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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Equifax requesting they correct several inaccuracies on my report. Including unauthorized inquiries. On XX/XX/XXXX I spoke with a representative who assured me they have been corrected. They are not corrected. 
In the letter I requested any documents bearing my signature be forwarded to me to show I authorized these inquiries. None have been forwarded to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to provide me with ANY information on this account. I have NO access to the account! Can not pull up on the website because the primary borrower has the password! I do NOT! They lied about attempting to make verbal contact with me several times. This is a lie! The ONLY information I have received from them is via disputes! How am I expected to protect my credit without ANY information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor the credit bureaus, as willful non-compliance. Ocwen Loan Servicing XXXX Open Date XX/XX/2005 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX
Product: Debt or credit management

I have solicited the service of Lexington law I believe three times and they have not delivered not even once. I have had their service for three years in two to three different occasions and never have I had any success. They keep taking my money on all occasions but never delivered. I feel it was intentional to keep collecting for as long as they can and do no work or poor work.
Product: Credit reporting or other personal consumer reports

I did not authorize or consent to the following information. Please block and remove it. 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 Delete this account immediately : Dispute 1 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On  Sunday ,     XX/XX/XXXX  m y son,   XXXX   XXXX   called and confessed that he had accepted a " predatory '' loan on   XX/XX/XXXX   and he begged me to pay it off.
After reading the loan documents and speaking with the local representative at TitleMax (   XXXX   XXXX   XXXX  ,  XXXX , Texas  XXXX  ) on Monday,   XX/XX/XXXX   at   XXXX  . I told my son I would pay off his debt. I again called the local representative and was given the pay-off amount ( {$440.00} in interest and fees plus {$2900.00} in principal ). I also confirmed that this amount was due on  XX/XX/17  and would not change regardless of when it was paid. Therefore, I determined to pay it on or just prior to the due date.
On Friday ,  XX/XX/XXXX   at  XXXX  I again spoke to a local representative to see how I could make payment. I was informed that credit cards or wire transfers were not allowed. I explained that I was located in Florida and preferred to make the payment directly to TitleMax and not through my son. She informed me they would accept a debit card. I asked if I could use my corporate debit and she explained it needed to be a personal account. She said my son needed to be there in person to authorize me to pay off the account. I was good with this and transferred sufficient funds the next week to complete the transaction.
I decided to have my son go a day early " just in case ''. He was at their office today (    X/XX/17    ) about  XXXX  est. H e called and passed the phone to a manager named  XXXX . She explained that I had been misinformed and they would not accept a debit card over the phone. In addition, the payment had to be made from an account with his name even though we have the same last name and he had given me permission in person to pay. They (   XXXX   and  XXXX  - the managers ) suggested I wire funds to him ; however, by that time he might not receive good funds until the next day and I was already suspicious of their operation. Of course, I would also have to pay bank fees, which I was avoiding. It appeared to me they were creating obstacles to the pay off.
I told   XXXX   I intended to report this incident to the CFPB and asked her to provide ( email me ) a written explanation of their pay off policy. She refused, saying they did n't have one. I then asked if she would mind if I recorded our conversation and her description of the policy. She said OK, but then gave the phone back to my son.
So this is a nefarious operation that charges ridiculous fees/interest for loans and THEN makes it difficult to pay the loan in full, even when you try to pay. I believe they do this to trap people. If you find another lender ( private or institutional ) willing to issue a loan on better terms ( say you got a new higher paying job or better credit score ), it is impossible, based on their stated terms, for this loan to be paid by said lender, who would need to receive collateral ( title ) concurrently with disbursement. The borrower is trapped unless they can raise the cash separately. Luckily for my son, I have the cash and did not require title or collateral.
Product: Credit card or prepaid card

In XX/XX/2018 Citibank decided that it would require customers to enact extra-legal limitations on the legal commerce of firearms and accessories. To the extent that this represents an unacceptable infringement of Constitutionally protected civil rights by a bank that only recently was bailed out by American taxpayers, I ask that Citibank be censured, reprimanded, or otherwise face severe consequence in terms of their future business dealings and with the American government and citizens. The right of a private business to conduct their affairs as they see fit must be respected, however this does not mean that these actions must or should be supported by the US government or citizens. 
I did raise these concerns with Citibank reps by phone calls and mailed letters, receiving the reply XX/XX/XXXX that Citi would not be reconsidering their actions. Subsequently I have cancelled all accounts with Citibank, which represents a restraint on free trade and legal commerce of legal goods.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via Capital One Auto Finance amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, XXXX, and XXXX refuse to remove a CAPITAL ONE AUTO FINANCE account. According to their websites, correspondence, ( XXXX XXXX XXXX consumerfinance.gov ) and Capital One Auto Finance 's letters, closed accounts stay on credit reports for 7 years. The account for Capital One Auto Finance has been closed for 10 years. 
I have also contacted CAPITAL ONE AUTO FINANCE directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. CAPITAL ONE AUTO FINANCE refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o Capital One Auto Finance representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. Capital One Auto Finance tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with Capital One Auto Finance. No one Is removing the old account
Product: Mortgage

I am currently on a repayment plan agreement with my mortgage company Loan Depot. I have been given misleading information by several customer service works within the last month. Basically lied too. On XX/XX/2019 I spoke with three different people and they all  told me different things. I spoke with a Mz. XXXX employee ID # XXXX, she was some what helpful. My issue is mainly with the rude woman I spoke with before Mz. XXXX. Mz. XXXX, she refused To give me me employee ID number. She my husband that if he did not make his payment by the XXXX that the payment would be cancel and Nolan void, when I spoke to Mz. XXXX She told me I had a 30 day grace period to make the payment and that it would not be Nolan void. Im very confuse how one agent was so definite that my payment arrangement would be broken and canceled and the other one wasnt, how one agent was helpful and the other one was not. Also I was told that I dont have the right to have my husband on a three-way call when speaking to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently.

They are in violation of 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.
Product: Credit card or prepaid card

In XXXX, XXXX, Bank of America ( " BoA '' ) reduced the credit limit on my mastercard from $ XXXX to {$750.00}. In response, I paid the card off in XX/XX/XXXX and shredded the card. I did not notify BoA that I was closing the account. Today, XX/XX/XXXX, I received a letter that my account is {$83.00} past due. When I called, I was told that they assessed the annual fee of {$79.00}, charged the interest, and the balance was now {$83.00}, plus they closed my account due to the delinquency on XX/XX/XXXX. I asked that they either : reinstate my account and credit limit of $ XXXX and I will pay the annual fee which would be for the XXXX year ; or they waive the {$83.00} charge, keep the account closed and remove any derogatory credit on my credit report ( XXXX ). The Customer Service person, XXXX XXXX, noted the account and advised that he would put in the request, but it will take several weeks to get a response, and it will mean that additional interest accrues and there is no guarantee that BoA will waive the fee or reinstate. This does not make sense. If BoA wants to charge an annual fee and expects you to pay it, then the account shoud be useable. If the account is closed, then they should not be paid the annual fee. It is common sense.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Transunion regarding their failure to properly investigate and remove a fraudulent car loan account, along with fraudulent credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, and XXXXXXXX XXXX which continue to appear on my credit report. Despite numerous attempts to resolve this issue since XX/XX/2024, no resolution has been reached. 

This account was fraudulently opened in a state where I do not reside. Upon discovering this issue, I have taken all necessary steps to address it, including providing TransUnion with the following documents : Police report documenting the identity theft FTC Identity Theft Report Identity Theft Affidavit Proof of residency ( including a recent utility bill ) I have mailed these documents to TransUnion on multiple occasions and have called repeatedly to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. On XX/XX/2024, I received yet another letter from XXXX XXXX XXXX requesting that I resend all previously submitted documentation. On XX/XX/2024, I mailed my utility bill, drivers license, Identity Theft Affidavit, FTC Report, and police report again, along with a copy of XXXX XXXX XXXX 's letter. 

During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX, and they informed me that they had contacted TransUnion to expedite the removal of the fraudulent account. However, TransUnion has yet to update my credit report. 

I have also contacted all other companies related to the fraudulent inquiries and provided them with the FTC reports. Each of these companies has stated that TransUnion must remove the accounts. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that TransUnion immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take immediate action to ensure my credit report accurately reflects my correct information. I have attached all relevant supporting documents for your reference. 

Thank you for your attention to this serious issue. I look forward to your swift resolution.
Product: Debt collection

The previous response from this company is an outright lie, which is what you would expect from this law firm. 

Here is what they stated in their response : The initial court date was more than 60 days from the initial notice. The borrower is also wrong in his claim above that the Fair Credit Reporting Act applies. Our firm does not report to Credit Bureaus, and has not regarding this borrower. 

The very FIRST communication I had with this law firm was XX/XX/XXXX and they filed a court case WELL UNDER 30 DAYS THAT THEIR LETTER LEGALLY OBLIGATED. This law firm response stated that I pasted above says the court date was more than 60 days. THIS IS A FLAT OUT LIE. It was well under 30 days from the FIRST COMMUNICATION I EVEN HAD WITH THIS LAW FIRM. XX/XX/XXXX XXXX to XX/XX/XXXX the date of the lawsuit is WELL UNDER THE 30 DAYS THEY PROMISED ME IN THIS, THEIR VERY FIRST LETTER TO ME. I didn't even receive this letter until XX/XX/XXXX, probably this law firm HELD the letter as shady and unethical as they are, in order for me to have less time to respond. 

