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

I have contacted this company XXXX a few times they responded back with a letter stating that they sold the debt to DNF. I have also contacted them sending them debt validation letters and debt verification letters requesting that they validate this debt. 
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company DNF, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt in person to XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of {$180.00}. I sent the receipt to Equifax and XXXX twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.
Product: Checking or savings account

Exactly two weeks ago today I spoke to an agent regarding overdraft fees. She explained to me that the fees were the result of an option that was selected when I opened the account online where BB & T would review and pay items if there was not enough to cover in the account. It was my understanding after that call that this option would be turned off and BB & T would decline transactions from then on. 

In the last 2 weeks BB & T has paid around {$200.00} in charges for automatic payments ( XXXX, XXXX, XXXX  ) and charged me around {$300.00} in fees. I spoke to an agent and her supervisor and they could do nothing for me. It was explained to me that contrary to the understanding I was given two weeks ago, the option to decline transactions was not turned off per my request during the prior call. 

It seems to me that this is predatory banking. I would have much preferred BB & T decline these relatively small transactions than to charge me {$36.00} for a {$9.00} charge.
Product: Mortgage

THIS IS A SECOND COMPLAINT PLEASE DO NOT MARK AS DUPLICATE COMPLAINT BECAUSE THIS COMPLAINT IS IN REGARDS MY MORTGAGE ASSISTANCE APPLICATION DENIED ON XX/XX/2019 This year I was facing foreclosure because I can not afford the payments for a loan that I have with Chase because with the years the payment has steadily increased from {$130.00} to {$260.00} per month, also my health and financial situation are not the same as when I applied for the loan and the living expenses increased -Property tax, utility cost, Gas prices, Health Insurance- . I applied 2 times for a mortgage assistance and both applications have been denied, Chase just offered me a short sale or a deed-in-lieu of foreclosure but both options will make me a XXXX homeless person. I am just asking to reduce my monthly payment in order to keep a place to leave, have food in my table and have all the medicines and medical treatments that I need to keep me alive. During the last 10 years or so I have been inundated with medical surgeries just to stay alive. I am a XXXX survivor and have had a lifelong XXXX issue that has become progressively worse. I have had multiple XXXX surgeries caused by other medical conditions and at one point my XXXX literally snapped in half and I needed to have emergency life saving XXXX. I have had XXXX because of all the medications necessary to live have thinned my XXXX   so much my own body started contaminating itself. The medications and the surgeries just exacerbated the issue and I had to have other surgeries to undo the damage caused. And all these things dont even begin to bring forth the light of what truly has happened to me medically. I am just trying to keep my history as private as I can while still informing you of the seriousness of my medical condition. It goes without saying that I am unable to work since I spend so much time just trying to stay alive. I am unable to work. Due to this I am unable to garner any real income to pay for this increase in the minimum loan payment amount you have just given me, to make matters worse my income will be reduce this year. I served as teacher for decades, My husband served the country in the military before pass away. I just asked to Chase for help modifying this loan I have with them, so I can make $ XXXX $ XXXX  monthly payments to the loan while I still live. The way I see it, Chase will get more money this way. Chase can always foreclose the home once Im dead and get the money anyways, but at least let me pay chase in {$100.00} installments so I can go on living my life in my home with whatever time I have left.
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, has violated my rights. 


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

I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX  ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance XXXX XXXX XXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report
Product: Vehicle loan or lease

On XX/XX/2020, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked " Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were " New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, " Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to lack of response from these companies, I am filing this complaint to WORLD FINANCE CORPORATION, and XXXX. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2024XX/XX/XXXXXXXX XXXX ( XX/XX/2024 ) XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed on XX/XX/XXXX. Hyundai Finance company was called and provided reinstatement amount for the car loan and where the car was being held. Car was sent to XXXX NJ to be auctioned off. XX/XX/XXXX Hyundai Finance was called and the amount to reinstate the car loan was paid ( over the phone with mother and father as witnesses on a conference call ) to the amount of XXXX ; Hyundai Finance claimed Letter of Release was sent on Friday XX/XX/XXXX. Monday XX/XX/XXXX XXXX NJ was called to set appointment to pick up car. XXXX NJ claimed the Letter of Release sent by Email was not received and processed. Call placed to Hyundai Finance regarding matter. Hyundai finance claimed Letter of Release was sent. Hyundai Finance sent another Letter of Release. 

