23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX -Acct number XXXX Charged off credit XX/XX/XXXX I contact XXXX  XXXX about this closed account. They havent taken my credit report as of XXXX
Product: Debt collection

My credit report lists incorrect accounts that I believe are fraudulentplease remove them right away.
Product: Vehicle loan or lease

I purchased a XXXX vehicle with a car loan financed from Wellsfargo Bank. I never received compensation for the additional fees that were charge to the consumer as founded in a XXXX XXXX law suit.
Product: Credit card

Discover bank open a credit card in my name through the pandemic with out my knowledge this credit card does not belong to me I have called multiple times and ask them to take this off my credit report they have committed fraud and identity theft afoant me by using my information to open this credit card in my name, I want this card removed from my credit report immediately, I will sue this company for damages and keep these complaints as proof that discover bank will not provide evidence to me as I requested they have refused, this discover bank needs to be investigated because this card was open when the coronavirus started and this has caused e problems with finding work and has did damage, Im demanding that discover bank removed this off my credit report, I have spoke to them on the phone problem is they have sent me to several different departments nobody wants to speak to me about the issue and problem, they hang up on me, all there doing is using my identity to try and keep my information, they have sent things through the mail wanted me knowing I do not stay at that address which it is my girlfriends address not mine shes fixing it file a complaint for harassment because my information was leaked on the web with all my information because other credit cards were open in my name and those credit card companies took me serious I done showed discover bank the amount of identity theft that had happen to me and they will not take this serious this is my last straw I will sue this company for actual damages, Im tired of this completely this card was not open by me now leave me alone for I call XXXX XXXX and give this information to an XXXX XXXX to put this on national television, and expose discover bank has used the pandemic to open up fraudulent accounts in my name and is refusing to take it off my credit reports, I am now at a point that I will hire an XXXX to help resolve this matter Im tired of talking and being nice at past that point now take it off my credit report and CFPB need to investigate discover card because I know Im not the only one thats going through this, I sent dozens of pieces of information to XXXX XXXX  showing what I have been through Im asking for the last time I dont care how big this company is I have won for the same reasons against bigger companies and won my cases, take this off my credit report I will sue and expose this on national television please dont text me this information is now in the hands of a XXXX XXXX  and soon to be XXXX, take it off and leave me alone Im also XXXX XXXX veteran and feel like XXXX XXXX is taking advantage of me not taking this off my credit report and they know this this credit card does not belong to me Im sending a letter the the va showing Im a XXXX veteran stop taking advantage of and leave me alone
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased {$400.00} worth of the digital currency XXXX on the XXXX  XXXX XXXX. 

There was no problems making the purchase what so ever, i had been using the exchange months prior with no problems. There was no issues with my identity at all. After trying to transfer my digital currency i paid for the XXXX  XXXX XXXX triggered a Security Hold on my account preventing me from doing anything with the digital currency. 
Its been over 30 days and i have reached out so many times over email, ive even took it to there reddit page. They request personal information from me to use MY digital currency and once they get the documents they ignore my emails for days on end despite being active and working during buisness hours. 
Theres so many people in the XXXX  XXXX XXXX who relate and explain they have the same problem and XXXX  is scamming and mentally destroying people. At least for me i have suffered so much from this. I have been in a rat race begging and pleading to use digital currency i paid for. 
I feel robbed and scammed and this is my last resort because no other terms of resolution have came from the company. Many suspect this is all a scheme to keep users on the platform. This needs to be seen and looked at. Its not right at all and more people need to talk about it. 

Im hoping i can get the help ive been hoping and praying for this has been such a exhausting process and nightmare.
Product: Credit reporting or other personal consumer reports

The company reported inaccurate balances for months financially harming me for MONTHS WHILE XXXX IN VIOLATION OF the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate ; INSTEAD OF DELETING IT PER MY REQUEST THEY HAVE DECIDED TO KEEP VIOLATING ME AND ARE STILL CONTINUOUSLY CAUSING ME FINANCIAL HARM!

In addition to that this company has not received written documentation from me providing them with the consent to furnish my credit and instead believe that their concepts outweigh those of which I am lawfully entitled to per FCRA!

This company is one of many that uses many fraudulent tactics against consumers.

Though they have not received that consent from me to furnish my credit they have indeed received proper, LAWFUL, endorsed negotiable instruments from me in regards to the three accounts which they told me they do not accept and have DISHONORED and closed my accounts without my permission or AUTHORITY FROM ME ( I have provided them along with my endorsed payment my updated power of attorney to PREVENT THEM FROM ACTING ON MY BEHALF denying me the freedom and liberties provided to me by the bill of exchange act as well! 
THIS COMPANY HAS COMMITTED SECURITY FRAUD AGAINST MY ESTATE BY NOT ALLOWING ME TO ENDORSE MY PRINCIPAL BALANCE. The XXXX NEVER TRANSFERRED MY SECURITIES WHICH IS BREECH OF HIS/HER FIDUCIARY DUTIES! As I have reached three times and been dishonored puts this is the category of patterns and also since I have brought this to their attention several times means they are knowingly doing these harmful things to me despite the instructions of the Bill of Exchange Act! Now that Im completely aware of the financial harm they are inflicting on me I am compiling a Notice of Assessment letter as well as a federal claim for breech of contract. As I am also aware of this company violating the Securities Act of 1933. This company has brought me significant financial harm and is continuing their harm by extending to my credit report and violating the rights I am entitled to acting as if they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the 3 XXXX XXXX XXXX shared with me to dispute : XXXX. They check XXXX XXXX - Date : XX/XX/2022 XXXX. First Help Financial - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX Bank ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXFirst Help Financial XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX  # XXXX XXXX/XXXX  # XXXX 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: Checking or savings account

Usaa on XX/XX/XXXX let an unknown person add a access device to my account without my permission then allowed a bad check to be deposited, allowed said unknown person to put XXXX stop payments on previous months mortgages and then take {$4300.00} out of my account thats after said unknown person increased spending limit on my debit card to be able to move that much money. We were not notified until after the last transaction was completed and then were told the incident took place in XXXX of all places. Local police department found that the parties were in violation of XXXX penal code XXXX attached to this complaint is said report which was then given to the XXXX XXXX as the money was sent overseas. USAA stated repeatedly that we are responsible being as we gave the unknown persons our login information on a loan document. Ive asked to see said loan document and they cant provide me with it nor will they provide me with the information of said access device. Theyve repeatedly denied me access to any documentation that they say is not available to me cause the transactions were done in my wifes login. Even after she gave permission to usaa to allow me access. On top of which usaa app alone can be used by anyone who has access to the phone to gain access and login and steal anyones money. The security token is generated by said app, last XXXX of social dob and address which is what they ask for if you cant remember your pin is all stored on the app. 11 months Ive fought them I ask that this institution take heed and do something for there account XXXX alone violates CFPBs guidelines on efts and what is considered authorized and unauthorized transactions.
Product: Checking or savings account

On XX/XX/2023, I received emails from Chase indicating a credit card and checking account were approved and open. I have never applied for or obtained a Chase account. These are fraudulent accounts. I called the Chase fraud phone number on XXXX to notify them of the fraud and to close the accounts. They required me to provide my social security number and date of birth ; I reluctantly complied. They then wanted additional sensitive information including driver 's license number and employer information. I am not comfortable providing this. They closed the credit card account but refused to close the fraudulent checking account. I also requested a letter from Chase to specify the accounts are fraud, and I am not liable. They refused. 
There are no Chase banks located near me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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

Filed a dispute with Experian, about an item on my credit. From XXXX, result on my credit report indicated that it was in chapter XXXX bankruptcy.That is in correct never filed bankruptcy. This item should be removed from my credit all together medicredit did not inform me of missed payment in XX/XX/XXXX, however they took payment in XX/XX/XXXX and never reported me until I called to make a payment.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Product: Mortgage

My Disaster forbearance plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. 

Please note on my file I previously had a XXXX XXXX deferral. To clear any possible confusion please review XXXX, XXXX XXXX XXXX ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached XXXX XXXX XXXX Please review servicing guide in detail that Previous Covid disaster deferral does not take away my loans eligibility for a disaster deferral.
Product: Student loan

I have 3 student loans with Sallie Mae and they are mishandling all of my information and payments. I can not afford the absurdly high payments they are requesting due to being unemployed and having an incredible amount of difficulty finding a job. On XXXX XXXX Sallie Mae and myself reached an agreement for a reduced payment plan for the amount of {$510.00} every month, which is a HUGE amount considering my income is XXXX. On the XXXX of XX/XX/XXXX, the XXXX of XX/XX/XXXX, and XX/XX/XXXX the amount of {$510.00} Was withdrawn from my personal checking account. I made the three qualifying payments for this payment reduction plan and they negated it. Sallie Mae and their inability to realize they entered a contract with me by withdrawing the agreed upon amount on 3 separate occasions, decided those payments didnt count for anything and Sallie Mae proceeded to put me in delinquency as well as my co-signer and caused both of us to have our credit negatively impacted. Sallie Mae claimed I was denied for the reduced payment plan on XX/XX/XXXX and said our agreement was void. I submitted a complaint to CFPB on XX/XX/XXXX and Sallie Mae responded admitting fault in the sense that they never communicated with me that we, my co-signer and I, were denied the reduced payment plan and still proceeded with withdrawals. I tried to talk to Sallie Maes Office of the Customer Advocate, but the employee would not let me record his voice so I had concrete evidence of an agreement. That went nowhere, but Sallie Mae decided to enroll me in a plan I DID NOT agree too on XX/XX/XXXX and completed a withdrawal of {$510.00} on XXXX XXXXthat was NOT authorized or agreed upon. So essentially, Sallie Mae stole {$510.00} from me. They are now attempting to withdraw XXXX on XX/XX/XXXX. This is way too high of a payment and I would not have agreed to this enormous amount. The agreement that granted Sallie Mae access to my checking account was for the amount {$510.00}, and they themselves said that agreement was void or negated on XX/XX/XXXX. They no longer had my permission to withdraw any money from that account, but proceeded to do so anyways and now come XXXX XXXX they are going to steal {$730.00} from me. If I didnt qualify for the payment reduction program, then Sallie Mae should have NEVER accessed my personal checking account and ESPECIALLY should not have made any further withdrawals after XX/XX/XXXX because I never gave written or oral consent for them to withdraw anything other than the agreed upon amount on XX/XX/XXXX. Sallie Mae as accessed my personal checking account illegally. I NEVER talked to Sallie Mae and agreed on their new version of the payment reduction plan and there is no agreement anywhere, in writing, electronically, orally, or otherwise. I know I owe student loans to Sallie Mae, but I am having a very hard time doing business with this shady lender. There is absolutely NO trust and this business relationship is irreparably damaged.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, OR delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts :
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX/LA
XXXX

address: not mine XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX-
Product: Credit reporting or other personal consumer reports

theres a hard inquiry on XX/XX/year> I didnt authorize by XXXX is a bussines credit card I dont have a bussines and I didnt authorize that. I deman to be clear off my report and according to 15 us 1681 If a hard inquiry is " not authorized '' under 15 USC 1681, it means the credit check was pulled without the consumer 's consent or without a legitimate reason allowed by the FCRA, potentially constituting a violation of the law. take this off from XXXX experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Ive tried explaining to XXXX XXXX XXXX and Experian. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX  acct # XXXX
Product: Checking or savings account

On XX/XX/year> I deposited my tax refund from the IRS in the amount of {$12000.00}. The following check was deposited via teller in person. I provided my ID and information as needed to the teller. 

On XX/XX/year> I got a notification that my account has been blocked. I contacted Citi bank and was informed to the representative to go into the branch to submit paperwork of proof that the check deposited was mine. I submitted the documentation and the worker at the branch advised to call on XX/XX/year> or XX/XX/year>. As it would take the department 24 to 48 hours to review. 

I called on XX/XX/year> and was told to call back the following morning as the check was still under review. 

I called in XX/XX/year> and was given the same runaround and was told to give them until XX/XX/year> as the account was pending approval. 

I called today on XX/XX/year> the representative attempted to remove the block and the department advised to give them 24 to 48 hours again. I asked if I can speak to someone from the department handling the investigation and they stated that they are unable to transfer me and they only can talk to them via email. I asked the representative if there was any way to email them and ask if my account would be resolved in 48 hours as they keep telling me the same thing. Representative said no and stated to call Friday or Saturday morning. 


Citi Bank has not made a single attempt to assist me they all give me the runaround and keep holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I send a letter to Experian, XXXX XXXX and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.