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

XXXX XXXX had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.
Product: Checking or savings account

I was affected by scam and fraudulent transactions in all of my accounts, credit cards, checking accounts, XXXX, phone account, but mostly, by wells fargo. Wells fargo would only repay the smaller funds withdrawn from debit/credit XXXX XXXX online transations, but when it came to the larger amounts in the checking account, they declined my claim. My claim is equaling {$26000.00} that was transferred to other wells fargo accounts. I am a single mom raising XXXX kids on my own and this was all I had left to rely on. I thought at wells fargo I was going to be secure, safe and insured. I thought wells fargo was a reputable company that I transferred my IRA to your company. Now, I am unable to recoup this horrible act brought upon me and my kids.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX {$6100.00} -XXXX XXXX XXXX {$3100.00} -XXXX XXXX XXXX XXXX XXXX {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX see XXXX {$29000.00} 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 These credit accounts , collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate  on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Product: Vehicle loan or lease

I made a payment at the Fulton bank XXXX branch XX/XX/2022. My car was repossessed the next week. When I called to inquire why my car was repossessed, I spoke with XXXX XXXX, I was told that I did not make a payment that day. I retrieved my receipt from the transaction and went back to the branch. The teller acknowledged that yes I made a payment and she was not sure why it did not post to my account. I later spoke with XXXX XXXX the next day. I was told that my payment was found and it was mistakenly posted to someone elses account. XXXX also informed me that despite this, the car would not be returned unless I paid the full balances owed on the vehicle, over {$48000.00}. 
I asked to speak to a supervisor. I was later called by XXXX XXXX, who said his position in the company was Vice President. Speaking with him, I was told that yes, my payment was mismanaged, but he reiterated that despite the mistake by the branch it was his decision to repossess the car and it is his decision not to return the car unless it is fully paid off. I requested that my account be reviewed for further mishandled payments by employees which I felt may have led to the repossession. I was told that it would not matter because the decision was made and he was not changing his mind. I decided to file this complaint as I have gotten nowhere with Fulton Bank, I also have filed a complaint with the company. I was informed that my car would be sold on XX/XX/2022 unless I pay the balance. I read a statement on the CFPB website that stated that this practice of repossessing cars after mismanagement of a payment was illegal and felt as though I should report these actions to the CFPB.
Product: Debt collection

This account is inaccurate and needs to be removed from my report. Any and all accounts with inaccurate info has to be removed. Please remove this from my credit report. Any accounts not removed after being reported as not accurate is eligible for lawsuit. I will file. The address and the phone number is not accurate.
Product: Credit card

To Whom It May Concern, I am writing to file a complaint against Capital One for closing my account unjustly and without proper cause. Recently, I had requested a replacement for my lost Capital One credit card. I received the new card, but upon attempting to activate it, I was informed that my account had been closed due to inactivity. 

This closure came as a shock, as I had intended to use the new card immediately upon receipt. I had not used the account recently because I was waiting for the replacement card to arrive. The sudden account closure now adversely impacts my credit score, as it affects my credit utilization ratio and overall credit history. 

I feel that Capital Ones decision to close my account under these circumstances is unreasonable and unfair, especially since I was actively taking steps to use the account. I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter and seeking to have my account reopened or, at the very least, ensuring that the negative impact on my credit score is rectified. 

Thank you for your time and assistance in this matter. I look forward to your response. 

Sincerely,
Product: Checking or savings account

I have two {$400.00} atm withdraws taken from my account and I never authorized it. I made a fraud complaint and they denied it saying it wasnt an error. I live in XXXX Texas and was working at the time when the two transactions were taken from me in XXXX XXXX Texas
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 consists of an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number ( XXXX  ) a loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an mortgage loan at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an inquiry at XXXX XXXX XXXX  on XX/XX/XXXX an inquiry at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

Fifth Third Bank has continued to mess up my payments since XX/XX/2021. My payment record has been immaculate until XXXX when I switched accounts to pay for the loan. I have called Fifth Third Bank numerous times to resolve the issue, to pay over the phone, and to remove the " defaulted '' payments from my record since it was their system causing issues. This has yet to resolved and has caused my credit to plummet. In XXXX, they LOST my payment and have not been able to recover it, despite the money being taken out of my bank account.
Product: Mortgage

LoanCare erroneously paid a higher tax bill in the amount of {$4900.00} when the correct bill was {$3300.00}. After numerous contacts with the company, LoanCare finally sent me an email stating that credit would be made to my escrow which still hasn't happened. Now escrow statement has been sent out with a higher escrow monthly payment due XX/XX/2020. 

I would really appreciate you looking into this and getting credit and escrow resolved ASAP. 

Also, your company 's customer service is horrible, but I'm sure you are aware of that from the internet reviews. 

Sincerely, XXXX XXXX
Product: Debt collection

Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$380.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use. I currently have two Synchrony Accounts that I did open. One was opened in XXXX and the second was opened XXXX. I am in good standings with those accounts.
Product: Debt collection

My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.
Product: Checking or savings account

Being treated poorly as a customer with Wells Fargo Bank.
I have been with Wells Fargo, for a little over a year now. During this time period my identity was stolen and claims were filed not on my behalf online. Well due to these Claims Wells Fargo originally decided over two months ago that they would close my accounts.
Giving the reason of " Excessive claims '' and then telling me the claims department recommended a review and recommended them close my accounts. After speaking with both the claims department and, prevention loss department. The Prevention loss department determined to keep my accounts as i was not the one who filed the claims. Then several weeks later, The same thing occurs. Once again they re reviewed my accounts and determined to retain the relationship. In the mean time i went to use my debit card to make a purchase and realized my debit card had been closed. I called customer support and was advised to go ahead and go into a branch and get a new card open. I did this over 6 times, With each card being closed within a week. Wells Fargo then makes a third attempt at closing my accounts out sending me notices, and i call once again and they determine that i did not file these claims. Then the representative calls over to the fraud prevention department and has my debit card turned back on, and explained to the rep that i did not misuse my debit card. I was also advised at the time, that as long as no further claims were filed my account would be monitored and kept open. If any further claims were filed it would be closed. No further claims were filed. I receive a letter in the mail, its in regards to a claim. I call the number on the letter to ask them what transactions was this in regards to. The letter advised if you have any questions to call. I did not try to file ANY NEW CLAIMS 0. Since my card was reopened. The rep then tells me she does n't have to give me that information. Then advises top please hold. Once being on hold i am then transferred to a person named XXXX ( Relations Department of the Claims Assistance center ) XXXX then advises me hes going to go ahead and close my debit card, I advised him that this decision to revoke my privileges was already over turned last week, and asked him why my debit card was being closed. I was then told because he can and it should n't have ever been re opened. I advised him the fraud department determined i did NOT misuse my card and decided to keep it open. He says he did n't care what that department said, and did n't care what my questions were. I then asked to speak to a supervisor and he told me he does n't have one. He then proceeds to hang up on me. All of this over a letter, about a claim and all i wanted was information. The next day i find out after filing a complaint on this XXXX. That my accounts are set to Close once again, And when i call to ask why. I am told due to Excessive claims again, even though it was already determined it was not from me. I advised them to check their notes last week, and the agent starts getting irate and says no. This decision is final.
Product: Consumer Loan

We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts need to be removed from my credit report. These accounts should not be furnished on my consumer report as they are in VIOLATION!
Product: Credit card or prepaid card

Case Number : XXXX Amount : {$94.00}, this is a response rebuttal to the letter issued by Capital One on XX/XX/2020, additional supporting is not included as it is not applicable based on what was requested in the letter. Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.