23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.
Product: Bank account or service

I reported my card lost/stolen on the night of XXXX XXXX 2016, at the time I wanted to expedite my replacement card, I was told that i would have to wait I would have to wait til Monday. Monday morning I call and I am told the hold is still on my account. Tuesday XXXX XXXX, I call with the same request, this time they tell me the card was sent. I asked how this was possible, they had no answer for that question. I asked for time of delivery and they said XXXX10 business days, so I tell them i have financial obligations I need to take care of, so we setup another replacement card to be expedited ( XXXX3 business days ). i did not receive it in the time allotted, i have talked to these Representative countless times and this still no mitigation.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corporation is reporting inaccurate account balance information on an account that was charged off in 2016. There's no way two years later that the account is in collections for a balance on a closed account. I have disputed this over and over again. This company can not provide any information about the origin of the account and why they are trying to collect on a closed account. This is a fraudulent company that is scamming consumer out of money on closed account. When the information is disputed they provide the reporting agency false information pertaining to the account. This needs to be removed from my account before I'm forced to take legal action.
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE AUTO FINANCE took cash. The finance charge is suppose to include insurance but CAPITAL ONE AUTP FINANCE made me purchase insurance separately. CAPITAL ONE AUTO FINANCE is also obligated to disclose information about rescission pursuant to 15 USC 1635. In fact, CAPITAL ONE AUTO FINANCE told me I had no right to rescind in a statement called " COOLING OFF PERIOD ''. CAPITAL ONE AUTO FINANCE furnishes my consumer reports with XXXX party organizations without my written consent pursuant to 15 USC 1692c ( b ).
Product: Vehicle loan or lease

I have been attempting to get an original vehicle title sent to my local treasurer 's office since XX/XX/XXXX of XXXX so I can register my vehicle. After XXXX  months, I chose to pay off the remaining balance ( XX/XX/XXXX ) so they would be legally required to release the title. 

I was given a log of their previous attempts to solve my problem. I will include them in the email. You will notice a phone number and a name of a contact they " allegedly '' called, however the phone number listed 9 times is a fax number that can not be dialed by phone and is a division of heavy equipment under Wisconsin XXXX. The person listed " XXXX  XXXX '' is not an employee in the directory according to my request with Wisconsin XXXX customer service. None of it makes sense. 

NOW I just want the electronic title to be released so Wisconsin XXXX can print and mail the title for the vehicle I have PAID FOR in FULL so I never have to work with this company again.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; Lakeview Loan Servicing and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by Lakeview Loan Servicing in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned Lakeview Loan Services. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for Lakeview Loan Services, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from Lakeview Loan Servicing acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. Lakeview Loan Servicing considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by Lakeview, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling Lakeview Loan Services. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to Lakeview with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to Lakeview Loan Servicing have been reported as late. Finally, there was a supervisor representing Lakeview Morgage ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and Lakeview Loan Servicing that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though Lakeview Morgage has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours
Product: Checking or savings account

My name is XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint as follows : *on XXXX received a check # XXXX in the amount of {$1600.00} - mobile deposited it into our Wells Fargo business account on XXXX. 
*In XX/XX/2020, I came across the check, looked up in my online business account to see if the check was credited to my account. It did not show credited. I assumed that the check inadvertently did not get deposited so I mobile deposited it again on XXXX. 
*I then received a notice from Wells Fargo that the amount deposited was returned because XXXX XXXX ( customer 's bank ) indicated that the check was previously deposited therefore it was considered a duplicate. 
*Upon contacting my customer, they informed me that the funds were taken from their account on XXXX. My business account has NEVER been credited for {$1600.00}. 
*I have since filed 4 claims with Wells Fargo Bank to research and locate the missing funds, made at least 14 follow up calls, and have physically gone into the bank twice to get answers. 
*Bottom line, I made a deposit into my XXXX account, my clients account had funds taken from their account yet NO FUNDS were ever credited into my account. Somehow Wells Fargo Bank lost my funds and NO ONE has been able to fix this problem.
Product: Prepaid card

Around XXXX months ago, I referred my a friend to capital one shopping portal amidst an elevated bonus period. He placed XXXX orders and received a {$200.00} bonus. I have provided them a screenshot detailing this to capital one. I have attached that screenshot below, proving they saw fit to reward my referred. 

However, I never received a bonus for referring him in parallel, delivering a customer to their platform. 