Tuesday XX/XX/XXXX XXXX NJ called again to set up appointment ; again was informed that Letter of Release was not received and processed. Call placed to Hyundai Finance again regarding matter. Hyundai finance again claims that the Letter of Release was sent both on the XX/XX/XXXX and XX/XX/XXXX. Hyundai Finance sends another Letter of Release via email. Hyundai finance questioned about the possibility of them calling over to ensure email was received. Hyundai finance refused to call XXXX NJ to ensure email was received instead instructing me to call XXXX NJ again despite having no proof they have actually sent the email. 

XX/XX/XXXX XXXX NJ called again to schedule appointment and once again informed the Letter of Release was not received. Hyundai finance called again and informed of situation. Despite having knowledge that last emails containing the Letter of Release have not been received by XXXX NJ, Hyundai Finance sends another Letter of Release via email. I requested Hyundai Finance to forward the email to my personal account for proof but was denied stating they could not forward me the email because it was not " processed. '' I still do not have my car despite the fact the amount to reinstate the loan ( which was provided to me by the company ) was paid, multiple claims of Hyundai finance sending letters ( on the XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX ) which according to XXXX NJ would be processed in 3-4 hours or sometimes 24-48 hours, and XXXX NJ claiming they never received any Letter of Release from Hyundai Finance. Hyundai Finance refuses to call XXXX to ensure the email is received or provide me with proof that the email was sent. I have no other choice but to file a complaint for disingenuous business practices.

I have attached two documents one which shows I paid the amount to reinstate the car loan and another which show that I have another payment due on XX/XX/XXXX which proves that the car loan was reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.
Product: Money transfer, virtual currency, or money service

Last month I listed my beloved camera ( {$450.00}, most expensive thing I've ever sold ) on Mercari, sold to a buyer ( now that I look back, they had a XXXX deal history XXXX  account ). They claimed an empty package after receiving and asked to cancel the order. 

Mercari within 1 hour permitted cancelling the order and limited my account, even though I've previously sold XXXX deals on Mercari , all XXXX star ratings. 

I submitted my argument and shipping receipt ( clearly shows the package weighs XXXX lbs ) as proof, arguing that not only is the buyer the actual fraud, it is also unfair to just hear one party 's word and decide the case. 

Mercari replied with saying they are taking my case to the Payment Team ( which only works in week days ) for a second review. Not a single word in the following two business days. On the third day ( Saturday ), I got an email saying my account was closed. Later I argued again, Mercari replied by saying my account was limited and therefore " is ineligible for reinstatement ''. The sheer ridiculousness of this claim is mind blowing, it's like saying I killed you so you can't really blame me since you're already dead. 

So my camera is gone to a fraud, I didn't get any money, my account was colsed, Mercari did not investigate at all. The promised shipping insurance was never brought up. They didn't help provide the buyer 's address, which blocked my hope to take this to their local police department.
Product: Consumer Loan

This is an addendum to reopen claim:XXXX Attached please find consent from my mother giving permission to represent her interest in this matter. She does not speak English and her health is delicate as a result of a XXXX. Therefore, she has assigned me to speak on her behalf.
Product: Credit card or prepaid card

Citibank closed my credit card without warning or notice. My last charge was XX/XX/2020. 
I lost about XXXX reward points. I would like either a statement credit or to be able to transfer the points to a travel partner.
Product: Credit reporting or other personal consumer reports

I was stunned when I saw incorrect accounts on my credit report today, with no explanation as to why. I check my report frequently, and everything had always been fine until now. I refreshed my browser, thinking it might be a mistake, but the errors remained. Im requesting that my submitted documents be carefully examined so I dont have to deal with this stress ever again.
Product: Credit reporting, credit repair services, 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. 

Accounts- XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX has been violating my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The people responding to my complaint. Still doesn't get it. Wells fargo weren't exercising their right to close my account until XXXX XXXX lied about me saying I harassed her. My new account wasn't open very long when they closed it. It was closed on XX/XX/2015 after it was open on XX/XX/2015. I was forced to go back and forth to the bank so XXXX XXXX could be at the bank to falsely call the police on me. But the police didn't do anything to me. 

