23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against XXXX that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''
Product: Money transfer, virtual currency, or money service

My phone number XXXX was used to receive money by another person using Zelle. 

Zelle refuses to give me any information on the person or bank with which my number was registered to receive payments sent to me. 

XXXX XXXX  ( where I bank ) also refuses to open a claim due to the fact that no money was sent from my account. 

I have requested Zelle to unregister MY phone number with that person and the bank, but they have refused to do so stating that probably this number was registered with them before I had it and therefore it is totally legitimate. 

As a result I have not received {$1200.00} sent to me and I can not get any information to start the process of reclaiming the money. 

I am also not able to use my phone number securely in the future since as I now know somebody else has this numbers as his/hers and it is used for banking.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to Equifax DATA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act 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 XXXXXXXX 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 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found fraudulent accounts listed. Please remove these accounts, as they are negatively impacting my creditworthiness. 
XXXX XXXX XX/XX/XXXX - {$2300.00} Account Number : XXXX XXXX XXXXXX/XX/XXXX - {$6700.00} Account Number : XXXXXXXX XXXX XXXX  XX/XX/XXXX {$6200.00} Account Number : XXXX
Product: Checking or savings account

During the year of 2018 late XXXX I was having fraudulent activity on my card. Initially I had lost my bank card and did not notice until my next payday. When I noticed my card was missing I tried to log into my online banking, but it denied my access. I then went right to my nearest banks location and I spoke with a Bank of America banker. We both sat down and looked into my account he told me that he even had this issue with the same name and phone number but there was little he could do. Shortly after my account was closed due to fraud and I needed to contact the fraud team. I did just as that and filled a claim. The bank explained to me that there were three fraudulent transactions so we made a claim fro them all. Months after the bank finally disputed some of my claim but half of it was still present. I then called to complain of the XXXX dollars still remaining, I was appointed to the recovery system and they explained that I needed to pay the balance and my name would be clear, so I did just that. I paid the entire balance but I still can not get any bank account of any name in any part of this world. I would greatly appreciate if I could speak directly with someone who could understand my frustrations. thank you
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 {$12000.00}, {$9100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$9100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Product: Credit reporting or other personal consumer reports

I had a bad time paying n I reach out too da company to remove da late payment history and they said they will put in a request to remove from all 3 credits burs but did only 2
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several emails to Bank Of America CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call BOA they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive anything
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX {$340.00} on XXXX the account number XXXX, an a collection opened at XXXX {$3500.00} on XX/XX/XXXX the account number XXXX, and another account opened at XXXX XXXX on XX/XX/XXXX {$4000.00} under the account numberXXXX, another account opened up at XXXX {$2000.00} account number XXXX on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies..

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies of XXXX, Experian, and XXXX continue to report an account that is not mine. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account. I have requested the information be removed by the bank and the credit reporting agencies, but that has not happened yet. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice XXXXo Furnishers, which explains your responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Provided in this complain and attached is proof of my identification, the specific information that is the result of the theft ( XXXX XXXX XXXX credit account ending in XXXX, and the FTC documentation, as well as a letter from the bank with their findings that it's fraud and instructions to the credit agencies to remove the wrong information. 

There is a federal legal requirement that you remove this false information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/XXXX I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name XXXX and he informed me that they did not take it off for the membership agreement. I explained to him that my name was in the process of being taken off that bank account and that I was no longer going to be on that account and what they were doing was illegal and that they could not deny my request. He said that they could. That no law could stop them. I told him that its against the law to debit someones account for someone elses bills. I told him that I was in the process of obtaining another bank account and that I was wanting to pay my amount through a prepaid card. He told me that they don't allow that.
Product: Credit reporting or other personal consumer reports

In XXXX, while reviewing My consumer credit report, I noticed an several unauthorized accounts. On XX/XX/year>, I provided Experian notice of these unauthorized accounts. In said notice, I requested the following information : " Provide all of the following information and submit the appropriate forms and paperwork back to Me along with the Affidavit signed in accordance with 28 United States Code Section 1746 within thirty days from the date of your receipt of this request for validation and proof of claim : i. Alleged Name and Address of Creditor : ii. Name on File of alleged debtor : iii. Alleged Account Number : iv. Amount of alleged debt : v. Date that this alleged debt became payable : vi. Date of original charge off or delinquency : vii. Amount paid if debt was purchased : viii. Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; ix. Furnish a copy of the original promissory note/agreement redacting My social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for My own and a judges inspection should there be a trial to contest these matters ; x. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect ; xi. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt ; xii. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note ; xiii. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity ; xiv. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable ; xv. Provide verification from the stated creditor that you are authorized to act for them ; xvi. Verify that you know and understand that contacting Me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of 18 United States Code Section 1341. '' I was not provided the requested information nor resolution to this matter. It is a violation of the Fair Credit Reporting Act for Experian to knowingly and willfully report invalid reports on My credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I paid off two collection debts with Caine & Weiner..I believe about two months ago and it's still showing and reporting on my credit. Please Help
Product: Checking or savings account

