23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX I went to XXXX to get my Virginia license, But the XXXX representative claim that I had a lien on my license, she said it was a judgment on XXXX, that I have to pay the debtors, that the the lien is {$27000.00} ... I was shocked that I told the XXXX there 's no way that I could come up with this amount and did n't even know where it was coming from, anyway I found out after calling the collection agency that it was an accident occurred on XXXX, that I was involved, I did not get a ticket, the police officer only asked me of my car insurance, so I gave him my insurance information ... after this incident, did not hear anything else about the accident. I moved to California, then come back to Virginia I contacted the collection agency and we both agreed to settled for {$7000.00} including all interest a payment plan of {$7000.00}, XXXX XXXX arranged a payment plan for {$150.00} anyway, this company continue to debit my account for XXXX months a total of {$12000.00} which they were over paid of {$5000.00} ... I contact my bank of stop payment to XXXX XXXX XXXX, which who is the collection company. 

I received a letter from this company asking me to pay more money, I called them XXXX XXXX, XXXX Iasked for XXXX XXXX XXXX, the receptionist told me she no longer employed then she transfer me to another representative who handle my account, I told her the debt that you claim I still owed is been paid, that we settled for the amount of {$7000.00} and that they owed me instead, of the amount of {$5000.00}. I told her that I only authorized of {$7000.00} I demand a full refund of said amount. she said that the settlement was not settled and she is now willing to make a new arrangement to me, this account was already settled, her replied was not settled, and she is propose to make a new settlement, anyway I told her that the settlement was made and they should honor it, and told her that I will not going to make new agreement period! 

I received another letter that they demand {$1800.00} of payment or they will call the XXXX of Virginia, if my payment was not received that they will have my driver license suspended now they are making threat against Va license, I think this is harassment they claim that this is outside of consumer that I ca n't complaint to the cfpb that XXXX XXXX nor XXXX in the context of claim is not a debt of my claim, Im confused, the original creditor who they are collecting is my present car insurance company, they now claim they renew my debt of my judgment that is now general district court, this is a very old debts that is almost XXXX yrs old, when the accident happened, I was not served to go to court, the police officer must gave them a wrong car insurance, I was insured by XXXX and still have insured by them, that my liability should been paid by them. I think this is conflict situation that the original client of where I have a car insurance with is XXXX, that they should have pay the damages, anyway I plan of retaining a lawyer, about this matter, this Company want to scam me for more money!
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX 

XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXXXXXX XXXX  US CREDIT REPORTS. 



XXXX XXXX XXXX 's credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX 's name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX 's son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX XXXX XXXX Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX XXXX XXXX Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU, for your assistance. 

XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has called me multiple times about a debt. Each time he is rude and will not send out the debit validation letter so I am able to reach out to the original creditor. I have asked him to mail me the original creditor information and he will not do. I know that I can go back to the creditor and validate the debt before I start working with the debit collector. He is rude and I will not continue to harassed and forced to pay something I do not believe to me the true amount owed.
Product: Vehicle loan or lease

This is in regard to Southeast Toyota finance out of XXXX Alabama, I have had recent issues with my credit score being wrongfully lowered due to inaccurate information being place on my credit account by Southeast Toyota Finance. My score had dropped down almost XXXX points due to non posting of payments! I have constantly made my payments on time, but XXXX, XXXX, and XXXX of 2024, they have posted that I have been late with my payment. I will be uploading all of my payments for the entire year of 2024. Hopefully you will see the inaccurate information that has been place on my account therefore lowering my credit score! I have also been harassed by different representative after I have already made payments for those months! I received a notice in the month of XX/XX/year> for a right to cure my automobile! Then in the month of XX/XX/year> saying if I didnt pay a certain amount, they were going to charge my account off because, they said I didnt respond to a letter that they never sent me within 10 days! So I requested that they resend this letter that I never received! So I received another letter on XXXX the XXXX dated XXXX the XXXX 2024 stating that I owed an amount of {$1000.00}, which is not true! They have been saying this since XXXX of 2024 and I have made several payments since then, and you will see this in my documents that I will be uploading that I have been making my payments! They also took XXXX $ away from my, and put it towards something else, but this was supposed to be for my XXXX car payment! This is what the representative told me! My actual balance should be a little over {$300.00} dollars!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX XXXX XXXX XXXX added a collection charge off account on my credit report in the amount of {$4300.00}. The company stated the original creditor is XXXX XXXX XXXX. I immediately contacted the company and told them I never was allowed to secure a lease and this account should not be on my credit report. Upon contacting XXXX XXXX XXXX XXXX I was told that they would investigate this matter and remove it from my credit report. However XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX refuse to remove this fraudulent account from my credit report even though I provided them the e-mail denying me a lease.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that this account be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with XXXX and TransUnion who has refused to block this account from my credit file even though XXXX did so within 24 hours of receiving my dispute. I also tried to contact XXXX over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in 24 hours that the account would remain on my credit report with no explanation. XXXX also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Money transfer, virtual currency, or money service

Our company 's email account was hacked in XX/XX/2019. The hacker sent emails to our customer stating that our bank account number had changed. Our customer issued due payments against our invoices ( i.e. {$83000.00} & {$11000.00} ) to the fraud account by electronic funds transfer unknowing that these payments were issued to a fraud account. The fraud account was also an account with our bank, i.e. Wells Fargo Bank N.A. 