This angered her to whine to XXXX XXXX. He took her side without even talking to me and didn't bother to look at the banks security footage. Which would prove that I wasn't harassing XXXX XXXX. My new account was open only for a few weeks. I had every right to be outraged and angered by XXXX XXXX continue harassment falsely accusing me of harassing her. All wells fargo managers said they had a right to close it. Well their was nothing wrong it wasn't in the negative it was in the positive. XXXX XXXX falsely accused me to them of harassing her and they sided with her against me! Wells fargo let XXXX XXXX get away with harassing me and falsely accusing me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I scheduled to have a company come out to conduct a specific service. 
They showed up collected my information and said they needed to leave to get equipment to do the service. Long story short they never came back and I tried resolving this with the company over the phone but they refused to come to the work as outlined on our predestinate. 

When I saw a charge show up on my card I filed a dispute with my credit card company. When My credit card denied my dispute the first time they told me I need more information on XX/XX/2023. I wrote down everything they said I needed and after investigating the matter further I found the company took my digital signature off my pre-estimate and applied it to a charge receipt. 

I filed a police report and reached back out to capital one informing them of the new information. Capital One gave me wrong information through out the process on how to handle this dispute then denied my dispute. They protected the company committing the fraud and not their customer. 

They told me to take it up with the police or other means. I find this to be criminal on their part as well for facilitating this criminal activity by doing nothing.
Product: Credit reporting or other personal consumer reports

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments ( XXXX XXXXXXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Debt collection

Around XX/XX/2020 I wrote and debt dispute and Cease and Desist Letter To Rushmore Loan Management Services. After receiving this request Rushmore Loan Management Services still called me XXXX time after the request. Rushmore Loan Management Services called on XXXX, XXXX, and XXXX. Rushmore Acknowledged they received the cease and desist request in a letter dated XXXX. 
The phone calls caused me a lot of stress and I am still hurt by the company 's actions.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my report that resulted from XXXX XXXX. I have notified Experian and provided my XXXX XXXX  report but the accounts are still on my report.
Product: Checking or savings account

On XX/XX/XXXX, there have been some fraudulent amazon packages being sent to my house. I called chase to cancel the card. Some packages were sent to my house and some were sent elsewhere. None of the transactions are on my amazon account. I have already disputed with chase, but they have said that Amazon is refusing to retract the funds despite the identity theft. I have already submitted a complaint with the sherriff 's office and the federal trade commission. I have offered to send the packages back to amazon. Amazon has refused to tell me where the packages have gone or the email used to purchase. Amazon has confirmed to me in writing that the packages are not on my account with them. There is {$530.00} in dispute. Amazon and chase have refused compensation despite identity theft and fraud being reported to the FTC and sherriff. In addition, Amazon has refused to take the packages back.
Product: Debt collection

VIA USPS CERTIFIED MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCTS # : XXXX / XXXX DEAR DEFENDANT : LVNV FUNDING LLC I HAVE NO BUSINESS WITH YOUR COMPANY I HAVE NO KNOWLEDGE OF THESE ALLEGED DEBT IF YOU BELIEVE I HAVE KNOWLEDGE PLEASE SEND CERTIFIED MAIL TRACKING NUMBER # WITH MY WET SIGNATURE ON RETURN RECEIPT OF SERVICE PROVING IVE BEEN PROPERLY INFORMED TO DISPUTE THESE ALLEGED DEBTS. DELETE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REGARDING MY XXXX  XXXX XXXX THEY REPORTED STOLEN AFTER I PAID IT OFF IN FULL TO XXXX XXXX XXXX XXXX XXXX IS TRYING TO CHARGED ME XXXX FOR A CAR MY IDENTITY WAS STOLEN AND USED TO PURCHASE VEHICLE. 
XXXX XXXX XXXX OF XXXX AL HAS I DENTITY THEFTED MY HE HAD GONE TO XXXX  IN OHIO AND XXXX IN M Y NAME XXXX XXXX STOLE XXXX FROM THEY DIDNT ISSUES ME A NEW ACCOUNT THEY CLOSSED MINE AND CALLED ME A XXXX. 
XXXX XXXX XXXX XXXX  XXXX TOLD ME ACCOUNY CLOSE D FOR NO REASON PROBABLY BECAUSE XXXX stole over 1,000.00 outta my account from academy by the account is still open and academy keeps giving me fees so it goes into the negative so they can drew me over Every inquiry on my credit report is fraudulent all 94+ of them XXXX student loans some one went to school in my name I don't have a degrees and I hate school. 
Grip my car insurance company didn't even help me with XXXX XXXX reporting me car stolen because I have all my paperwork. Grip let me report it stolen becaus basically I ca n't drive it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX