23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchase a car from Clay Cooley on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my car broke down. The company made me pay XXXX dollar for a loaner car in addition to my car note. They kept my car until for over a month without fixing it. Once it was finally fixed I ended up taking the car back 2 additional times for the same problem. On XXXX XXXX they traded me to another car. After having the new car only 3 weeks I had problems with it. I took it in they supposed to have fixed it and a week later it is now back in the shop. I have made all my payments on time and have continued to receive bad service. I still am not driving my car and I have requested upper management to get involved and arbitration but no one will help. The company will not remove the other car loan from my credit and I was told that I would get the new car for the same price as the old but they increased the price and made me pay for another warranty.
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXXXXXX  INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Checking or savings account

Requested XXXX transfer of all assets ( All cash ) to XXXX on XX/XX/XXXX & from my other XXXX account on XX/XX/XXXX. 

Both XXXX  were rejected by XXXX, I then submitted multiple times ( I have proof of each attempt ) XXXX one time distribution pdf form ( with Driver License photo and wet-Signature ) for them to close my accounts ( CMAs ) and wire my holdings to XXXX XXXX XXXX XXXX. 

Every submission ( certified mail was rejected as no one of authority available to sign for it ), secure document uploads on multiple dates prior to their account closure and wire out before they locked me out of my accounts, as well as my plethora of phone calls, in-person meetings with XXXX XXXX of their XXXX, CA branch XXXX he would call and get dead-ended in front of me ), hour-long on-hold calls to them. 

Finally, they mail me their official account closure notice ( as though I have not been constantly requesting as such for over a month now ). 

I went in to their XXXX, CA XXXX again to be told that I am not allowed to wire out my own money which they have been playing keep-away from me for the past month. 

Instead, their letter details their audacity to ask me how I want my money & that they would distribute a check on XX/XX/XXXX if I did not indicate that I wanted my money now. 

This whole process has been a proverbial and literal slap in the face, I realize other firms operate with a semblance of professional integrity and so I feel compelled to report their blatant mishandling of my assets I made the mistake of entrusting them with. 

Everything is documented, including on their end, so I ask you, the regulatory body that can compel them to be held accountable for such blatantly unacceptable behaviors- to make sure they are held accountable and that this happens to no one else. 

As of XX/XX/XXXX, XXXX XXXX of their XXXX, CA branch was able to get their central processing division/team to supposedly approve an incoming ACATS transfer to either my XXXX brokerage accounts or my Vanguard accounts XXXX why I am bound to these limiting conditions they conveniently placed onto me ( ignore all my account closure+wire requests, and ultimately provide me with such a limiting and inconvenient scope of accessing my own money ), befuddles me. I hope you guys can figure that out, as clearly I, as I, as an individual investor, mean absolutely nothing to this corporate giant.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXX I have tried to have a security freeze removed from my TransUnion credit profile. I initially called them onXX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX 

Transunion is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force Transunion to comply and correct my report.
Product: Vehicle loan or lease

WESTLAKE FINANCIAL, picked my car up from my job and the tow company said there was nothing I could do about it because the car was for collateral since US AUTO SALES owes them money and filed bankruptcy, they told me it was nothing I could do and when they took over what was supposed to be my contract they never provided me with proof of a contract with them And they also said I didnt have gap insurance with their company which was a breach of my contract
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX  opened XX/XX/XXXX XXXX for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX XXXX breach, XXXX XXXX XXXX XXXX  data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Debt collection

This complaint is for validation of the alleged debt within 30 days. The company RMP LLC is on my credit report reporting an alleged debts of {$100.00}, {$510.00}, {$370.00}, {$510.00}, {$220.00}, {$67.00}, and {$53.00} the company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.
Product: Debt collection

Hi Convergent Outsourcing Inc ; / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to discuss my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed the presence of reported late payments on my accounts and I am disputing this inaccurate information. 
I have taken proactive steps to address and rectify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. These are the accounts that must be updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These are over 7 years old by my ex and they keeping changing dates and amounts due. Should all be closed.
Product: Credit card or prepaid card

XXXX ) I attempted to transfer my Ultimate Rewards Points from my XXXX XXXX XXXX card to my husband 's XXXX XXXX XXXX XXXX account - note that these are separate account lines and not additional authorized user accounts. 

