23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received this letter from US Bank around 15 days ago, that they did not credit me the interest and fee adjustment on my fraud claim and with 7-10 days I will receive a check. its been 15 days, I haven't received any check. I should be getting it as soon as possible as mentioned in the letter.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX # XXXX XXXX. XXXX # XXXX 15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$6500.00}
Product: Debt collection

In according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE, XXXX XXXX XXXX XXXX NEVER SENT TO ME ALL I REQUEST TO THEM IN A VALIDATION DEBT LETTER, THEY NEVER SENT TO ME XXXX  XXXX XXXX TO COLLECT ANY DEBT IN MY STATE EVEN THE FULL AMOUNT ON THIS COLLECTION IS NOT ACCURATE PREVIOUS REPORT NUMBER XXXX FROM THIS WEB SITE CFPB, THEY NEVER SENT INFORMATION I REQUESTED AND KEEP THIS COLLECTION IN MY REPORT, THIS IS ILLEGAL, IS A FEDERAL CRIME
Product: Credit reporting or other personal consumer reports

WELLS FARGO AUTO fraud LOANS {$25000.00} per XXXX ( supervisor of charge off unit ) who called me threatened to harass me XXXX on ( XXXX ) XXXX today at XXXX, XX/XX/XXXX my landline phone. 

Listed twice on all 3 credit reports illegally charged off XX/XX/XXXX for my identity theft debt I reported to FDIC, CFPB {$14000.00} loan {$69000.00} worth of car loans without keys to any cars. Nj motor vehicle title search salvage title no registration per XX/XX/XXXX. 

XXXX at XXXX XXXX XXXX XXXX ( walk away with keys no car insurance, no Nj XXXX drivers license only {$3000.00} cash down ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Fax : XXXX XX/XX/XXXX, I didnt have a Nj driver license in my possession due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj ( XXXX landlord ) along with XXXX police XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who XXXX me several times in XXXX. At XXXX XXXX XXXX, XXXX, Nj XXXX. ( XXXX ) XXXX ( XXXX ) XXXX Along with XXXX XXXX police XXXX XXXX XXXX who saw her alter and steal my license XXXX XXXX XXXX My date of birth XX/XX/XXXX. ( XXXX ) XXXX I didnt work entire XXXX and I didnt live in Nj the entire year. 

I didnt make {$41000.00} annually cause I was homeless the entire year no car. 

I havent filled IRS state and Federal taxes since XXXX per XXXX records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA. 

The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXXXXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have a paid collection with XXXX that was supposed to be removed from my credit report after payment.
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 Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX 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: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Will not allow me to link my account to my apps.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX FL XXXX, I went in to redeem a coupon for a prize I may have won. 

I received the flyer in the mail. 
I spoke to a salesman by the name of XXXX and he said I did not win the prize but asked if I was interested in a new car. 

I told him that I was not due to I have a XXXX XXXX XXXX.however I told him that my credit was probably not good enough for a newer purchase and that I did not think I could qualify for the car because of other debts. I told him I was paying on a XXXX XXXX. 

The salesman said that if I wanted to get rid of my current automobile a XXXX XXXX XXXX, I could do so by Voluntary repossession. I was talked into that. Not knowing what he meant till he explained in detail. I asked what he was talking about because I never heard of this. And he assured me that Yes, I could do that. 

He took me to the finance department and we sat down with a finance professional who showed me how I would be able to pay for and still maintain good credit. 

I selected a car a XXXX XXXX XXXX and began to sign the paperwork. The salesman told me that I could also get a {$100.00} referral bonus, so I suggested my brother. When I brought him in, the same salesman and the same finance person said he would need a cosigner, and asked if I could sign for him. ( my Brother ) I told the finance guy, that I did not think I could based on my outstanding debts, including the new car that they just sold me. They did tell me that it would be alright and that I could co sign with no negative effects. So my brother bought a XXXX XXXX XXXX. 
I never did get the {$100.00} referral bonus. So we both drove off of the lot with new vehicles and new debt. 

The next day, I called about the voluntary repossession to XXXX XXXX XXXX that I use for my banking, personal loans and the XXXX XXXX XXXX. When I talked to them about the voluntary repossession they stated that there were NO benefits to that. As a matter of fact, they stated that I would lose : My banking privileges They would close my account I would be classified as a bad risk I would owe the complete balance of the car I would owe the complete balance of two personal loans that I have And a negative review to my credit report. 

