23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.
Product: Vehicle loan or lease

( 15 U.S.C 1635 ) DID NOT give full understanding DISCLOSURE, I FEEL THEY TOOK COMPLETE ADVANTAGE OF MY SITUATION KNOWING I HAD A SIMILAR EXPERIENCE AT ANOTHER DEALERSHIP A WEEK BEFORE COMING TO THEIR DEALERSHIP NO DISCLOSURE VIOLATIONS SUM OF ALL CHARGES INCLUDES 1 ) CAR VALUE ( DID NOT INCLUDE ) 3 ) INSURANCE : allowed me to drive off the lot with no insurance 4 ) WARRANTY ___________________________________________ 5 ) HAD TO PAY OUT OF POCKET FOR SERVICES ON THE CAR ( OIL CHANGE ECT. ) 6 ) {$500.00} DOWN IN THE CAR XXXX ) SIGNATURES AND DATES ON BOTH COPY AND ORIGINAL DON'T MATCH
Product: Credit card

I, the consumer and natural person was denied credit by American Express. When I applied for the American Express Unlimited Credit Card. When I spoke to an agent from American Express I was told because of my credit report. That is in fact discrimination. Also according to the Federal Reserve Act when I filled out the application for an credit card. The notes were giving the only problem is I never received anything from American Express. Also Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act 15USC 1691c and is pursuant to civil liability under 15 USC 1692k American Express is criminal liable for violating 15 USC 1691 as I have proof that I was discriminated against. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 cfr 1002. Because I'm the consumer made an application in good faith, but credit was not issued. Also my social security card ( credit card ) was used and I received no benefits. This is proof of Fraudulent Activity. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for use of my own credit card I will indeed make American Express criminally liable for actual damages. 
By : XXXX, XXXX agent For : XXXX XXXX XXXX XXXX
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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On Saturday, XX/XX/2024, at approximately XXXX XXXX, I ordered what I believed to be one ( XXXX ) bottle of XXXX XXXX  for the amount of {$39.00} from XXXX XXXX XXXX. 

On XXXX, XX/XX/2024, at XXXX XXXX, I received a Digital Federal Credit Union Fraud Alert notifying me of suspicious activity on your XXXX Credit Card ending in XXXX and need to review 1 transaction. 

Subsequently, I responded NO to whether or not I approved a charge for {$190.00} at XXXX ON XXXX. 

The following message read Your card has been blocked due to unauthorized use. Nevertheless, the bank paid the unauthorized amount, which I did not discover until late. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

DCU Customer Service admitted that most banks would not submit payment but offered no assistance in helping to mitigate the situation. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

On XX/XX/2024, at XXXX AM, I spoke with a DCU Customer Service Rep ( XXXX ) XXXX to inquire they were unable to unblock the card used during the transaction in order for XXXX XXXX XXXX to return the monies collected after they received the returned unopened package. 

Digital Federal Credit Union has remained dismissive in every way regarding this situation, accepting no responsibility nor helping me to recover the monies they paid to XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Student loan

I received a letter from Department of education XX/XX/XXXX that stated my loans that were included in the XXXXXXXX XXXX XXXXXXXX a would be discharged within 90 days. I have called Mohela/Dept of Education several times and the first time was told the loans would be removed in XX/XX/XXXX it never happened. I was then told they would be removed XX/XX/XXXX and that never happened. 

Sometime in XXXX the loans were removed only to be placed back as a new account and lowering my credit by almost XXXX points. 

The account was then marked as closed again sometime in XX/XX/XXXX and then placed back on my credit as a new debt on XX/XX/XXXX lowering my credit by an additional XXXX points. MOHELA/DEPT OF ED has continued to destroy my credit the last 12 months for loans that were suppose to be discharged over a year ago. I continue to get different answers about discharge status and what is going on. 

I do not think MOHELA/DEPT OF ED has the right to keep effecting my credit closing the account and opening it as a new debt over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/1968 ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX* U S Dept of ED/XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # 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, credit repair services, or other personal consumer reports

I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. Tran Union removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.
Product: Credit reporting or other personal consumer reports

inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!
Product: Mortgage

My Payment is due on the XXXX. I typically receive my statement on the XXXX. Once I receive the statement I mail in a check. It takes 2-3 weeks for them to apply my payment. I live in XXXX XXXX, Ca, the processing center is in XXXX, Texas. After a week goes by, they begin texting me and calling. 

This month my statement states I'm past due - asking for 2 payments. I called and they said I'm only due for 1 payment. This is all very unnecessary. If they would mail my statement sooner or process my payment in a timely manner none of this would happen. 

Their only solution is for me to be on auto-pay. I do not want auto-pay.
Product: Checking or savings account

Wells Fargo contacted me about 2 accounts in my name which were closed by them. I do not have accounts with Wells Fargo and believe these accounts to be fraudulent. I was made known of these accounts XX/XX/21. I attempted to call Wells Fargo to inquire however was bounced between customer service and fraud multiple times without assistance and hung up on multiple times. When finally getting somebody willing to help, they were unable to verify any information as I did not have enough information to correspond to these accounts, in addition to my name, address and social security number. 

Given Wells Fargo has a reputation recently for starting fraudulent accounts, I am concerned this may not be resolved in its entirety.
Product: Debt collection

Dear HILLCREST DAVIDSON & Associates, I am writing to express my serious concerns regarding Account # XXXX your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I transfer through XXXX {$1300.00} to another Bank of America account individual. The transfer showed successful but funds never appeared to the individual account. The first time I contacted the bank, the representative said that they would investigate the transaction. After the investigation was completed, they said the transfer was not successful because an e-mail was not present. Which, is a lie because on previous dates, I had sent money to the same account, under the same email. As you will be able to see in the following attachments. The agent continue to explain this was the reason the investigator had denied the funds back. I continue to argue the point that this was impossible due to previous transactions, the bank agent agree, but informed me she was unable to do anything due to the report from the investigator. She submitted the claim again, and the investigator denied it because now he said the funds were received and the account statements of the individual shows no such transaction and my account shows deducted. The last argument from the investigator was that the funds were received by another individual. Which is also impossible since the email confirmation was sent to the individual. How are these funds going to be somewhere else or lost when the information was correct. Since, I heard so much commotion about similar issues to this with Bank of America, I decided to go to XXXX to see if they could assist. Gladly, one of their agents gave me this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered that I was the victim of identity theft. Several accounts were opened in my name without my authorization. I am extremely upset about this situation, and I would like to have the inaccurate accounts, addresses and inquires removed from my credit report as soon XXXX possible. I have a XXXX fraud accounts XXXX XXXX and XXXX XXXX XXXX. I have 5 unauthorized inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX and XXXX XXXX XXXX XXXX WI XXXX Thank you for your help in this matter. I would appreciated if you could take care of this situation as quickly as possible.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '', has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Requested Security Freeze be placed on my credit profile on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXXXX Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX requesting a copy of the XXXX Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required XXXXday timeframe. 

Reason for Immediate Removal : XXXX. Failure to Provide Required Documentation : The creditor has not supplied a XXXX form, which would indicate that the debt was canceled and should no longer be reported as owed. 
XXXX. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within XXXX days of my certified request, continued reporting of this charge-off is unlawful and must be corrected. 
XXXX. Failure to Report Correctly : If a XXXX was issued, the account should be marked as canceled with a {$0.00} balance. If no XXXX was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.