XXXX XXXX While this is possible online, the UR website returned an 'unexpected error '' whenever I tried to add my husband 's credit card in order to initiate the transfer. I called I called XXXX on XXXX/XXXX/XXXX to ask them to manually transfer. 

XXXX XXXX The agent informed me that I would need to add my husband as an authorized user to my card or vice versa in order for us to transfer and that she can not complete the request otherwise. 

XXXX ) Note that this option is not free - an annual {$75.00} is charged for this particular credit card to add an authorized user. 

XXXX ) The terms and conditions of the card clearly state that Ultimate Reward points are transferable within the same household with NO OTHER PRECONDITIONS - and my husband and I have the same billing and mailing address etc on file with XXXX. No where do the terms and conditions state that a transfer of UR points between household members requires the members to be authorized users! 

XXXX XXXX My husband had successfully transferred XXXX XXXX to my account from his on the same day without having added me as an authorized user to his account - so the solution in # XXXX can not be true. 

XXXX ) I calmly explained these facts to the agent who was unmotivated in arriving at a solution other than to tell me that I need to add my husband as an authorized user.
Product: Debt collection

I mailed Debt Recovery Solutions an initial letter disputing the debt and asking for them to validate said debt on XX/XX/23 that was delivered on XX/XX/23 with certified tracking # XXXX. Debt Recovery Solutions has failed to respond, I am now sending my Fee schedule, Cease and Desist letter, notice of forced hire, and a notice of default with an opportunity to cure. I will next be sending a secondary notice of default and bill of particulars if they fail to procure this matter accordingly within the time frame allotted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, I sent a letter to XXXX, XXXX, and Transunion to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Product: Money transfer, virtual currency, or money service

Western Union Refuse to process my transaction for the past 3 years, when i called and speak with the agents they said they are unable to tell me why they can't do it.
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previous letters i sent.
Product: Payday loan, title loan, or personal loan

I got a loan via an online website with Spot loan back in I believe   XXXX  . I made my payments regularly until I changed jobs and I fell behind. I fell behind one payment and the company debited my account despite me reaching out and telling them I did n't have funds to cover. The debit was sent back because I had no overdraft on my account. They continued to debit my account several times. Eventually my bank closed my account because of it. I tried to talk to bank and tried to talk to  Spot loan. Eventually spot loan decided to start sending me nasty emails calling me a " thief '' and telling me " You s tole my money ''. Very odd from a business. I ceased contact after the emails became abusive and it was clear I was n't getting anywhere.     I recently got a call from someone who called themselves an attorney stating " I have a client who says you stopped payment on their loan and effectively stole their money, my job is to recover the loan - fees - my fees and costs ''. I explained all noted above and he stated he was n't taking the case. I now get calls up to 5 times a day from this person claiming to be an attorney. I am being threatened to be taken to jail, told I am to pay thousands back, they are interfering with my new job. Etc.     This company 's tactics were abusive from day one of a missed payment and have continued since. This is not professional, nor legal. I wish to request my rights in this be upheld.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts added to my consumer report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not resolved any of the dispute sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXXXXXX XXXX XXXX {$780.00} XXXX XXXX {$3500.00} DeptedXXXX XXXX {$2400.00} DeptedXXXX XXXXXXXX {$2200.00} DeptedXXXX XXXX {$2200.00} DeptedXXXX XXXX {$2000.00} DeptedXXXX XXXXXXXX {$1600.00} These credit accounts and collections are the results of identity theft and fraud
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) Due to inadequate customer service and unfair practices, Which violate the consumer financial protection act. Specifically, Cash app fail to take timely and effective measures to prevent and address fraud on their platform, Leaving My account vulnerable and unprotected. Furthermore, They're dispute resolution process was unfair and deceptive, As they did not comply with air resolution. Requirements under the electronic fund transfer act. In regulation e. These actions have cost significant inconvenience and financial loss, And I seek appropriate redress.

For these violations.