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

My car was repossessed on Sunday XX/XX/XXXX at around XXXX XXXX  in the morning, I was currently in the vehicle asleep they hook my vehicle up and put on the flat bead of tow will I was in the vehicle they then procided to drive with me in the my vehicle on the tow bed for 10 to 15 minutes, they stopped the to truck in XXXX XXXX parking lot and broke into my vehicle with me inside a XXXX it by disconnecting the battery then ask me to exit vehicle, I refused to exit, they then called the XXXX XXXX XXXX XXXX XXXX, the police came and then asked me to exit the vehicle I told the police if I exit my vehicle they will take my car the told again to exit the vehicle so the repo men can take my vehicle, I did finally leave my vehicle and they took my car when I told not to
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$570.00} from CKS Prime Investments Llc is valid on my credit report. It is showing as an open account which isnt correct if it is in collects. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally resubmit the complaint to GLOBAL LENDING SERVI regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. 
My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I received XXXX emails from Wells Fargo which I immediately reported as spam and deleted. I did not open these emails. The next day, on Friday, XX/XX/2022 I received an actual plastic debit card from Wells Fargo bank with what I would consider " normal '' paperwork for activating a credit or debit card. I do not have an account with Wells Fargo and this debit card was completely unsolicited. I did not activate it but instead looked up Wells Fargo online and called an " Account Management '' number for Debit and Credit cards. As a result of this conversation, I was given a claim number, XXXX and told to contact the FTC and the police. I was also told that Wells Fargo would contact me again via email. They have not. 

On Monday, XX/XX/2022 I received a letter from Wells Fargo dated XX/XX/2022, several days before all the above. The subject of the memo is : Closure of your deposit accounts : Account number : XXXX. This letter went on to say that they reviewed my account and decided to close it because it had been " compromised or impacted by potential identity theft. '' I agree that it is identity theft but it was Wells Fargo who committed the identity theft! 

Please note also that this letter used an old address " XXXX XXXX XXXX XXXX '' and I have not lived in the " rear '' address for over 13 years. My current address is XXXX XXXX XXXX. 

THIS MUST STOP. This is the 2nd time in less than six months where I have been the victim of a similar scam. Please see my previous complaint XXXX. 

I am not uploading files at this time but would be happy to do so at your request.
Product: Checking or savings account

Sunday XX/XX/2023 I received 3 calls from XXXX XXXX. Someone had hatch into our account and made transaction with our Debit Card. The bank had to cancel that Debit Card. The Bank had to order another that should come in made within the next 2 to 3 days. Today XX/XX/2023 I open our email and I receive a email from my Bank, which is XXXX. It stated Major Derogatory Account. The company was XXXX XXXX. It was stated the New negative/major derogatory activity has appeared on your credit report. Bankruptcy and late payments are considered major derogatory information on your credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid US Bank {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted US Bank today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling US Bank I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that US bank sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with US Bank as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Product: Debt collection

I am writing to formally dispute the collection account reported on my credit report under the name LVNV Funding LLC ( I do not have any reference number and never received any letter ) for the amount of {$3600.00}. I have no knowledge of this account, have never conducted business with this company, and have never received any formal notice or correspondence regarding this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation : Provide a detailed validation of the debt, including : A copy of the original agreement or contract that establishes the alleged debt. 
Evidence showing that I am the party responsible for this debt. 
A complete accounting of the alleged amount owed. 
Proof of Authorization : Clarify how my personal information was obtained, given that I have never had any business relationship or dealings with LVNV Funding LLC Data Access and Protection Compliance : Explain why this company has access to my personal information and confirm whether this was lawfully obtained and used in compliance with federal laws protecting consumer privacy. 

The inclusion of this unknown collection account on my credit report has caused me significant concern. It is imperative that this matter be investigated promptly. If your company can not validate the debt or provide the requested documentation, I demand that the account be removed from my credit report immediately. 

Please respond to this complaint within 30 days of receipt, as required by law. Failure to comply with this request will result in further action, including filing formal complaints with the Federal Trade Commission ( FTC ), the SEC, and any other relevant regulatory agencies. I may also explore legal remedies to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything reporting on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.
Product: Debt collection

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did not know this because XXXX XXXX did a lipstick remodel. In the utility room there were holes in the wall. I do not owe XXXX XXXX any money. The unit was inhabitable per law due to rodents as well as due to code violation ( piping should be made flush to walls ). They wanted to put rat poisening down and rat traps down while my XXXX XXXX XXXX son was in the apartment. I spoke to them and gave the keys back to the unit and cleaned the unit prior to vacating. I didn't know this was on my credit until 4 months ago. I have since lived in a luxury apartment and purchased a home that is now rented out. I am looking to have this item removed from my credit. 
The debt is with fair collections and outsourcing ( FCO ). I have photos to prove the conditions my family was living in. The amount requested for collections does not reflect rent it is much higher. ( Rent was {$800.00} a month at the time ). Please help me.
Product: Checking or savings account

Someone stole my identity in 2019 and I have not been able to do anything since. Someone recently stole my computer with both mine and my sons information and I fear it will only make things worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan taken out. I 've never been to school
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXMIDLAND CRED XX/XX/22 XX/XX/XXXX. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below I have been disputing for months now and they still haven't been removed. XXXX and transunion has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on transunion and XXXX to remove these. 


XXXX account XXXX XXXX XXXX LLC ( original creditor XXXX XXXX XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

XXXX is the PayPal transaction ID. On XX/XX/year> I attempted a purchase and sent XXXX in error because I misspelled the recipient name. I immediately opened a dispute with PayPal. They didn't read the issue. Below is the text I sent. 


Issue with remittance The money was sent to the wrong recipient Case status : Closed We've closed this case as our review showed that this transaction was processed correctly and an amount of {$800.00} XXXX was successfully transfered to the XXXX on XX/XX/year> at XXXXXXXX XXXX PDT. 
Your responses XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Please refund the full transaction fee as well. You can see that I did pay the correct XXXX XXXX so do not send him the incorrect payment, please return to my account. 
XX/XX/year> at XXXX XXXX PDT You provided additional info. 
I have asked the wrong payee to return the money and this person has not responded. Please reverse the transaction. 
XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Should be sent to XXXX Case details Case ID : XXXX XXXX XXXX : {$800.00} XXXX Receiver info : XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Transaction reported XXXX XXXX XXXX XX/XX/XXXX, Money XXXX XXXX ID : XXXX - {$800.00} XXXX Additional Info Your note : Mistaken payment... entered the incorrect name spelling
Product: Student loan

I requested a refund check for payments made during the XXXX forbearance period back in the summer of XXXX. The amount was {$6200.00}, and {$1100.00} but I only received a check for {$1100.00} on XX/XX/XXXX. I call my loan company ( Nelnet ) monthly regarding this, they noted the check was originally issued XX/XX/XXXX but was never received or cashed. We ( myself and Nelnet ) requested a stop payment and reissue for the check XX/XX/XXXX. I have called Nelnet numerous times over the past 2 years regarding this check. On XX/XX/XXXX I filed a complaint with FSA regarding this matter. As of XX/XX/XXXX Nelnet stated someone cashed the check, Nelnet did not contact me, I had called them. This check was fraudulently cashed and I requested a fraud packet with Nelnet on XX/XX/XXXX. I got a notice that Nelnet was closing my complaint with FSA on XX/XX/XXXX, stating FSA would not send a fraud packet as it was past the 12 month mark. I filed a local police report, however I still do not have the evidence requested regarding the fraudulently cashes check. I do not know, when, where or who cashed this check. 
As of XXXX this balance was added to my student loan. I now owed an extra {$6200.00} on my student loan, that I am being requested to repay back with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 we signed a new payment agreement with Chase Bank ( attached ). This new agreement was a fixed payment schedule that replaced the monthly payments previously due each month. Upon making these payments on time every month for almost 2 years it was brought to our attention that Chase was reporting this payment late each time. Once contacted they indicated that we had a past due amount still. It was never disclosed to us that we had additional payments to make on top of the agreed monthly payment in order to avoid late payments. This is why we took the agreement in the first place. Chase has repeatedly refused to change the derogatory nature of the credit bureaus reports. They indicate we agreed to the details verbally but they are unable tp provide the recorded conversation where they indicate this was stated. The only contract details we are aware of are attached to this complaint and say nothing of additional money required in the contracts next steps. We followed the agreement to the letter with the intent of saving our credit as much as possible only to find out that the said agreement did nothing of the sort. We only want the lates removed and don't feel that its asking to much if you look at the on time history of every payment.
Product: Money transfer, virtual currency, or money service

Subj : Lost wire to Coinbase, Inc. via XXXX XXXX XXXX I initiated a {$15000.00} wire to my Coinbase account on XX/XX/XXXX XXXX through my XXXX XXXX account. No verifiable response was given from Coinbase as of XXXX/XXXX/17. I 've initiated an inquiry from my bank, but nothing is guaranteed and would like to further the process along with this complaint due to what I 've been reading on the blogs regarding multiple other customers having same issue. I followed this link from one of the blogs ... .help!
Product: Credit card or prepaid card

Discover bank is continually unconcerning and unsupportive of it's customers. I probably won't bank with them ever again after this situation. I called Discover to report my card lost ending in XXXX. I spoke with a representative to review a summary of charges before a new card was to be mailed to my address. A fraudulent transaction of XXXX was charged to my account on XX/XX/XXXX, days after it was realized that it was lost which was XX/XX/XXXX. I spoke to a representative with Discover bank less than 2 months later to cooperate and answer questions about the unauthorized transaction. A week later the transaction was put back on to my account on XX/XX/XXXX. I have an profile/account with XXXX XXXX XXXX in XXXX, NY. My identity/profile was inadvertently used based on the card/cardholder name that was lost and fraudulently used in the transaction of XXXX. My Discover cardholder details/profile is unrelated to the transaction : address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX email : XXXX, phone number : XXXX. The transactions that were made after the disputed amount of {$4200.00} on XX/XX/XXXX, were for uber. I had recurring payments and my account ending in XXXX linked to my uber ride share account. Rideshare apps can still charge a CC account that is linked to it even if its closed temporarily days later. I did not get any alerts. I was alerted that the transaction was fraud when speaking with a representative over the phone when I reported it lost. XX/XX/XXXX I received an email from an executive from Discover. The email from the executive claimed that support would be provided on my behalf regarding my situation if I were to communicate with them. Days later I communicated by writing a letter to the executive. The letter expressed my rationale for my complaint and my affirmation that the transaction of {$4200.00} is unauthorized/ fraudulent. Unauthorized transaction unrelated and uncharacteristic of my normal spending pattern/history with Discover. You would think Discover would side/accommodate with the cardholder in this situation? NO. All Discover did was re-mail me copy of the old XX/XX/XXXX letter, when I complained on XX/XX/XXXX that transaction was unauthorized. As of now Discover bank has not removed the XX/XX/XXXX unauthorized transaction of {$4200.00} associated with my account ending in then XXXX, and now XXXX. If this unfortunate situation isn't resolved positively by Discover I will end my banking relationship with them forever. I will also vehemently advise family, friends, and associates not to do business with Discover. Why? Discover is unsupportive, unaccommodating, and condescending toward the cardholder/consumer in situations like this. I will do away with the big banks like Discover. The big banks treat the customer/consumer like a just number. A person of insignificancy. The small banks and credit unions have a community relationship and respect the consumer. They will be my go-to in terms of banking business going forward. I'm done with Discover.
Product: Credit card or prepaid card

I received a letter dated XXXX XXXX, 2017 from Citibank Card Services XXXX XXXX XXXX  XXXX Oregon XXXX. It stated that I am being issued a statement credit for {$190.00} for charges for the Identity Monitor program I did not sign up for and cancelled immediately upon seeing the charge on my statement. I cancelled the card years later, and I do not have a Citibank card at this time, and I have not received a credit statement from this bank for years. How can I receive this credit if I do not have access to the card or credit statement anymore? Please help me in this matter. Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to you to express my frustration and concern about an ongoing matter with Goldman Sachs. Since XX/XX/2022 I have been trying to have them replace my ITIN number with my Social Security number on my account. Despite multiple attempts on my part to resolve this matter, my request remains unattended. 

The first time I called Goldman Sachs to request the change, they assured me that the change would be reflected in 10 days. Two months passed and no change was made. I then called back and was connected with a supervisor who escalated the situation and promised that the change would be made in 10 days. 

Since then, I have called two more times and have spoken with supervisors, each of whom assured me that the situation was being escalated and that I would be contacted in 10 days. However, despite these repeated promises, no change has been made and I have received no communication. 

These ongoing delays and the lack of resolution are not only frustrating, but are also negatively affecting my credit score. Each time I speak with a new supervisor, there seems to be a new reason why the change has not yet been made - that the previous supervisor made a mistake, that a ticket was not created, that my contact information was not entered correctly. 

As a customer, I am not getting the attention to this matter. I feel that Goldman Sachs is not acting and prolonging the situation, each time telling me that I will have a response in 10 days and then doing nothing to resolve the problem. 

Therefore, I am submitting this formal complaint in the hope that you can help me resolve this matter. I appreciate your attention to this issue and look forward to resolving it promptly.
Product: Credit reporting or other personal consumer reports

I am now requesting information regarding a previous investigation in accordance with FCRA 611 ( aI ( 6 ) ( B ) ( iii ). I submitted my dispute via CFPB # XXXX XXXX XXXX  and your agency acknowledged receipt on XXXX and sent me the results that 2 accounts were verified on XXXX I am requesting that you send me the Procedures you used that led to the 2 accounts below to be verified.

I would like to request all records that will reveal the Procedures that you used along with the name ( s ) of the person ( s ) you spoke with and their business name, address and telephone number ( s ).

Please send me the proof that my Privacy Rights were not violated because I gave no one permission to furnish/ publish these accounts on my credit report.

FCRA Section 602 states I have a right to privacy and FCRA Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions.

I did not give any consent/permission nor did I give your agency any type of written instruction for the accounts to appear on my Experian credit report. 

XXXX ) XXXX # # XXXX XXXX ) Portfolio Recovery # XXXX Please forward me the information I am requesting in accordance with FCRA611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.