23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$37000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX PART XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA.

Law 15 USC & 1692c states : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX
Product: Debt collection

A debt was established shortly after move out which was XX/XX/XXXX. Part of the the {$300.00} plus dollar debt was paid. However, XXXX XXXX XXXX XXXX XXXX sold the debt to collection agency IQ data international for the amount that did not reflect payment made. Once a letter was received for debt owed, I tried explaining to management at the XXXX XXXX XXXX  XXXX that based on my move in inspection form and what was allegedly found, it was the same. Therefore, part of the debt was invalid. Since the debt was sold to collection agency, the collection amount has increased. Finally o! XX/XX/XXXX, I sent a fax to settle for less. Agency declined despite income issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries on my account by Kohls/Capone on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called Kohls to dispute the inquiry and request a letter of deletion under the direction of XXXX, Kohls stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, Transunion, and XXXX  to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors
Product: Vehicle loan or lease

Credit Acceptance gave me a high interest rate. They still haven't closed my account saying it's paid off. They don't update the credit bureau until months later. But i needit to be taken off asap so i can be financed another car. mine is wrecked due to an accident that occured on XX/XX/XXXX. This account was paid in full on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Money Lion account in Summer of 2018. The account charged a monthly fee, part of which was for the service and part was for investment. The company also offers {$500.00} loans to members. I took out the loan and repayments were to be made every two weeks, along with the membership/investment fees. These fees and payments were deducted automatically by Money Lion from my checking account. Money lion has never sent a statement or balance sheet, or any other written information regarding the loan or investment account. I made several attempts to contact Money Lion to resolve issues and questions but was never able to get a hold of anyone, and when I finally was the person had no information to offer other than canned responses. I noticed recently Money Lion has notated late payments toward the loan on my credit reports. I was never aware of the delinquent status and as far as I knew payments were being made as planned. I tried to contact Money Lion again but still had very little luck getting a hold of a live person, and when I did they again knew very little. I tried to pay off the loan balance online and instead of charging me for the loan, Money Lion made nine separate charges of {$36.00} on my account, causing me over {$300.00} in overdraft fees. When I finally was able to speak to someone to pay off the loan and close my account, I was informed that the {$36.00} charges were to bring me " membership '' up to date, and had nothing to do with my loan. When asked why that charge came through instead of the loan payment, the rep couldn't say. I paid off the loan with the rep and requested to close my account. I was informed the account couldn't be closed until the outstanding membership fees were caught up, so essentially Money Lion has {$300.00} of mine in an investment account that I can never get back unless I can pay the so-called " membership fees. '' I feel they are holding my money XXXX in addition to ruiing my credit report. 

I can't stress enough that I have never, not once, received a statement from Money Lion for my loan account, which by itself is questionable business practice. If I had received a statement, or any notification for that matter, the account woudl have never become deliquent. 

So no Money Lion is holding my money XXXX as well as my credit report.
Product: Credit reporting or other personal consumer reports

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf.

In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The inquiries I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I tried to close my bank account with chase bank. I initially tried to do it via customer service, but was told I had to speak to someone at the branch. 

Seeing that They offer remote services through their website to schedule an appointment for service due to covid-19 concerns, i scheduled my appointment. 

Upon requesting to cancel my account, i was told it was the " only '' service they don't offer over the phone. If I wanted to cancel i had to come in person. This was XX/XX/2020 at XXXX. 

When I attempted to go to the branch to cancel in person, they seemed willing to help, until I mentioned I wanted to cancel an account. Then it was by " appointment only '' with no appointments available without me taking time off work. 

Meanwhile, despite making it imposible for me to cancel my account, they will still charge me fees for it. 

By making the process so onerous they guarantee that I'll continue paying them fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar became the more friendlier Mr. Cooper about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became Mr. Cooper. I have been trying to get the more friendlier Mr. Cooper to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is 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 Original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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: Mortgage

I have an ARM with Wells Fargo Mortgage. Account number XXXX this week I received a mailing from them telling me that my rate will change from 2.5 % to 3.125 %. I was curious and read the document. To my surprise, the monthly principal in my payment went down from {$600.00} to {$550.00}. 

