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

Below is the email I sent to XXXX my name and I am writing this email for the bad experience I had with a dealer and corporate customer service. I had issues with me vehicle XXXX XXXX XXXX XXXX and it was towed to the dealer XXXX XXXX when I spoke to them about the vehicle and getting a loaner I was advised I am not allowed to have a loaner since it was first time at this dealer. I was out of town when the vehicle had giving me issues. I spoke to the dealer the next day and was advised it was my transmission. I never had any issues before with my vehicle or indications. I spoke to XXXX the service advisor the next day about the issue he had an attitude for me asking questions as to what happened to the vehicle. I believe there other under lying issues as to why I was treated this way. I called corporate customer service the first rep was very nice in handling the situation and taking down my concerns and I received a call back from XXXX he advised nothing he can do, he showed no concern. I explained issues of the dealer he explained they are privately owned and I have to discuss with the general manager at the dealer. If your dealers are treating customers in this fashion I think it would be more of concern since they are the face of the company. My family has had several vehicles with the company, and was in the market for a new XXXX or XXXX  vehicle. My brother has been a XXXX supporter. I had advised friends to purchase vehicles and they have. So this experience here has left a very feeling of the company and the brand. I know my vehicle was not having transmission issues and for it to just fail is shocking. I expected more but received left. I believe there is some unfair and deceptive practices going on. I am considering a CFPB complaint I believe I am being mis treated compared to other customers. My contact information is email This began XX/XX/18 through XX/XX/18 Thanks I know the company could have assisted me with issue in reference to the vehicle. I have worked for the company and seen the company pick and choose who they decide to help when they want to. It is not fair standard across the board they have policies but they still pick and choose who they decide and not to help. This is a on going issue with the company.
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 XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 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. 1881-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
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 ) -5-1002.142 ( 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 from company Transunion. Please delete the following accounts. 

XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There's an inquiry on my Equifax credit report from XXXX. I'm unaware of the giving XXXX  permission to pull my credit report. I have asked Equifax to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.
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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transition inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 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

I am filing this FTC Identity Theft Affidavit to report 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 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. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Private Consumer Date of Birth : 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 Experian 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 a personal loan from XXXX XXXX {$6000.00} # XXXX opened XXXX, XXXX XXXX {$1500.00} # XXXX opened XXXX, XXXX XXXX {$2200.00} # XXXX opened XXXX, XXXX XXXX XXXX {$2100.00} # XXXX opened XXXX .... These accounts have resulted in several fraudulent hard inquiries 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 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 Experian 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 the email address XXXX.
Product: Debt collection

This company is reporting erroneous information on my XXXX credit report with account number XXXX. Several years ago I filed a bankruptcy which has now discharged. This company has reported this debt to XXXX AFTER the filing of a bankruptcy for a creditor that was included in the bankruptcy with dates as recent as XXXX of 2015. This is a severe violation of the FCRA and FDCPA. I have written them at least XXXX about this. I will attach the documentation.
Product: Credit reporting or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE CREDIT ACCOUNTS THAT WERE OPEN DURING CONSUMER 'S XXXX  YEARS OF INCARCERATION.
Product: Credit reporting or other personal consumer reports

Hello I am Following up, to delete the following information in my file, these items do not belong to me.. I am a victim of identity theft and did not make the charge. I reported this to the Federal Trade Commission. It is my understanding that under Law you had 30 days from the receipt of prior letter to verify items, being that it has not been verified within that 30 day period it constitutes reason to be immediately deleted from my credit report. Also, Pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items has been deleted. According to the provisions of 15 U.S.C. Section 1681j, there should be no charge fort this notification.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was in correspondence with a gentleman from XXXX to purchase a pomsky puppy from him for the price of {$810.00} all seemed promising he informed me to transfer the money through Zelle I signed up for a zelle account and was only able to send {$500.00} so he and I agreed I'd send that and when he shipped the puppy I would send him the remaining {$310.00}. I was guaranteed that the money was 100 % refundable and was no risk if I changed my mind. After hours of waiting for him to send the agreement paperwork I got suspicious and questioned him he told me to relax and he would email me the agreement which he did at this point I was uncomfortable and realizing I had made a very poor decision. I contacted my bank to cancel the transaction and was informed that I couldn't cancel the transaction but would have to file a merchandise dispute. I than reached out to the gentleman once more in hopes that he would refund me the money and to no surprise I got no response from him so on XX/XX/XXXX I was back in contact with my bank and ultimately filed the dispute to which I was denied because I sent the money through zelle which doesn't offer any protection to the sender for fraud. I contacted zelle after speaking with the bank and was told the same thing. They would do nothing I asked what they planned to do with the gentleman who stole my money and was informed that they would close down his zelle account but that was all they would do in this case. After this I XXXX  the phone number of the gentleman with the puppy and there are 1000s of complaints about this animal scam and nothing has been done to stop this.
Product: Credit card

5/3 bank I reported fraudulent activity on my card & the customer service rep failed to report it or just simply didn't believe my claims when I had proof of my whereabouts at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTINUATION TO CFPB CASE # XXXX it's now exactly 90 days, and my personal capital one credit card is still not reporting to XXXX and XXXX, I will attach your original response and you promised that you investigated and " IT IS REPORTING '' WHEN IN FACT IT DOESN'T. 

Then you said, I should give it up to a maximum of 90 days, and it will report. 

Dear Capital One, please understand, one of the reasons I'm being denied credit, or only getting approved for low limits is because this account is not reporting!! 


Please stop with the stories and have this reported. 

BE HAPPY I DIDN'T REPORT TO THE CFPB THE FACT THAT YOU CLOSED MY SPARK BUSINESS CHECKING & SAVINGS ACCOUNT BASED ON A FALSE ACCUSATION THAT THE SAME IP address WAS USED FOR AN ACCOUNT WHICH IS COMPLETELY NOT ASSOCIATED WITH ME, BUT THAT ACCOUNT I GUESS HAD A PROBLEM AND THEREFORE YOU SHUT ME DOWN! 

I understand and respect that capital one has the most beautiful terms and conditions which has ever loophole to violate every consumer law. And I have to give credit to capital one for the fact that their TERMS & CONDITIONS is a XXXX XXXX XXXX best seller for already 5 yeas!! 

However, even with the most beautiful booklet called " terms and conditions ( to let us do whatever we want ) '' I read it again and it doesn't say anywhere you can close accounts based on false accusations. 

But I just let it go and accepted the damage and didn't even bother calling to re-open it, as I knew with certainty there's no-one with a heart that will care no matter what, in fact they'll just have pleasure from it. 


back to the point please report my credit card to the 3 credit bureaus XXXX, XXXX, XXXX I will attach the most recent statement of the credit card which is not reporting so you'll know which was needs to be fixed and report to XXXX, XXXX & XXXX. 


Otherwise, I want to thank you every minute of the day for everything you have given me ( and taken away ) but lets focus on the good, and I am so so so so so proud that I'm a valuable customer from the biggest bank in the world " Capital One ''. 
It really means a lot to me, and again I really appreciate everything!!
Product: Prepaid card

There 's multiple issues above that affected my abilityto use my RushCard such as the inability to view mytransactions, perform card to card transfers/movemoney from my RushGoal to my main account and deduct moneyfrom an ATM. The primary reason for these issues was dueto a " glitch '' with the website while performing an updateand scheduled maintenance. Consequently, I wassubject to temporary remove my direct deposit and amreceiving paper checks. Due to this change, I 'm now being charge {$100.00} late fee from my rent.
Product: Credit card

I recived an email from AMEX for XXXX XXXX XXXX, I know my credit is horrible and will not quailfy for approval, so there was a XXXX XXXX ran to bring m y score down through XXXX, I am trying to build my credit and this credit company is preying on me through my business name XXXX XXXX XXXX XXXX, to lower my XXXX XXXX, please provide a dispute so I can remove this inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has directly has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Product: Credit reporting or other personal consumer reports

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to solve this problem with no success and XXXX hasn't responded to any of my inquiries. Revenue Recovery Corp is not my debt and it has been over 30 days for my dispute
Product: Credit reporting or other personal consumer reports

XXXX Letter sent to CRAs regarding the noted inaccurate information.
Product: Checking or savings account

On XXXX I received a message on my phone claiming to be wells fargo. they wanted me to review suspicious charges on my account. knowing that these calls can be spoofed I hung up and called wells fargo. while the wells fargo support person was looking into my account I notice that {$4000.00} was transferred to my account from my wife 's account, and then my whole account was drained of {$10000.00}. I made them aware of the transaction immediately and started the process of opening a claim to retrieve my money. Wells Fargo then gave me a case number and opened two new account numbers for me and my wife and closed the original accounts. the case was denied and I was told that the reasoning is that they said I was the one who did it. which in no way is true. they literally got every penny I have leaving me without a way to support my family. when I got the letter saying the case was denied, I requested that they reopen the case and escalate it to XXXX. they even went to the extreme to blame me for the transaction. they took over three weeks to resolve it again and once again they denied it. I was not given the courtesy of a phone call that was promised to me which is very unprofessional. I am unwilling to forfeit what seems like a non important amount to a XXXX dollar company. I am ready to take this to a lawyer, but id rather fix it at this level. I beleive all Wells Fargos calls are recorded so they should have the call I made initially to try and stop this from happening recorede. Im looking to have this resolved immediately.
Product: Mortgage

On XX/XX/20 I paid my mortgage with XXXX, loan number XXXX. On XX/XX/20 XXXX  mail me a letter saying I would receive my over payment in ten business days. As of today, 20 business days later, I have not received my refund of {$860.00}. When I have talked to them, by phone, they have blamed the reason for not receiving my refund of over paid principle on the mail and the letter XXXX sent was not accurate and should not have been sent. When XXXX is collecting payments from the consumer the mail is not an acceptable excuse for not getting my payment to XXXX on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute Results : XXXX reflects a report for XXXX XXXX XXXX. This information is incorrect as I have never been identified as such. Experian is reporting New Past Due statements to XXXX XXXX on XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX and XXXX XXXXXXXX XXXX XXXX Account : XXXX. Experian states they will not conduct any further investigation unless new information is provided. XXXX has reported that they notified each of the the three credit reporting agencies that no monthly payment is due, therefore there is no new past due payment pending. XXXX charged off the four accounts and has abandoned collections attempts. XXXX is aware of my address should they seek to pursue collections post 1099 but has not. XXXX XXXX XXXX XXXX likewise has abandoned all attempts at collections and there are no past due payments reporting.
Product: Debt collection

This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

My complaint is that TransUnion has failed to properly handle my dispute about inaccurate account information in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed a XXXX  account that contains factually incorrect information. The account shows inconsistent information across credit bureaus, which proves it can not be verified as accurate : The XXXX account opening date is reported as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

The " last active date '' is reported as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

The " last reported '' date is shown as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

These significant discrepancies demonstrate that the information can not be verified as accurate. According to the FCRA Section 611, if the information can not be verified as accurate, it must be promptly deleted.