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

THIS IS A NEW ISSUE AND COMPLAINT AGAINST WELL FARGO. My car was totaled and the insurance company paid Wells Fargo the insurance reimbursement. I then was left with a XXXX balance on the loan with $ 570 monthly payments ( attached statement ). This all happened during Covid19 crisis and during this process I lost clients and my income was cut in half. It tried working with them on several occasions to reduce the monthly payments and they refused. They offered no Covid19 payment options and also said they weren't offering any re-financing options. I filed a complain with you/CFPB and a representative replied they would work with me and call them. I called and they still refused to work with me on any type of payment plan or refinancing options. I then received a letter in the mail ( attached ) that said I had to pay the entire balance immediately and have posted two late payment credit reporting which has brought my score way down and is severely hurting me. I'm requesting an investigation at this point as I do not know what to do as they falsely saying they will work with me. At this point I may have file bankruptcy and need help.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX XXXX  is being reported on my credit report that is not mine. I have no knowledge of what this is or why its there please remove
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the unlawful practices and inaccuracies associated with a debt reported by Automotive Credit Corp. This debt was initially brought by XXXX XXXX, subsequently referred to XXXX XXXX XXXX XXXX, and later sold to a third party, XXXX XXXX XXXX XXXX. The vehicle tied to this account has a VIN ending in XXXX. 

Despite my ongoing disputes, XXXX has refused to remove this debt from my credit report. The account listed as [ Automotive Credit Corp account ] has been repeatedly marked as " verified, '' despite a lack of sufficient evidence supporting its accuracy. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable investigation into any disputed information. Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) mandates that if the furnisher of the disputed XXXX & XXXX XXXX. in this casefails to provide verifiable proof of the debt 's accuracy, the information must be promptly removed from my credit file. 

It is important to note that " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Specifically with XXXX the address identification number associated with this debt on according to this bureau does not match any of my current addresses. This discrepancy constitutes a violation of Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ). 

When I reached out to XXXX & XXXX XXXX. Debt XXXX for clarification regarding this debt, I was threatened with legal action. Such actions violate the Fair Debt Collection Practices Act ( FDCPA ) under Regulation F. Additionally, this conduct contradicts the requirements of 15 U.S.C . 1681s-2, which obligates furnishers to provide accurate and reliable information. 

In XXXX, XXXX XXXX XXXX XXXX. initiated legal proceedings against me. However, they failed to adhere to proper legal procedures, resulting in the dismissal of the case. Their use of multiple incorrect addresses and failure to serve me highlight a repeated pattern of procedural and reporting inaccuracies. 



Thank you for your prompt attention to this matter.
Product: Credit card

During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.
Product: Debt collection

I started recieving emails from LVNV Funding LLC about a past due XXXX bill. I am a current subscriber to XXXX XXXX  for 3 properties, so this immediately brought XXXX  to me,. After contacting XXXX XXXX, I was told I am paid up to date, I have no past due obligations to the company, and I am on an auto pay for all 3 accounts. 
I just recently received notice via mail from Resurgent Capital Services attempting to collect the same debt through XXXX XXXX, working with LVNV Funding LLC. As I looked at the bill, the final bill is from XX/XX/XXXX. Over 11 years in age. This is past the statute of limitations for the state of Michigan. I called the collector on XX/XX/XXXX and asked why are they attempting to collect a debt over the 6 year mark, and they said there is no limitation on trying to collect this debt, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Im having the same issue. Experience says that in their system they see no freeze. No fraud alert. Well I applied again and they said they didnt see any credit at all. Unable to see my credit report. This is terrible. Its been XXXX months since I reached out about my address missing. 
I received an email my address was updated only To see that it was incorrect still. My dl says XXXX XXXX XXXX apt XXXX XXXX tx XXXX Experian updated it to XXXX. I dont know how when my dl says XXXX as well as my utility bill. 

I need the address fixed and I need for lenders to see my Report. Something is wrong in XXXX system if they see no freeze but lenders do
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XXXX, XXXX and Equifax are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.
Product: Payday loan, title loan, or personal loan

A scammer pretending to represent Speedy cash call XXXX XXXX XXXX lied to my daughter stating that he would bring her credit score up and a XXXX will be deposit to her account after two deposit to her account to bring her credit score to XXXX. My daugther had a problem with her bank account with some other transaction and could not use it to have the money deposited. I let her borrow my account to deposit this amount. He deposited XXXX and instructed my daughter to ask me to transfer her to her XXXX account and she proceeded to send it to an unknown woman. He then lie to her stating her credit report was not high enough for the loan and wanted to repeat the transaction using my bank account. I completely refused and told him by calling the number above that I will report him to your organization. I recently received a claim letter stating that a temporary credit will be put in my account after my bank complete an investigation. This transaction was made through an ATM. I know this is a scam and they are trying to utilize my bank account to transfer money. Please contact this scammer above or track his address for investigation.
Product: Vehicle loan or lease

I was having a hardship paying my car payment and SNAAC didnt offer a payment plan or a lower payment for longer. They just said to get an XXXX XXXX XXXX loan which is not for withstanding debt. I called to try to give them my credit card and the Customer Service Agent said it wasnt accepting it because it was declined before but I had money at the time. I have two loans through them and I accidentally payed for the wrong car. The one that was wrecks with no insurance so I have been paying on it anyways since 2015.
Product: Debt collection

The apartments are charging me extra months of rent I did not stay at the property I feel like I shouldnt have to pay a debt that is wrong you dont overcharge people
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and 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: Debt collection

XXXXrequest to Security Credit Services LLC to verify the debt at address XXXX XXXX XXXX XXXX, XXXX MS XXXX *Letter returned to sender as refused//unable to forward XXXX2nd attempt letter to validate the debt Security Credit Services LLC at address XXXX XXXX XXXX XXXX, XXXX MS XXXX XXXX XX/XX/2018 @ XXXX no response received from the company I sent letter to Security Credit Services LLC requesting them to validate the debt . My attempts have been returned or no response from the company. The amount showing on my credit report is $ XXXX.I reach out to all credit bureaus to see what method did they use to verified the debt since I received no response. I only received a letter back stating that it was accurate and verified again.This have been almost a year and no communication from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$590.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX ( Separated Spouse ) XXXX ) XXXX / XXXX XXXX ) Back in XX/XX/2021, there were 2 unauthorized wire transactions that was taken from my savings account. When I reported it to my bank ( XXXX ) as a fraudulent transaction they notified Capital One which is her bank that the money was sent to without my approval, and they proceeded to freeze her Capital One account. By doing so, XXXX was unable to withdraw the funds or utilize the funds which is good because it was fraudulently withdrawn from my XXXX account. My bank has reached out multiple times to Capital One to reallocate the funds back into my account but Capital One is being extremely difficult and from what it seems have took it upon themselves to close out her account and not return my money back to XXXX the original account. The grand total she took from me was {$18000.00} dollars. I truly need help with this ordeal please. I have a paper trail of information to support my claim
Product: Debt collection

Credit Corp Solutions are in violation of the CFPB 12 CFR 1006.6 They continue to report to credit reporting agencies and collect on an alleged debt. They have not validated this alleged debt. i have sent a cease and desist letter this is my second attempt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX - account closed affecting credit report and not deleted off credit report XXXX XXXX XXXX account closed affect credit report and already deleted off credit report per transunion XXXX XXXX XXXX never opened account and XXXX be affecting credit score XXXX XXXX XXXX {$920.00} dollars reporting false information and affecting credit score
Product: Credit card

I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Bank of America. The account is unauthorized and fraudulent. I have never applied for a credit card account with Bank of America.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

They are calling my place of business and harassing my receptionist and staff in the office. Going as far as to ask my schedule, additional phone numbers for me and personal information. When I told them I ca n't speak at work, they begin to yell and threaten me about wage garnishments and telling my co workers.
Product: Debt collection

Good afternoon! I am filing a complaint in regards to a Capital One account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & Capital One, nor XXXX, XXXX XXXX XXXX Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to XXXX as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from Capital One or XXXX. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXX was not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.
Product: Credit reporting or other personal consumer reports

When it comes to Experian, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX Experian is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX XXXX  XXXX  for {$37000.00} COLLEction Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

My landlord XXXX XXXX went into my room I rented from her stole my XXXX  drivers license. XXXX XXXX XXXX over XXXX times, XXXX XXXX police XXXX XXXX  # XXXX responded. I said my stuff was stolen while XXXX inspected my room. All XXXX  officers appeared XXXX at a time and did not arrest her. 
XXXX XXXX appeared with XXXX XXXX witnessed XXXX throwing all my food out. 

XXXX bank statements were stolen by XXXX XXXX XX/XX/2023. I didnt authorize anyone to put any credit cards-in my name XXXX XXXX XXXX XXXX at all. 
She has my social security card, XXXX birth certificate as well. I left everything when she along with XXXX # XXXX & XXXX # XXXX left me unconscious in my own blood inside XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Equifax are 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Checking or savings account

I hope this message finds you well. My name is XXXX XXXX XXXX XXXX and I'm writing to formally lodge a complaint against XXXX  and their Way2Go Debitcard Program for failing to acknowledge and properly handle a dispute regarding fraudulent withdrawals from my account. 

In summary, I discovered unauthorized transactions on my account on XX/XX/2023. As required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I reported the issue through a certified letter sent via USPS within the stipulated 60-day timeframe. This action has been documented through a tracking number provided by USPS, verifying the delivery of the letter. 

However, the bank has consistently failed to acknowledge the receipt of this initial complaint, despite providing them with the tracking information. Further, they have insisted that the dispute open date is based on when they opened the dispute internally, rather than the date when I sent the certified letter, which goes against the principles of the EFTA and Regulation E.

I've made several attempts to resolve this matter with Conduent and the Way2Go Debitcard Program through their designated customer service channels. Still, these efforts have proven fruitless. Contact with the company was only initiated after I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and even then, the issue has remained unresolved. 

This communication has been primarily through email, as the contact number provided on the back of my card leads to no live assistance. The correspondence between myself and a representative of Conduent 's Way2Go Advocacy Group, named XXXX, is enclosed within this letter. 

In accordance with the EFTA, Regulation E, and potentially the Uniform Commercial Code ( UCC ) if the unauthorized withdrawals were made via forged checks, I am seeking your assistance in launching an investigation into these unauthorized withdrawals and limiting my liability to the maximum extent permitted by law. I believe that my rights as a consumer have been violated and request that this matter be urgently addressed. 

Thank you for your attention to this matter. Should you need additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX