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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My name is XXXX XXXX. My wife 's name is XXXX XXXX. For the last 3 months, I have sent multiple letters to Tower Loan letting them know that I do not have the ability to call during my work time. I have also advised that my wife be the point of contact for any information as she is much easier to reach than I am. 

I do not get a " scheduled '' lunch break as I am on the road or in the office doing my job and working with clients. I don't have time to be on the phone. My wife has been disrespected, yelled at, and transferred without consent and even after she told XXXX that she didn't want to speak with XXXX due to previous experiences with XXXX XXXX XXXX transferred XXXX to XXXX anyway. The result of this was XXXX telling XXXX that she didn't want nor ask to be transferred and XXXX yelled at her stating, " I don't care what you want ''. XXXX has yelled at my wife, disrespected our family and our jobs, attempted to gaslight and manipulate my wife after disrespecting her, she hung up on my wife, and belittled us. This is not appropriate nor professional. I have TRIED to respond to the phone calls with letters but even with my own signature on a letter - my wife was told it wasn't me. Tower Loan has contacted people that were not references nor listed on the application, yet told them they were - so there's another sign of unprofessionalism, it was a lie. 

I have informed Tower Loan that we are experiencing financial hardship. We are trying really hard to get their payments to them, so the harassment does NOT help at all. Being harassed after we have already attempted contact and have tried working with this branch with all the resistance. My wife is the point of contact, plain and simple. 

My wife and I have decided that going to the XXXX XXXX XXXX to report the harassment and negligence is the best option. We were directed to the CFPB. 

This has been a massive waste of the time that I should have been spent working. We are working on getting payments to them. Like I have mentioned, we are experiencing extreme financial hardship at the moment and we are in fact working on it. We haven't been ignoring them. They've been ignoring us. 

If needed contact my wife at XXXX or XXXX. The issues listed above need to be addressed as it's happened too many times.
Product: Vehicle loan or lease

Hello I Am The Principle to The Account by XXXX XXXX for XXXX, XXXX With Exeter Finance Llc I Accepted all of the Bills For i know that my Bills are Prepaid by my Corporation. 
I would Like to Endorse my Bills I want to transfer the principles balance to the principles account on behalf of the principle for every billing Cycle for Set Off I want to ask instruct 15usc 1615 in all consumer transactions if a consumer prepays in full a finance charge or a consumer transaction they are to be REIMBURSED Full anything over 1 $ On XX/XX/year> I gave a Security deposit of XXXX as Well As Used my Social Security as Collateral! 
They Owe me For Illegally Repossessing my Car they gave my info to a 3rd party which is Identity Fraud. My Insurance was not included I am the beneficiary owner and this is not beneficial to me which means they are in violation i Revoke my permission thats giving their company security interest and maintenance, services provided! Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was filed against AMEX for fraudulently adding unauthorized transactions back to accounts that were already closed by me and evidenced as acceptable by them with {$0.00} balance closing account statements. They have then proceeded to destroy my pristine credit record that I have built over 30 years. I can not do anything financially now and everyone looks at me like I am a deadbeat. All of the rest of my credit record is pristine but I refuse to pay the fraudulent charges from AMEX so they are ruining me. Why are you letting them do this? Please get this mess straightened out. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

The last 6 months of my Commerce Bank statement, I made the minimum payment of {$30.00}. Once they posted the payment was received, then 2 days later showed it was reversed and added a {$30.00} late fee. Called to dispute, but they would not take responsibility blaming some technical issue. Also they have been difficult in helping me to redeem my reward points. Tolerated this unfair mistake, but on my most recent XXXX statement, it happened again. Payment reversed & {$30.00} late fee. Never had an issue like this with the 50 odd credit cards I've used before.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three bureaus XXXX XXXX Experian and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by XXXX XXXX while experian and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by XXXX XXXX while experian reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by XXXX experian reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I'd like you to update and correct the status of my accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I have opened my account with Capital one on XX/XX/XXXX, using promo code XXXX and deposited {$100000.00}, as advertised from my XXXX account. Per terms of advertisement if I keep my money for 90 days, I will get {$1000.00} as sign on bonus. I kept my money in account until XX/XX/XXXX ( i.e. 94 days ). I call bank on XX/XX/2023 and asked when I will get my bonus customer support told me I am not eligible, I argued with them and then transferred to supervisor. The supervisor told me I am eligible and will get my bonus on XX/XX/XXXX ( ref number for call : XXXX ). Today on XX/XX/XXXX, I didn't receive my bonus. I called bank again and spoke to supervisor. She told me, other supervisor mentioned I might be eligible and she didn't guarantee. I remember she did mentioned I will get it as it is per the term. I asked to listen to recording and file a complain for it ( ref number for call : XXXX ) As next step bank will take 30 more days to resolve this whether I will bonus or not. So, I want to raise this complain with CFPB as well. Happy to provide all relevant information as well.
Product: Vehicle loan or lease

I returned my lease to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. I turned in all the necessary paperwork showing that I had made the necessary adjustments/fixes to the vehicle and was returning it under the mileage agreement. I was told everything was all set and the return of the vehicle was complete. XX/XX/XXXX I received a letter stating I owed {$1200.00}, I was instructed to responded to that letter via email stating that all those charges had been paid in full. In XXXX, I sent an email to XXXX with proof of receipt for the fixes and payment. I'm in the process of purchasing a home, and it has been brought to my attention by my mortgage lender that XXXX has placed two late payment charges on my credit for XXXX and XXXX of XXXX. I'm stating that these charges are erroneous and should be removed off my record.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I respectfully request that these inquiries be taken off of my credit report because I am not the owner of them and have no connection to the creditors mentioned.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to report a violation committed by the Department of Education regarding the handling of an account placed on my consumer report ( Account # XXXX ). The Department of Education has failed to provide validation information for the collection account in question, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. 

