23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX and I am filing a report because I believe my identity has been stolen. 

On XX/XX/XXXX I was served court papers from Capital One Bank for a credit card that I never owned with a balance of {$24000.00}. 

This credit card is not mine. It was never used by me. Nor have I ever had a Capital One credit card.

In addition, the credit card was opened under my maiden name ( XXXX XXXX ) that I have not used since XXXX. 

I have tried to reach out to Capital one, but I can't talk to them.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. F15 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 or other personal consumer reports

recently i review my credit report with XXXX,, Experian XXXX this is in violations of accuracy of report At present, under 15 U.S.C. 1681e ( b ), and and 1681i. 
please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sincerely
Product: Checking or savings account

On XXXX/XXXX/XXXX, somebody went to XXXX a made a purchase of {$170000.00} under my account. I was at home when I notified that somebody was probably using my account and I was very surprised because I had my debit card with me on this day, so I ran to the bank to explain that to them and I placed a claim for that. They asked me some questions that I answered and we called the claim department of Bank of America to confirm the claim. After that they have changed my debit card and everything and the next day I received a temporary credit of {$170000.00} on my account and they said they will continue the verification. Today, the XXXX/XXXX/XXXX I get home and I was verifying my account because I was supposed to receive money from my friend I saw that the bank took the money back from my account and they put my account at - {$170000.00} but my friend didnt know that so when he sent me the {$200.00} they took it as usual so my account is now at - {$150000.00}. I was chocked so I called the claim department again and they said the claim has been denied by the bank and I have to call XXXX and XXXX has to give me the money back. The problem is that I didnt know all this time that I had to call XXXX to give me the money back because the bank said to me that they will do their research and let me know about the final decision which has not been received. The conclusion is that my money is not in security in this bank and secondly they are not even capable to give me the money back and investigate on it. I have to do it by myself. Thats a shame
Product: Debt collection

This company is reporting inaccurate and misleading information on my credit report. 
Lvnv Funding LLC has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. 

This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am reaching out to file a complaint against XXXX XXXX XXXX  and its associate, Loan Mart, due to a distressing matter regarding a lien on my vehicle. 

Two weeks ago, I settled a car loan that was registered with XXXX XXXX XXXX  XXXX Loan Mart, and according to my records, I have cleared the payment for this lien in full. As a resident of Florida, I am aware of our state 's electronic title system which mandates that once a lien on a vehicle is paid off, the financial institution is obligated to release the lien within ten days. Given the efficiency of our state 's electronic system, this process is generally completed within 24 to 48 hours. 

However, in stark contrast to these regulations, XXXX XXXX XXXX  has not taken the necessary steps to remove the lien from my vehicle 's title. This delay is hampering my ability to use my vehicle freely and is causing undue stress. 

Upon contacting XXXX XXXX XXXX, instead of assisting me directly, I was transferred to Loan Mart. At Loan Mart, I found myself in a loop of confusion, unable to get in touch with any representative responsible for handling titles or addressing my grievance. 

It is deeply unsettling to find myself caught between these two entities, neither of which seems willing or able to assist me. The apparent negligence on the part of XXXX XXXX XXXX  in particular is a clear infringement of Florida 's financial regulations. As a consumer, I believe it is crucial that financial institutions adhere to state regulations and ensure that their customers are not left in such frustrating predicaments. 

I urge the Consumer Financial Protection Bureau to look into this matter and ensure that XXXX XXXX XXXX  and Loan Mart are held accountable for their actions. My hope is that your intervention will expedite the removal of the lien from my car 's title and prevent future customers from experiencing similar setbacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have some false accounts on my report. Inaccurate information is reporting on my credit report. This is a situation where the use of my credit profile was Unauthorized.
Product: Credit reporting or other personal consumer reports

Reviewed credit and information is believed to be inaccurate financial information about me. I have not taken a loan to my knowledge, sent letter via us mail as well as disputed with credit reporting agency.
Product: Debt collection

I was alerted that my credit score decreased. I looked up the information at XXXX  and called Commonwealth Financial Systems on XX/XX/XXXX. They refused to verify the debt and said they had sent me a statement when they absolutely had not. As they refused to verify the debt, I asked for their license number and was then transferred to a manager who also refused to give me the license number to collect in Virginia and also refused to verify the debt. IOn XX/XX/XXXX, I sent out a certified letter requesting verification and have not had a response. Additionally, I have disputed the information with all 3 credit bureaus. In the meantime, Commonwealth Financial Systems flags my credit every single week, which I believe to be a retaliatory measure. Further, I have tried to contact the original debtor, XXXX XXXX of Virginia, and the company has no contact information other than an address ... no phone number, email, or webpage. As CFS refuses to verify the debt, I have no date of service, doctor, or any other way to confirm this debt on my own. I have no knowledge of this account and I don't recognize XXXX XXXX as ever being involved with my care.
Product: Mortgage

This XXXX, we applied for a HELOC and were turned down because of a problem with our title. A copy of a letter describing the problem is attached. The lawyer who did the title search indicated Bank of America could solve the problem in two ways. Bank of America refused to provide the requested documents.
Product: Credit reporting or other personal consumer reports

was a victim of the security breach information was stolen, and there are debt collections on my credit that did not belong to me. I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint with this company, they stated the inquiry that is reporting on my consumer report will be deleted as they determined it was not authorized by me. XXXX has failed to communicate with the reporting agencies to have this inquiry deleted as they said they would. I am demanding the deletion of this inquiry as it dropping my credit score and injuring me financially.
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX  '' branded prepaid card issued by American Express which I regularly fund on the XXXX website from my checking account where I receive direct deposits. On XX/XX/2022 I was unable to log in to access my account on XXXX and received an error saying my account was locked. This prevents me from reviewing my account history, making any changes to my card, or retrieving any of my funds loaded onto the XXXX  card balance. 

I called Serve at XXXXXXXX XXXX  XXXX on XX/XX/2022 and spoke to American Express ' representative, XXXX, about my account. They told me that they had locked my account because I had added funds from a prepaid card, which is against their policy. I confirmed that the account they claimed was a prepaid card was the debit card for my checking account. American Express refused to correct the erroneous listing of my debit card as a prepaid card, even after I provided them additional details about the card and the name of the issuing bank. American Express also refused to unlock my account, preventing me from accessing any of the services for my XXXX card. 

My checking account is " XXXX XXXX '', a branded checking account offering administered by XXXX Bank XXXX Member FDIC, XXXX number is XXXX. XXXX  provides these statements regarding the debit cards of the checking account : " XXXX XXXX  debit cards are associated with XXXX. They are issued and administered by XXXX Bank, pursuant to license from XXXX XXXX XXXXXXXX XXXX XXXX is powered by XXXX, accounts provided by XXXX Bank , Member FDIC. XXXX - from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Product: Credit card

On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX15 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 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: Vehicle loan or lease

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ny XXXX Date Of Sale : XX/XX/XXXX Westlake Financial Acct # : XXXX Westlake Customer Care XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Executive Offices Mr. XXXX & Mr XXXX Thank you for all your assistance in this matter. Please consider this letter to be the first attempt to rectify the credibility of the sale of the XXXX XXXX XXXX XXXX taking place Tuesday, XX/XX/XXXX. 

The Current status of the loan is repossession, Due to a payment error. Westlake Financial states that funds were not received in a timely manner, although I authorized payment. I am not experiencing any curtailment of income to cause a discrepancy of this sort. ( MISSING PAYMENT ). Please review to reconsider the details of this matter. 

On XX/XX/XXXX during a phone call wirth Westlake Financial, I authorized payment via customer solutions inbound by providing my card information. However, my bank never received a request for that payment. After speaking with a Westlake representative a second time they verified on XX/XX/XXXX. I noticed the balance in my account had not decreased. The rep informed me of the current status of my delinquent payment. Although they verified I previously spoke with them, they had no explanation as to why the payment was never processed. I reauthorized and reprocessed the payment. To never deal with this confusion again. Automatic payments are set in place to assure future on time payments.. If the payment was processed by Westlake during that phone call, the payment would have been 6 days late, not 10. As per your contract it states if the first payment is late, there would be a 10 day grace period for submission along with a late fee. 

Please consider carefully reviewing and exhausting all efforts to rectify this account. As this seems to not be the best car buying experience. I trust that your team is dedicated to servicing your clients. Looking forward to a formal follow up. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX  and XXXX  information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
Product: Debt or credit management

I have disputed negative reports on my credit scores. Some was removed but placed back in my reports as if it was never removed. I have requested this since XXXX. Been paying {$25.00} a month just to get in my account. My score has never been pass XXXX which is odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.