Wells Fargo Bank N.A. accepted the electronic funds transfer despite a complete disconnect between the beneficiary name and beneficiary account number. As the fraud account as well as our company 's accounts are Well Fargo Bank N.A.  accounts, Wells Fargo Bank N.A. knew that no person had rights as a beneficiary and acceptance of the subject electronic funds transfers can not occur. 

I have included herewith email correspondence along with corresponding document exchanges with Wells Fargo Bank N.A. requesting feedback on this error on their part. They are standing firm that beneficiary account name and beneficiary account numbers are not verified prior to wire acceptance. I believe this is willful negligence on part of the bank. Furthermore, I have repetitively requested Wells Fargo Bank N.A. to provide their Incoming Wire Security Procedure & Policy, but have been denied access even though our company is their customer. I believe this is willful deceit by the bank. 

Would appreciate if Consumer Financial Protection Bureau can review this issue and provide guidance in the matter.
Product: Credit reporting or other personal consumer reports

PLEASE HAVE THE HARD INQUIRES BELOW REMOVED FROM MY CREDIT REPORT. I HAVE NO ACCOUNTS WITH THESE LENDERS AND HAVE NO KNOWLEDGE OF WHY ITS ON MY CREDIT REPORT. THERE IS XXXX TOTAL HARD INQUIRES THAT NEEDS TO BE REMOVED BUT I HAVE XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request Fraudulent Information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries from my credit report due to identity theft. These inaccuracies are causing significant harm to my credit, and I require immediate corrective action.

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I invoke my right to have fraudulent information blocked and permanently removed from my credit report. The following fraudulent accounts must be removed from my credit file within four ( 4 ) business days of receiving this letter : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and seek monetary damages for the harm caused by the continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft. These inquiries were not authorized by me and have negatively impacted my credit. If they are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation within four ( 4 ) business days of this letter, confirming that the fraudulent accounts and related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

delete and remove all fraudulent items listed on the credit report also inaccurate items reported asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

it was reported I had a late payment on XXXX account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Product: Credit card or prepaid card

Unauthorized and unknown charges were made on my prepaid XXXX card on XX/XX/2020 in different states. I contacted issuing bank to replace card and recover the funds that were lost. Issuing bank replaced card but has not been able to begin a claim to recover the funds. Today is XX/XX/2020 and I have not been able to successfully speak to an employee at the bank from the claims department. Wait time on phone calls exceed 2-3 hours with no answer. No claim to recover the lost funds has started because the only way to do it is to speak with an authorized employee, which i have attempted with no success.
Product: Debt collection

I'm unaware of this debt if you feel this is my debt. I didn't have the opportunity to dispute this debt. I didn't receive proper notification. if you feel this is my debt and proper notification was sent please me a certified copy of proper notification and receipt with my name on it along with my signature. 

Also this company has been calling me and emailing my about XXXX times a day from different numbers. 

Under the FDCPA, a collector can't contact you at an unusual or inconvenient time or place, threaten to harm you, use obscene language, or call you repeatedly with the intent to annoy or harass you. It also provides people with certain rights and remedies against those who violate the law 's provisions.
Product: Checking or savings account

Today I called Santander Bank to close my checking and savings account. Upon closing the accounts I was informed that if the bank receives any future debit requests for bill payments ( utilities, checks, etc. ) against my closed accounts they would automatically re-open my accounts. I was further advised that I would be responsible for any fees levied as a result of processing the debits because the accounts would be over-drafted. I clearly stated that I did not consent to having my accounts automatically re-opened, but was told that I had no choice. Legally banks should not be allowed to re-open closed accounts without the consent of the account owner.
Product: Debt collection

Today, XX/XX/XXXX, while going thru my emails, I came across another email from a different loan company threatening to sue me. I never got a loan from this company either : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX OUTSTANDING AMOUNT : {$840.00} Subject : Unpaid loan Invoice CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX LAW FIRM has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.
Product: Prepaid card

I received a {$200.00} Amex giftcard from a coworker for the holidays. I tried to use it two weeks ago and it was declined and says its for security reasons. I call Amex they say they need to lift the security on it and it will work. We stay on the phone and it doesnt. They say all I can do is request a new card which takes around 2 weeks. The card arrives this week, I try it on the exact same site, same issue. I call and Im told by yet another Amex rep that it will work in 24 hrs. I tell him that just isnt accurate and can he give me an escalation number for today when it doesnt work. He says there isnt one. I call today and wait for 30 minutes for a rep to try multiple times to transfer me to a supervisor after he says he can fix it and cant and then says he doesnt know. I then call back again to get a new rep and request a supervisor and the rep says there arent any supervisors and hes not sure what else can be done.