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

I lease a car at XXXX XXXX in XXXX XXXX  a few months back, not even XXXX weeks with the car, the car had multiple issues, smoking from the engine and everything. I tried to get the issue resolve at the dealership, however they didn't care to assist me. So I returned the car, gave them back the keys and till this day the car is sitting at the dealership XXXX advise me to have to car tow to. XXXX XXXX in XXXXXXXX XXXX. From early XXXX since I returned the car and ask them to close the contact. Nothing is being done.XXXX  is the XXXX at XXXX XXXX. XXXX and Stellantis Financial Services continue to do nothing about this situation pretending I have this car, knowing I turned the keys and the car back to the dealership months ago before I even received an invoice from them. I also reach out to Stellantis Financial Services today and all they want is money from me for a car I DO NOT HAVE! All I'm requesting is to get my Down payment money back so I can look for a new car. I'm about to go on XXXXmonths without a car.
Product: Credit reporting

I have disputed numerous accounts on my credit file that have not been mine or I have no knowledge of but each time the credit reporting agency comes back and states that it is my debt without providing proof that is indeed mined. The accounts are XXXX, XXXX XXXX ( which was deleted from XXXX ), and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights. Under XXXX5USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX continues to incorrectly report the accounts listed as XXXX XXXX, XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY Experian but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/19 some opened up a bank account in my company name and intercepted a wire that was meant for my company in the amount of {$5200.00}
Product: Mortgage

I currently have a Mortgage account with Flagstar Bank. We live in XXXX, Texas I have an escrow account that they claim is short {$3700.00} which is incorrect and they insist it's due to higher Property Taxes which is also incorrect. Please see below for the breakdown of the mortgage payment. 

Principle & Interest : {$1000.00} Escrow Amount : {$830.00} According to my analysis/breakdown of the Escrow amount it's enough to cover my Property Tax/ MUD Tax & Insurance , PMI Property Tax : {$3800.00} MUD Tax : {$2700.00} Insurance : {$1700.00} PMI : {$1600.00} Total {$10000.00} XXXX / XXXX {$830.00} monthly escrow amount for a NEW monthly mortgage amount of {$1800.00} However, they claim we are short in the amount of {$3700.00}. Flagstar made a payment to our MUD tax in the amount of {$2700.00} that overdrew the escrow account by {$1400.00} which we paid this week, this included an amount of {$800.00} that we had in excess {$1400.00} + $ XXXX {$2200.00} ( for MUD ) still short {$450.00} does if the Escrow account was to honestly be short it would have been {$1900.00} which means I still owe {$450.00} True Shortage. 

Their calculations are way off. I would like this to be researched & corrected. The amount they claim we are short is an amount as if we had purchased another property makes NO sense! 

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

I XXXX XXXX reserve all rights from XXXX  XXXX without prejudice and reserve my right not to be compelled to perform under any contract not entered into knowingly, volunatarily, or intentionally. I do not accept the liability of any compelled benefit of any undisclosed commercial agreement or contract not entered into knowingly or intentionally. Transunion has fraudulently represented the living man XXXX XXXX by presuming ( him ) to be XXXX XXXX and not XXXX XXXX. Transunion has violated 15 USC 1692 ( a ) deceptive practices due to XXXX XXXX not being an individual person, CONSUMER, or fictional corporate entity. Transunion does not have the legal authority or capcity to contract with the living man XXXX XXXX neither Transunion has any mutual agreement or conract signed by the livng man XXXX XXXX to consent with any of its terms for CONSUMER reporting. Transunion continues to report false and misleading account information pertainting to corporate entities which is fraud. Transunion 's failure to acknowledge the any claim in this complaint will be deemed as truth in commerce and used as admissible evidence in State or District court.
Product: Mortgage

Two part issue, back when covid happened I missed one payment. I and XXXX tried to resolve the problem through their company they would not speak to anyone. I tried again to get it resolved and they lied and told Texas Payment assistance I was not delinquent, so I decided to sell my home. When the title company contacted them about payoff they didnt want to give them a amount.Instead of giving them the correct amount they gave them an amount for the loan I had with them and a old loan that was forgiven and they waited until they got the payment and then reported to all 3 bureaus I was delinquent and claiming Im not making payments and I have a XXXX late payment and a balance of XXXX I sent the CD from the title company to the bureaus and they said they had to go with what Homeloanserv/Idaho Housing Finance report to them.Act # XXXXThe house was sold and paid off on XX/XX/23. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX made this fraudulent report to the credit bureaus on XX/XX/23.
Product: Debt collection

I have called the loan that was mentioned in the letter from XXXX XXXX. Spoke to XXXX  XXXX to verify if I have a loan with them I have NO loan with them, also called Speedy Cash same I have no loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy petition on XX/XX/2020. Several creditors closed my account per policy even though they were not listed in my bankruptcy petition some of the accounts updated as close/payed as agreed, other accounts that were listed under bankruptcy by mistake, when they were not listed in the petition agreed to update or remove their accounts from the credit file because the accounts were at a XXXX balance when they received the notice. 

