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

I buy car form XXXX XXXX new car. Dealer finance thru Nissan Moter acceptance crop. I was paying my on time I am never late, also dealers finance guy insist me buy gap coverage I buy that as he Says if in case car total loss then your insurance company pay value at time of incident car price remains will covered by gap company. I had total loss my car on XX/XX/XXXX my insurance company paid Nissan motor acceptance corp {$15000.00} I owe {$18000.00} estimates. I called gap company to calm total loss they paid only XXXX I have to make additional {$710.00} payment. In this matter I call Nissan financial acceptance for reslut this close as fully paid. Theirs customers service agents Make notes to next team never contact me I feel that Nissan moter acceptance and XXXX XXXX XXXX guy I feel lost tress and cheating and wasting my Time Now I need from Nissan moter acceptance form {$7000.00}. Which covers my tress Next time they dont cheat No once
Product: Credit reporting

My mother 's name appears on my credit report and I 'm not sure if any of the accounts that appear are hers.
Product: Credit reporting or other personal consumer reports

There has been fraud transaction account since last month and it's still sitting there. Not sure why the company is giving me a hard time, does anyone else have an issues with the company regarding these issues? or anything type of issues?
Product: Credit card or prepaid card

On XX/XX/2022 I directly contacted XXXX, XXXX CA, regarding reservation and to inquire about better pricing than I viewed on-line. I was informed of the {$88.00} per nite special and that I must pay in advance to receive that special pricing. I accepted and paid for two nights, XX/XX/XXXX an XXXX for a total of {$200.00} and used my Capitol One master card. Check in time was XXXX PM. I received a reservation confirmation. ( attached ) I became ill and called to cancel on XXXX XXXX at approximately XXXX am. I received cancellation confirmation, ( attached ). Upon receipt of my bank statement I saw that I was still charged {$200.00}. I disputed with Capitol One and provided both XXXX confirmations. Capitol One provided a provisional credit but then re-charged it and stated to me that XXXX cites it's 'Terms and Conditions '. As such, they could no longer assist me with the dispute. I demanded that they honor their guarantee to never charge a client for a service not received. I also asked to see what Terms and Conditions Capitol One referred to because I never received any Terms and Conditions, nor was it addressed in my conversation with the reservations clerk. Capitol One stated there was no written correspondence and offered to do a 3-way conversation with XXXX. In the conversation XXXX stated they were " unable to find any information on my reservation. Capitol One ended the call and said there was nothing more they could do and I would need to give my phone number to XXXX to follow up with them. Capitol One should honor its guarantee. There is no statement, no written documentation, no information whatsoever that indicates any type of Terms and Conditions. There is nothing about Terms and Condition written on either of the confirmations. Capitol One could not supply and response from XXXX regarding Terms and Conditions. The only condition the XXXX representative informed me of was the pre-pay requirement. I am XXXX XXXX XXXX and very business savvy. Had the XXXX representative informed me that charge was 'non-refundable ', I would not have made the reservation ; the representative likely knew that and so intentionally omitted that information, or forgot. Capitol One is my bank and should work on my behalf according to its guarantee of never making me pay for a service I did not receive. Capitol One should remove the charge from my account and not accept the word of XXXX, who by it's own admission could not find any information, which could not be possible when I received confirmations for both reservation and cancellation. Capitol One at the very time is transitioning its accounts to XXXX XXXX. I believe Capitol One " threw me under the bus '' because it is getting rid of this account
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

Received a collection letter from a 19 years debt ( 2005 ) Im not sure if this is even my debt
Product: Credit card or prepaid card

Last year a charge was placed on my credit card without my knowing. Auto-payment had not been set up on this particular credit card because I was not regularly using it. I was only made aware of the charge several months after the fact, and immediately closed the account. However, Wells Fargo has marked the account as having a late payment, and is not willing to amend their records. I have tried reaching out to them several times and they have responded stating that they must report all late payments as part of federal compliance. I would like to explore other options, as I have never had issues with late payments on any other account, and it has impacted my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've disputed 5 times already with TransUnion and 5 times I have received nothing but a piece of paper telling me that these types of accounts stay on for 7-10 years. I have proven each time that this information is not correct and I do n't understand how they can keep this inaccurate information on here. I have not hired a lawyer and have also gotten the attorney general of CA involved. I have the actual petition in front of me why states the accurate information which does NOT reflect the information on my credit report. 

This is my dispute from my letter and you will also find the public records page from my credit report and my letter attached : Us bankruptcy XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct US BANKRUPTCY COURT is not listed completely : you MUST list the city and the state for this to be accurate which means that you do n't even know where this is out of! 
There 's no liability amount listed You have no liability amount You have no plaintiff listed
Product: Checking or savings account

XX/XX/2019 : I opened a checking account with automatic deposit and a savings account with {$20000.00} with Chase Bank in XXXX XXXX. 
I was promised {$600.00} if I did this and left it open for 3 months. After 3 months I was told I had to keep it open for 6 months. 
What happened is I sat for over 2 hours giving the branch officer all my personal information. I tied up my money. After many months of phone calls, messages and visits to the branch I was told by XXXX, XXXX Executive Office XXXX ext. XXXX that they would not honor the promo and also would not remove any fees incurred during this lengthy acquisition. 
Obviously I am frustrated and aggravated that I tied up my money and put so much trust into this bank and the employees of this bank. 
I have plenty of documentation and saved voicemails. Please advise. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!
Product: Credit reporting or other personal consumer reports

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since XXXX, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Product: Debt collection

I keep getting collections calls for XXXX XXXX. I am XXXX XXXX. Every time, I correct them. They keep calling. 

The number that called was XXXX
Product: Checking or savings account

I'm writing as an employee of a small retail furniture company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a XXXX mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to Wells Fargo and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by Wells Fargo and XXXX XXXXXXXX XXXX, summing up to {$170000.00}. Our bank, XXXX XXXX XXXX, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department XXXX XXXX XXXX ( XXXX ) Criminal Report # XXXX. The employees of our bank XXXX XXXX have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with our small retail furniture business, has hurt longstanding relationships with our suppliers, and now our very own bank XXXX XXXX this week is threatening to downgrade our credit worthiness. The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. We received letters from XXXX dated XX/XX/XXXX stating that Wells Fargo and XXXX XXXX  XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from XXXX dated XX/XX/XXXX stating that they have not yet received a response from Wells Fargo and XXXX XXXX XXXXXXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. This claim will specifically address our check # XXXX for {$26000.00}, which cleared to Wells Fargo without the authorization from our company or the intended recipient. Wells Fargo has not responded to our bank XXXX, and XXXX how now stopped trying to retrieve the funds. The service we have received from XXXX has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.
Product: Debt collection

They puchased an unvalidated debt on my consumer report that dropped my score by hundreds of points
Product: Mortgage

Our XXXX mortgage was purchased by DiTech Financial. Every payment we made was on time. The HUD government entity XXXX paid off our loan on XXXX XXXX to DiTech. And DiTech told us a refund check for our escrow in the amount of {$640.00} was mailed to us on XXXX XXXX, 2016. As of today 's date we have received nothing. We called DiTech on XXXX/XXXX/16 to make sure the check had indeed been sent out and the customer service rep, XXXX, in XXXX XXXX assured us that the check was sent out on XXXX/XXXX/16, and she verified our address that it was sent to. She said the escrow department was located in XXXX XXXX XXXX. She asked us if we would like her to put a stop payment on the check and have it re-issued. We told her we would be willing to wait one more day, and if it had n't come we would then call back and have a stop payment and re-issue done for us. On XXXX/XXXX/16 there was no check in the mail so we called to have the check cancelled and re-issued. We asked if they would expedite it for us since we are in need of this money and had not planned that this would happen. The person we talked to is XXXX. She said she did not have the power to expedite a payment but she would get us a supervisor. Finally, a person named XXXX answered the phone, Extension XXXX, ID # XXXX, Supervisor. We asked her if she could expedite the check since we were needing it for an upcoming payment and she proceeded to tell us basically that we are SOL. She was not willing to cancel the check and have it reissued without us waiting another 30 days. She would not tell us the bank nor the check # that the supposed check that was supposedly sent to us was issued on. She told us that they did not have an Escrow Dpt. for DiTech Financial, that everything was done through Customer Service. She refused to verify that a check was even sent and said she was unable to do anything to help us. She said that what the XXXX customer service reps. told us was not true, and that they should not have said that to us. We contacted the HUD Government Offices of XXXX and they gave us your name, and said to file a complaint immediately. So, we are doing so. We appreciate any help you can give us, because it is obvious that DiTech does n't care if we receive the check or not. We are attaching a letter that we had received from DiTech, dated XXXX XXXX, 2016, the day they claim our refund check was mailed. We received that letter in XXXX days so had the check been sent that day we certainly would have received it by now, XXXX days later. The letter they sent us was a breakdown of our escrow showing the refund we are to receive. DiTech 's phone # is XXXX. This is all the information we have for you. Our government XXXX Representative 's information is : Administration of Resources and Choices, HUD Certified Housing Counseling Agency, Financial Counselor is XXXX XXXX, Phone # XXXX, XXXX XXXX. Thank you again
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Demand for Debt Validation Legal Requirements Dear Portfolio Recovery Associates, This letter serves as a formal and immediate demand for validation of the debt. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive full validation of the debt you claim I owe. Failure to comply with these legal obligations will result in legal action. This debt appears under account number XXXX XXXX. Debt Validation Requirement 15 USC 1692g In accordance with 15 USC 1692g, I demand that you provide me with the following documentation regarding the alleged debt : The amount of the debt, including any interest, fees, or charges that have been added to the principal balance. 
The name of the original creditor and any account number associated with the debt and wet signature. 
The proof of your right to collect on this debt, including a copy of the assignment or transfer of the debt, or a copy of the contract or agreement that establishes your claim to collect this debt. 
You are required under federal law to cease all collection activities until you provide the requested validation. 
XXXX. Compliance with Credit Reporting 15 USC 1681S-2 I also request that you immediately update your records in compliance with 15 USC 1681S-2 to ensure that the debt is not being improperly reported to credit reporting agencies while the debt is in dispute. Failure to correct any erroneous reporting will be considered a violation of the FCRA, and I will pursue further action to protect my rights.

