23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am entering XXXX XXXX with the XXXX XXXX XXXX on XX/XX/2023. I send my request to XXXX and XXXX XXXX my SCRA notification on XX/XX/2023 and received no response. I also sent the SCRA request via email and still received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Wells Fargo, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Product: Credit reporting or other personal consumer reports

This is my second endeavor 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 records 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 an alleged fraud or extortion. 
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

Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the amount of XXXX with the extra fees the car came to a total of amount financed XXXX I started my first payment of {$610.00} on XX/XX/XXXX. The amount paid on the vehicle is {$3700.00} making the vehicle total {$21000.00} Westlake Financial is reporting that the balance is {$24000.00} with three late payment history. Upon reading over the contract the car is a XXXXXXXX XXXX which I was told was a XXXX. I had to put a {$2500.00} down payment on the total payments I will have made after the vehicle paid off is XXXX making the total sale price XXXX. That was not properly explained to me upon purchasing this vehicle. I have been paying $ XXXX monthly. Under the truth in lending disclosure, this information was not properly explained to me I would have never used my credit for a XXXX, and paying XXXX is an enormous amount that is {$20000.00} extra I am paying on a vehicle in which the value is already depreciated. Also upon looking at the contract, three late payments are reported to the three consumer reporting agencies reporting late payments to the consumer report is not a part of the contract. This contract is fraudulent and was not explained by Westlake financial properly. I thought the car total was {$25000.00} and that was far from the truth I am aware that banks can not loan money and the money did not come from westlake financial.
Product: Debt collection

This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is illegally calling me and sending me fraudulent paperwork regarding an invaliddebt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is Capital One and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt.
They are also breaking laws and calling and harassing me several times a week even though I clearly
told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing emotional duress and I suffer from XX/XX/XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX XXXX XXXX XXXX . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , TX XXXX/XXXX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , IL XX/XX/XXXX ( Thursday ) XXXX using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX XXXX using man 's number ( XXXX ) XXXX XXXX/XXXX/XXXX ( Friday ) XXXX ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by XXXX XXXX XXXX, XXXX regarding this invalid debt via phone or mail. Thank you for your help.
Product: Debt collection

Midland Credit Management Inc ( MCM ) {$360.00} I received a letter from Midland with an attempt to settle a debt in XXXX  XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. XX/XX/XXXX they sent another computer generated settlement letter and failed to validate within 30 days of my letter sent and computer generated verification but no information on what I was asking them to provide me to validate this debt. XX/XX/XXXX I sent a no response letter to Midland stating again what they failed to provide me. Letter received at the XXXX  of XXXX dated XX/XX/XXXX asking me to provide them what is inaccurate.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

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

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I have the right to request an investigation into the completeness and accuracy of the information reported. The details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExeter Finance LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.
Product: Payday loan, title loan, or personal loan

We have a sizable business line of Credit and Term loan with Fulton Bank in New Jersey which was going on for 2 years. Now we had a Line of Credit enhancement request and a new mortgage loan which mishandled and and I was discriminated by the bank because I am an XXXX XXXX and my business is minority owned. Bank violated its prime duty of good faith and fair dealing. In addition Fulton Bank does not have proper controls in place which leads to serious wrong doings by the bank.
Product: Credit card

I contacted Capital One in XX/XX/2017 if I could make my payment after the due date XX/XX/XXXX to XX/XX/XXXX-she said yes, I can make up the payment in any form and she would remove my auto pay for XX/XX/XXXX to XX/XX/XXXX.Result was she removed XX/XX/XXXX auto pay-I DID NOT REMOVE AUTO PAY in XX/XX/XXXX, Cap One removed it! SHe adjusted my auto payment to DOUBLE, in which I did not authorize and I didnt know until today XX/XX/XXXX as it shows {$320.00} PENDING-NOT OKAY! I should have shown XXXX- initially years ago I set up auto pay to take out the min due. CAP ONE service rep adjusted and " doubled '' my paymt, I called Cap one immediately as they refused to remove this pending doube payment as said they could n't remove it even when they were well aware I did not authorize. Cap one rep XXXX and XXXX/manager claimed I owed XXXX and I said I do not! my min Payment is XXXX she lied and disclosed the wrong amount and told me to call my bank to stop pmt as I told her my bank will charge me XXXX as she said she couldnt do anything. This is unacceptable. I called my bank XXXX after speaking with XXXX and had XXXX on hold to tell them I had to pay XXXX fee and they CAN remove/or cancel the payment bc it hadnt come in yet. Cap one rep XXXX was on the line and she was aware of the situation and placed us on hold while I had XXXX on the line. XXXX hung up! How many times do I have to call Cap one to resolve? As they refused to remove/cancel pending transaction. XXXX was incorrect my min due XXXX as the info was right in front of her as she refused to acknowledge due amount to be XXXX, refused to remove auto pay- but new rep said let me see what I can do. Being treated unfairly and refusal to assist me is unacceptable and disclosed the wrong info as Cap one said I set up this cancelled payment in XX/XX/XXXX online as I " did not do '' -they performed this transaction, not me! Nothing but a scam to make more money off of me. If this payment isnt cancelled it will throw off my checking and I was be charged numerous fees due to other transactions coming in -I will be out hundreds if its not cancelled.
Product: Credit reporting or other personal consumer reports

I have reason to believe I am being extorted by Experian. I checked my credit report and saw that I had fraudulently furnished late payments. I have never been late.These fradulently furnished late payments are and invasion of my right to privacy.
Product: Credit reporting or other personal consumer reports

I have noticed multiple unauthorized inquiries into my credit report.
Product: Checking or savings account

On or around the XXXX of the month, I try to use my virtual card from Chime banking and it stated that the card was temporarily unavailable. So I then contacted Chime and they wanted proof of identity and the only form that I had that they wanted was in that paper. They wanted a drivers license picture and also a selfie with me holding it. I have that however, the only copy that I have is a paper copy because I recently went and obtained a duplicate license because I lost mine in XXXX. They refuse to take the paper copy. It will be another three weeks before I get my hardcopy. My check from XXXX will be on my account around XXXX XXXX. My bills are due on tXXXX XXXX. I can not wait for three more weeks because I will be evicted from my house. If I do not pay my bills, I will have no lights if I do not pay my bills I can not access my money if they will not accept my license, and even when I spoke to a supervisor, she still said the same thing I could have provided them with mail with my name and address, my Social Security card, my lease, they refuse to take any of that. They just want the hard copy of my license which I do not have so my question is what am I supposed to do about getting to my money if I couldnt even close the account out if I wanted to to go to a different bank I cant even access it to get it off of the account. So I am really confused as to what I need to be doing right now. Can anyone help me?
Product: Credit card or prepaid card

Barclays sent a random physical letter ( this was their only form of communication ) while I was traveling and out of town requesting I verify my identity within 30 days or they will close my account permanently with no chance of reopening. 

I check the mail when I return from traveling and find the letter after they closed my account. 

I then called over five times requesting to reopen my account and was denied every time, even though I have a perfect payment history for over 7 years, it makes absolutely no sense at all.

I did nothing wrong and they don't email their customers, they don't provide updates in their app or on their website, and they do not call for their customers for this, all of which I confirmed in an audio recording with a supervisor the last time I called.

I want my account reopened, this is one of the reasons the CFPB exists, it is the definition of unfair.
Product: Credit reporting or other personal consumer reports