CFPB, DO SOMETHING ABOUT THESE SHADY LAW FIRM AND HELP ME RESOLVE THIS LIKE YOU ARE SUPPOSED TO DO. 

THEIR RESPONSE WAS A FLAT OUT LIE. I have a paper trail to prove their shady practices and I will continue to fight them, including with the Attorney General of Tennessee as well as the XXXX  XXXX.
Product: Checking or savings account

Starting XX/XX/year> a Fraud Wells Fargo [ hereinafter, WF ] Department Agent directed me on the phone to " Move '' my Checking account sum of {$17000.00} to Savings account, leaving a remainder of about {$78.00}. I was then directed to open my " ON_LINE Acct. MY ON-LINE REVIEW OF MY ACCOUNT CONFIRMED ALL WAS 'ORDINARY '. I was advised that a WF 'Branch personnel ' was stealing my money through XXXX XXXX orders for purchases. The checking account would be monitored to determine the WF thief ' or individuals ' identity. I DID AS DIRECTED AND ALSO " ACTIVATED AN AUTOMATED WF EMAIL NOTICE TO ME OF ANY TRANSACTIONS. I REVEIVED A " WF EMAIL ' MY TRANSACTION WAS NOTED '' ... WF FRAUD My participation was required. I was directed to go to the bank and withdraw {$25000.00}. -AGAIN -LATER ANOTHER {$25.00} AND LASTLY {$10000.00}. AND DELIVER THE {$60000.00} MONEY TO A WF COURIER. I DID THIS THREE TIMES OVER THE FOLLOWING 7- 8 DAYS. NEXT I called The WF Fraudster, named XXXX ', but 5 calls over two days were either busy or disconnected. onXXXX I went to the WF XXXX  XXXX Branch , California and advised of " the Possible Fraud ''. I filled out forms and am waiting for a decision about the {$60000.00} reimbursement since i learned on4/2/2025 that the {$60000.00} was coming from MY ACCT>!! The Fraudster mover money back and forth many times to settle in the Checking ACCT. I NEVER RECEIVED ANY WF SYSTEM PROMISED " AUTOMATED FROM WELLS FARGO NOTICE @ ANY CURRENT TRANSACTION ( S ) '' FOR ME TO BE ABLE TO MONITOR EVENTS! NO " EMAIL- AUTOMATED ACCOUNTS TRANSFER '' TO SUGGEST TO ME & SUSPECT THAT I WAS BEING MANIPULATED AND MONEY WAS BEING STOLEN - - FROM ME!
Product: Debt collection

Collection agency announced they wete a debt collector and attempting to collect a debt on a public forum.
Product: Debt collection

I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

-- - XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Complaint against Exeter Financial - Fraudulent Vehicle Financing Dear Sir/Madam, My name is XXXX XXXX, and I am writing to file a formal complaint against Exeter Financial regarding a fraudulent vehicle financing situation. The details are as follows : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from [ Dealership Name ] in [ City, State ]. The vehicle was financed through Exeter Financial. I have since discovered that the vehicle I purchased was still under an active lease with XXXX XXXX XXXX. 

Key issues : 1. The dealership sold me a vehicle that was still under an active lease with XXXX XXXX XXXX. 
XXXX. Exeter Financial approved financing for a vehicle that was not legally available for sale. 
XXXX. It's unclear how payments are being made to both Exeter Financial ( by me ) and XXXX XXXX XXXX ( by an unknown party ) for the same vehicle. 
4. This situation raises serious questions about the legality of the transaction and the due diligence performed by Exeter Financial.

I have attempted to resolve this issue by contacting Exeter Financial numerous times. Despite going through various channels, I have been unable to speak with anyone in a higher position about this serious and illegal situation. 

Questions that need immediate answers : XXXX. How did Exeter Financial approve financing for a vehicle that was still under an active lease?

2. What due diligence was performed to verify the status of the vehicle before approving the loan?

3. How are payments being made to both Exeter Financial and XXXX XXXX XXXX for the same vehicle? 
XXXX. What steps will be taken to ensure I am not held liable for any illegal activity? 

I am seeking immediate clarification and resolution on the following points : 1. A full investigation into how this transaction was approved and financed.

2. Immediate contact from a senior representative, specifically XXXX XXXX, the regional manager, to discuss this matter.

3. A detailed plan to resolve this situation, ensuring that I am not held liable for any fraudulent activity.

4. Compensation for any damages or inconvenience caused by this situation.

Additionally, I request that appropriate action be taken against the parties involved in this illegal transaction.

This situation may seem minor to Exeter Financial, but as a consumer who has been fraudulently taken advantage of, it is a significant matter to me. I urge you to look into this matter I sent all documents to prove my claim but no response in they stop me from sending emails to them