3. Dispute Resolution 15 USC 1681i If you have already reported this debt to any credit bureaus, I demand that you immediately provide the full details of your investigation as required by 15 USC 1681i. Additionally, I expect you to take corrective action if the debt is found to be inaccurate or unverifiable.

4. Limitation on Debt Collection 15 USC 1681c-2 Under 15 USC 1681c-2 , if this alleged debt can not be validated, you are prohibited from continuing any collection activities or reporting it to credit bureaus. You must provide me with clear and sufficient documentation within 30 days from the date of this letter.

Failure to comply with these legal obligations will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state agencies. Additionally, I will consider taking legal action to ensure that my rights are fully protected.

I expect your prompt response, including all requested documents, within 30 days of the date of this letter. If you fail to comply with these legal requirements, I will take all necessary actions to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/ around XXXX the company refused to say given name. I entered the Experian.com web domain and entered social security number into credit website for the site to return with nothing and prompt I to enter my name manually which would void my social security number I entered with given name from XXXX authorities. XXXX XXXX chose not to say name, withheld data, and attempted to give me another name with shortened initials.I was denied finance from website and contact with an authority to use given XXXX credit from given initials XXXX I am a US citizen and you don't have information on me.
Product: Debt collection

The account was opened on XX/XX/2018 in the amount of {$2300.00}. I am a victim of identity theft and have been battling it for years. I finally had most of the fraudulent accounts closed and taken off my credit report, but then I wake up and see this. I worked very hard to get my XXXX score to a XXXX ; but yet again, another fraudulent bill shows up and drops my score by 52 points! this is NOT me. I don't know who is doing this, but it needs to be taken off because its fraud.
Product: Debt collection

I am submitting this letter to formally report a collection account that appears on my XXXX credit report, which I do not recognize. This account, identified as belonging to Monterey Collection, with a balance of {$11000.00} is fraudulent and a result of identity theft and fraud.

The fraudulent activity has led to an unauthorized hard inquiry and collection appearing on my XXXX and XXXX credit report. I demand the immediate removal of all fraudulent items from each of my consumer credit report, as well as the cessation of any collection activity related to these accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Under 15 U.S.C. 1681b, I request written documentation showing where I provided written consent or instruction for the reporting of this bankruptcy on my Consumer Report. I have not authorized such reporting, nor have I been notified of any related court proceedings.

Moreover, my Social Security number appears to have been utilized without my written permission, which constitutes aggravated identity theft. For your reference, I have attached the letter I mailed to the United States Bankruptcy Court on XX/XX/year>, along with their response indicating that they do not report information to any credit reporting agency, my ID, and current car insurance policy at my current address .I kindly ask that you review this matter and remove the bankruptcy from my credit report within four business days of receipt of this letter, as mandated by law.
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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an 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.