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

Dear CFPB, I took out a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX. The AMOUNT FINANCED was {$5300.00} at 76.32 % APR. 

The Contract states there would be 42 Payments of {$360.00} totaling {$15000.00} ( TOTAL OF PAYMENTS ). I fulfilled the Contract by making 47 ON-TIME Payments of {$360.00} totaling {$17000.00}. This was {$1800.00} MORE than the Contract says I owe. 

However, XXXX just repossessed my vehicle on XX/XX/2021 and are now claiming I owe them {$11000.00} MORE to get my vehicle back! 

I don't believe they have the right to seize my vehicle after I paid 47 ON-TIME Payments when the contract only calls for 42 payments. This loan should be paid off. 

Now they have repossessed my vehicle and are demanding I pay them {$11000.00} more after I have already paid them {$17000.00}? On a {$5300.00} loan? This makes no sense. 

The Rep I spoke with said they are planning to sell my vehicle if I don't pay them right away. Please investigate this as soon as possible and let me know what can be done to get my vehicle back. I heard you might be able to help. 

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

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My XXXX are currently sueing her in court for these fraudulent activities I contacted Transunion to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check. As of XX/XX/XXXX, the funds are still not available in my account. Chase has not given me a reason, for why the funds are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address has never changed lately someone took the XXXX off the end of my address and added XXXX. also iI have never lived in the state of michigan at any time in my life
Product: Money transfer, virtual currency, or money service

I recently got off the phone with my previous employer, Wells Fargo Home Mortgage, on XX/XX/XXXX in attempts of starting my rollover process only to find out that they closed my account. I spoke to XXXX, the current holder of my 401k, prior to this conversation to begin the process and had everything done and finished with them. The representative was so kind to even guide me through their website, helping me make any adjustments necessary to match my needs and start my rollover. I only needed to speak to Wells Fago. 

So I spoke to Wells Fargo. Again. 

I actually spoke to a representative on XX/XX/XXXX to begin the process, but the representative wasn't very willing to help me out. Only a few minutes was spent on the call as I explained to the representative that I was unable to log into my retirement account. I've tried logging in multiple times but each time it would spring up as an unknown error and to call the representative. When I called, the representative told me to simply go onto the main webpage and enroll there since I didn't officially have any Wells Fargo accounts. I only had a team member account, one that I quickly realized that I no longer have access to. 

Without further help on the matter or any attempt to help start my rollover right then and there, she disconnected and I went online to register. I ended up being unable to register due to some technical error in the system, I ended up doing the same thing that I'd attempted to do earlier, and even now the issue remains unresolved. 

I decided to try again and give Wells Fargo a call again today, XX/XX/XXXX. After being transfered from representative to representative, I was able to talk to someone who was able to pull up my account, although it wasn't very much of a conversation. She told me that I was issued a check just a few days earlier, XX/XX/XXXX, a week after my attempt to begin my rollover with the other representative. Informing me that my previous balance was now cut by a few hundred dollars and that I will be charged penalty fees for not meeting the deadline that I was never informed of. 

I remained patient and willing to wait as she looked up my files and asked her if there was anything I could do to get the rollover started since I've spoken to the representative before and had issues logging in but the representative remained stern and gave me no further options. At the end of the conversation, she had the audacity to ask whether or not I was willing to start a retirement account with Wells Fargo and that she'd be happy to help me start one. 

Throughout the entire process I felt as though I received no help at all from Wells Fargo on the matter, I was only turned to opening new accounts with them each time. Unaware and uninformed, Wells Fargo stripped me of the money that I've been building with them as a dedicated team member.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and there are a large amount of inquiries that dont belong to me. I have contacted the companies and credit bureau to delete this 6 months ago and nothing has been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that Experian, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with Experian, XXXX, XXXX and XXXX XXXX my last request was mailed 45+ days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach Experian Credit Reporting Agency since XX/XX/2022. It is impossible to reach a live agent by phone and sending two letters to them have gotten no response. I have numerous valid accounts that Experian is not showing on my credit report. I have followed the process spelled out on their website to contact my own creditors and have ensured they are reporting the accounts to Experian. They have stated directly that they are and even sent verification letters to me. In turn, I have physically mailed my request to investigate to Experian along with these copies from creditors. I have gotten no response by email, mail, or phone. Due to the fact that Experian for some reason is not reflecting these accounts on my credit report, I am having issues with employment credit checks and not meeting their employment standards. The main issue is I am unable to reach anyone at Experian to investigate, despite my 5 month long attempt by mail, email, or phone. This is unacceptable.
Product: Checking or savings account

On XX/XX/18 someone used my social security number, DOB,  and potentially other information to get a PIN for my Capital One 360 online savings account, where the person changed my password. Luckily, I noticed the password change notification and put a hold on my accounts. Based on the information the Capital One security team provided to me, the perpetrator was most likely my soon-to-be-ex wife, who has no legal right to that account or the funds in that account. 

