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

After XXXX technical issues with XXXX XXXX XXXX XXXX  I called XXXX for an e-mail error whom confirmed a XXXX Cyberattack on that day suspect ( XXXX & XXXX XXXX ). With my house being vandalized, my best friend indication XXXX XXXX was working with Cybersecurity or hacker XXXX XXXX and his change in character with attempting to use a vulnerable protected adult in the Privacy of my home to coerce, intimidate, & Blackmail me I discarded my devices and ran to a hotel to file a report on the attacks and incidents to the police. As inactive Financial Advisor under non-disclosure and beneficiary ownership with Wells Fargo, the company, and/or the firm w/ independently contracted with XXXX XXXX XXXX XXXX assigned less than {$100.00} XXXX in assets I was very concerned about the intentions of the blackmail. I was kidnapped and have been held under judiciary misconduct of which i have reported to the US Marshals and several government agencies in my investagative role on suspect XXXX XXXX & XXXX XXXX XXXX & other threat actors possibly participating in a Hostile Takeover using me as leveraged buyout and extortion of XXXX negotiations against Wells Fargo seemingly resulting in a {$1.00} XXXX dollar lawsuit through XXXX. I suspect XXXX in XXXX XXXX XXXX Attacks and attempts at XXXX XXXX will they leverage this situation against my XXXX XXXX Wells Fargo Bank for extortion, Espionage, data slavery, distorted social justice causes with threats of XXXX XXXX  me if I do not agree to a misdemeanor delivered through my XXXX  XXXX XXXX XXXX 
The XXXX XXXX Clerk made an error by not submitting a No Appearance when the indictment says XXXX XXXX arrested herself. 
The Prosecutor has failed to dismiss the case for 3 years. with refusal to cooperate. I am a legal representative, XXXX XXXX, XXXX XXXX XXXX of peace initiatives. Under impunity to attempt to prohibit a Double Jeopardy and Immunity for diplomatic efforts to keep our Peace Treaties and IBTA 's Safe. 

This is obviously a reporting error because I can NOT XXXX any person willingly and knowingly committing Global Terrorism costing 5 % of our GDP per year, creating mistrust between foreign relationships and boycotting the Breakdancing Olympics and purposefully impeding and obstructing government agency operations. possibly a work for hire undisclosed or a undisclosed XXXX XXXX XXXX with XXXX XXXX from XXXX, XXXX. 

Any assistance in peacefully resolving this concern saving myself from the precursors of XXXX XXXX, organ trafficking, domestic & foreign suspicious activities, and human trafficking would be excessively appreciated with immense gratitude. 

I
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

XXXX  charge for bills after the transfer of phone number days prior.
Product: Checking or savings account

Bank of America has determined to retire the credits of {$540.00} and {$140.00} they gave me for a claim I did due to some fraudulent transactions I saw on my account, based on a none trustable prove that is completely absurd, saying that decision was made because ( Ive been before on one of the places where the fraud was committed ), and of course Ive been there and who hasnt because they are very famous places to visit here on my city, XXXX everybody has visit those place before wish os a completely absurd excuses. I want everybody to know whats happening here that Bank of America is a bank institution that doesnt protect their client against these type of events wish is a terrible problem now these days where millions of people are victim of identity theft .also Im letting you know that Ill do everything on my power to let everybody know about my case on every social network and my friend circle who most of them have Bank of America account, and trust me they wont be happy at all with what you guy did to me
Product: Checking or savings account

My citibank checking account was hacked by scammers on XX/XX/2023. They did numerous transfers and then some wires. 
I reported the fraud to Citibank within minutes but the fradulent wires had already gone out in the amounts of {$2000.00} and {$1900.00} to a XXXX XXXX at XXXX. I do not know this person and did not authorize these wires. 

Citi has recalled the wires but XXXX isnt't responding, of course because this bank has been engaged and fined for engaging in fradulanet accounts and transactions. 
Citi refuses to reimburse me for this fradulent wire activity. 

Citi 's authentication processes are woefully inadequate and there should have been many red flags sent up when these wires were done within seconds of each other to a suspect bank and as a customer for 40 years who never did any wires. 

Citi refuses to return these funds that the negligently allowed to be wired.
Product: Debt collection

On XX/XX/XXXX, XXXX appeared on my credit report. I had to do a little bit of research to see who they were. It appears that they said it is a medical collection. However once I got a notice from them. It is saying plaza service is the new creditor. Original creditor was XXXX XXXX XXXX. I have never had any dealing with either business and I believe seriously fraud is happening.. how can they list a debt I have no recollection of as a medical debt and trick me into paying.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AUDI Finance a subsidiary of VW Credit mishandling of customer account AUDI FS has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation. 

Sequence of events that transpired during this event Below are files that speak to the facts. 

In late XXXX I made a two-month payment on AUDI account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX. 
Payoff quote that customers can generate in AUDI Finance portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in AUDI portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with AUDI on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment. 
In mid-XXXX I did receive a check for the difference : {$49000.00} ( AUDI balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to AUDI {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to AUDI ) = {$100.00} ( overpayment for which I received a check for ) Subsequently AUDI Finance account was closed Between XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from AUDI about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with. 
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your VW CREDIT XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}. 
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out. 
I reached out to AUDI via AUDI FS portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report. 
I did all this ; XXXX provided the additional payment AUDI had requested and when I reached out to AUDI again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue. 
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on AUDI Finance part and what they do to their once loyal customers.
Product: Payday loan, title loan, personal loan, or advance loan

Please be advised that on the date of XX/XX/2024 after making my monthly payment, I was told that iam behind on my payments? I ask how so? The customer support employee said that I missed a payment in XX/XX/2024 yes I did point out to the Customer Support employee that I make monthly payments instead of every two weeks and that my XXXX XXXX, XXXXXXXX XXXX checking account will verify that information they said that my payments are due every two weeks totaling {$53.00} again I pointed out to the Customer Support employee that I pay once a month a total of {$100.00} which is the two weeks amount they agreed but tried to insist that I did have ( 3 ) payments due for the month of XX/XX/2024 because there are 31 days in that month I asked the Customer Support employee. What about XXXXXXXX XXXX XXXX XXXX XXXX because they also have 31 days in the month? I ended up asking to speak with ( a ) supervisor I did his name was XXXX? He would not give me his last name. please note this goes along with my first complaint with the Federal Trade Commission concerning a deceptive refinance loan. That I did not know that is was I was taking out and entering into with Oportun finance loan company I was {$960.00} away from paying off my first original loan that I use the money to buy a wheelchair. XXXXXXXX XXXX XXXX XXXX XXXX & Im in disbelief at how some companies operate and Im in need of some assistance concerning what my next steps should be because Oportun finance loan company has tacked on late charge fee fees for the sum of {$35.00} on top of what they are saying? That I missed a payment of {$53.00} in the month of XX/XX/2024. My first complaint number is with FTC is XXXX Any assistance would be greatly appreciated Thank you, Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the money was sent to the " XXXX XXXX XXXX '' agency, paying in cash the amount of XXXX dollars, which were XXXX for the shipment and XXXX dollars for the service. Normally the money arrives within an estimated time in which it appears on the shipping ticket. The money I sent has not arrived as of today and they have not returned the money to me ( today is XX/XX/year> ). After a week of not meeting the estimated shipping date. I decided to call the agency and they have not been able to give me information and told me to contact the main company for which they work to make shipments.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a friend through XXXX and she asked to borrow money. I asked her a few questions to verify it was her and she answered correctly. I sent XXXX using my XXXX app but through Zelle to someone she needed to pay ( XXXX XXXX ) because apparently her account was frozen and she was dealing with it. Days later I found out her account had been hacked.
Product: Mortgage