Based on that I calculated my new payment to see if that was correct. My information is as follows : Principal of Loan - {$170000.00} Rate - 3.125 % Taxes Summer - {$2800.00} Taxes Winter - {$1200.00} Insurance - {$550.00} Total Payment - {$1200.00} Wells Fargo Payment - {$1300.00} Wells Fargo has been charging more than that for years, my new payment quote for XXXX XXXX, 2022, is {$1300.00}. That is {$140.00} extra a month in that payment. This is the first time I have checked, but think they are doing this intentionally with the assumption I wouldn't check the numbers. 

I did contact them online today with a complaint and need your help looking into this to see if this is mortgage fraud. 

Best, XXXX XXXX
Product: Vehicle loan or lease

Purchased my car in XXXX of XXXX through Wells Fargo. I was told that my payments will be {$380.00} a month. I was fine with that and I made my payments every month, until I looked at my monthly statement and saw a {$20.00} late payment fee on almost all my statements. I called in to wells fargo, earlier this year and was told that i was not being charged {$20.00} late fee and that my monthly is XXXX. It still left me confused because the statement says otherwise. So it appeared that my true payment is {$360.00} but they added a {$20.00} late payment on every bill, that gets applied to the interest. There was only XXXX time I was truly late, which was when I gave birth to my daughter. I was charged {$400.00}, i paid it XX/XX/XXXX which included the late fee. That late fee on this payment went to the interest as well. 

I feel that I've been paying {$20.00} late fees for the duration of my loan to even now. XX/XX/XXXX is supposed to be my final payment. I paid my last car payment, but the system says I owe {$43.00} principal payment, but I truly owe XXXX?? How do I owe {$20.00} extra dollars? My maturity date is XX/XX/XXXX. 

This is my complaint, I feel wrongfully charged {$20.00} for each monthly payment on my car loan.
Product: Money transfer, virtual currency, or money service

On [ DATE ], I transferred {$3200.00} from my XXXX bank account to my Cash App account. Shortly after, I transferred the funds from Cash App to my XXXX account, believing I was making a legitimate investment. However, I was scammed into sending the funds from XXXX to a fraudulent XXXX wallet address. 

Transaction Details : {$3200.00} sent from XXXX to Cash App on XX/XX/year> Funds then transferred from Cash App to XXXX on XX/XX/year> Bitcoin Transactions : {$1700.00} XXXX {$1500.00} XXXX {$1.00} XXXX I immediately reported the fraud to Cash App, requesting that they investigate the transaction and attempt a recall or refund. However, Cash App has refused to help or take action, despite the fact that this was a fraudulent transaction. 

I have a case number with Cash App : XXXX I have also reported this fraud to : My bank ( XXXX ), which is actively reviewing my dispute XXXX, which has locked my account and is investigating The FBIs IC3 fraud division I am requesting that the CFPB step in and require Cash App to reopen my case, investigate this fraud claim properly, and work with my bank to issue a refund. Cash App has failed to assist me, even though I reported the fraud in a timely manner. 

Please let me know the next steps and how I can escalate this further if needed. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit card or prepaid card

I booked a Tap PXXXX flight from XXXX to XXXX on XX/XX/XXXX, later in XXXX the COVID19 pandemic hit and international travel was outlawed by the US. I reached out to XXXX XXXX to receive a refund for my XX/XX/XXXX flight because the travel ban was extended to that point. XXXX XXXXXXXX refused to provide a refund, credit, or any resolution so I then went to my Capital One Credit card dispute team. 

I shared with Capital One all of the documentation stating it was illegal to fly out of the country and that I provided the airline more than 3 months notice that I will be unable to make my trip. Capital One somehow lost the dispute and then inaccurately provided a double credit. 

I have reopened the dispute many times since XXXX and was promised on a recorded line in XX/XX/XXXX that both charges of {$950.00} would be permanent. Over 90 days then went by and out of nowhere the both {$950.00} charges appeared on my account and I was expected to pay within the next 30 days. I called and requested the voice recording be pulled and reviewed and capital one has failed to sufficiently complete that process. I even offered to review the recordings myself but Capital One has claimed the call is their IP dispute not being able to provide any documentation that proves this. 

Capital One is an absolute disgrace and is committing fraud against me and I need help to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. XXXX XXXX must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the XXXX with account number ending XXXX. This account has been paid in full.
Product: Credit reporting or other personal consumer reports

All accounts listed for each bureau that I have uploaded are NOT my accounts. I have gone thru the FTC website, also submitted my own paperwork with the 605b and 609e, attached but to no change at all. The police would not let me do a police report because they said my ID is valid which what was used to get the vehicles and credit cards, but it was not me. Please help immediately please.