Capital One claims that they have two factor authentication in place to prevent this type of attack from occurring. However, the perpetrator was able to use their own phone number for the second factor - a phone number that has never been registered with Capital One or associated with me in any way that I know about. 

Upon further discussions with the Capital One security team, I discovered that they will consult a 3rd party database to determine if a phone number is associated with an identity rather than the information provided by the customer. So, apparently the perpetrator has signed up for some other account or service somewhere using their phone number and my information. This was enough for Capital One to use that phone number as the second factor of authentication. Meaning, the attacker can use the first factor ( information about me ) to generate the second factor ( a trusted phone number ) at will. So, they do not use two factor authentication as claimed. 

There is no way to disable this 3rd party database check, so I have no way to protect my accounts going forward. It's already proven the person in question has all of my information ( which could happen in domestic cases like this, data breach cases, etc. ) and that is sufficient to bypass all of Capital One 's security ( which is what true 2 factor auth is intended to prevent ). 

Due to this, my account and funds have been on hold since that time. I have made repeated explanations to their security team how this is a major security hole as it effectively makes their two factor auth single factor auth. The reps I have spoken with claim that their superiors don't see this as an issue, and that I'd probably get more traction if I had actually let the perpetrator steal funds from my account rather than preventing the theft. 

So, effectively Capital One is stating that they do not have the ability and/or desire to protect its customers from fraud due to security holes in their system.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Experian through arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card or prepaid card

Im having a major issue ever since XX/XX/2020 i have had issues due to credit breach i have ove 50 inquiry on my credit and it has ruined my life i have sent all credit bureaus the same letter i will be attaching Equifax has really made me feel anger they have now requested that i sed in my ID not once but multiple times im unable to obtain any credit or even get my car im a nurse and i turned in lease now im car less and this is my last report please help i have even attached photo of calls hopeless no help
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit file, I discovered that XXXX  XXXX XXXX placed a hard inquiry on my report on XX/XX/year>2023, without my authorization or any permissible purpose. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b, which strictly limits when and how a company can access a consumers credit report. 

I did not apply for any credit product with XXXX  XXXX XXXX on or around this date, and I have no record of authorizing such an inquiry. If you claim otherwise, I demand that you provide documented proof of my consent within 10 days of receiving this letter. Failure to do so will leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will consider pursuing legal action for damages caused by this unauthorized inquiry. 

This hard inquiry has negatively impacted my credit score, and I expect XXXX  XXXX XXXX to act immediately. You have 10 days from the receipt of this letter to remove this inquiry and provide written confirmation of its deletion. If no action is taken within this time frame, I will be forced to pursue all available legal remedies. 

This letter serves as formal notice under the FCRA. I expect a prompt resolution. You may send your response in writing to the address listed above. 

XXXX
Product: Debt collection

This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.
Product: Checking or savings account

Wellsfargo was served a court order on my business. They choose to place a hold on my personal savings account. They should have placed hold on my business account. And if further action was needed that could come after me personally, but no one contacted me from law firm of XXXX XXXX or wellsfargo in any manner. XXXX admitted to not having properly served me with papers. Wellsfargo purposely placed a hold on my savings account for 10 days and then chose that account to draw funds from. Neither my saving or business account had funds in it at the time. Now Im over drawn XXXX $ Wellsfargo claims they had to draw the funds from which ever account had money in it at the time.. which was a lie.. my savings was XXXX XXXX my business checking was negative and I had a few dollars in my personal account. So they should have drawn from my personal account before my savings. This was a deliberate act by wellsfargo to secure funds from me without my prior knowledge. The agreement the court order was for my Business with my personal guarantee and they had access to my business account. If any account should have been frozen it should have been my business. Wellsfargo put a deliberate hold on my check and caused major delays with my business, then took those funds with out my prior knowledge.
Product: Money transfer, virtual currency, or money service

My cash app account start declining my payments two weeks ago. Every day since I have emailed them finally after 50 emails I received a reply that the uia reported my account fraudulent. I had to send my identification and  birth certificate in which I was cleared. Now my account is still frozen with my money and I already proved myself.