23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DEFAMING MY CHARACTER. The IRS stated that a charge off is gross and ordinary income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not report income on my consumer credit reports. Furthermore, the amount charged off is incorrect. They are violations of Fair Credit Reporting Act., XXXX 's attached below. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid, Closed/Never or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of XXXX violations of ( CFRA ). 


XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, TransUnion and XXXX violations of Fair Credit Reporting Act ( CFRA ). I will sign the settlement as soon as the necessary corrections to my credit report are done.
Product: Checking or savings account

I AM LOCKED OUT OF MY ACCOUNT. THE CHASE BANK SAYS I HAVE TO COME INTO A BRANCH TO UNLOCK MY ACCOUNT BEFORE I CAN MAKE TRANSACTIONS OR HAVE ACCESS ONLINE LIKE I HAVE ALWAYS DONE. THE MATTER IS I DONT RESIDE IN THE XXXX XXXX XXXX CHASE BANKS  ARE .... I LIVE IN XXXX XXXX XXXX. 

CHASE BANKS  INSIST THE ONLY WAY TO ACCESS " MY MONEY ACCOUNT '' AGAIN IS TO COME A BRANCH. THAT IS UNACCEPTABLE TO ME .... TO FLY TO THE XXXX FOR SUCH! PLEASE CORRECT THIS MAJOR PROBLEM FOR ME ... .AS CHASE BANK HAS " MY MONEY '' IN WHICH I NEED TO LIVE WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX  XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Product: Credit card or prepaid card

In XX/XX/XXXX, I walked to the Key bank branch located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, I asked the employee at the bank to send me the convenient checks from my master credit card to me, I specified that I could like the free interest for a curtain time and 3 % fee upfront ones. I did receive few packs checks from Key bank ; they even printed the " 0 % interest '' on the envelop of at least two of the packs. I cashed the check around XXXX. I noticed there were interests charged beside the 3 % fee to the account after I received the credit card statement posted online in late XXXX, so I went to the same branch. The branch manager suggested I pay the card for the amount indicated on XXXX statement, and he didn't know how much the interests the credit card charged me, he could want to wait the XXXX statement to figure them out, so he scheduled an appointment with me to talk to him again on XX/XX/XXXX. So, I paid {$380.00} as shown on the statement. I met the manager on XXXX, he checked the second statement. His suggestion was to use other checks the bank send to me to pay the first check I wrote, and to get another loan from bank. In total I will pay bank 6 % upfront fee and the high interests bank already charged me, I didn't ask anything like that. So, as of today, I managed to pay all the money I got from bank, I paid {$380.00} in XXXX, I paid rest by check, wire transfer, cash, total {$23000.00}. Together all the money from back, {$24000.00}, was returned back to bank as of XX/XX/XXXX. The fee {$720.00}, the interests bank charged me in XXXX and XXXX, XXXX, {$130.00}, {$5.00}, {$290.00}, {$14.00}, total, {$1100.00}, I will not pay any of those. The bank sends wrong products not as they advised to me, and I never asked the product, so I just returned the wrong product back to them. And I will not pay any interests or fees in the future on this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX Williams & Fudge XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear WILLIAMS & FUDGE INC , I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution.

I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. To clarify : Unauthorized Disclosure : On XX/XX/XXXX, I discovered that my personal financial information may have been shared with third parties, which I did not authorize.

Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law.

Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices.

In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. 
Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision.

Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action.

Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. 

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This letter will again ask that you Validate this debt and follow the FDCPA and provide the following : I do mean ALL, validations of alleged debt. 

( Validation of Debt ) - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in MY state. 
- License proof to collect debts in YOUR state. 
- A credit agreement signed by me and original creditor. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 
- Copy of my Social Security # which is required to open this type of account. 
- Proof from whatever shipping service that was used to provide alleged merchandise or items bearing my signature saying delivered to my address. 

As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company. 

Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED from my credit report IMMEDIATELY. 


The only communication you may have with me is to provide proof of all items requested above and that all accounts and negative remarks and comments has been removed from my credit report.
Product: Vehicle loan or lease

I received an email from the lender on XX/XX/XXXX regarding assistance programs offered. I reached out to lender on XX/XX/XXXX and a rep mentioned extensions and payments arrangements. I proceeded to set up a payment arrangement, but rep advised me to call the assistance team. I called and spoke with a rep who asked me a series of uncomfortable probing questions such as : 1. When did your financial hardship start?

2. How long do I inticipate being in a hardship?

3. What is my back up plan for meeting payment obligation?

4. When will I resume work?

5. What can I pay?

Etc. 

I asked if these questions were apart of the payment arrangement process, and I was told, that my account needed to be reviewed further. Also, the answered questions would help to determine if assistance could be provided. I informed the rep that I was affected by COVID-19 pandemic, and was also an XXXX. I explained I have experienced hardships since the beginning of the pandemic. Since I have requested assistance in the past, that process was fair and non-invasive unlike this current experience. He concluded that I was denied for an assistance program, and he transferred me to his supervisor. 

When I spoke with the manager, I asked if the company had a maximum allowed number/amount for utilizing payment arrangement or extensions within the assistance program. She said no, but then told me that the reason I was denied to make a payment arrangement, was because I had set up too many arrangements in the past. She also refused to explain the company policy for customers who suffered hardships from COVID-19 pandemic. She claimed she did not know the corporate email address, so she put in a call back for an executive to reach out. I asked if there was something in writing detailing requirements for the assistance program, she claimed it did not exist. The experience seems discriminatory, because I was notified about assistance programs, and the reps completely refused to allow me to access account services like other customers.
Product: Mortgage

Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX XXXX ) to verify a public record. My XXXX XXXX credit report is frozen yet they claim to be using them to verify this public record below. 

XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet XXXX  keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. 

the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i  ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. 

XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my wallet was stolen, which included my social security card. On XX/XX/2022 SUNTRUST DBA LIGHTSTREAM ( Bank ) ran my credit even after I had a fraud alert put on my account and I received no notice of this credit check. It is not showing as a hard inquiry on my credit report. I am attempting to contact them with no luck so far. This hard inquiry is fraud.
Product: Credit reporting or other personal consumer reports

I check my credit report on XXXX and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXX XXXX creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX Original creditor name Open Balance XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor name Open Balance XXXX XXXX They have not responded to me
Product: Mortgage

I recently attempted to contact Wells Fargo to inquire about the settlement concerning wrongful practices for mortgage customers. My house was foreclosed in 2012 after my monthly payment increased 30 % and Wells Fargo refused my attempts to refinace or negotiate a loan modification for a path for me to keep my house. After Wells Fargo and other banks received billions in Federal bailout money, they put the squeeze on me and took my house when I was most vulnerable. I had owned the house for over 10 years and in a matter of months it was sold-off for {$30000.00} below fair market value. They just cleared it from there books, another statistic of the Great Financial Crisis. Although Wells Fargo never lost a penny on my mortgage and received many punctual payments and fees from me, the foreclosure stayed on my credit report for years. Even now that the Consumer Financial Protection Bureau has given Wells Fargo an opportunity to make their previous unsatisfied clients " whole '' with a multi-billion dollar settlement I have not received any money or a response from them. The silence is deafening. The article i read said Wells Fargo was " required '' to notify customers and provide " swift '' payment. My mortgage debacle is a case study in the breaking of federal consumer protection laws. Do the right thing Wells Fargo. Sincerely, Lost Decade
Product: Debt collection

I received an email about a loan I do not owe via a loan company I paid off years ago and was good standing with. 
The email was from ACE Legal Group of Attorneys claiming that the Attorney was XXXX XXXX and that I had to pay or was days away from being taken to court. 
I also received another email from ACE also from another loan company I have not seen in years claiming that XXXX XXXX XXXX was an Attorney for that case. 
I googled these two and the Law firm and found myself here. 
Please inform how they got my email and past loan information. 
Thank you
Product: Vehicle loan or lease

i purchased this XXXX  XXXX XXXX  from XXXX in XXXX colorado, ally bank baught the loan. XXXX i paid XXXX down made XXXX extra in payment. a few months later a interest payment came thru it was the same as my bill. XXXX, i payed it the payment went thru and instead of a payment it was a minus and doubled the payment to XXXX so i tryed to a pay that off and then it went to XXXX several phone calls later the wanted to repo the car. so i called the president and told he let me refinance. and she did so it started as a interest payment. now the car was refinanced to XXXX XXXX. and i got a message said the payment was made. i made XXXX phone calls to ally bank there still trying to repo my car XXXX payment was made thats all the information i can find. there telling me that there going to repo the car. im in a wierd situation. the account number is the serial number on the car. im changing my name to XXXX so i used that name on the paper work. and theyve either made a mistake or there trying to sell it twice i dont know, i make over XXXX a year its not the money but to think that they can do this. im thinking some one is just trying to get my information. if you can make sure that they refinance the car to only me ill. be happy about this i wish i never used ally bank
Product: Debt collection

Here is a summary of the situation and the additional information : 1. Submitted initial disputes to XXXX XXXX concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with XXXX XXXX XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided XXXX XXXX with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided XXXX XXXX with the essential information needed to expedite the investigation and resolve the disputes promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CCBXXXX XXXX XXXX : {$0.00} CCBXXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. Despite our ongoing correspondence and previous efforts, it appears that the fraudulent items remain unresolved. 

As I have previously stated, these fraudulent entries are causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit file. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX