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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Product: Credit card or prepaid card

I applied for a card . My credit score is  over  XXXX ! Capit al one said NO. And they would send me a letter. 30 days goes by no letter! I call and they say the y will look into it and call me in the morning 10 days ago! Still nothing! I have a business card with them for 5 year I have NEVER had a late payment and I spend well over {$100000.00} a year
Product: Credit card or prepaid card

Hello, I made a purchase on Target.com on XX/XX/2021 online and immediately called in to Target to cancel the order. I was told by Target that they were cancelling the order and the item would not be shipped and I would not be billed. The item was never shipped, as requested, but I still got billed for the item. The order information is as follows : Transaction Date : XX/XX/2021 Merchant : TARGET PLUS City/St : XXXX, Category : Household Transaction Type : Regular Sales Draft Original Amount : {$510.00} Merchant Description : Discount Stores Merchant ID : XXXX I've called several times about this and have gotten the run around over and over again, and have been told every time that I would be receiving a refund, plus any interest would be credited back to my account. I have called and contacted Target at least 7 times since XXXX and I still have not received my refund. I called on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 about this issue and still have not received a resolution to this matter. Every time I call Target tells me they will help me, but then transfers me to another department stating that the other department is required to be the ones to help me with the charge and the interest. This goes on through several departments and then finally someone says they will get this resolved and I will be refunded within 3-5 business days. This has been going on for a few months now, so it's past 3-5 business days. I just want my money back and to not be paying for interest on something I never completed a purchase on or ever received as it was never shipped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to Transunion Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

It was approximately XX/XX/year>, {$40.00},, I had to wait a few days for a response from administration.
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 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Product: Credit card

I have contacted XXXX, XXXX, XXXX and Best Buy/CBNA about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to best buy and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of 1974 has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6900.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 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: Debt collection

I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.
Product: Mortgage

We received an advertisement by US. mail from Chase Bank informing us of a lower interest rate and lower monthly mortgage payment. The year was either XXXX or XXXX, I 'm not certain.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Money transfer, virtual currency, or money service

Dear Sir / Madam, I would like to draw your attention to XX/XX/XXXX- I had sent my complaint letter to Coinbase Inc, in which I clearly stated how this scam has affected me personally, psychologically and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Coinbase never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. Overview : It is well established that victims with some characteristics of vulnerability may be more likely to fall victim to scams, including misleading Online financial advertisement. They may be specifically targeted through unsolicited approaches, more trusting or more likely to be persuaded to disclose personal financial details. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurising circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible once theyve got a hold of your funds. Likewise, financial institutions should consider their role in society and the responsibility that falls upon them to ensure the integrity of the financial markets, both when sending and receiving money. Firms have an obligation under the Anti-Money Laundering Regulations to take appropriate measures to ensure that their employees and agents are made aware of the law relating to money laundering, and XXXX financing ( and to data protection ), and are regularly given training in how to recognize and deal with transactions and other activities which may be related to money laundering or XXXX financing. 


Please refer my attachments.
Product: Checking or savings account

I opened a account with 5/3rd bank in XXXX nc the same day I deposited a check for XXXX $ i pulled funds from my XXXX to help with moving expenses and they froze my account funds because a past claim on my XXXX report so they waited until after the account was open and waited 2 days to freeze all funds deposited the check was verified I showed statements Im pretty sure they called as well and there giving me a run a around to release my funds Ive been to the branch 3 times in a week they tell me I can have my funds over the phone so I go into the branch an they call the same number and tell me it has to get approved by there supervisor at a call center me an branch worker waits an waits an then tell me the same line someone has to verify an will call me back they wont release my funds one minute I can then when I get to the branch someone else tells me no from the same department and for me to keep the account they want me to show documentation from XXXX XXXX a bank which Ive never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of the illegal actions of Toyota Financial Services in reporting a Charge Off of an account included in a XXXX bankruptcy that was discharged by the courts in XXXX by a judge. I demand that Toyota Financial immediately alert ALL 3 credit bureaus to have this illegal account removed as required by federal law. Most troubling is that this illegal account was only recently reported in XX/XX/XXXX and has severely negatively affected my credit score. Toyota has fraudulently made it appear that this account was a 4 month term and is past due for XXXX with an owed balance that was closed in XXXX by a federal bankruptcy judge. Toyota Finance maliciously and fraudulently reported to the credit bureaus that I have a recent charge off and reported this debt as active as of XX/XX/XXXX which is included in my bankruptcy in XXXX and discharged in XXXX. They have caused my excellent credit score to fall 300 points from nearly 800 to junk credit. I feel that damages should also be paid for Toyotas fraudulent actions that have negatively affected my credit in violation of federal bankruptcy laws. 

TOYOTA MOTOR CREDIT. 
Negative Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$6500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$24000.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Highest Balance {$0.00} Terms 4 Months On Record Until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 
These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. 
IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.com
Product: Credit card or prepaid card

Purchased windows and installation agreement with XXXX XXXX on XXXX XX/XX/XXXX for 5 windows. 
Received call on XXXX XX/XX/XXXX that grid pattern could not be made ; would call me back in XX/XX/XXXX to provide update, but never called me back. 