XX/XX/year> my account was closed with XXXX in my spending account & XXXX in my saving when I was logged out of my account with chime. I tried logging back I. They said I had to verify certain information which I did so. They said they will open my account back after I sent my id and a bill I did my account was still locked. Finally after weeks of trying to talk to someone on the phone I got through and they stated that if I closed my account they will send me my money in a check I closed my account 3 years later never got the check. When I emailed or called them it said it was no account with my information please try again. My daughter XXXX birthday was ruined because they closed my account on her birthday and her party was ruined because I didnt pay for the rest of the party
Product: Debt collection

I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you!
Product: Vehicle loan or lease

I am the surving owner of my deceased husband ( XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX. I am contesting the payment of {$430.00} to Westlake Portfolio Management. Due to fraudulent activities on behalf of U.S. Auto dealership located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I later discovered this transaction and financing was an in house financing with extremely high interest rates. Ballooning the monthly payments. I've requested on several occasions from Westlake Portfolio Management a payment history on this account. And I have not received any documentation concerning the full transaction of this purchase. Therefore I am filing this formal complaint with a government agency to assist me in resolving this debt. I've been harassed and threatened by Westlake Portfolio Management staff and employees. I wish for Consumer Finance to assist me in bringing these threats and harassment to an end. Thank for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Transunion expects consumers to pay for their credit score. That is against the Constitution. It is MY score. Consumers should not have to pay to see. 
Transunion does not allow to see report if you have a dispute. 
Also Transunion site does not work half of the time I try to keep checking on my report.
Product: Credit card or prepaid card

I banked with wells fargo since XX/XX/XXXX and had a secured card with them as well. Last summer in XX/XX/XXXX I decided to close my checking account with them and pay off my secured card. I was going to close the secured card but the banker told me that was a bad idea and that I should instead not use the card anymore and then I would get my refund and the card would " fall off ''. I did as the banker informed me to do and little did I know until I saw an email from wells Fargo that I owed a balance on a platinum visa. I called and inquired about what happened and they told me they upgraded me from a secured card to a platinum card. I did not consent to this nor was this ever disclosed to me prior to getting a secured card. I closed that card because I never authorized the upgrade and was told the secure card would fall off and there would not be an active account for that credit card. I feel that I have been deceived by wells fargo. And now this will be reported on my credit that I closed the credit card and that is not good for my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX Account # : XXXX This particular account isn't reporting to my Equifax credit report but reports to XXXX and XXXX. Please update right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.
Product: Student loan

This is about Key Bank private loans and XXXX the servicer. 
I am a co-sign for a person 's loan. that person graduated from School about 11 years ago. I have not seen the person or talked to this person for 10 years now. This person has been paying the loan on time for 11 years and counting. I've asked for a co-signer release every year and got denied. I am trying to understand why is this such a hard thing to do for the loan servicers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had transferred some monies from my checking account with XXXXXXXX XXXX to my cryptocurrency account with Coinbase. I did this with my Coinbase app on my cell phone. I believe these are considered to be " ACH debit transactions '' by the bank. I made a transfer of {$2000.00} from my XXXX checking account to my Coinbase acct. This transaction went smooth. Then I made another transfer of {$5000.00} with my Coinbase app, from my XXXX checking acct to my Coinbase account -- this transfer of {$5000.00} was a disaster as the Coinbase app caused this transaction to be a duplicate transaction ; in other words, TWO {$5000.00} transactions were made instead of just one {$5000.00} transaction. 
The worst part is the money never made it into my account with Coinbase. I was only credited for {$7000.00} of my money taken from my XXXX checking account, when I should have been credited with {$12000.00}. I am missing {$5000.00} of my money. It just disappeared. The people at my XXXX branch told me it is sitting in Coinbase 's merchant bank account with XXXX XXXX XXXX and that only Coinbase has the authorization to reverse the transfer. XXXX XXXX has given me trace numbers for each {$5000.00} transfer that was sent to Coinbase 's bank. They are : trace # XXXX and trace # XXXX I have called and spoken to a customer care rep and have only received emails stating they are reviewing my claim. It has been 4 months and it really feels like I'm being stone walled and ignored. I want my money back. It belongs to me and I never authorized for duplicated transactions to be sent. I have attached a copy of my XX/XX/XXXXbank statement which shows the money debited from my account. I can't even access my Coinbase account, I haven't been able to since this fiasco happened, so I can't even view any activity in anyway.