23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to have XXXX accounts removed from my credit report, due to the fact that they were canceled by the creditor. I submitted my copy of the XXXX that both XXXX XXXX and XXXX canceled these accounts. Under the governing laws of the IRS, canceled debt is deemed income by the IRS. Which means that I now must file these forms with my XXXX tax return. Attached is evidence that these accounts were indeed canceled. It is illegal to report a canceled account to a credit report because it is now considered income by the IRS.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I presented a Florida Direct Deposit Form from the State of Florida to XXXX XXXX, financial center assistant manager, at the XXXX, Florida branch of Bank of America and she refused to sign the state form, stating that Bank of America does not sign outside forms. I explained this was a state required form and the best they could offer for me was a standard Bank of America Non-Federal Direct Deposit Enrollment Request form. Their form does not provide their verification of my account, or their signature, which is required by the state of Florida. I asked them to provide me with a letter I could send to the state explaining why they would not sign the state form and they would not do so. They will not provide me with the required information from the state of Florida.
Product: Debt collection

In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license XXXX XXXX XXXX per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the lien. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.
Product: Credit card

I am a victim of identity theft. Someone opened a Discover credit card in my name and used it to make fraudulent purchases without my knowledge. They also used my existing payment accounts ( i.e. XXXX, XXXX and XXXX ) to change my funding sources to the fraudulent card. Since I was n't aware this happened I unknowingly placed XXXX transactions on a fraudulent Discover card that was opened in my name. I reported fraud to Discover, filed a Police Report, and reported this to the FTC. Now that I have identified the XXXX transactions to Discover they have been harassing me to make a payment. I refused to give my checking account number to them and they kept pushing me to give it to them. They threatened me with having a past due account and they were reporting it to the credit agencies. They keep calling my house and I feel that they are being very unprofessional about my claim. I have not made a payment and will not until my case has been cleared.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX 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 XXXX 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 XXXX  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: Debt collection

On XX/XX/XXXX, I received a call from XXXX from Cambridge Asset Management. She asked me if I knew that there was a claim filed under my SSN. I asked XXXX what this was in reference to. She stated that in 2010, I got a payday loan from XXXX or one of its companies, and that I wrote a check from my checking account from XXXX. I explained to XXXX that I do have an account from XXXX, but it is not a checking account, I only have a savings account there. She told me that I did have a checking account from XXXX, and that I did write a false check. She said that, it is a felony, and that I will be charged with check fraud if I did n't pay them. I explained to XXXX that I would be filing a complaint against her company that she then said that my phone was breaking up and she hung up. Only XX/XX/XXXX, I received another call from Cambridge Asset Management, and I did not answer the phone.
Product: Money transfer, virtual currency, or money service

i buy an host from bad company '' XXXX '' with date XXXX by using " paypal '' before i buy i ask him if the product not suits me or or dont like me or i have problem can i refund this moeny they answer to me yes but i order to refund my money everyday in phone line and chat support and i don't understand their language they tell me cancel it by yourself and other one tell me we pay for our employer we cant give you your money other one from this company after the time end i buy in tell me you cant get your money because the time end, please refund my money paypal from this thief company steal my money and dont want refund my money from 4 month to the right now my email in paypal : XXXX, my number is XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : XXXX XXXX XXXX Date of Credit Report Review : XX/XX/2024 Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have received numerous calls and letters from Portfolio Recovery Associates. This is even after I demanded a cease and desist. I also found out by my credit report that they obtained a copy of my report via an inquiry on XX/XX/2022. I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXXThese debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXXXXXX XXXX EST. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Consumer Loan

I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. 

I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. 

I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. 

This is my last and final attempt to resolve this issue with Consumer Portfolio services. 
This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. 

I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. 
I have also attached copies of my police report concerning identity theft and Identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # 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 an account without my written instructions.

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, XXXX
Product: Vehicle loan or lease

Wells Fargo Finance Incorrect billing leading to repossession around XXXX Also I had Wells Fargo account with incorrect fees added and multiple overdraft fees leading to account closing around XXXX I received a letter a long time ago but have not received payment from lawsuit.
Product: Credit card

There was a trial offer for XXXX storage cleaning which I tried once then I founded useless then I submitted termination request during the time was allowed! 
Later I found that provider kept on charging my Apple wallet which I didnt setup or used before!! 
I brought the situation to XXXX XXXX wallet team and requested the charges to be refunded and close that credit card which was issued by Goldman Sacks without my consent!! 
First : that provider cant provide proof that I am still using the cleaning software after I requested the cancellation. 
Second : l am so upset as a customer to Apple that I did not receive the support need from a such huge corporate like Apple to not encourage scammer like that company whom keeps charging me for service I dont use. 
Third : I tried to contact the issuer of the Master card to ask them to refund these charges and close my account to prevent others from scamming me. 
Your cooperation is gladly appreciated in resolving my complaint.
Product: Checking or savings account

I made a check deposit on XX/XX/XXXX and they said they are going to hold it until XX/XX/XXXX but they already withdrew the money from that check owner on XX/XX/XXXX. What is the reason for them to hold the fund so long?
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 {$150000.00}. 
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 ( b ) -- REAL ESTATE LOAN  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Product: Prepaid card

NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING.
Product: Mortgage

In XX/XX/2020 I reached out to Wells Fargo regarding a escrow issue that occurred on my account. The issue was explained to me and I advised them that I worry that due to the fact that my husband may lose his job I may be struggling to make payments on time. I was advised to not worry as they had late payment forgiveness at the time but to look online into options for payment deferment. That put me at ease at first. Come XXXX my husband indeed lost his job and we struggled for a little while. I knew I would be late on few of the payments but did not worry too much as there was hope that turned out true that he would find another source of income. Secondly I was not too alarmed as I was told that there is late payment forgiveness by the Wells Fargo representative who handled my call regarding the escrow issue. Lucky we were able to work hard and not have to apply for the deferment. In XX/XX/2020 I check my credit score and find out that they reported 4 late payments to the credit bureau for the months of XXXX - XX/XX/2020. During this time we never received a clear notice that the payment forgiveness period has expired nor did the representative make me aware that if I do not apply for the forbearance program that it will negatively impact me. I am certain that I called Wells Fargo again in XXXX to make them aware of my hardship but they claim that they do not have an inquiry, although I still have notes from that call. In XXXX and XXXX I paid the outstanding balances in two lump sums. I have a excellent payment history with all my creditors for at least the last decade. In XXXX I reached out to the Wells Fargo executive office and opened a claim as well as explained the situation and asked for removal of the late payments due to the confusion of late payment forgiveness during the Covid pandemic of 2020. For about a week I did not hear back from them and when I called back I was told that the case closed that someone from their 800 number tried to call me but they did not leave a voicemail or a call back number. The case was reopened by a sympathetic rep who although tried to understand my situation and frustration at the end told me that since they can not locate my call ( although per her sharing with me that not all calls are recorded XXXX there was nothing she could do god me. I insisted that another case be opened because I have notes from that call and what I was told. I am reaching as I need help resolving and having my late payments removed from my credit reporting. I did reach out to Wells Fargo in XXXX and XXXX about my potential hardship and feel that I did not get clear instructions on what I need to do to avoid late payments being reported. In addition I was put at easy by being told that there is a late payment forgiveness program for COVID19.
Product: Vehicle loan or lease

I bought a new vehicle recently. The dealership chose TD Financial for me. I was overcharged by the dealership, and they returned money to me with several transactions. They sent these refunds to TD instead of me, which was odd I thought. They said they had to. I'd like to know if that is true, legal and why. 
More importantly, I would like to know if what TD did was illegal or just unethical. When they received these checks from the dealership, instead of crediting the principle as one would expect, they instead held the money to allocate it to future payments. Thus, the principle remained the same, making them more money and costing me. 
To me it is quite the scam or loophole and must make them millions. Is it legal?