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

I bought a vehicle from a buy here/pay here company in XX/XX/XXXX. I know it was high interest and I would be paying too much but I didn't have good credit and didn't have many options. It had electrical issues from the beginning but was ok until about XX/XX/XXXX, and by XX/XX/XXXX it was completely broke down. I had to pay for rides to work, which is XXXX XXXX XXXX about XXXX miles, sometimes {$50.00} one way. I called them, asked about trading in for different vehicle, they could not do that, I also asked for their mechanic to fix it and add on to my bill, they said no. They said I still owe too much. I have made FIFTY on time automatic payments, so that is a minimum of {$12000.00}. That's not even counting the whole other issue of insurance they kept charging me for even though they carry insurance on the car no matter what, so if it's wrecked or repossessed they get paid and then sell it again. They say I still owe {$7000.00}. I'm not trying to argue about the fact that this car is barely worth {$3000.00}. I just want to give the car back for the payoff and be done. I think they should take the car, report my account as paid off, I have more than paid for what it is worth, I wouldn't be able to sell it, if it was running, for more than {$3000.00}. I have paid like {$13000.00} with the " insurance payments ''. I have to be able to get to work, I had to buy another car, so I need them to take the car and close my account. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a Forerance in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.
Product: Checking or savings account

I received a phone call from the fraud department at Wells Fargo on XX/XX/XXXX  concerning a transaction from my savings account for {$25000.00}. WF stated that the money was a wire transfer initiated through online banking. That afternoon, I went to my local WF branch and spoke to a representative about the fraudulent transfer. I'm not sure why, at that point, WF didn't freeze the wire transfer. I told them this was not done by me ( or my wife ) and a claim was started to dispute the transaction ( claim # XXXX ). WF closed the savings account, reopened another, and moved the remaining money into this new account. On XX/XX/, we received a letter from WF stating that our claim was denied and that they determined the transaction was performed by me or someone using my username and password. Moreover, WF stated that we are responsible for online wires that originate using my username and password. I did not make this wire transfer. Please help me to recover the {$25000.00}.
Product: Debt collection

I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Equifax until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects physicians outstanding bills for one or more dates of service. We are not a debt buyer. The services received were physicians services and per the physicians records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which physicians provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at www.consumer.gov/idtheft. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting

Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXXXXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX
Product: Money transfer, virtual currency, or money service

transfer in the amount of USD XXXX was XXXX into my wells fargo account. this transfer was initiated from XXXX and they had sent me a confirmation with reference no that the tranfer was made.. i had gotten an alert that the money was received but my acct was not credited. kindly follow up on this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collections on my file from XXXX XXXX XXXX ( Account numbers XXXX and XXXX ) these are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my file. This was the first of XXXX. 

I disputed these with all three bureaus and not only did they leave them on my file but they updated them again for an additional month. 

This is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX  XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXXXXXX XXXX A {$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX A {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.
Product: Credit card or prepaid card

Filed complaint about fraudulent use of debit account and stolen PIN number used to remove all funds from account. After months of waiting and sending documents bank will not accept claim because PIN number was used and no other reason. It was stated on original claim that PIN number had been stolen and used with counterfeit card to access account. The bank did not investigate at all and there is a need to have a independent investigation by non bank personnel as decisions were biased to deny claim regardless of any documentation submitted. Sending to company is useless as there are no repercussions for any decisions. I have been treated as criminal and accused of taking my own money out and submitting false claim to get more money. All I want is my money that was taken from bank without my authorization even though it has cost me much more than that to just deal with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back from Equifax, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Equifax DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated.

Equifax has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.
Product: Debt collection

I am not liable for this debt with I C System. I do not have a contract with IC System, they did not provide me with the original contract as requested.Years ago I did a trade in and switch Phone Providers in which they were suppose to pay the remaining account balance {$1400.00}
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please send me the proof that I neglect paying this account for XXXX year XXXX  XXXX XXXX XXXX XXXX Account XXXX Reported dates, payment status, and history are reported inaccurately. Please provide me with the original papers to prove that this is accurate. 

XXXX - Account XXXX Can you provide me with the original papers to prove that this account is accurate? If you can't prove this, please DELETE ASAP. 

XXXX XXXX XXXX - Account XXXX Please provide me with the pieces of evidence that this account is accurate. You're the only bureau reporting this account like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting your company again because I just checked my credit report and now XXXX is also displaying fraudulent account balances to lower my credit score. XXXX   is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX which these accounts are fraud and I want them removed from my credit report at one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK N.A. XXXX Date Opened : XX/XX/2020 Balance : {$5900.00}
Product: Mortgage

First off they keep sending mail and even certified mail to my parents name. WAKE UP THEY ATE XXXX! I am the sessor on the account and they dont sent me information. I refuse to sign anything that comes certified for them! So stop wasting time. On every letter they say we are here to help XXXX dont see them helping. They never told me what options I have through Wellsfargo! I am not going through HUD, or some other XXXX  company. XXXX XXXX says they here to help then XXXX  help! XXXX XXXX people dont pick up the phone and call and I have my phone company with record of who calls my phone so I have proof they dont call! They do leave a message and claim its because its state reg that they cant well I asked a state senator XXXX XXXX and he said thats false information. So thats XXXX! I will have a lawyer you sue them on that! They are lying sack of XXXX! A XXXX from them called me last week and left a message, now she no longer seems to be available and never returned my phone calls. I have record of that too! If this company really wants to help they better get off there XXXX XXXX and pick up the phone and call tell me the options I can do through them. No I dont have XXXX or even XXXX to pay off my parents past HUD XXXX XXXX they have on this place. No one does you can thank XXXX! XXXX  start helping XXXX Americans! I hope you can sleep knowing you put Americans out of houses! Your nothing but family XXXX! There is not XXXX positive review about Wellsfargo and when I say to people we have wellsfargo the response is good luck they are the worst bank in XXXX! Yup you XXXX