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. 

Additionally, the Department of Education has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law. This action violates 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ). 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against the Department of Education for these violations. Your intervention is necessary to protect consumers like myself from unfair and deceptive practices by creditors. 

Thank you for your attention to this matter.
Product: Checking or savings account

Back in XXXX of XXXX, I went to a Wells Fargo branch, in XXXX XXXX XXXX to take my name off a Savings account. 

Five years forward in XXXX, I thought I transferred money in my checking account to cover purchases and bills yet the overdraft fees and funds came from the account, I took my name off of five years prior. 

In XXXX of XXXX, I was told I owed the money or had to return the money to the savings account because I was at fault, although, I made a complaint to Wells Fargo back in XXXX of XXXX that I was supposed to have been removed from the account. 

In XXXX of XXXX, the person who is still named on the account, filed a complaint against me or my account as the account owner and over 30 days later, I had to still pay money back to the person although I was removed 5 years ago. 

I have asked Wells Fargo to make it make sense. I removed my name from the account, why or how was I still on the account, also, if there is a 30 day grace period why was the account holder given money from my account without my knowledge. I practice due diligence by removing my name from the Savings account and I did not have visibility, access or received statements from the account. 

Wells Fargo has stated they had every right to take the money from my account without notifying me, and I had to return the money. This seems so unfair because I did what I needed to do as the consumer. Also, if the 30 day grace period was past, how was the Savings account owner still given the money from my account? Wells Fargo should take accountability of their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

A refund that is due because of death and over payment on insurance premiums for auto and home. Original premium was paid by credit card and refunded to credit card company instead of XXXX. Auto and home have been sold in meantime as progression of the XXXX has occurred. 
We have contacted XXXX XXXX, they tell us Marcus GM credit card must refund. 
Marcus was notified of death, provided with death certificate,, XXXX XXXX XXXX XXXX XXXX, XXXX order naming Executor, Administrator. 
Follow up calls to Marcus GM credit card customer service telling us they can not contact department who handles refund nor can they provide us with a number or contact means. 
Marcus GM credit card is through Goldman Sachs.
Product: Debt collection

I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, TransUnion and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached accounts are being reported inaccurately according to 15 U.S Code 1681i ( a ) ( 5 ) ( a ) ( i ) and do not belong on my report. As you can see in the attached screenshot, these accounts have been removed and are not being furnished to my other credit reports ( XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with Experian several times over the last year alone and I get the same answer every time. They're verified as accurate. That is absolutely completely untrue, especially when I have called them, I have talked to the fraud department, I have sent them information identity theft reports to them as well as the creditors in question and I get nothing resolved. They refuse to do anything about it. I am about to call an attorney and file the lawsuit. This is absolutely ridiculous. They should not dictate what they will and will not do with information that is mine. Especially if it's wrong, I have the right to dispute it. In addition, I have a collection account on my credit report from Experian that is not mine. I have no idea where it came from. The creditor or collection agency in question. Never contacted me. Never sent me a letter and has XXXX information on me or this so-called account but yet Experian said it's accurate. It is absolutely not accurate and they won't dispute it again. This is again. Absolutely ridiculous. It needs to change. I want it resolved. I want it removed or I'm going to sue.
Product: Bank account or service

Hi There, I signed up for a Citigold checking & savings account promotion, where if one fulfilled the requirements of a promotion, you would receive as stated by Citi, XXXX XXXX American Aadvantage miles credited to your account, at the least 3 months after the statement in which you complete the requirements. I contacted Citigold multiple times after completing the requirements so that they could confirm that I in fact completed the requirements. They confirmed over the phone I had in fact successfully completed all the requirements, and put notes on my account. Not satisfied having still now received the miles now time after the last possible day in which they were supposed to credit it, I engaged with them in secure chat, where once again they confirmed that I had in fact successfully completed the requirements for the Citigold XXXX AA miles bonus as agreed upon in their promotion contract. I have screenshots and printouts of the secure chat as proof. However after still promising to credit the miles in a couple days, it 's now been months since the final day they should have credited the account and I still have n't received the bonus they promised as part of successfully completing the miles. 

They have violated their agreement, and are cheating consumers in promising and confirming successfully attaining their promotion, yet falsely promising as they deny actually giving out the miles
Product: Credit card

I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/XXXX
Product: Credit card or prepaid card

CAPITAL ONE AMOUNT FOR XXXX, THEY OPENED FRAUDENTLY, THE ACCOUNT IS NOT BELONG TO ME