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

XXXX XXXX loan balance should be {$0.00} and was updated on XX/XX/23. All other credit bureaus have updated there records besides Experian even after I submitted letter from XXXX stating I have {$0.00} balance. Experience still shows owing {$110000.00}.
Product: Checking or savings account

I am writing to bring to your attention a serious issue I have encountered with my bank, Wells Fargo. I was recently scammed by a fraudulent organization, XXXX, and I have suffered a financial loss as a result. The fraudsters convinced me to wire money through Wells Fargo for fraudulent charges. 

I was shocked to find that my bank did not take any steps to warn me about these individuals, or even halt the transactions when it became clear that the destination of funds was unsecured. I believe that Wells Fargo has a responsibility to protect its customers from fraudulent activities and it is unacceptable that they failed to do so in this case. 

Attached to this letter, you will find evidence of the transactions I made with XXXX. I have also reported the fraud to various agencies, including IC3, SEC, FCC, and the State Attorney Generals from Colorado and California. 

I request that you investigate this matter and take the appropriate steps to ensure that Wells Fargo is held accountable for its failure to prevent this fraud. I would also appreciate any assistance you can provide in resolving this situation and recovering my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX, Experian and XXXX credit reporting agency and informed them I pulled my consumer report and realized there were inaccurate information being reported on my consumer report. I initially spoke to the reporting agency to have this matter corrected. I have mailed in supporting documents. I am hereby notifying you that on those dates or similar dates I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given the credit reporting agencies permission to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Checking or savings account

XXXX XXXX  intentionally refused to send debit card connected to checking account while I was a visitor in XXXX. Caused me to lose apartment approved for. etc
Product: Credit reporting or other personal consumer reports

America First Credit Union is reporting a balance on my credit report when the accounts has charged off. The accounts should show a XXXX balance. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a XXXX stating that it is reporting correctly. 

There is two accounts with the above company. I will also attached the credit report to show how its reporting.
Product: Checking or savings account

XX/XX/year> My Husband Daughter, made her self Power of Attorney and Excess My Account and Stole Money, We had No idea that she can do that and The Bank didnt Inform me The Primary holder of the Account, that she has Excess to in My Account ( She has Stolen {$2100.00}, {$1400.00} on XX/XX/year> and the XXXX she taken {$700.00} more..My Husband is XXXX y/o with XXXX he would have not Approved this..and Myself XXXX y/o
Product: Debt collection

XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquiries on my credit report, or someone applied for something in my name. According to the F.C.R.A Fair Credit Reporting Act legally these must be removed!!
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment on my Victoria Secret CC of {$500.00} my original credit limit was {$600.00}. Around XX/XX/XXXX and XXXX Comenity Bank did a soft pull on my XXXX  credit report and decreased my credit limit to {$150.00} without my acknowledgement. When I call VS and Comenity Bank no-one could give me an answer behinds they did a promotional soft pull. They informed me that they sent out a letter explaining the decision. I never received a letter from the Bank of today XX/XX/XXXX. I have a block on my XXXX  Report for promotional purposes so no-one can run my credit to determine whether to increase or decrease my credit limit. This has caused my credit score to decreased by 57 points which is hurting my credit reporting because they lowered my credit limit. I am beyond upset that they would do this right after I made a huge payment on my card. Comenity did a soft pull on my credit on XXXX XXXX and XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. During these soft pull my credit limit was not changed, because my balance was at the maximum credit limit. I have tried to talk to both VS and the Bank and they just hang up on me. Please help me with this issue because I can't seem to get an answer or resolution. This is a violation of my consumer rights and they don't seem to care.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Ohio. I used Capital One Auto Finance preapproval for the vehicle loan, and the process was very simple. 

Because the process was very simple and easy to use, I decided to pursue a joint auto loan with Capital One Auto Finance with my son to help him get a newer vehicle and help his credit. 

On XX/XX/XXXX, we applied for a new preapproval with Capital One. We were preapproved with a {$60000.00} purchase option. We had to submit address verification for my son XXXX. We submitted the address documents, and the loan was fully approved by underwriting per Capital One agent. We would just need to go to the dealership and select the vehicle. 

I was advised to purchase it as soon as possible as the XX/XX/XXXX vehicle purchase could show up on my credit report causing a change in the interest rate. No one said a word about only one loan per 30 days. 

On XX/XX/XXXX, XXXX and I went to XXXX XXXX in XXXX, Ohio, which is over a two hour drive. Upon negotiating with the dealer, we went ahead with our loan application to finalize the approval and secure the loan. Upon submission, the dealership was told Capital One denied the loan because there was another loan funded within 30 days, and we were not allowed to apply for another loan from them. 

Since we made the application at the dealership, Capital One made a hard pull from XXXX and I 's XXXX, XXXX, and XXXX XXXX credit report. There is no reason for me being denied a loan, as I called XXXX XXXX XXXX XXXX and had an instant approval. Per the dealership, my credit score was XXXX and my son 's was XXXX. 

I have 3 % revolving debt with {$90000.00} available credit. I make well over {$100000.00} annually, and the only other debt I have is student loans. I have plenty of credit with no late payments on any account. We recently sold our house, which is why I do not have a mortgage any longer. 

There was no reason for Capital One Auto Finance to deny my credit. I have impeccable credit, and I have not been denied a loan, credit card, etc. in the last 10 years at least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account XXXX Date openedDec XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX TRANSUNION : XXXX Account XXXX XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit card

I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.
Product: Mortgage

Interest Addendum to Note was all that was provided with no details of the formula pertaining to the amount specified on the Payoff Demand for Default Interest. 
I am questioning that this note was also not listed properly in the loan disclosure documents signed prior to the loan documents and would like A & D Mortgage to provide this signed disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions. 

They also have neglected to list the creditors on my XXXX report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Debt Buyer, acting as a Debt Collector, continues to ignore the CFPB 's Consent Order 2015-CFPB-002 ; 1. PRA has not shown, nor do they have access to, account level documentation and continue collections knowing their data may be inaccurate/unreliable. 
2. A letter provided by PRA, and likely provided to furnish certified information to the credit reporting agencies, which means to imply and display 's similar original creditors information ( XXXX XXXX XXXX XXXX  ) and letterhead and other official proprietary markings falsely indicating that the original creditor is a participant in such collections-when in fact they are not. 
3. I spent 3 years fighting such manufactured evidence in a local court on 2010 and here they are doing it again. I did sue and collect for FDCPA violations from their collector in the end. Can not say wh, in which case the affidavit then was robo signed-corroborating my concerns about their fake XXXX letter. 
4. PRA " parked '' a collection account with all 3 CRA 's indicating I have an open account with them when in fact they know i do not have such. This clearly is an attempt to pressure me, a consumer, into giving them monies to improve my credit score. I am in fact harmed and deterred from applying successfully for credit because of their misleading/incomplete/disputed-particularly the amount, entry that ties my hands as a consumer. 
5. PRA has not and will never have access to certified or other authentic copy of credit card bills amounting to their totals nor any such statements or contractorial signatures or terms of agreement. 
6. PRA continues to defy the order above that, in connection with the collection of debt, Respondent, Respondent 's officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation v.rith any of them, who receive actual notice of this Consent Order, whether acting directly or indirectly, are permanently restrained and prohibited from making any material misrepresentation or omission or assisting others in making any material misrepresentation or omission, expressly or by implication, including but not limited to misrepresentations : ie. using a fake XXXX Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19. XXXX XXXX  reporter a debt to Experian in the amount of {$850.00}. Which if inaccurate. XXXX represents XXXX XXXX  . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. experian is not taking this off my report after I disputed it with my evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.
Product: Checking or savings account

I request to have my mature cd money moved to my money market acct. I was told it would take a few days. I have called 4 more times and went into the branch twice. They rolled my cd into a new one and are telling me they can not give me my money without a hefty fee. The branch manager said he can see in their records I made the request early enough to avoid any penalty but without higher approval he cant fix it. Its been over a week since Ive talked to him and hes not getting any further in the process than I was with the call center. Basically they are holding my money hostage. This is Huntington Bank in Michigan
Product: Credit card or prepaid card

American Express downgraded my status globally, from XXXX member to Platinum Member, and they refuse to reinstate my previously obtained through invitation XXXX status, a status for which I paid a lot of money for more than a decade. 

I provided proof of my status, and they insist on forwarding my request to XXXX, while they are an XXXX XXXX, their Global CEO and Chairman are located in the United States and they are responsible for operations all over the globe. 

It's almost XXXX what they are doing because I am not requesting an upgrade, they downgraded globally as a brand status and they must rectify that, and reinstate my already gained XXXX status. 

I am a member since 2000, they are mistaken when they say I am a new member of the Platinum Card in XXXX, they are not taking responsibility for the fact they are a global company headquartered in the United States, they control all other countries, and if I already got an invitation for XXXX status, they must respect it, they can not uninvite me, or ask me to wait for a new invitation, or they should invite me immediately to rectify this lack of respect.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

XXXX  XXXX, XXXX  XXXX
Product: Debt collection

I asked for verification of debt in XXXX and the company has not verified the debt to me. Since it did not verify the debt within 30 days, it should be removed
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}
Product: Consumer Loan

I had a car loan with First Premier Financial, and it was transferred to another company who owns my other car loan, XXXX XXXX XXXX. Well, I received the Welcome letter from them in the time frame that they were suppose to in order to remain in compliance, however the problem was First Premier Financial did NOT send me a good bye letter informing me that they were service releasing my loan which caused a bunch of problems. I could not find my loan on their site anymore, so I kept attempting to call. But the line was always busy that it kept sending me to a voicemail. And I never received a call back. So beforeven I knew what was happening I mailed them my check. That was XXXX. After a about a week, that 's when I received the letter from my current servicer advising me about the transfer. However they still said I owed them a payment. I waited for another week and still said I owed. The letter they sent me said first Premier would be forwarding any payments that was sent to them. Well I got tired of waiting. I paid my note online with the new servicer and First Premier still has not sent them the check. That 's the first time I had ever mailed them a payment and it 's lost somewhere. Know that company someone probably done stole my information, or it simply just got lost in the mail. Anyway, all this headache and confusion would not have occurred if they would have sent out the Goodbye letter or even returned one of the many voicemail I left. I really hope my loan was sold because they are going out of business because for this to be a financial institution they have no regards for staying in Compliance with anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with XXXX and Equifax and they did not fixed it.