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

Wells Fargo was not forthcoming on the timeline to repossess the vehicle. Ive been reassured that as long as I stayed in contact and made payments or scheduled ( promise to pay ) then they wouldnt repossess the vehicle. 
I believe There was a tracker placed on my truck XXXX evening as I was in the garage, door closed, and heard someone out front, there was a noise of sorts like a programmed key fob sound. I believe there was a tracking device placed on my truck in XXXX without my consent, ( is this legal? ). 

I have been in contact the last few months with wells Fargo about past due payments. I have made payments and they have reassured me that the repossession was not active. 
I talked with a Wells Fargo representative on XX/XX/XXXX, where I made a payment and was reassured that the vehicle was not going to be repossessed. 


In the am hours of XX/XX/XXXX, The vehicle was repossessed with no notice from them. I have personal belongings including an antique engagement ring in the vehicle. Today is a banking holiday. 

The late fees and interest theyve charged is suffocating. They are aware of my recent unemployment due to XXXX surgeries. I have not been able to perform my trade of XXXX  years, but have still kept in contact as well as made payments on what I could. All of my unemployment is going towards this auto loan. Wells Fargo is unwilling to have a payment arrangement, or help with payments. They told me I have XXXX deferments on the loan which would give me XXXX months time to catch up. But they denied the deferments? 
It aint right.
Product: Debt collection

I keep getting calls from Comenity Capital Bank and also Comenity Bank. I do not have an account with them. I sent each entity a cease and desist and they still call me! Message me etc. They need to be fined and penalized for harassing me. I am not even a customer. They are a messed up organization and do not follow the rules of law regarding a collector.
Product: Mortgage

1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

The Accounts and Amounts have been dismissed in XXXX County Superior Court ( Ga. ) on XXXX/XXXX/2015. I have documentation stating that fact, and it is available at XXXX Superior XXXXXXXX XXXX XXXX, Ga.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


all ftc errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and Transunion, XXXX, and XXXX  to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.
Product: Checking or savings account

In early XXXX, I experienced identity theft and fraud on a number of my consumer accounts. One account was with PenFed Credit Union. On XXXX a withdrawal from my account in the amount of {$2000.00} and on XX/XX/XXXX a withdrawal for the amount of {$1000.00} was made from my checking account from a merchant named XXXX XXXX. These withdrawals were unauthorized. 

I contacted PenFed to make a dispute and I was told the withdrawals were made by me to my XXXX XXXX account and the dispute was denied. I do not have a XXXX XXXX account and I believe this transaction is related to the identity theft I experienced in early XXXX, XXXX. When I try to dispute these items, I am told it is a matter for the fraud department. The fraud department refuses to take the claim and informs me I need to dispute this with the dispute department. The dispute department says it is a fraud claim, and I continue to be given the run around. 

I have a separate claim with XXXX XXXX informing them that an account was established in my name with their platform. However, they are telling me I need to dispute any withdrawals from my bank, not them. I am at a loss. PenFed is refusing to help me or give me any direction on this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to access my report on XX/XX/2022 but this company issued two reports anyways ( frozen reports )
Product: Money transfer, virtual currency, or money service

I was contacted by a scammer through the XXXX account of my friend, XXXX XXXX, which the scammer had gained access too. The scammer even posted a picture of XXXX  personal vehicle that I have seen before in person and familiar with, the day before they contacted me through his personal XXXX account. This made is very believable that the account was still operated by XXXX the intended owner of the account, but now it had been hacked already, but I was not aware. Basically the scammer messages me pretending to be him and then tells me about an investment that hes part of and asks me if Im interested. I worked with XXXX for multiple years at the same job before and he had always been a trustworthy friend so I took his word for us and messaged the account that he referred me to. Although it wasnt him having a conversation with me, it was a scammer that took control of his account coercing me and referring me to a different investment account with thousands of followers. This made it even more believable and the fact that the XXXX was page was filled with personally recorded videos of testimonies of people who apparently have invested money with the account before under the name of XXXX. Long story short the account convinced me to send a total of {$1300.00}, but I finally realized something was really wrong when they asked me to change the email registered to my own personal XXXX account, and on top of that they asked for another additional payment. And that is when I knew I was definitely scammed and I immediately called my bank, Chase, while the XXXX payment was still pending. This all happened on XX/XX/XXXX. I filed a claim with chase and they told me I would get a called back in 3business days and my {$1300.00} would be temporarily refunded to my account. But it turns out a little over a week later, I call the chase hotline number again and I had to find out on my own that my claim was denied. Chase never reached out to me regarding whether my claim was approved or denied, nor was my {$1300.00} refunded to my account. They told me on the phone today that my claim was denied and I would have to contact XXXX directly. I tried to file a claim through XXXX and they told me to handle the situation with chase. I am here filing a claim with consumer finance now because Im not sure how to resolve this situation. I was scammed and it is causing me a lot of financial stress. I fell victim to this scam because the scammer gained access to my frienda personal XXXX account, and that person is someone I worked with and trust a lot. It sucks the banking service that I use, Chase, and XXXX dont want to help me to get my money back when I even contacted them while the payment was still pending and told them to cancel the XXXX transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you.

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX 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

I have attached plenty of images that prove who I am what I do and my soc sec number is XXXX Coinbase.com for a few years havent given me access to my funds. I understand it from their point of view, being a financial institution in our country, they need to understand not only my Nevada DL WHICH matches all the info on my acct, my bday address and name. I also contacted XXXX who I used back when to wire funds to coinbase when I did and have statements from XXXX for every month that I wired coinbase. I emailed support@coinbase.com a month ago then two weeks ago and Im being ignored. Can you do your jobs your only job. To protect a consumer.
Product: Checking or savings account

I'm a college student at XXXX XXXX XXXX XXXX XXXX XXXX. I was 3 1/2/ hours away at school when this occurred XX/XX/20. Someone went to an ATM deposited a fictitious money order with 2 denominations {$5.00} & the other says {$500.00}. Supposedly, the subject got {$500.00} out of an ATM on XXXX XXXX in XXXX. There are usually cameras on the ATM machines, that would provide evidence that it was not me. The Chase Bank has debited my account refusing to reimburse my account and my direct deposit check was eaten up by this fraudulent issue. Please help!
Product: Credit reporting or other personal consumer reports

In the beginning of 2024, my XXXXXXXX XXXX XXXX was hacked and I encountered what they call them today of XXXX XXXX. There was an alternate XXXX on my very phone with access to my XXXX information and it absolutely ruined my life, my credit and my reputation. I am doing all means necessary to clear my name and abolish these horrendous marks on my credit report.
Product: Money transfer, virtual currency, or money service

PNC will not let me link my link to my XXXX app
Product: Prepaid card

Received a XXXX American Express Virtual Card in the amount of XXXX from my employer. 
Although the card claims to be valid everywhere that American Express is accepted, it is declined 99 % of the time. I have a Balance of {$300.00} I can not use anywhere. 
The customer service number only offers an IVR with no solution and no option to speak to a person for a resolution.
Product: Credit reporting or other personal consumer reports

Unauthorized additions on my credit report indicate potential fraud ; request swift removal.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

I am in process of applying mortgage through www.better.com and they asked me to sign a blanket form and told that they can not move the application until I sign the blanket form.

Please see the attached form XXXX XXXX XXXX XXXX XXXX This is the borrowers authorization form with a summary of this. Once I sign it means, that I have authorized them to access any of my data any time they want. Which could mean, they can check my credit report every day. 2. they could check my taxes every year 3. they could check my bank accounts 4. they have all rights, even after I close the account, because it is a blanket statement. In contrast to the above, I showed them XXXX and XXXX form, both of which have time limit, where it says they can access documents for 1 year or some agreed time limit between both the parties. While this better.com authorization form has NO time limit, NO mention of what documents they can access.

I tried to convince them so many times and they haven't even considered the request.

Thank you, XXXX XXXX
Product: Credit reporting

I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my right. 

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: Debt collection

XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.
Product: Credit reporting

I have received 2 letters ( attached ) from XXXX stating that they have notified Equifax to delete this. One is dated XXXX/XXXX/17 and the other, XXXX/XXXX/17 yet they have failed to delete this account as of today.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent Zelle payments and someone other than myself withdrew the money. I did not authorize these transfers and XXXX XXXX shows I did not receive the money and XXXX XXXX altered my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED TWO ACCOUNTS I DO NOT RECOGNIZE NOR DID I AUTHORIZE THESE ACCOUNTS. THE ACCOUNTS ARE ON ALL THREE OF MY CREDIT REPORTS..THIS IS FRAUD! 

XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX HAD A BREACH WHICH SEVERELY IMPACTED MY CREDIT. THESE ITEMS MUST BE REMOVED IMMEDIATELY!!!! 

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