I was not only shocked, because of what the dealer told me but now I can not return the vehicle nor afford the payments of multiple vehicles. That was explained to me that would work in their fashion. 
but have since fallen into a deep XXXX as a XXXX  member of the military, I NEVER thought I would be impacted this way by purchasing a vehicle. 


Release me from the Lease of the XXXX XXXX XXXX. 
Refund my down payment.
Product: Credit reporting or other personal consumer reports

Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " Wells Fargo Card Ser ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show " XXXX XXXX XXXXXXXX '' and " XXXX XXXX '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the Wellsfargo off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate account listed on my credit report, which is adversely affecting my credit standing. These inaccuracies are misleading and do not accurately represent my creditworthiness. 

As a responsible consumer, I have consistently maintained accurate financial records, and it is imperative that my credit report reflects this accurately. The current inaccuracies not only undermine my financial integrity but also impact my ability to access credit on fair terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX  XXXX {$530.00}
Product: Debt collection

Despite at least XXXX separate attempts at disputing a collection account with Franklin Collections, they continue attempting to collect an account for XXXX XXXX XXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Product: Money transfers

On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed several accounts from this Collection Agency. Besides that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/2016. ( i have certified mail receipt as proof of signature ). 

I have sent them a letter on XXXX/XXXX/2016 regarding this issue and that they must now remove all negative accounts from my credit reports ( attached herein ). however for some reason i have n't yet received confirmation of delivery. Since I do n't want to wait any longer I am filing this complaint. 

If the negative accounts do n't get removed in a timely fashion I will file a small claims suit against your company. 

I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Debt collection

I received a notice in the mail about a settlement which I agreed and tried to pay but collector then said debt was recalled. Called company and after they knew I agreed to pay they gave to new collector for higher amount, I went inside store and spoke with storemanager XXXX who has notated the account that I came in with cash and tried to pay. He says he see the letter and dont understand why I cant pay it. I had cash in hand and they refused the agreed settlement offer that they made. remove the debt since unfair and unlawful tactics have been used. I was instructed to open business account and have since been getting charges continuously crammed. Only got business account because they wouldnt honor their own settlement offer
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Experian is reporting address on my report that I have never stayed at or have them spelled incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My debit card was used fraduety and had {$1600.00} of unauthorized funds. The scammer input my information and items where mailed to my address. I never made these purchases, Im told the way the scam works is they try too intercept the items before you get them. I had 7 jackets with my name engraved which when I called the company they stated I could not return. This was from XXXX. I also received 3 male shirts ( I am a women ) from XXXX XXXX. At the time this was happened Bank Of America closed the clam stating they were paying the full amount. Weeks after- I received a letter that they were changing it to charging back {$540.00}. I have in writing the claim was to be paid in full. Despite the records showing the purchase, I never purchased them and once I received the confirmation of the full amount being paid, I moved on. Bank Of America needs to pay the full claim as they had stated. I hav3 recently supplied them with a letter I got as well the includes there was a security breach with my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX listed my account as late on my consumer credit profile on the following dates : XXXX 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

There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points erroneously. 

Thank you,
Product: Mortgage

i paid my XXXX pymt on XX/XX/XXXX in the amount of {$380.00} like i do every month. they have not given me credit for this payment however. check has cleared the bank. also they r showing that i have an escrow balance of $ XXXX. i dont even have an escrow account with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding inaccuracies and missing information in my credit report. Specifically, my report did not reflect any of my credit accounts, including revolving, installment, and other accounts. Additionally, fields such as " Average Account Age, '' " Length of Credit History, '' " Oldest Account, '' and " Most Recent Account '' were blank or displayed invalid data. The " Report Date '' also appeared as " Invalid Date. '' Despite my inquiry, I have not received any response or resolution from Equifax, either via email or mail. I recently checked my credit report again on XX/XX/XXXX, and the issue persists. The lack of accurate reporting is concerning, as it could negatively affect my financial standing. 

I am requesting an investigation and correction of my credit report, as well as an explanation as to why my previous inquiry was not addressed.
Product: Money transfer, virtual currency, or money service

My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Mortgage

BEEN FAXING MODIFICATION IN CALIFORNIA SINCE XX/XX/XXXX, TAKE OUT OF REVIEW AND IN IS BEFORE 30 DAY SALE NOW SALE XXXX AND SAY NEED MORE PAPERWORK I NEVER GET A CALL OR MAILED MISSING PAPERWORK AM A TRUCK DRIVER SO ALWAYS ON THE ROAD REFAXED PAPERWORK AGAIN