23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I receive an offer by Wells Fargo through a direct email, offer was simple, open a checking account get direct deposits of XXXX or more monthly for 3 months and after 45 days receive the bonus of {$400.00}, I went to a banker with this code and he opened my account, gave him my SSN, passport and he confirm that I was eligible as long as the requirements were met. I fulfilled the requirements on XXXX and went last week to see how the process was going, they told me that everything was alright but they needed a W-9, I told them I was not a XXXX and they told me they could not give me the offer anymore. 
I received this same type of offer from XXXX on 2017 and had no issues, they also knew I was not a XXXX  by the time I opened my account, to proof this I applied for a credit card with the same banker that opened the account on the same week I opened the checking acc and the banker told me I was not going to get the credit card cause they only gave those to american XXXX but would not hurt to try. 
Considering this false advertisement and bad managed situation I believe my case is funded and that Wells Fargo is not fulfilling his promotion, as it as not done in the past, this bank has a bad history of this situation on the news, as I am sure you are aware.
Product: Vehicle loan or lease

On XXXX XXXX,2017 CFPB had sent me a response from XXXX XXXX AKA XXXX XXXX about the discrepencies in the application of payments on this loan, have paid 27 payments on a loan at 13.9 percent interest, totaling XXXX monthly payments XXXX I got behind and then made a lump sum payment to company. The representative sent a ledger of in consistent applying of payments to my loan. They can never give a clear answer or audit the loan by reapplying each payment to clearly adjust the balance, In good faith after I filed my last complain a person from the company responded to you, they stated in this document they would adjust good faith XXXX off the loan balance which they did not do, they further were to do a deferrment and bring the account current so I could resume the loan, after you posted the response I waited to here from the company. I never received any communication directly and when I tried to call the person who replied to the complaint I was transferred to collections demanding lump sums of money or they were charging off the loan and repossessing the vehicle, as of date I have tried to get this loan resolved and no one is working with me. I feel I am going to be forced into legal action to protect my rights, and have this company forced into a repayment plan with me.
Product: Debt collection

my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear XXXX XXXXXXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft fraud laws, specifically North Carolina General Statutes Chapter 75, Article 2A, Sections 75-60 through 75-66. 

It has unequivocally come to my attention that XXXX XXXXXXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, North Carolina state law emphasizes the necessity of consumer consent for credit reporting. North Carolina General Statutes Chapter 75, Article 2A, Sections 75-60 through 75-66, establish clear guidelines for the fair reporting of consumer credit information. These statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX  XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Chapter 75, Article 2A. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX  XXXX bankruptcy XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.
Product: Debt collection

Company name : AMSHER COLLECTIONS Account Number : XXXX *Date fraud began : XX/XX/XXXX *Date I discovered it : XX/XX/XXXX Company name : XXXX Account XXXX : XXXX *Date fraud XXXX *Date I discovered it : XX/XX/XXXX *Fraudulent amount = {$3400.00} Company name : XXXX XXXX  Account Number : XXXX *Date fraud began : XX/XX/XXXX *Date I discovered it XXXX *Fraudulent amount = {$560.00} Company name : Account Number : *Date fraud began : *Date I discovered it : *Fraudulent amount =
Product: Debt collection

I have A XXXX collection with diversified adj. svc from originator of XXXX but the account does not belong to me and I spoke to XXXX about this account in collections and they notified me that they have no information of this account in my name or responsibility yet it is reporting on my credit report as a derogatory collection account and my only conclusion is this is a fraudulent account
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Credit Reporting by XXXX XXXX XXXX *Date : * XXXX XX/XX/year> *Loan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject : * Inaccurate Credit Reporting by XXXXXXXX XXXX XXXX I wish to file a formal complaint regarding the erroneous credit reporting related to my loan, number XXXX, by XXXXXXXX XXXX XXXX on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by XXXX XXXX own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with XXXX XXXX XXXX XXXX The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

Yours faithfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the account!
Product: Credit card or prepaid card

This account is not my account and I don't know who's been using this card or paying on it but its not my card. I've called Chase over and over but they haven't taken any steps to remove this from my credit report. Please remove this card from my report.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX : CapitalOne blocked my account for alleged fraud. I was the one making the charges and used their app, email and text security features to approve charges. They then asked me to call # on back of card as my account was blocked until reactivated. I did and they told me that I would need to upload a copy of the front/back of my govt issued ID to verify my identity. I objected as they have more than sufficient information to verify me with existing system and I did not want to now also add my image and likeness. I indicated I would be happy to verify any other way but didn't feel comfortable with them having a picture on file. They've now blocked me from transactions on my account -- except payments -- until I provide this. I am, in essence, being held hostage by the credit card company. 

ADDED DETAILS : If this was about MY security, they would recognize that IF my purse had been stolen, the thief would have my phone and wallet -- which would have both my card AND my ID. Asking the thief to upload, fax or email a copy of the ID would not ACTUALLY verify they are speaking to me. It would simply verify the person with possession of the ID is the one they're speaking to. 

Additionally, I offered the following : XXXX. to answer any number of security questions from info they have on file ; 2. to send them a signed, sworn Affidavit from a notary would would have seen me and my ID in person and attested and notarized to that effect ; 3. use of a 3rd party system like ID.me to verify my identity ; and/or 4. presenting myself in person at their local CapitalOne cafe with said ID.

They refused indicating that my sending them the image was the ONLY option.Again, they are holding me and my account hostage and there is no actual SECURITY reason for it.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding my account with Square , Inc., associated with the email XXXX. My account has been unjustly frozen with a balance of {$440.00}. 

When my account was initially frozen, I received an email from Square stating that the funds would be held for 120 days before being released. However, it has now been over 270 days, and the funds are still being withheld without any clear reason or prior notice. 

I request the Consumer Financial Protection Bureau to investigate this matter and assist in determining when the hold on my funds will be lifted and the balance of {$440.00} will be released to me. 

Thank you for your assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my Equifax, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # 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 rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.
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. 

XXXX XXXX XXXX ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$11000.00} 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: Money transfer, virtual currency, or money service

Paypal deducted money from our business account without our knowledge on XXXX XXXX, 2022. Paypal basically stole our money under the note " Payment to : Paypal ; PayPal 's damages caused by XXXX XXXX XXXX violation. '' They randomly debited my Paypal account balance which does not represent any pre-estimate of any losses or damages, if any. In Paypal 's user agreement, they clearly state " Violation of this Acceptable Use Policy constitutes a violation of the PayPal User Agreement and may subject you to damages, including liquidated damages of {$2500.00} U.S. dollars per violation, which may be debited directly from your PayPal account ( s ) as outlined in the User Agreement ( see Restricted Activities and Holds section of the PayPal User Agreement ). '' This means {$2500.00} per violation and NOT {$2500.00} per transaction. In conclusion, PayPal deducts arbitrary sums from a balance that is empty and does not represent a real assessment of loss or damage. Liquidated damages can not be calculated in accordance with the common law in a manner that turns them into punitive clauses rather than just recompense. We tried to contact Paypal support but they are not escalating this issue. Our Paypal account balance was {$12000.00} and they wiped out the entire account.
Product: Debt collection

CFPB closed my previous complaint on XXXX for whatever reason and then the same company, FINEX Group XXXX XXXX XXXX XXXX XXXX XXXX called again saying I owed a debt? I NEVER received anything in writing from anyone for a debt. I have NO Debt, No mortgage, No Car, No credit card, etc. Their Web site says their address is Permanently Closed. Please put these scammers in jail.
Product: Debt collection

On XX/XX/XXXX, this company who I have NEVER heard of just added themselves to my credit report without sending me ANYTHING. This company is a fraud and you can tell based on the reviews online. I do NOT own ANY of these debts and they need to remove themselves.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

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 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