Through my XXXX, XXXX DE XXXX, i entered into a loan agreement with Lima One Capital for {>= $1,000,000} subject to certain terms and conditions. Lima One provided and we signed a term sheet that included details on the loan including ; term, amount, interest rate, and prepayment penalties. I was also informed verbally that i could prepay up to 20 % of the loan each year without penalty, this was later confirmed after the loan closed via email. The loan documents provided to me incorrectly detailed the prepayment penalty and omitted the 20 % paydown feature. I raised the issue with the legal department who admitted to the mistake and agreed to change the prepayment penalty terms but not to honor the 20 % paydown feature. Also since Lima One has contractor XXXX to handle the loan servicing, Lima One through its servicer ( XXXX ), has not honored their obligation to service the escrow account. They have not paid taxes on time nor insurance, which has resulted in late penalties with the cities as well as affecting my other business endeavors within those cities, as i am considered a delinquent tax entity. They have also allowed insurance policies to lapse because of non-payment even though my agent and i have provided them with 2 months advance notice of pending renewals. I have attempted to resolve these issues with both Lima and XXXX but if i am able to reach a representative i receive apologizes and confusion, but no resolution.
Product: Debt collection

During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with Sterling Jewelers. I have no consumer credit transactions with XXXX XXXX XXXX and did not give XXXX XXXX XXXX permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX XXXX XXXX XXXX communicated to CRA 's of alleged debt and it impacted my credit score in a negative manner.
Product: Checking or savings account

Once again, BofA has refused to follow my instructions to make a payment on XX/XX/year>, to XXXX to cover my credit card payment. 
This will lead to unnecessary fees. Bofa chose to send a check in the mail instead of an electronic transfer, in order to benefit from my cash position and capture the float, obviously. This is uncommon, according to XXXX. 
XXXX has still not received the funds.
Product: Credit reporting or other personal consumer reports

I spent a very long time Negotiating and getting my timeshare canceled. XXXX has agreed to cancel my timeshare however, my credit report does not reflect that. I specifically hand wrote a letter to Trans Union explaining this to them, and they sent me a template letter responding saying that they did not believe it was me. 

First of all I hand wrote the letter second of all, I signed the letter, third of all, I sent all of my information with the letter. They Found a way to avoid the law and not do what theyre supposed to do. They are supposed to be doing their due diligence and doing what it takes to remove the negative and erroneous items off of my credit report but instead they send me some template response that is full of XXXX. 

They want to call and do it online dispute why would I do it online dispute if Ive already taken my time to write a letter and dispute the situation. Why would I take my time and call and do a dispute if Ive already taken my time to write a letter and dispute the situation. 

They should do exactly what theyre supposed to be doing, which is validating the day and obtaining the documents that the debt is valid, which they can not. 


Continue to go above and beyond to betray the people and monopolize off of people and continue to post items. Continue to basically allow people to steal our identity. Continue to sell our information continue to rob us and I am sick and tired of them. 

At this point they are playing with my life and there are things that I am trying to achieve purchasing more real estate, and Im not able to do so because they continue to report erroneous items on my credit and they failed to even respond to my letters and I dont appreciate it. 

I am not working with the third-party. I am representing myself in this matter, and if that doesnt work, I will get a lawyer to represent myself in this matter but at this point, they need to be held accountable for all of the things that they are putting people through, the money they are costing people. 

Trans Union continues to disobey the law of the CFPB the FTC & the FCRA
Product: Debt collection

I signed up with the .001 % loan rehabilitation program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navient for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the XXXX representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. XXXX XXXX XXXX XXXX misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked XXXX about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i sent a letter requesting verification of inaccurate accounts listed on my credit report. I didn't receive a response so I sent another letter on XX/XX/2020 asking them to do the same again. I still haven't gotten a response. it's been 3 months.
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 1681 s 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 have an auto charge from XXXX XXXX which was {$6.00} a month. 

On XX/XX/2018 and XX/XX/2018 Barclay received {$6.00}, a total of {$13.00}. 

So, I had a credit of {$6.00} on my account. 

Now this credit disappeared on my next statement. I should have had a credit carryover.
Product: Credit reporting or other personal consumer reports

XXXX - Date opened XX/XX/2022 Account : XXXX I NEVER APPLIED FOR THIS ACCOUNT
Product: Mortgage

NEED COPY OF APPROVED MODIFICATION XX/XX/2023. NEED TO TALK TO INVESTOR DIRECTLY OMBUDSMAN DEPARTMENT. NEED PHONE TO SEND IN XXXX XXXXXXXX INFORMATION.