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

Simple : Although BoA N.A. reports it needs more time to respond to previous ongoing complaints [ filed multiple times with this CFPB for ongoing billing & payment issuesproblems ] and issues it has stopped, entirely, sending out payment demands. Including those, but not limited to, coupons for the previously uploaded {$0.00} monthly 's. So, I not only do NOT have any accounting for that {$500.00} in principal sent separately last month ; it is again wholly unreported and unaccounted for, on that nonexistent XXXX Credit Report ( must be my imagination going wild again NOT ), as is those payments sent and cashed for XXXX and XXXX of XXXX [ payments made two ( 2 ) months in advance of their respective due dates ]. Which makes it painfully obvious that BoA is not only is less then honorable but completely corrupt and criminal { XXXX }. So, I too have adjusted strategy and have made deals with my banks for images of all monthly checks now be sent automatically to me. Also, each and every payment going forward is now going to be delivered by Certified U. S. Mail. With that self-produced payment coupon, on which the payment is intended for and sent to cover, as well as all papers ( ie : the payment check and enclosed self-produced payment coupon ) enclosed in that Certified U. S. Mailing will have that assigned exterior number inscribed on each item enclosed therewith. If BoA NA should reject one such payment andor the immediate application thereof the remedy ( s ) included in the Uniform Commercial Code shall be swift in coming. I attempted to allow CFPB to do it's job in a relaxed manner however the actual theft of my money makes that no longer an option. They've obviously realized I can not upload what they do not supply therefore this submission lacks the evidence ( s ) they previously supplied against themselves, who ever said criminals are stupid?
Product: Credit reporting or other personal consumer reports

I have proof that the payment was never on this account XXXX XXXX and XXXX are also reporting this account as paid close never late. I also have proof of payment in the email sending a payment over to BMW financial that I was never late. I would really appreciate someone to help me in regards to this as this is hurting my score by over a hundred points and its wrongfully reporting. I have supplied proof of email making that payment and also providing that the account was not late as it shows paid off and paid as agreed on XXXX.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. XXXX, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Product: Debt collection

Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I  have disputed it with them twice and they wont correct it its not my debt and I want it fixed.
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXXXXXX 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 EQUIFAX 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. EQUIFAX 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: Debt collection

DYNAMIC RECOVERY SOLUTIONS IS ATEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Account was placed with collection agency XXXX on XX/XX/XXXX. Account was immediately reported on credit report on XX/XX/XXXX as a collection. I never received a noticed of my right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported an identity theft complaint to XXXX XXXX XXXX  XXXX  and Transunion. I have supplied a notarized affidavit and statement that the item from XXXX XXXX is not mine. I am attaching to this complaint my affidavit, letters to XXXX XXXX XXXX  XXXX  and Transunion notifying them of my dispute under Section 609 FCRA and that the debt in question is an identity theft case. I am also attaching my reference number filed with The FederalTrade Commission regarding identity theft. I can not qualify for an apartment with this debt on my credit report and I feel as though it is illegal for XXXX XXXX  and Transunion to allow this to be reported to my credit bureau so a debt collection agency can try to extort money from me. I am XXXX years old and this is very stressful. Please help.
Product: Mortgage

ADDENDUM TO CFPB REPORT XXXX MADE ON XXXX XXXX XXXX. 
UPLOADING POLICE REPORTS AND COMPLAINT NUMBERS. XXXX XXXX POLICE WERE TOLD NOT O INVESTIGATE ANY OF THE REPORTS DUE TO THOSE INVOLVED IN THE RING ARE VERY POLITICAL ETC, BECAUSE I WAS REPORTING THE FRAUD MY OFFICES WERE BROKEN INTO IN ADDITON TO MY HOME. 

ALSO, I WAS HIT 2 TIMES. I WAS TOLD THE MORTGAGE COMPANIES PLAYED A ROLE IN MY ACCIDENTS WHICH WERE XXXX, XXXX APART AND MY SPOUSE WAS ALSO HIT. IT WAS A CERTIFIED HIT ON IT! 

THE IDENTITY THEFT REPORTS INCLUDED. WHEN MY OFFICES WERE BROKEN INTO PERSONAL ITEMS WERE MISSING WHICH WERE NOT LISTED.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account number XXXX XX/XX/2022 XXXX XXXX.Specifically, late payments were reported for XX/XX/2022 and XX/XX/2022, which I believe to be inaccurate due to the legal protections in place during the COVID-19 pandemic.

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under COVID-19 regulations.

2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a COVID-19-related assistance plan, so the late payment information is inaccurate.

3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the COVID-19 assistance terms, violating this requirement.

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the COVID-19 pandemic.

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a COVID-19 assistance plan.

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report.
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card online and intended to transfer {$20000.00} to the new card. I was not shown what my line of credit would be until after submitting the application and it ended up being {$2500.00} and I was not given an opportunity to refuse the card after that point ( unlike other applications I had completed online ). 

I called Wells Fargo to cancel my application and was told I could not. That I needed to wait until the card came and then call the number on the back to cancel it. 

When the card came, I tried to cancel it but Wells Fargo had already transferred {$1900.00} from my other account. An account which I did not provide details about ( account number, etc. ) other than bank name and an amount that I did not authorize. 

I called Wells Fargo to get the money returned and they stated I had to work with my other card to get the funds transferred back and it could take up to 90 days but that in the meantime, i was responsible for making payments on the Wells Fargo card.
Product: Student loan

XXXX  XXXX XXXX was closed down due to fraud and I unenrolled from the school before the period of time that I should not have been allowed to owe on this loan I returned everything the school provided to me and was told from the financial assistance at the school that I would not be required to pay back any amount of the loan because I unenrolled in time. I have disputed these accounts on several occasions and have yet to remove them from my report. I am not responsible for this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle frequently and disputing discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, 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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 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: Debt collection

I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call. 

I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call. 

I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately. 

I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.
Product: Credit reporting or other personal consumer reports

The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of XXXX 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law
Product: Mortgage

Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.
Product: Credit reporting or other personal consumer reports

UPON ME XXXX AT MY CREDIT REPORTS I NOTICE SOME ACCOUNTS THAT WERE OPEN ON ACCOUNT OF IDENINTY THEFT
Product: Credit reporting or other personal consumer reports

It was brought to my at attention XXXX  XXXX XXXX under section 1681s-3 has by law has not ask for my permission to share my utilization of credit to XXXX  and XXXX
Product: Credit card or prepaid card

This happened on XX/XX/20 and XX/XX/20. On XX/XX/20 I went to the Capital One credit card website to find an ATM that died not charge for cash advances. It said XXXX ATMs do not charge a fee. However when I withdrew the {$20.00}, it charged me {$4.00}. So after that I had {$10.00} available credit. I just spent {$3400.00} cash, all to my name moving this weekend and was planning to use the remaining {$10.00} from my Capital One card for groceries. I go to XXXX supermarket and try to charge {$10.00} in a line filled with customers and it declines! I then said try {$9.00} because I checked earlier and {$10.00} was available. I swiped the card for {$9.00} and the clerk said that also declined. I immedilogged into the Capital One app to see what was going in and it said I had been charged another cash advance fee, this one was now {$10.00}!!!! Luckily a guy behind me offered to pay for my groceries, I was so embarrassed. I then called Capital One and spoke to a supervisor and he said they do charge a 3 % cash advance fee or {$10.00} whichever is greater. I told him I was already charged {$4.00} at the actual ATM that was listed for free withdrawals, and asked him if he could issue a one time courtesy credit for the {$10.00} credit since I was unaware of the charges that would incur off of a {$20.00} withdrawal. He said he could not. I told him taking out a total of {$14.00} is ridiculous on an only {$20.00} withdrawal and immediately told him to close my card. I want something done about this. This is ridiculous to let a credit card company get away with charging that much for a {$20.00} cash withdrawal.

If you chose to investigate the last 4 digits of my card were XXXX. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft. An unauthorized credit inquiry has been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiry from my credit report : Unauthorized Inquiry : 1. XXXX XX/XX/year>
Product: Debt collection

Back in XX/XX/2020 a collection was opened for a medical data systems for {$810.00}. this does not seem accurate with any outstanding debt i have. there must be a mistake with whose this is because it is not mine. please investigate this and remove it from my report please