I then contacted customer service many times between XX/XX/XXXX and XXXX and was told that I did not meet criteria despite having delivered him to Capital One. They were unable to provide me with specifics as to why, after he received his bonus, I did not qualify for mine. I was unable to speak to both a supervisor and any agent by phone. I contacted executives ( XXXX, XXXX, XXXX, XXXX ) there, as well, on XX/XX/XXXX and have received no response. 

Capital One promised me {$200.00}. I did my part and they have opted out of doing theirs in the interest of improving their bottom line.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This is a follow up of because I was not able to submit the photos before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian never investigated my dispute against XXXX XXXX XXXX. My complaint is that the collection amount reported to them is not mine, because it isnt. Experian never investigated as XXXX is unable to confirm anyone from Experian ever reached out for any confirmation or investigation whatsoever. What I did experience throughout the process was a constant bombardment of credit offers and sales promotions. Experian advertised a service they didnt attempt to provide.
Product: Debt collection

On XX/XX/2020 I received two voicemails on my cell phone. My mother called the number back at XXXX XX/XX/XXXX. They asked to speak with me, she asked who she was speaking with and the representative said convergent outsourcing. My mom asked what kind of company that was and he said a debt collections company ( Not supposed to say that! ) She said Ok and the man proceeded to release all the info about my debt to a 3rd party ( Not supposed to do that ) She advised that rep it was not convenient for me to receive calls on that phone number unless it is after XXXX or XXXX est ( She couldn't remember which one she said ). 

On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX ( not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX )
Product: Credit card or prepaid card

I recently filed a billing error complaint with the company in XXXX and I haven't received any acknowledgement of my complaint, nor have the updated my account, which they closed, with claims, due to fraudulent activity. according to 12 CFR 1026.13 - Billing error resolution, they have violated the law and has bought a lot of damage to my credit report, which has affected my life. I would them to be held accountable and to fix all the damages, pay any monies and violations that has occurred.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Refer to Complaint # XXXX. 

I first contacted Equifax about receiving the XXXX  error on my first login XX/XX/XXXX of XXXX, after I physically mailed them all of my updated identity documentation ( legal name change via courts, followed by last name change via marriage license ). I like to keep a close eye on my credit, and I do not have access to my information online because of an error that the website claims can be fixed by calling their support line, which I have done multiple times. I have also emailed them several times since the first time. Out of that time period, I have only gotten 2 emails back, saying " we're working on it '' or something to that effect. Otherwise I am entirely ignored, while being regularly offered upgrades to Equifax Complete Premier. Why would I upgrade when the base product won't even work, and customer service won't even respond? Over the phone, they offer periodically to send me my credit report, but that is ridiculous. I should be able to access it like any other person with an Equifax account. 

They responded with wanting me to re-register. So they deleted my account, I made a new one, and I experience literally the same exact issue. XXXX  error. Nothing has been fixed. 

I'd bet money that it's a problem of having two files on me because I've legally changed my name in the past, but I XXXXsent them that information by mail, and agents have confirmed it was received and updated*** years ago. No one will respond to my emails or call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 Equifax data breach - my information was accessed without my permission.
Product: Credit reporting or other personal consumer reports

I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The contract dates, amounts and city are wrong and the warranty was not honored
Product: Debt collection

I have been living in the same house for more than 5 years. this collection is from a condominium I have never lived in before. my credit has many positive on-time paid accounts so this collection from XXXX XXXX XXXX / XXXX  XXXX XXXX is really affecting me. I am trying to get a new car and also apply for other things and this has been affecting me majorly. please remove this inaccurate account from my credit report and update it. I have contacted all three bureaus to let them know about this devastating situation. thank you for your time.
Product: Debt collection

On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched my telephone contract on XX/XX/2021 from XXXX to XXXX XXXXXXXX as my current contract had come to an end. 
Without telling me anywhere at any point XXXX XXXX  ( XXXX XXXX ) performed a hard credit search on my file without my consent. 
I am under the impression that this is against the law and I would have never done this if I was told it would incur a hard search. 
I am in the process of purchasing my first home and as a result of this I have lost the house due to the mortgage being declined due to the negative affect on my credit score that the hard search has done. I have also lost a lot of money that I had already paid to solicitors, mortgage brokers and developers etc. 
I have already logged complaints with XXXX XXXXXXXX XXXX XXXX and experian and have been told that nothing can be done. 
I need this removing from my credit file immediately please can you help