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

I received a letter in the mail about intent to repossess, however your records must be in disarray! The vehicle was repossessed already back in 2023. THIS IS THE EGREGIOUS MESS OF AN OFFICE I WAS TALKING ABOUT BACK THEN IN 2023. NOTHING, I MEAN NOTHING IS ORGANIZED WITH YOU PEOPLE! YOU FIND SUPERFLUOUS FEES TO TACT ON BILLS, ANNNNND YOUR RATINGS ARE TRASH WITH XXXX, amongst others. Im getting a letter with threatening language saying youre going to repossess a vehicle ( that was repossessed back in XXXX XXXX I have paperwork AND photos/video ), saying something about {$28000.00}. I DO NOT HAVE THE VEHICLE, YOU TOOK IT!!!!!!!!!! I DID NOT SIGN ANY DOCUMENT WITH YOUR NAME ( INNOVATE AUTO ) EITHER. DO NOT TRESPASS ON MY PROPERTY AGAIN, I MEAN IT!!!!!!!!! GO GET THE VEHICLE FROM THE REPO LOT OVER IN XXXXXXXX XXXX XXXX XXXX XXXX IF ITS STILL THERE. DO NOT TRESPASS ON MY PROPERTY AGAIN!!!!! IT IS AGAINST THE LAW AND I HAVE CAMERAS! I ALSO HAVE PROOF OF THE REPO BACK IN XXXX OF 2023. YOU WANT THE VEHICLE, GO GET IT AT XXXX XXXX XXXX ( XXXX, MD ). THIS IS A WARNING TO STAY OFF OF MY PROPERTY. IF I FIND ANYONE ON MY PROPERTY WHO ISNT AUTHORIZED ( Trespasser ), ACTION WILL BE TAKEN IN ACCORDANCE WITH MARYLAND STATE LAWS.
Product: Money transfer, virtual currency, or money service

On XXXX sent a XXXX scammer {$300.00} via the XXXX feature on my XXXX XXXX Account. He never sent me concert tickets. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to Bank of America account, right? For some reason, every scam I come across involves Bank of America. '' Telling, right? 


XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( BofA ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing they could do and that the claim was closed. 


I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to BofA. BofA will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me XXXX and I 've learned XXXX some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. 

They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 


One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 


Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and Bank of America is a haven for scammers because they do not properly verify ids when setting up accounts.
Product: Checking or savings account

I received mail from TD bank checking account bonus in XXXX. I opened account online and met all requirement in XXXX. I should receive bonus on XXXX but I didn't receive checking account bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I've never had an account with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal credit reporting act, this creditors Portfolio Recovery and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX  XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX   XXXX XXXXXXXX 4 ) XXXX XXXX XXXX {$390.00} 5 )  XXXX/ XXXX XXXX IN Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT : XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX  XXXX XXXX # XXXX ACCOUNT : XXXX  XXXX # XXXX - 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

-15 U.S.C 1681 c ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

-15 U.S.C 1681-2 ( 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 or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report. Despite my previous correspondences with your bureau, this inquiry remains on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed this unauthorized inquiry from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate this inquiry and remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fortiva received a payment request for them to direct debit my XXXX XXXX XXXX account for {$500.00} to pay my credit card bill payment. Instead they refused to allow the payment to be processed and decided to block me from making payments on the account # XXXX.I was told to call them to verify any form of payment and when I called they were illegally asking for my payment card number and refusing to allow me to process it online. I then entered a new account number that encourages bank account payment. It says it will be processed in 24 hours. This time they ignored the payment cause the bank waited with me. They are now refusing to pay the payments intentionally denying me my rights.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Product: Debt collection

I XXXX XXXX recently ran into a wall as far as my financial matters go. However, I am now regrouping and I noticed that a number of my creditors have claimed that they have sold my debt to a third party. In any event, I am now requesting the following from the original creditors : 1 ) The name of the debt buyer where your institution claims it sold a debt.

2 ) A copy of the actual sale agreement between the parties.

3 ) A copy of both debt collection licenses and/or debt buyer license for the Commonwealth of Massachusetts where I reside.

4 ) A reasonable offer in compromise also known as a settlement offer that can be either mailed to me or sent by email. I would like to proceed on settlement offers immediately. 
If the account is still with the original creditor, I would appreciate a settlement offer immediately, regular mail or by email. Email responses will happen immediately. 
Thank you for your professional consideration in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX keeps allowing information to be reported wrong and its affecting me adversely. then we have to keep doing disputes over these issues. I should not have any hard inquires in the past 2 years and no bad marks. its over 200 people in GA alone with the same identifiers as myself. This is getting bad and I have been dealing with this over XXXX  years of being in GA. This is a way to harm minorities in this country. Who compensates us for these hardships?
Product: Debt collection

I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C.

1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked!

The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting!
Product: Mortgage

Wells Fargo has not sent me copies of my monthly HELOC statements for two years even though I've requested them multiple times. In addition, the account has been deleted from the Wells Fargo website entirely and is showing up as " dismissed '' on my credit report from a prior bankruptcy. However, the bank continues down the path of foreclosing on the property.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  since XXXX of XXXX and XXXX on XXXX of XXXX, upon checking my credit report, i have realized that someone has been using my identity using my personal information to obtain goods and services using my personal information
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate this reporting account within the legally stipulated timeframe without presenting any evidence is not permissible. The following accounts require investigation and correction for inaccurate reporting on my credit file, as they are listed in my credit report : XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report from ALL 3 major credit bureaus. 
Name on credit report is inaccurate. 
False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX bankruptcy, and the credit bureaus said it was verified through XXXX XXXX. I called XXXX XXXX and they do not show that bankruptcy on my account/record at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
Product: Student loan

I attended XXXX XXXX XXXX from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX and attended again from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX. I was promised a job placement during both orientation by the XXXX representative. I never received any assistance from the XXXX XXXX representative about the job placement after graduation.
Product: Credit card

JPMCB card It's on my Wife 's and My credit report. Have nothing with this company. It shows account XXXX... under mine. My wife XXXX shows XXXX a balance XXXX on her account. We don't have no account with them.
Product: Credit reporting or other personal consumer reports

Kickoff Lending is reporting that I had a loan with them in the past, and I never borrowed money from that company. I disputed this account with all three bureaus and asked for verification of account. The company replies to my disputes as information is accurate and refuse to remove these accounts from my credit report. I am needing this account removed from my credit file because I never had a loan from Kickoff Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXXXXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, XXXX, and Equifax keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 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 a account with out my written instructions.
Product: Debt collection

In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.