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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I obtained a 5/3rd Trio Card in XX/XX/XXXX from branch manager XXXX. Promotion was to spend {$1000.00}. in first 90 days and receive {$100.00} cash. XXXX, branch manager explained in detail that after this criteria was met it was as easy as walking back into this branch and receiving the {$100.00}. XXXX misrepresented the card, saying it would really be an added promotion to an existing 5/3rd card I have, as I was sensitive to the fact that part of my credit score was helped by having the long existing 5/3rd card. XXXX assured this would be the case instead a new start date with a brand new card was initiated, affecting credit score. I did spend the {$1000.00} in the first 90 days.

I have gone in now 3 separate times to resolve this, speaking with XXXX XXXX XXXX and now XXXX XXXX. Each trip was over 30 min in length due to each of them not resolving the issue. All 3 state it is clear I have met the criteria, but " corporate or credit division or whoever '' does not show the correct amount of reward points and all have tried to make this correct. 
Latest visit was yesterday, XX/XX/XXXX to XXXX, manager, who after 40 min took my info and assured that a regional manager would call same day. I provided phone and email, no call or email. I just want to receive the {$100.00} promised to me
Product: Vehicle loan or lease

I spoke to Ally in XX/XX/2019 about receiving XXXX benefits under the Ohio Revised Code. I was told it would not be an issue and was given a list of documents to send either fax or by mail. I sent all the required documents certified mail that was received on XXXX XX/XX/2019 by Ally and I have yet to receive any correspondence on the status of my benefits.
Product: Credit card

I got victim on my identity, theft credit card debit card housing collections all other things
Product: Mortgage

Nation Star /Mr Cooper the alleged servicer in my home account sent me a letter to have my account transfer to XXXX XXXX. Knowing XXXX XXXX was the current Investor I asked why I was not inform by the previous investor or the new investor about this transfer.

I don't even know the information in the new investor according with XXXX XXXX they said the Transfer got done last XX/XX/2019, If the transfer got done in XX/XX/XXXX it Clear it occurred a violation of TILA 15USC 1641 provision 131 ( G ) by the new investor in failing to provide me its information.

Its clear to me there was a Transaction in the Past between XXXX and Nationstar without the authorization of the Investor, Per the Original agreement I had with XXXX XXXX XXXX in the document signed " I'm aware the account can be transferred as many times and it can be done only by the INVESTOR/OWNER '' not the Servicer as it seems its occurring twice The servicer function is to service the account only as its name shows. The Servicer doesn't have the Authority to transfer or Sale the Account. Also doing this inquire I have to mention the balance reflected in this account is not Accurate as it reflect in the last statement from Nationstar/Mr Copper. Account # XXXX showing a balance of {$290000.00} when the original Deed I have is for $ XXXX from XXXX XXXX XXXX.

Please see my letter and other supporting documents directed to Nationstar/ Mr Cooper . I want to have the CFPB to interact in my behalf in this.
Product: Credit reporting

Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian.
Product: Credit reporting or other personal consumer reports

This account was investigated by two other credit reporting agencies and it was found through investigation that the account should not be on my credit file. I have been disputing this account since XX/XX/2023 and Experian has not updated.
Product: Credit reporting or other personal consumer reports

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw XXXX XXXX accounts and disputed on XXXX as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is killing my score ....
Product: Bank account or service

J.P.Morgan Chase bank, in XXXX XXXX, California, has repeatedly denied me access to my funds deposited in my XXXX XXXX XXXX from Social Security SSI. I have not been able to pay my rent, etc. I am XXXX, elderly and XXXX, having recently left the hospital. I no longer drive, so a trip to the bank is a big deal for me. To be in line, then being served, asking for a cash advance, and having " denied '' announced in front of everyone is extremely embarrassing. This has happened repeatedly. The teller told me, the last time, that the problem will not be fixed until XX/XX/XXXX, she did n't know a date. I do n't know which bank to go to, where I can make a smooth, uncomplicated transaction. I had over {$1500.00} on my card, not being able to get funds last month either. The second problem is that XXXX XXXX XXXX XXXX no longer allows a card holder to speak to a representative, to tell them about a problem..
Product: Consumer Loan

In XXXX, XXXX, after just purchasing my home, I bought new furniture from XXXX Furniture through an installment plan, with a credit card financed by Wells Fargo Bank. The agreement was that if paid in full with a year, there would be no interest assessed. Unfortunately for me I lost my job in XXXX of XXXX with the only income coming from from my XXXX husband 's XXXX check. In spite of this, I have never not made my payment within 30 days. 

I was dismayed and outraged when I looked on my statement in XXXX XXXX to find that the {$4000.00} in payments i had made on this account was dissolved by the {$2500.00} in interest charges deducted from my account, now placing my account in a {$7300.00} deficit. Wells Fargo deducted in excess of {$1200.00} in XXXX and XXXX of XXXX as interest charges and when I called them to protest this, they berated me and told me if I paid {$5300.00} immediately they would waive the fee. I believe the interest charged on my account is usury, illegal and contemptible!! Wells Fargo is too big a bank to inflict such harsh charges on people struggling to make a life and pay their bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiries on my credit report that I did not authorize. 
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 XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

I feel that I may have become a victim of predatory lending from representatives of First Home Mortgage. I placed an offer on a home in XXXX of 2019. Although the loan was approved, I chose to rescind the offer on the home. I informed the lender, via a verbal telephone conversation, I did not want my loan over {$1800.00} per month and I required down payment assistance to put down and little cash possible. He assured me all would happen. My loan ended up being placed at one of the highest interest rates available and although I did not qualify for down payment assistance, I was never told until I questioned information that was being forwarded to me. They attempted to include a second mortgage in the form of down payment assistant and disguise it as a program. The final offer from the mortgage companies company consisted of a mortgage at a slightly lower interest rate, however they insisted on depleting my saving and attempted to have me move into a home with nothing. I filed bankruptcy over two years ago and did not want to put myself in a position to lose a home, possible go into deeper debt, ruined my credit and possible lose my job. One of the requirements of my employment is to stay in good financial standing. Although I submitted documentation supporting I could not afford the loan, the lender told me well before approval the underwriter planned to approve regardless. That they would look bad if they did not approve a loan for a XXXX women and I would have no choice but to refuse the loan and owe my realtor a 3 % commission and be sued by the home owner. I was being made to feel like I had no choice in the home purchase, refuse and be sued. The lender along with the realtor attempting to use the threat of a lawsuit to scare me into a home purchase. I was never provided a correct closing disclosure document although I requested it several times prior to the scheduled closing date. I am requesting assistants in reviewing how the loan was processed and if it should have been approved at all. The underwriter requested additional information, a budget and a statement on why I filed bankruptcy. I believe the lender used a part-time job I have worked for less than two years to qualify me. I am not confident they submitted documentation reflecting this. Please see the attached documents.
Product: Debt collection

This company PERSOLVE LEGAL GROUP is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

PERSOLVE LEGAL GROUP is now trying to collect {$16000.00} for a car that XXXX   XXXX sold at auction 5 years ago.XXXX XXXX  DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Those inquiries has not permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.
Product: Credit reporting or other personal consumer reports

XXXX denied my application for a credit line. They were given inaccurate information from a credit agency XXXX ) who violated my consumer rights 15 USC1681 ( a ) ( 1 ), in addition 15 USC 1681 ( b ). If reasonable efforts were made to VERIFY the Date of issuance of my social security number which was the identifying number that was used to link data to my credit report starting 1986 in NJ, it would have show I was only XXXX yes old at the time. Therfore making it illegal for me to have entered into ANY credit agencies report. I expect CIVIL FINANCIAL LIABILTY, for each VIOLATION, that occurred as decided by butt not limited to 15 US 1681 ( n ) ( a ) ( 1 ) ( A ), or the amended sections created by CFPB, to hold credit agencies responsible for such HEINOUS, RECKLESS, WILFUL, non compliant behavior, that has caused me GREAT FINANCIAL DISSPEAR, due to the fact, I have to deal with high interest rates on my current lines of credit
Product: Checking or savings account

I opened a new Business Checking Account in XX/XX/2021. I was promised a {$300.00} bonus for opening the account. I was told verbally by the person I opened the account with that to get the bonus I could do 5x ACH transactions. Now, after the date has passed, the bank is telling me that in fact only ACH credit transactions would count. They claim I was given a handout which indicates this, however, I received no such document. 

I want the bonus I was promised as I complied with the terms they told me in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY. 

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
BERLINWHR-KS XXXX Balance Owed : {$1800.00}
Product: Vehicle loan or lease

I bought a XXXX pre-owned XXXX XXXX from this dealership on XX/XX/XXXX. I traded in a XXXX XXXX XXXX XXXX XXXX with equity against the purchase. This was deal : XXXX. I took out a loan from GM Financial for {$18000.00} ( account # : XXXX ) to pay for the XXXX. I took it home and left the XXXX with the dealership. On XX/XX/XXXX we found out that XXXX XXXX XXXX was not going to accept the payoff from XXXX and give them the title to the XXXX. I notified my sales consultant, XXXX XXXX and his XXXX XXXX XXXX. They supposedly had gotten the ok from XXXX XXXX to do this deal, but either they never checked or were given incorrect information. So, I worked it out with XXXX to return the XXXX which I did on XX/XX/XXXX to the dealership and I took back possession of the XXXX. Sales XXXX, XXXX was present for the exchange of cars. XXXX and XXXX both told me that's all we had to do, the deal would be unwound, and, most importantly, XXXX would give GM Financial back their money, and my loan would be canceled. Today is XX/XX/XXXX and the loan is still in full effect, and the first {$310.00} payment is due on XX/XX/XXXX. I have had numerous calls and texts with XXXX who claims this will be fixed, and I won't have to pay on the loan of a car I don't have. But after 3 weeks of time and promises, and I still have the loan and the looming payment. GM Financial says they have no information from the dealership that this loan is to be canceled. I'm unable to get any further with the dealership, so that's why I'm making this complaint. There's no reason I can see or that they can explain to me as to why I can't be relieved of this loan. I just keep getting unfulfilled promises that it will be fixed, and now I'm just being ignored or given incorrect information.
Product: Money transfer, virtual currency, or money service

Hi Team On XX/XX/2021 I had sold my crypto  Asset GYEN at Coinbase crypto  currency Exchange the status of the transaction was Completed however the funds dint get remitted to USD wallet I made multiple such attempts which failed to remit the funds on to my Usd wallet or allow me to exchange with other crypto asset, my Account was frozen for weeks not allowing me to sell my GYEN crypto coins cash out and this is totally illegal to freez my asset when market was on XXXX XXXX. 

I Need compensation for freezing my Funds for weeks and depriving me from all the profits or opportunities in the Crypto Market for almost 3 weeks XXXX XX/XX/2021 to XXXX XX/XX/2021. 

Also the sell transaction made for XXXX usd needs to be remitted back to my usd wallet. 


Thanks XXXX XXXX
Product: Credit card

First Digital card ( synovous bank ) closed my account because i refused to send them bank statements showing I made payments with my card. The payments were made with my debit card in my name. So they sent me a letter closing my account. It showed up on my credit report as closed and then a few days later shows it was opened again without my consent.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have a checking account with VyStar and they have been making multiple unauthorized transactions. My parents do not currently have access to my checking account and we have contacted the bank multiple times to make it clear that none of their transactions are to come out this account. They keep making unauthorized car payments from my account, also doing this when my parents have already paid their car payment. This means they are taking out two payments a month, one of them from an unauthorized account which has no connection to the payment being made. This has been an on going issue and has happened repeatedly. We have made it clear that my account is not linked with theirs and they informed us it is not longer linked and shouldnt be an issue, but they keep taking out unauthorized payments from my account for a vehicle that is not mine nor under my name. They took out {$640.00} on XX/XX/year>. I also have a flight XX/XX/year> and now have no funds for my trip. This is leaving me in a very difficult situation and we have tried to resolve this issue multiple times over the last 2 years with no avail.
Product: Debt collection

I had negotiated a settlement with XXXX for a XXXX VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from Alltran Financial , LP. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with XXXX. I encouraged her to contact XXXX for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact XXXX. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by XXXX representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX - US DEPT. OF EDUCATION/XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A- 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Experian and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me XXXX  XXXX, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Product: Debt collection

I believe this company is owned by a property management company and abuse their power to extort money from previous tenants.