the request in this complaint as I know caucasian don't go through this.
Product: Checking or savings account

i wanted to make a transfer to another bank from my checking account. I was able to process the transaction on the online banking site. but did not receive confirmation of the transaction via email or text. I called the bank and I was told by multiple people to redo the wire. I re did the wire. I call the bank back. I was told that I needed to redo the wire because the limit for external wire transfers is {$1000.00}. I redid the transaction. I called the bank again and I was told that the info provided was incorrect wire limits are $ XXXX. I was also told that it can take up to 5 business days for the transaction to be executed, I asked to speak to the escalation department or a manager, she told me that the wire can take up to 3 business days. I called my bank they told me that the transaction should be immediately. multiple called to multiple people and nobody can provide accurate information. 
I was also told that the transaction was a wire, then an ACH then a wire transfer, again no accurate feedback or consistency on information. 
furthermore, after numerous calls I was advise to block the checking account to prevent from any withdraw funds from the account as I was instructed to execute the wire/ach 4 times. 
At this time I do not have access to my checking account and fear unblocking the account since im not sure the bank has a handle on how to manage this sort of transaction
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for the immediate removal of inaccurate and misleading information from my credit report. Despite my repeated disputes and your obligation under federal law, your company continues to report unverified information, which has caused significant damage to my financial standing.
Product: Debt collection

On XX/XX/XXXX, LVNV Funding, LLC was listed on my credit reports ( XXXX, XXXX, and XXXX ) in the amount of {$310.00}, and I did not give them authorization to report this on my credit reports. 

On XX/XX/XXXX, I sent a letter to LVNV  requesting them to validate the alleged debt that I owe to them/XXXX XXXX requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Within 30 days, they did not provided all of the information I requested and this collection remained on all of my credit reports from XXXX, XXXX, and XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - {$8000.00} loan taken from Wilshire Consumer Credit with the terms of 48 monthly payments. 
Last payment paid on XX/XX/XXXX. 
When asked to return my title, XXXX said I still owned them {$9200.00}, generated from late payment interest which is never disclosed to me in my monthly statement. 
They offered to rewrite another loan, and threatened to repo my car. 
When I researched on the internet I found out there is a case exactly like mine posted on the news and XXXX. Due to the involvement of the media and XXXX  the vehicle is returned to the owner and all the fees are waived. 
Here are the link to the video XXXX XXXX XXXX XXXXXXXX