I have filed multiple disputes with XXXXXXXX XXXX XXXX XXXX  and TransUnion. XXXX stated that they had to close my credit card account after receiving notice and this was per their policy. XXXX continues to report my account inaccurately as they claim my account was XXXX through a chapter XXXX bankruptcy, the company is also reporting the closed account as being continuously delinquent every single month which only updates itself the following month so it stays delinquent for 30 days until the next month in which it erases itself from the previous month before and update as delinquent again in the current month even though XXXX reports the account as closed. 
XXXX is refusing to remove the bankruptcy tag and has failed to show any proof or documentation other than the initial notice they received as public information from the US Bankruptcy Courts just as the other creditors received as a courtesy. XXXXXXXX XXXX XXXX XXXXXXXX was not listed on the creditors matrix as an account to be XXXX in my petition. When I asked XXXX to remove this inaccurate information, they stated they could not remove the bankrutcy tag in their system and only could provide me a copy of a XXXX balance letter, stating the at the time they received notice of petition filed on XX/XX/2020 the account was at a XXXX balance. 

TransUnion claims the letter only supports the account was at a XXXX balance but does not state they request the account to be removed therefore, TransUnion refuses to remove the account or remove the negative reported inaccurate information. Whenever I file a dispute with TransUnion and a investigation is conducted the investigator states the account representative always reports what is in their system that the account was discharged in chapter XXXX bankruptcy, which they ( XXXX XXXX admitted they can not remove this tag from the system, therefore information reported from this creditor will continue to report inaccurate information unless they ( XXXX XXXX agree to delete this credit card account from TransUnion. 

I submitted this XXXX balance letter provided by XXXX to the other two credit reporting agencies XXXX and XXXX, and it was sufficient enough to remove this account from the credit files I listed above, but TransUnion says this XXXX balance letter it is not sufficient and this is why they have not removed the account. They claim this letter simply updates the account as XXXX but does showcase the creditor is asking their file to be deleted. This is why I am also making a complaint about TransUnion as well.
Product: Credit card

Short version : Due to series of bank errors, a credit card account was closed due to late payment. The late payment and account closure were reported to XXXX, XXXX, XXXX XXXX and XXXX. Due to this, I was denied a credit card by the credit union through which I applied. I 'm in the process of closing my accounts with Wells Fargo Bank ( WFB ) and moving them to XXXX XXXX XXXX. 

Details : My only credit card issued through Wells Fargo was stolen in XX/XX/XXXX so I was issued a replacement credit card with new account number. For automatic payment, the credit card department connected my card to a closed checking account, not my error. Ergo, the payment was denied and I was charged {$33.00} for the denied payment and then a {$15.00} late fee. The closed bank account was not attached to my savings account so that the payment was not taken from there, again, a bank error. Further, I was unaware of any of this because I never received a paper bill, my credit card account was not listed on the account summary page I frequently signed on to check on line and my credit card account did not reflect the address change I made to my account soon after the new credit card was issued. Address changes on my other accounts with the same bank were made immediately. I have done business with WFB for years and have never had any problems of this sort. It may be of interest to note that in XXXX 2016, I was given a loan through WFB for a car I bought. That loan has been paid in full.
Product: Checking or savings account

Upon reviewing our bank accounts with Wells Fargo, we realized that there was a debit to our joint account for {$7400.00}. Upon further investigation, we saw a fraudulent check written to a fake name and cashed at a check-cashing shop on XX/XX/XXXX. 

This account, in particular, has never had checks assigned to it, and this was the first check drafted from the account over the entire XXXX history. 

We immediately called the customer support number upon discovery ( XX/XX/XXXX ) and were reassured that the funds would be replaced within ten days ( this was stated on a recorded line ) and proceeded through the process of changing bank account numbers and new debit cards. 

We did everything the Wells Fargo website said to do when a fraudulent item was discovered. Imagine our surprise a month later to find out that not only had the money not been reimbursed, but because more than 30 days had lapsed from the closing bank statement, they were not obliged to return any of it. 

