23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Colonial Auto Claim they were giving my consent to furnish such inaccurate information on my consumer report. The so-called proof that's provided isn't Verification or Validation due to the fact that you are a debt collector aka non-affiliated third party and you also have my non-public personal information which is identity theft. I never gave you the elaborate mechanism written consent to use my personal information. That is violation of my privacy. According to Tila ( Truth in Lending Act ) aka Regulation Z you are in fact in VIOLATION due to unlawfully furnishing inaccurate deceptive information knowing such furnishing would create false beliefs, Also there are plenty of violations within the contract lets like the down payment its against the law to mix a consumer credit transaction with Cash. Apr as well not supposed to go past 10 %.

Also what securities were given to your corporation?

The extra charges as well any extra charge such as : shall be within the finance charge. The finance charge includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the CREDITOR as an incident to or a condition of extension of credit. So who's credit is it really?
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry can't get anyone one the phone nor can I dispute online.
Product: Credit card

These accounts were fraudulently opened or inaccurately reported and are not mine. However, I chose to settle them to clear my report and obtain credit. Additionally, there are several unauthorized inquiries on my report. 

XXXX XXXX XXXX  Services Account # XXXX ( XXXX Account ) XXXX. XXXX XXXX Account # XXXX ( XXXX XXXX ) XXXX XXXX XXXX  Services Account # XXXX XXXX. Inquiries from : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Contact company multitude times over 4 years and send documents of lawsuit papers of the amount XXXX and the original owner of debt. Breached its own contract by charging improper fees.
Product: Money transfer, virtual currency, or money service

Cashapp will not give me a new card and is ignoring my request for one
Product: Debt collection

I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.
Product: Checking or savings account

Wells fargo and XXXX calls me everyday regarding owed balance which dosent belong to me
Product: Mortgage

On XXXX XXXX 2016 I sent in my monthly payment for XXXX 2016 in the amount of {$3400.00}. Ocwen received that payment on XXXX XXXX 2016 at XXXX. In the form of check # XXXX which breaks down as follows : ( 1 ) {$1100.00} for the regular monthly mortgage payment, and ( 2 ) A extra {$2300.00} to be applied to the principal. I had clearly stated this as you can see on my monthly mortgage coupon and at the bottom of my check. Ocwen failed again to apply my funds correctly. Ocwen applied ALL of my check to only the principal and nothing to the monthly mortgage payment. Since they did this my account still shows that I owe a payment for XXXX 2016. This is not correct. I am a month ahead on my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I noticed several fraudulent accounts has been open in my name. Please check the attachments for all reported documents and paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved and has a - $ XXXX- balance. It has been paid off with XXXX Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX
Product: Checking or savings account

My XXXX is XXXX XXXX XXXX. I used Wells Fargo in XXXX nj. I do not remember my card # or account # I had to close my account atleast a year ago. I had to pay ridiculous amounts of fees totaling thousands of dollars which put me further behind in my bills. Ss # is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX is reporting 2 invalid medical debts as collections on my XXXX credit report. I have filed a dispute with XXXX and I'm awaiting and answer. This company knows that these debt are invalid yet posts them to my credit report anyway. Please have this company remove these items from my credit report. Thank you!
Product: Debt collection

I do not have any open accounts with this creditor. I did, but settled and paid it off many years ago. I am upset and confused as to why this is appearing on my account all of a sudden.
Product: Checking or savings account

After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts -XXXX XXXXXXXX XXXX XXXX Account NumerXXXX XXXX XXXX XXXX- Account XXXX XXXXXXXX XXXX XXXX XXXX Account Number-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. Experian refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.
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 violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX  acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX  acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. Axcess Financial is deleted off my XXXX but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Axcess financial XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are incorrect personal details on my profile. Kindly review all documents that contain my accurate and correct information.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates has purchased an account from XXXX XXXX that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting the creditor Navy Federal Credit Union to inquire about the account in question and was told they don't have any legitimacy or verifiable information that ties this account to me. When I spoke to a representative I asked if they have any kind of contract, full account number, and/or my full SSN associated with this account and I was told that it has been transferred to another company called The XXXX XXXX based in California. I then proceeded to call The XXXX XXXX about the erroneous account and was told they only have a partial name of said person with the charge-off account in question. I then asked could you produce any legitimacy or verifiable information in regards to my full legal name, Full SSN, full account number, or a contract with a wet signature of mine with this erroneous account? They told me they do not have that information and to call Navy Federal. I have been getting the runaround with Navy Federal and The XXXX XXXX about this account. I tried contacting the Credit Bureaus as well which stated according to Identity Theft pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) stated that account needed to be deleted in 4 days if they can not produce verifiable documents associating me to this account. XXXX has deleted the account, but XXXX and XXXX have failed to do so. Ive also filed a Mistaken/Identity Theft report with the Federal Trade Commission ( FTC ) to expedite this, as I attached a copy of that report to this e-mail to get this deleted/removed from my credit report.
Product: Credit reporting or other personal consumer reports

An Inquiry from XXXXXXXX XXXXXXXX on my report is incorrect and I'm asking for an adjustment please ... thanks
Product: Debt collection

XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.
Product: Vehicle loan or lease

Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/2022, Twice on XX/XX/2022 and once on XX/XX/2022 and consumer credit transactions were completed with Capital One National Association on XX/XX/XXXX, twice on XX/XX/XXXX and once on XX/XX/XXXX of 2022. Capital One National Association denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 )
Product: Mortgage

I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.
Product: Debt collection

Unknown account and no verification on file. Also need to make sure I am XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below are the names of the companies and the dates on which I acquired the inquiry. 

XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Because Experian wont properly investigate my dispute, XXXX XXXX XXXX ( # XXXX ) is reporting fraudulently on my credit. My identity was stolen and I never signed a contract to allow XXXX XXXX XXXX to access my credit report in the first place. When i disputed the account, Experian responded that the debt is verified. I asked several times for the documentation used to verify this account and I never got any response. With this account, Experian is violating my rights by : * Failing to investigate and correct inaccuracies in response to my dispute * Failing to conduct a reasonable investigation when verifying information with a data furnisher * Reporting inaccurate information about a consumer 's credit history. 
* Allowing unauthorised access to a consumer 's credit report For violations related to failing to investigate and correct inaccuracies or failing to conduct a reasonable investigation when verifying information with a data furnisher, I am entitled to recover damages. 

I am prepared to work with Experian in good faith to resolve this matter amicably. However, if a satisfactory resolution is not reached, I am prepared to pursue legal remedies available under the FCRA to protect my rights.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX