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

I am writing to formally notify you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of certain accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts and inquiries were impacted by the breach, and I assert that they were opened or made without my authorization : Accounts to be Blocked and Deleted 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 XXXX
Product: Debt collection

I contacted ability recovery services on XX/XX/2023 to follow up regarding a direct dispute I submitted to there company requesting evidence of the collection item that's appearing on my consumer credit report, I also informed them that the item or collection item is the result of identity theft and I have not established this medical bill in my name I was informed by them that they sent an invoice to an address that I have never been associated with and that was the proof and I was hung up on by there representative I submitted an identity theft affidavit and formal dispute letter on XX/XX/2023 and was informed by XXXX that the information provided was accurate and correct as result the fraudulent collection item still remains on my credit report.
Product: Debt collection

Accelerated Receivables Management ( ARM ) predatory collections agency trying to collect for XXXX XXXX XXXX ( XXXX ). This has affected thousands of people. 
XXXX was convicted in court for insurance fraud and went bankrupt. 
Article : XXXX XXXX XXXX I was called and told to pay an unverified debt with no documentation available. Caller said my credit was affected. I was never notified. Caller had wrong contact information for me which is why I never received notice. I verified my credit WAS actually affected as delinquent. All for a couple hundred dollars. How can this be legal? Possible fraudulent collection practices for Washington State. I attempted to call a few times and was met with arrogant, belligerent and threatening attitude and was hung up on repeatedly. These people need to be reigned in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Invasion of privacy publishing my consumer information without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three major credit reporting bureaus several times in regard to this matter, that being XXXX XXXX XXXX demanding debt validation. They continue send me letters stating it has been verified without providing me proof i.e., a document bearing my signature entering into any agreement with XXXX XXXX XXXX. I am only asking them to do what is required under the Fair Credit Reporting Act, that they provide a document bearing my signature wherein I have agreed to do business with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

JPMCB Card shows thst i make a late payment on XXXX, XXXX, XXXX and XXXX, it is a wrong information on my credit report..
Product: Credit reporting or other personal consumer reports

My information was included in two XXXX data breaches. XXXX removed my military service information in the XXXX XXXX XXXXXXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, XXXX added an old address to my credit report, yesterday without my consent. 

Re : XXXX, XXXX XXXX, XXXX and XXXX XXXX : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as XXXX violations and violations of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to my credit report.
Product: Checking or savings account

I have contacted Bank of America +10x in person and over the phone about blocking my hard. My card has been blocked at doctors, pharmacy, grocery. I sat at the store for over an hour yesterday as Bank of America chose to discriminate against me and prevent me from accessing my money
Product: Money transfer, virtual currency, or money service

XXXX took my money without my consent on cashapp
Product: Consumer Loan

My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately not XXXX consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX I finance a XXXX XXXX XXXX truck with credit acceptance corporation. Included with the finance charges should have been the premium but was not, I had to purchase a separate insurance from the finance charge. And the the law says anytime you finance a vehicle the premium should be included in the finance charges.It was not, so therefore Im demanding compensation for violating my right as a consumer.Im demanding compensation for the premium, compensation for violating my right as a consumer and also deletion of all consumer reporting agency and the title to the XXXX XXXX XXXX truck. Based .on the law it makes the contract null n void by deception.
Product: Debt collection

I pulled my credit report and notice that there were things on my credit report that didn't belong to me I disputed on XX/XX/XXXX the things that didn't belong to me I have yet to hear from anyone.I followed up with the credit Bureaus on XX/XX/XXXX nothing has be sent to me regarding the account that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 XXXX not furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has took more than 30 days to complete their investigation and still has not removed the items disputed from my report! None of the agents act like they know what Im talking about when then call! Transunion has also reinserted a XXXX XXXX account that was removed from my consumer reports! This is a violation of federal law pursuant to 15 usc 1681i. 

Transunion has also failed to remove accounts XXXX XXXX Card Service and XXXX XXXX XXXXrom my consumer reports and it has been well over the investigation time. 

Transunion has also failed to remove two inquiries from my consumer report after I submitted a FTC report weeks ago! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Funds were drawn from this account in my name without my consent, and I did not benefit from it in any way, shape or form.
Product: Debt collection

By law with the debt of my credit card already been paid already once it goes to charged off its paid. why are they still trying to get it paid? I contacted the company also to send me a 1099 for my taxes purposes also.
Product: Debt collection

On XX/XX/XXXX I was told that I had a collection. I was never notified before hand about any debt. 

They automatically put something in collections without my knowledge
Product: Mortgage

I am XXXX XXXX and have been banking with Wells Fargo for decades. I wanted to refinance my home and decided to give them my business. My credit score is near 800 and my income is approx 400K annually. They pre-approved me and we began the process in XXXX of XXXX. After charging me for an appraisal and causing me to incur other expenses, the notified me in XX/XX/XXXX that i did not have the income to justify the loan, which is a flaw in their system. 
I have since refinanced with XXXX with ZERO issues as they have confirmed my income as what is stated on my tax returns. 

I have asked Wells Fargo to refund my {$580.00} for the appraisal and {$250.00} for the subordination fee and they have refused my request. 

My experience with them has been terrible. It blows my mind that they are willing to treat a customer such as myself this way - I have been there decades and have large deposits in my accounts. If they are deciding to treat small business owners this way, then perhaps small business owners should consider different banks.
Product: Mortgage

I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX closed my account due to car was totalled it has been paid off by my insurance Claim XXXX
Product: Credit card or prepaid card

Citi allowed someone to change the address on my account to the following address XXXX XXXX AV, XXXX CA XXXX. I have never lived at this address, and I have never lived in California. The change likely occurred after issuance of my Billing Statement ending XX/XX/XXXX, and before the issuance of the Billing Statement ending XX/XX/XXXX. Enclosed is a copy of the Statement ending XX/XX/XXXX, which contained the fraudulent address. Citi has refused to remove a {$540.00} fraudulent charge for the purchase of tires at or from a store in XXXX. 
As of this submittal Citi has not explained how, when, and why my home address was changed and Citi never notified me of the address change.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.
Product: Checking or savings account

BOA OWES ME {$430.00}, since XXXX XXXX. Don't understand why BOA would accept an incoming credit on a closed inactive account from XXXX INSTEAD OF REJECTING IT. I have reached out to the bank several times having to keep explaining my story over & over and no resolve or check. which I've told them several times and updated my address with them since. I'm tired of getting the run around about my money & can't even hardly afford gas & buy groceries. This freaking bank don't care about people. 

The sent a check back on XX/XX/2022 to the wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report incorrect information. The appear to let XXXX XXXX ( XXXX XXXX ) and XXXX XXXX list incorrect items on my report. 

XXXX XXXX has failed to follow two mandated court orders which I provided proof to transunion via XXXX XXXX. 

XXXX failed to uphold the decision made in the hearing with MPSC " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XXXX https : //www.michigan.gov/mpsc/XXXX XXXX XXXX DTE failed to uphold the decision made in the hearing with MPSC  " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XX/XX/XXXX. https : //www.michigan.gov/mpsc/XXXX -- XXXX I believe I fall into that category as this company has continuously billed me incorrectly. I moved out of my small 1BD apartment on XXXX XXXX in XX/XX/2018, before this I was living with my fiance and barely used electricity as I was barely home. I also completed a stoppage of service using XXXX 's own online start/stop portal. I also have paperwork from my old apartment detailing my exit. XXXX presumably continued to bill even when I was no longer a tenant there. They claim they have no knowledge of this. But I'm aware I can subpoena for their history and I can have xfinity provide me the data of time that I accessed the XXXX portal to cancel my service. I also have proof that they did not credit my account properly as agreed to during the MPSC hearing as XXXX XXXX stated my account hadn't been credited. XXXX XXXX  is in direct violation of a court order and the Fair Credit Reporting Act. I also wish to seek damages XXXX XXXX XXXX XXXX has erroneous reported late payments and has not provided a ledger or responded to our audit to validate this. I have proof via emails and receipts of their negligent nature in regards to billing.
Product: Money transfer, virtual currency, or money service

The Company is Coinbase. About a year ana half ago I opened a Coinbase acct. I transferred through time {$500.00} into this acct. Our computers and phones were hacked and the FBI told us to get a new computer and new phones. We did this and contacted Coinbase to update our information. It has been XXXX weeks with me  contacting Coinbase numerous times. Finally, they responded telling me I could not change the phone number and email address on my account. I should open a new account and balances would be transferred to the new acct. I did that and notified them of my new acct. They never responded and after a couple of weeks I went onto the Coinbase Website and both of the accts had disappeared along with my money.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX Please read the sequence of events and the change in requests from requiring a Notarisation and stamp duty fee. 
Specifically Subsequent to the payment of US {$11000.00} processing fee I was then requested to pay US {$71000.00} being a Notorisation fee and Stamp duty. Prior to the processing fee being paid this additional payments was never submitted to me and you were advised that I would not pay this additional fee and I requested a refund of the US {$11000.00}. This was then reduced to US {$15000.00} from US {$71000.00} after I raised that this demand was unethical if not fraudulent. This raised a red flag. Given the suspicious nature of the revised demand I expected that you as a Lawyer would have had a duty of care to refund this processing fee of US {$11000.00}. If necessary as a Lawyer you were obliged to contact Capital one to arrange the refund. 

The fund request for the US {>= $1,000,000} amount held in escrow is in addition to the refund of the processing fee. This has been confirmed to me by legal advice. I am not getting any response from Capital one having written 3 times and this will be used in evidence if necessary.Theofficer I have communications from is XXXX XXXX of Capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft since XX/XX/. I've habitually sent XXXX and Transunion multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.
Product: Credit card or prepaid card

About 2 weeks ago I was looking for a credit card with 0 % introductory rate on balance transfers. I curently have just under a {$7000.00} balance on a card from another bank. I did some research online to find the best card for my situation which lead me to the Wells Fargo Platnium which has 0 % rate on balance transfers for 18 months. ( XX/XX/20 ) I applied online an during the application process I enter a balance transfer request of ~ {$7000.00}. I clicked through and finished the application and when I finished I was instantly approved ( with a hard inquiry ). But, the limit I was approved for was only {$1000.00}. I immediatly called to request a higer balance, obviously {$1000.00} limit will not do me much good if my only intention was transfering a {$7000.00} balance in the first place. Over the phone they told me I must wait 7-10 days for my card to arrive and be activated before I can request to have the balance incresed. ( XX/XX/20 ) Once the card arrives I speak to a rep over the phone and after 30 minutes they deny my request for a higher limit. So I immediatly cancelled the card because it was no use to me. 

In short, they advertised a 0 % rate on balance transfers with no aparent limit, during the application I gave the exact ammout I would need to transfer, they made a hard inquiry damaging my credit report, and approved me for an ammount well below what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX Balance : {$110.00}
Product: Student loan

Navient is negatively reporting to the CRA 's that I missed payments in XXXX ; however, like now, my payments have always been in either forbearance or deferment due to me being in and out of school. Also, there is an account that is now currently reporting incorrectly that should have been transferred over to XXXX from XXXX, because of being a XXXX XXXX XXXX and qualifying for the loan forgiveness program.I was told that this was not done in error and the loan needed to be consolidated - this is not true as I have spoken to XXXX on XXXX/XXXX/XXXX, and because of the type of loan it should have been transferred over with the other ones in XXXX. I am demanding that this information is updated to show that there were never " late/missed '' payments in addition to transferring the last loan as they should have in XXXX.
Product: Student loan

I was contacted by Premier Student Loans in XX/XX/XXXX about assisting me with loan consolidations and reducing my student loan balances and payments. They informed me that they could reduce my student loans so that I only paid {$5000.00} of the {$30000.00} I owe in $ XXXX/month increments. I paid their fee in 3 monthly installments and have been supposedly paying {$20.00} a month towards my loan balances since then. Today, I checked my loan payment history with XXXX and Premier has made NO payments towards the balance of my loan even though this {$20.00} a month was supposed to be paid to the balance of my loan. Today, XX/XX/XXXX I have made multiple attempts to email Premier to get my payments applied to my loan and the emails are returned as undeliverable. Their website is also " down for maintenance '' at this time. Due to not being able to get in touch with them, I have instructed my bank to stop all future payments and I intend to seek restitution for these payments.
Product: Checking or savings account

I was incarcerated on XXXX and wasn't released until XXXX. Upon being released, I noticed that my Chime account was compromised, and XXXX was missing. I immediately contacted the business chime, sending them my release report from the XXXX XXXX XXXX, providing that I was locked up at the time of all transactions, and disputing the charges. After their investigation, they concluded that no error had occurred. 
So, they denied the returns of my funds that were stolen from me and now I feel that this is wrong on their behalf because I couldn't have used my card for any reason being in jail. 


I have gone to the extent of reissuing all my cards and changing all my login information.