We have always believed in the banking system and have never had any issues with fraud in over 50 combined years with Wells Fargo. I am opening this claim in the hopes that the CFPB can assist us in getting our stolen funds returned to our account. The fact that any bank can get away with this has shaken both of our beliefs in the entire banking system. 

Wells Fargo 's 24/7 Security Protection that they flaunt on their website did not notify me of a suspicious transaction, nor did it protect me when they allowed somebody to access funds from our account without our permission. 

Credit cards have no statute of limitations regarding fraud ; why are banks held to much lower standards? Fraud is fraud. I never gave anybody access to my account. I never fell prey to a phishing scam. I went to work like most of us, thinking my funds were being protected, only to discover that the reality is that our funds are not protected from one of the oldest and easiest forms of banking fraud : fake checks. 

For the past 10 months, every employee we have spoken to has agreed that we should be reimbursed ( These calls were recorded ). From branch managers who helped us submit our initial dispute claims to the XXXX dispute department reps, yet despite police reports and everything else that was requested, Wells Fargo spent less than a day to reply with the same answer " More than 30 days have passed from the statement so there is nothing we can do at this time. '' I am hoping that my attached documents find themselves in the hands of somebody who can step up and help make this right. We have exhausted all means of recourse with Wells Fargo and hope that the CFPB can ensure that we are treated fair and just. 

Thank you for your time, XXXX
Product: Money transfer, virtual currency, or money service

These two transactions was for my hair appointment, The {$55.00} was for the deposit and the {$110.00} was for the remaining balance. Today was my appointment and the lady gave me a false address and ended up blocking me on XXXX XXXX. She reached out to me in XXXX after I joined a XXXX group looking for a hairstylist located in XXXX nc. I was told to send the payments through cash app.
Product: Credit reporting or other personal consumer reports

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, TransUnion.XXXX XXXX  these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account PORTFOLIO RECOV ASSOC ( Account Number : XXXX, Original Creditor : XXXX XXXX 
Date Opened : XX/XX/year>. XXXX {$600.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXXXXXX XXXX and I do not have any contract with PORTFOLIO RECOV ASSOC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a Finance charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to Transunion to get a free credit report, like I did with XXXX, but Transunion charged me {$26.00} for a credit monitoring service I did not apply or register for. When I called Transunion to ask why I received an email saying I joined, they were not sympathetic to my problem and said that I must have signed up without knowing. He also said that many people make the same mistake. When I told him I never entered this agreement, he was hostile about my request to cancel it. The Transunion rep stopped the auto payment but didn't cancel the initial {$26.00} I never asked for in the first place.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an incorrect credit reporting issue on my XXXX and XXXX credit reports. 

I previously had a collection account from XXXX  XXXX, assigned to LJ Ross. The details are as follows : Original Creditor : XXXX  XXXX XXXX XXXX : LJ Ross Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX Original Balance : {$390.00} Current Balance : {$0.00} ( Paid in Full ) Date Assigned : XX/XX/year> Despite paying the account in full, the collection account remains on my credit report, negatively impacting my credit score and limiting my ability to obtain fair credit terms. 
Reasons for Complaint : Fair Credit Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ) : Since this account has been paid in full, it should no longer be negatively impacting my credit profile.

Unfair Credit Reporting Practices : The collection agency has failed to update my account status correctly to reflect my responsible payment. 
Request for Removal : Many collection agencies remove paid accounts as a goodwill gesture, and I am requesting that this be done in my case. 


Thank you for your time, and I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I received an email from Xoom XXXX informing me of a transaction to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX United States XXXX There amount taken out of my account is {$800.00}. This was never authorized by me and I do not know the company or recipient. Please help.
Product: Credit card or prepaid card

RE : Previous CFPB Complaint # XXXX I previously submitted the above referenced complaint to Capital One, on or about XX/XX/2018, with a copy to CFPB. The issue centers on a reduction of my credit limit ( from {$30000.00} to {$1000.00} ) FOR NO APPARENT GOOD REASON. It took Capital One approximately three weeks to respond, only to essentially repeat what was stated in their original correspondence, and DID NOT address the specific questions/request for additional information included in my complaint letter. 

As previously stated, I do not necessarily intend to utilize the full credit limit on a regular basis. The issue, however, revolves around the negative impact that this reduction in credit limit, either has already had, or will stand to have on my overall credit rating and score. 

Copies of my original complaint letter and attachments are attached herewith.