I can not access my TransUnion account online, and TransUnion can not figure out what the problem is. 
XX/XX/XXXX - I try to log into my TransUnion account to remove a credit freeze so I can change my internet service to fiberoptic cable. Currently, the provider says there's a freeze on my accounts so they can't check my credit. I have removed the credit freeze from the other two credit agency accounts, but can't access TransUnion. 
Over several days I reset my password several times, try to set up a new account, empty the cache. I wait before logging in to see if any of these steps works. 
XX/XX/XXXX - Call TransUnion. Representative tells me that he can get into my account and that it looks OK on TransUnion 's side. With his assistance I clear the cache and reset the password. He tells me that I should wait XXXX hours and try to log on again. 
XX/XX/XXXX - XXXX later. I still can't log on. I call TransUnion. They suggest basic trouble shooting : new browser ( I switch to XXXX and reboot my computer ), clearing the cache. Representative puts me on hold to follow up on what to do. After a XXXX minute wait he tells me there is something wrong with my account, perhaps it needs to be rebuilt. Gives me a case number and says TransUnion will follow up in XXXX business days. 
XX/XX/XXXX - I haven't heard from TransUnion, call to follow up, provide the case. Rep tells me he can't see anything wrong with my account and puts me through the same basic trouble shooting. I tell him I have already done all these things with the previous representatives. I ask what the case says. He says it says there's nothing wrong with my account. I tell him I need to get into my account to remove a credit freeze. He tells me there is no credit freeze. This worries me because I put a freeze and fraud alert on all my accounts several years ago due to identity theft. He gives me another case number and says in XXXX hours a manager will call to follow up with me. 
I have no confidence TransUnion will resolve this issue because they repeatedly suggest the same solutions ( basic trouble shooting ). And they didn't follow up proactively on the last case, as promised. I am now worried that this account is compromised due to the previous identity theft, but I can't see the account because TransUnion has not solved the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said i was approved for a credit card and when I applied i got denied and i seeing that there is a law suit for that reason for credit karma
Product: Money transfer, virtual currency, or money service

Hello, we are sorry to contact you in this way. I contacted you via email but received no valid reply or no response at all. I found out that the account has been deactivated and bank transfers have been suspended for XXXX. I have completed the cooperation with the information request. Your promise to your clients is that you will review accounts within 1-2 business days and release funds within 90 days. Deadline XXXX Why havent I been reviewed or proactively contacted by email so far? Have my unfrozen funds been unfrozen? You delayed the review until now. what is the reason?
Product: Money transfer, virtual currency, or money service

Yes I got a claim on the roof for XXXX they send a check but it was in my stepmom name she died 1st the house don't even have her name on it so I couldn't cash it they sent another check with her name it so I deposited it in my bank account got home the bank called and told me they couldn't cash it well the insurance done a investigation and said the mortgage got the chack and when I talked to the mortgage people they said they ain't got it and it has been since XXXX and still my roof ain't fixed and I got mold inside on cieling what do I do
Product: Debt collection

( XXXX ) XXXX XXXX ( Date ). - XX/XX/XXXX ( Amount ) - {$11.00}, XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the Privacy Act Of 1974 this is fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter, still no action taken on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?
Product: Credit reporting or other personal consumer reports

My boss XXXX XXXX XXXX  years ago opened an account under my social at BB & T bank here in XXXX XXXX FL. A month later she fired me after confronting her with theft and fraud. When I finally got in touch with fraud, I was told that my phone number was told by XXXX the number was wrong and she gave them her number. I also had a XXXX XXXX account she opened with the same effect.
Product: Debt collection

XX/XX/XXXX @ XXXX XXXX, received a two-minute call from Financial Asset Management, where I requested no phone and to correspond in writing only. 

XX/XX/XXXX - ( still waiting for phone bill from t-mobile ). Spoke to a representative from Finacial Asset Management, I asked her why are they calling me when I requested no more calls on my cell phone. The young lady did not apologize for the call, did not say I will remove your phone she just rudely and abruptly hung up the phone on me. 

XX/XX/XXXX XXXX ( today ). I received a call from Financial Asset Management and I answer the phone and kept saying hello a couple of times and the person on the other end was quiet and would not speak. I stated very clearly Financial Asses Management you are not harassing me, and the person on the other end immediately hung up the phone. It was obvious I was documented as not to call because the person would have asked for me and would not have hung up after I made the statement that this is harrassament.
Product: Debt collection

In my recent review of my credit report for XXXX/XXXX/16, I notice Central Financial Control service reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Central Financial Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX {$360.00} Acct # XXXX {$680.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated HIPPA law . I am able to send the documents as proof.