23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened an account by going into a branch in XXXX, VA. I just wanted checking the man convinced me to open savings also. In talking about the account he said that there would be fees but they would be waived if I meet some qualifications like using my debit card at least 10 times a month, keeping a minimum balance. A few months later I noticed I was charged an account maintenance fee. I assumed I did n't use my card enough times and made sure to use it more and forgot about it. Month later I saw I was still getting charged the service fee and called Wells Fargo to find out why. they said I did n't Have the account that I thought I did. I asked what is the difference between my account and the one I was told I was opening and she said a one has a fee regardless and one the fee can be waived ( which does n't even seem accurate if you look at the statements ). She kept saying that it was stated in my statements but I have online statement only and never read them since all account history other than the fee is easily viewed online. I looked through all of the papers I was given when I opened the account and nothing was specific to the type of account or the rules regarding the account.
Product: Credit reporting

I was a victim of identity theft. I have accounts on my credit that do not belong to me, i spoke with transunion they instructed me to get a police report and send it in to them, I did so. Transunion deleted only some of the items and then reinserted them, they are also reinserted without any payment information, open and closing information for me to use in a new police report. i called and spoke to them they told me to resend info and i did so. They are not deleting the information or even acknowledging the police report. I have submitted identity theft information 3 times with the credit bureau to no avail.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, under law 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 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I currently have a loan with Lincoln Credit, for a XXXX XXXX XXXX. I purchased this vehicle used in XXXX. I got sick and was put on XXXX last year. I struggled to make payments. COVID hit, furthering our financial situation. Ive kept Ford/Lincoln Credit in the loop and they have allowed several extensions. I fell behind again in XXXX ( Missed 2 payments ). I received a 1st class letter from Ford, which was delivered 3 weeks late from the USPS, stating I must make a payment prior to XX/XX/XXXX, or my loan will be transferred? On XX/XX/XXXX, I attempted to make a phone payment, without success, then again online, without success. It seems my account was suspended and would not accept payments. I left spoke to a customer service rep and was told that someone would call me back ( which never happened ). On XX/XX/XXXX, I called again to finally reach someone in the correct department ( after being transferred many times and being on hold for almost an hour ). I was told the loan was charged off on XX/XX/XXXX. I explained my situation ... she originally requested the payoff amount to prevent repossession, however accepted the past due with late fees to prevent repossession. I feel that this is unfair because I was never properly informed that a charge off was upcoming. Due the USPS delays I was not timely notified. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, XXXX charged the account off in XXXX Since then, the payment history reported as no data on both XXXX and Equifax. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with XXXX fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. 
Any inaccuracies reported must be deleted according to the Fair Credit Act.
Product: Credit reporting or other personal consumer reports

SEE LETTER AND EXHIBIT ATTACHED TO SUPPORT MY CLAIMS, UNDER PRIVACY ACT OF 1974 Per the FCRA, as a Federally protected consumer, I am now OPT OUT of all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802 ( b ). 

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

Have been told to write a letter and have not gotten any disclosures in regards to specific means to opt out and to exercise that right ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( g ) Duration of consumer 's opt out direction. 

( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

( XXXX ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. 

( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
Product: Money transfer, virtual currency, or money service

I created an account on Paxful ( bitcoin trading app. ) On XX/XX/year>. On XX/XX/year> I received an email stating - " Your account has been banned permanently for a Terms of Service ( " ToS '' ) violation. Specifically for Other unusual or high-risk activity.

Your account access is restricted and existing funds are available for withdrawal.

Unfortunately you will not be able to appeal this decision. '' I have not received any attachment regarding the same.

I have not done any such activity as I have only done a few trades barely XXXX XXXX. I don't know how this allegation was made on me. I also tried connecting with the Paxful team to share my concern but I didn't get any email or contact number to reach out to them. I connected with the XXXX  then, but didn't receive any satisfactory response.

I am also unable to withdraw the amount I had in my account. Need help regarding the same.
Product: Vehicle loan or lease

XXXX XXXX I purchased a XXXX XXXX XXXX it was financed through ALLY Finical and I got behind on payments. They repossessed my car in XX/XX/XXXX and I was forced to file XXXX XXXX When purchased the car I was XXXX well I went into XXXX XXXX my daughter was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained to ALLY that the month of XXXX I almost lost XXXX kids it was very traumatic for us, She came home in XX/XX/XXXX a couple weeks before they repossessed my car over XXXX that was at 90 days which I didn't get a notification then and I had also spoke with Ally and told them that the same month XXXX I found out that my son had XXXX he had to be hospitalized so I was not able to work. They sent the notice to cure to an old address but picked the car up from my new address which they claimed they didn't have. They done this again a couple weeks ago claiming they didn't have the address but picked it up from my current address. As far as the bankruptcy goes we fell behind because of the pandemic that hit my husband had to take time off because we had 2 vulnerable kids. So the bankruptcy was dismissed because we couldn't afford the XXXX a month payments. So time went on the bankruptcy was dismissed in XX/XX/XXXX and on my credit it shows that the account was closed with a XXXX balance. Ally never sent notice to cure to me I just caught the repo man taking my car and I did not have a problem making arrangements if they would have contacted me they had my number it has not changed no one called and or emailed so how was I supposed to know. Now they want XXXX to get the car back that they stole from me. I do not have a problem setting an arrangement with them, But I do not have XXXX to get car back they should have properly notified me and we could have discussed payment .We are in the middle of a pandemic I NEED my car I can not take my kids one who has to have XXXX every XXXX weeks and can not use public transportation. I would like to have my car returned with a reasonable amount to get it back and start over with making payments, This is one thing that I would not have just disregarded, my kids depend on this, and a home those are 2 things that we have to have, Its frustrating dealing with them because they do not do fairly and do not notify like they are supposed to, They knew that I did not live in XXXX XXXX but yet they continue to send the notice to cure to that address knowing I wont get it and that the mail will get returned to them but they pick my car up from the place where I live but cant send notice or call the same number that I have had for 4 years and they sent me an email XX/XX/XXXX but said nothing about getting a hold of them or to call them. I do not understand how these companies keep getting away with this as if the law does not pertain to them,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint lodged against Equifax regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Equifax by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX RRR Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Equifax didn't prove the creditor even responded 2. Equifax didn't send me anything at all to verify this was mine 3. Equifax are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 


As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

Multiple creditors are violating multiple of my rights as a consumer. I have listed them Under 15 U.S. Code 1681e ( b ) ( b ) Compliance procedures maximum possible accuracy.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1681 there are also multiple names and addresses on my report that are not mine. there must be some kind of mistake but the inaccuracies on my report are against my rights as a consumer. please block and remove all inaccuracies that I listed in my documentation attached.
Product: Debt collection

XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair credit reporting act XXXX  Accounts # XXXX XXXX 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 XXXXXXXX and XXXX XXXX has violated my right to privacy.

15 U.S.C 1681 Section 604 A. States I have a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's. 

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
Product: Debt collection

This company leaves 2-8 messages a day in my phone. I have told them its phone harassment and blocked them And they continue calling me incessantly. I do not owe any debt to anyone. I want them to be stopped. Their phone # is XXXX
Product: Debt collection

Midland Credit collection agency has on more than one occasion called my cell advised it was a Law Firm trying to collect a debt I do not believe I owe. I requested a copy of the original signed credit card agreement and to date I have not received a copy of said agreement with the exact amounts paid or outstanding with interest and without interest. Also they are not a law firm to my knowledge but a collection agency, using false caller ID as a Law Firm..
Product: Checking or savings account

This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.