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

XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag. 

Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.
Product: Debt or credit management

I believe I am a victim of ( XXXX ) of XXXX XXXX XXXX ' shell companies ( XXXX XXXX and XXXX XXXX XXXX ). I originally signed up with XXXX XXXX XXXX in 2020 to help get my credit card debt reduced and consolidated. I made monthly payments into an account ( from which they withdrew " legal '' fees from ), but I really didn't receive any actual helpful legal services from them that I can tell. They just told me to stop paying the creditors ( which caused my credit score to plummet ). 

After enough time went buy, of course the credit card companies started offering reduced settlements before sending to collections. XXXX XXXX XXXX just told me to scan and forward these offers on to them, which they then paid resulting in one large loan to me. That loan ( more than {$20000.00} ) was then transferred to a different shell company called XXXX XXXX and was structured at an interest rate of 20.99 %. When I asked them why this interest rate was so high ( as high as most of the credit cards I just paid off ), they used very confusing language about their loan being compounded differently than credit cards and making me believe it was a perfectly reasonably interest rate. 

Recently, XXXX XXXX has changed everything about their website, account login, payment methods, etc. Everything looks very shady now and I am unable to see my loan history information. I feel like this HAS to be related to the lawsuit that the CFPB and XXXX different state attorney generals launched against XXXX XXXX XXXX ( and their numerous shell companies ) in XXXX of this year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

last year i contacted XXXX, transunion and XXXX about a fraudulent account on my credit report. They ignored me and refused to remove it.
Product: Debt collection

Jefferson Captial System has placed an account on my tradeline that does not belong to me. I have asked that they validate the debt, provide signed agreements, provide documentation that they own the debt and they have failed to comply. They have harassed me and caused me personal injury with their illegal collection 's tactics. I have also found that they are not licensed to collect any debt in my forum state. 

Account number ( listed on my credit report XXXX Amount XXXX Date on credit report XX/XX/22 ( account have been re-aged for a few years Jefferson Captial ) This company has violated several federal laws and I demand that something be done.
Product: Checking or savings account

Marcus ( Goldman Sachs ) advertises their high yield savings accounts as a place to save a down payment for a home purchase. However, they refused a wire transfer to the title company/escrow account. They claim that wire transfers are on a " case-by-case basis, '' but refused to give any details on how to qualify to make a wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX inaccurate XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} not mine XXXX XXXX   XXXX XXXX XX/XX/XXXX {$650.00} not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX {$320.00} not mine XXXX XX/XX/XXXX {$9600.00} not mine XXXX XX/XX/XXXX {$5000.00} not mine XXXX XX/XX/XXXX {$3100.00} not mine XXXX XX/XX/XXXX {$160.00} not mine XXXX XXXX XX/XX/XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} not mine
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Nj charged me for services I did not receive! I spent maybe {$40.00} they charged my card {$390.00}. I disputed the transaction with my bank ( pnc ) and they gave me a temporary credit of {$350.00}, XX/XX/XXXX they took the credit back! Why I do not know. This is unbelievable.
Product: Credit reporting or other personal consumer reports

In XXXX bankruptcy filing was done trough XXXX XXXX XXXX company, I soon discovered that the third party fraud for forcing the natural woman to pay with promise to pay legal tender when the original lender is the natural woman by indorsement/signature. I wrote them via email XXXX, XXXX. I was asked what do I want but was not sure how to remedy the situation so I explained that it was fraud and would always be fraud.. Unaware that my information was still being used, I later discovered that a mortgage was taken without my consent and no benefit to me at XXXX XXXX. I also attempted to access my credit in a transaction promise to purchase a property and again it was used with no benefit to me. Recently opened a bank account at XXXX, signed by : Creditor Grantor to get a credit card and was denied, claiming bankruptcy filing XXXX years ago. I can not be denied my own credit based on the law. I have unconditional Bill of exchange, rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX XXXX  XXXX XXXX as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Product: Credit reporting or other personal consumer reports

I took proactive steps to address inaccuracies or issues on your credit report by writing three dispute letters and one debt validation letter to Experian on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these efforts, the actions taken by Experian were to simply update the merchant information without providing any further validation or substantive resolution to your disputes. This response indicates that Experian confirmed the information with the merchants but did not provide additional validation details or address your concerns more comprehensively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022
Product: Checking or savings account

Its been XXXX weeks and my issue has not been resolved, now causing a domino affect on me and my account. 

I have a wells fargo checking and wells fargo credit card. My due date was approaching and I logged into the mobile banking to make sure autopay was still set up to pull payment due out of my account. I noticed in the app, no payment was schedule or showing pending so I made sure to make the payment manually to avoid any issues of late payments. 

Fast forward, the next day I am hit with an overdraft, along with XXXX {$77.00} payments deducted from the checking account. 

I contacted WELLS FARGO. They stayed they opened a claim and said the only way they could refund me was to open the claim and let the team refund it so I can get my additional {$77.00} back and get the credit on overdraft. 


Its been weeks and no money has came to my account. I am being hit with a domino affect of overdraft fees since this happened and I am STRUGGLING to stay afloat. 

I need my account corrected, overdraft fees credited and the double payment back into my account so I can get back on track once and for all. 

No one has fixed this issue yet, when I call into support. I get bounced around to so many departments its driving me insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Any and all consent to Transunion, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.Unauthorized fraudulent inquiries into my credit.
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Heartland XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX pulled up my credit report and noticed these inquiries that I do not recognize and did not authorize neither company to run my credit. I took the time out to contact each of these companies separately and neither one could give me any information on where these inquiries came from. I was told to contact the Equifax. I then proceeded to contacting equifax and was told that I had to file a report with the FTC about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted via email by myFICO credit monitoring services that a new debt collection had been added to my credit report. Upon further investigation, the debt collection was from a USCB America company in the amount of {$400.00}, reported to XXXX XXXX XXXX XXXX XX/XX/XXXX and posted to my XXXX credit report XX/XX/XXXX. I had never heard of this company nor ever received any information from them on any debts due so immediately was concerned of fraudulent activity or possible stolen identity and person information. Upon USCB America Business opening XX/XX/XXXXXXXX XXXX, I spoke with a representative XXXX XXXX? ) to request more information on this account being reported to credit bureaus that I had no knowledge of. I was unable to gather more information on the account without giving them more of my personal information. I provided my name and current address. I was informed the debt was from XXXX for medical bills. While I do have XXXXXXXX XXXX the concern underlying is that I have been to XXXX on multiple occasions the past several years for both myself and my children and to my awareness, my accounts have been paid in full. USCB America was also infomed that I had received no communications for this debt I was attepting to collect. I was told that letters had been sent to my address however I never received them if they were actually sent. Additionally,, I have been in bankrupcy from XXXX XXXX XXXX, so I find it interesting that right after my case has been discharged and closed, these issues are suddently arising. I have been very diligent about paying all my bills throughout bankruptcy as it was a condition of my bankruptcy to not accumulate new debt. Had I become aware of bills that may had been overlooked, I would gladly pay them. I request USCB America please send me information surrounding this debt as I had no knowledge of this account or need to pay it. As mentioned previously however, my accounts are noted as paid in full with XXXX and I've had multiple clinic visits with them over the past several years on/off. 

Upon further investigation of USCB America, I noted several other consumer complaints XXXX XXXX XXXX XXXX about their illegal practices to immediately report debts to credit agencies, specifically regarding XXXX XXXX, prior to even making attempts to contact the consumers. Given this information, I too filed a dispute with the XXXX that's still under investigation as well as disputed this illegally reported information to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I was informed by dispute was not reversed on my credit report as USCB America was reporting the debt as valid. It is against the law for a debt collector to report to credit bureaus prior to contacting the consumer. I had no awareness of this debt or debt collection activity for if I did, I would have immediately made attempts to settle it with XXXX or the collection agency. 

I have no documents to attach pertaining to this matter as the debt collection agency USCB America has not sent me one letter or email as of this date.
Product: Debt collection

On XX/XX/2022, I was notified by my Experion Credit app that I have a collection on my near perfect credit from an energy company, XXXX XXXX, ( which I DID NOT authorize or apply for, in a city I do not live in ), in the amount of {$2900.00}. The account was apparently opened on XX/XX/2022 and was reported to my credit as being deliquent and in collection in XX/XX/2022. On XX/XX/2022 I called XXXX to report identity theft and fraud with this collection debt. XXXX told me that I needed to file an Identity Theft Report with the FTC and my local police department then upload the document to XXXX 's docucenter for their files. I also called the collection agency known as Online Information Services to notify them of this fraudulence and identity theft. They provided me the original account information as well as the address to where the XXXX XXXX was providing service. Online Information Services, the debt collector, also told me I will need to fax XXXX XXXX the Identity Theft Report and they provided the fax number.
Product: Mortgage

I have been out of work for two weeks due to results pending for my daughter. I will not be able to make mortgage for the month of XXXX and struggle with XXXX mortgage due to caching up on other bills that I will be behind on
Product: Checking or savings account

I opened a new Wells Fargo checking account online using this link ( https : XXXX ) on XX/XX/2020. I entered my XXXX zip code and was told that my account was eligible for the {$400.00} bonus. The terms were to have {$4000.00} in Direct Deposits within 90 days of account opening. I completed the requirements onXX/XX/2020then waited 90 days for my promo to be applied to my account. I reached out onXX/XX/2020to inquire when I would receive my bonus money. The banker advised me a promo code was never applied to my account and that I wont receive it. The banker filled out a form for me about not receiving my bonus but it has been over a week so I called again asking about the status onXX/XX/2020. They transferred me to multiple departments and my call was dropped without ever getting a real answer from a banker on what is happening with my bonus. One customer rep said they're being " backlogged '' and that they cant advise on what is happening with my account.