Installers came to house on XXXX XX/XX/XXXX with 5 windows. Grid pattern did not match 3 windows. I did not accept windows. Installers did not install these windows. Installers took these windows with them. Installers only installed 2 sidelights. I called XXXX XXXX while installers were at my house and they told me they would write a note on my account that I did not accept windows due to wrong grid pattern. I sent an email to XXXX XXXX as well. I contacted XXXX XXXX several times between XXXX XXXX XX/XX/XXXX, nobody called me back. I disputed charge. I have tried to followup with this case multiple times with XXXX XXXX customer care, but I have not been successful. Sales manager, XXXX XXXX told me that he was going to refund me, but then stopped the process and stopped communication when I wouldn't drop the dispute. The installation manager named XXXX called me at some point and mentioned he had to talk with another manager, but never called me back. Please be aware, this was a second order of windows of XXXX XXXX I purchased with a problem. It is unclear why this can not be resolved.
Product: Debt collection

They wont stop reporting to XXXX XXXX  and XXXX already took off. It has been 9 years since the card was charged off
Product: Consumer Loan

I am a victim of Identity Theft, and I notified  Ford  more than once, asking for copies of any signed documents. I have not received this proof, after multiple requests.
Product: Debt collection

The alarm company was notified by phone to cancel this account before renewal. They required a letter which was sent, not authorizing future monitoring. I was not notified that they were still monitoring our system for the following YEAR. No notification was received until I saw a collection on my credit and contacted them. They said they had no record of the cancellation. After not receiving any type of payment, why would they continue monitoring for such a period of time? This account was canceled and closed. Also, the dates of monitoring and when they say this collection was due, do not coincide. I have reported this to another credit bureau and it was taken off my credit report but XXXX  says its my responsibility. I also believe this is a different collection agency reporting than the original one. So the tactic has become to just change agencies who report to a different credit bureau to keep pressuring for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX FREEZE OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation
Product: Checking or savings account

My account was closed because someone else tried to deposit a check into my account through the mobile app without my permission and I told the bank that I wasn't the one that deposited the check through the app because I never use the app to cash or deposit checks i always go to the bank directly or to a check cashing place and it's because of all the identity theft going on.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX # XXXX -XXXX XXXXXXXX  # XXXX -XXXX XXXX XXXXT # XXXX
Product: Debt collection

On XX/XX/2020, I established a settlement amount with Midland Credit Management to pay off my debt for a lower balance of {$1900.00}. This settled and closed my debt. Today on XX/XX/2020, I received lawsuit papers at my old address stating that they were suing me due to not paying the debt. However this paper was dated on XX/XX/2020. 

I have both bank statements, proof of closed debt account on their website and a new settlement amount confirmation sent by Midland Company. 

I am unsure what to do about the lawsuit, I dont want to pay for a lawyer to defend a debt that is already paid.
Product: Credit card or prepaid card

AFTER REVIEWING MY RECORDS I FOUND CHARGES ON MYCREDIT CARD I DID NOT APPROVE SO I CALLED WELLS FARGO AND LET THEM KNOW. THEY PROMISED I WOULD HAVE THE CREDIT WITHIN 7-10 DAYS, AFTER 14 DAYS I THEN CALLED AGAIN AND THEY SAID THJAT THE FIRST PERSON I SPOKE TO NEVER PUT THE FRAUD CLAIM IN SO THEY THEN TOOK THE CLAIMS AGAIN FOR XXXX XXXX XXXX {$2100.00}, AND XXXX XXXX XXXX {$790.00}, XXXX XXXX XXXX {$740.00}, AND XXXX XXXX XXXX {$39.00}. THEY SAID IT WOULD BE RESOLVED AND I WOULD BE CREDITED IN 7-10 DAYS THEN A FEW DAYS LATER I AM TOLD THAT IT IS TO OLD, AND THAT THE COMPANIES CLAIM THAT IT WASNT FRAUD. FOR STARTERS BEFORE I CALLED I DID RESERCH ON EACH COMPANY TO MAKE SURE I DIDNT KNOW WHO THEY WERE AND MOST ARE SCAMS THAT ARE NO LONGER IN BUISNESS SO HOW COULD THEY SAY THAT I OKED THE CHARGES AND SECOND IT SHOULDNT MATTER HOW OLD THEY ARE I DID NOT APPROVE THEM AND MY BANK IS SUPPOSED TO COVER ME FOR 7 YEARS. HONESTLY I FEEL AS THOUGH I AM BEING BRUSHED ASIDE ANDI WILL NOT STAND FOR IT.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Barclays Bank Delaware via XXXX. 

XX/XX/year> I didn't authorize XXXX to send Barclays a request for a credit card. 

I would like the hard inquiry removed from my XXXX report.