23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My wallet was stolen on Saturday XX/XX/13. The theif had my ID and debit card and made an illegal withdrawl at my bank at XXXX hours. They went to a teller at Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The teller gave them XXXX XXXX  from my checking account. There were internal safeguards that were supposed to alert Chase Bank if someone took over XXXXXXXX XXXX out of an account. None of those notifications worked. Chances are, the theif looks nothing like me and they did not check the ID picture carefully. The signature did not match at all. How did the theif get my bank account number or pin? Was this an inside job from this branch or another one? I have gotten know answers so far. 
The bank is working on reimbursing me. Meanwhile, this has cost me time, money, and frustration. There is a police investigation that is going nowhere. Had Chase caught this, we could have caught the criminal and returned all my wallet. Also, Chase would not close my accounts for a day and a half becuase they did not have a photo-ID of me. This opened my accounts up to further fradulent withdrawls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a public record, Bankruptcy on my credit profile and that Equifax is obtaining that information from a third party data furnisher, XXXX. 

I contacted XXXX and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX Risk View Report. 

I then sent my XXXX report to Equifax but they continue to report this public record stating that XXXX is continuing to provide this data and will not remove it from my credit profile.
Product: Checking or savings account

For atleast one year XXXX dollar a week was taken from my account. I didn't. Paying no mind at first then I said to my self months later while doing a financial check on all my accounts i notice I couldn't trace who the {$7.00} dollars was going to I rea he'd out to them se eral times no response. Two weeks after that a {$300.00} dollar with draw happened once again nothing so I went to my other bank at the ti.e to see weather they could trace it because they was connected for when I want to put extra money on my cashapp card. They explained to me they have nothing to do with 3rd party XXXX XXXX or apps. So. No support at all
Product: Debt collection

Continued calling daily 4-5x 's even on Saturday & Sunday from 2 different numbers regarding a {$51.00} balance as early as XXXX, spoke with rep on a Sunday who stated agency has a right to call. I informed rep of the FDCPA the calls stopped for that day. The following week the calls came in every 3hrs.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request
verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Product: Credit reporting or other personal consumer reports

was recently informed of negative information reported by XXXX XXXXXXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX in XX/XX/XXXX. 
I am unaware of ever having a XXXX from this XXXX XXXX XXXX XXXX. 
Please validate this information with XXXX XXXXXXXX XXXX XXXX and provide me with copies of any documentation associated with this " XXXX '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not agreed to lease the car, I trade a XXXX paid in full to purchase a new car XXXX but after the next day the finance Agent stated that I have a low score car dealership ( without no prove of it ) and no bank qualified me for a loan therefore, I have to lease the car with their company such is Lexus/Toyota financial services. It's fraud, why? the car was pick up cross off the street in pre-owned XXXX XXXX at XXXX XXXX, XXXX Florida to damage me intentionally. And, i believe my score was great for paying two cars loan successfully with the same bank. Lexus financial service refused to charged Lexus for the car loan or refund me my expensive, Toyota wanted to be responsible of the loan. It's unfair because I have rights. Florida recognizes two separate theories of recovery for damage occurring as a result of misrepresentation. One basis of recovery is for intentional misrepresentation ( technically, fraud is intentional ) and the other is for negligent misrepresentation. In other words, under Florida law, a party may be liable for misrepresenting a material fact even if the misrepresentation was a mistake, instead of intentional. Florida also seems to recognize a legal theory for " false information negligently supplied for the guidance of others, '' although it is unclear whether it is a claim that is truly separate and distinct from negligent misrepresentation. 
Under Florida Lemon Law Statutes. F.S.A. 686115. agreement is void and under Federal Trade Commission XXXX Fraudulent misrepresentation, it is a violation for Defendant or Defendant financial institution to tried to collect money or cause Plaintiff more damages in the credit report agencies to stop further credit availability. That will be a shame
Product: Mortgage

I have been trying to refinance my mortgages with Freedom Mortgage. Both mortgages were transferred to them from XXXX XXXX in 2018. I have never missed a payment with XXXX XXXX or with Freedom Mortgage. In fact, I have been paying {$200.00} extra on Loan No. ending in XXXX and I have a good credit score. I wrote to XXXX XXXX, CEO, at Freedom Mortgage. He never answered. He just mailed me form letters that stated that I was an ineligible applicant. Did not state why. I sent you copies of my letters. You told me to file a complaint on your website. This was very discouraging. Freedom Mortgage refused to refinance my loans and after I complained to them they decided to sell my loans to XXXX XXXX.They sold my loans after months of charging me a high rate of interest. I really don't think that they are an honest company.
Product: Debt collection

transworld systems inc. 
is trying to collect a debt that is not mine, not owed and is inaccurate.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to Equifax or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802.

Specifically, I am opting out of the sharing of the following information : Credit Acceptance ( Account Number : XXXX ) Michigan First ( Account Number : XXXX )
Product: Vehicle loan or lease

Opened a loan with CapitalOne Auto in XX/XX/XXXX. Never received a statement from them for the loan. Called them in XX/XX/XXXX asking for statement. Paid balance over the phone and they waived late fees for XX/XX/XXXX and XX/XX/XXXX. Set up auto pay and pick paperless mail. late pay is showing up on credit report for both XX/XX/XXXX and XX/XX/XXXX. Reporting XX/XX/XXXX and XX/XX/XXXX. They are saying they have the correct address, but to date I have still never received a paper statement from them.
Product: Debt collection

I got an alert from the credit bureaus saying that a new collection account was added to my reports. I have never received any notification of an attempt to collect a debt from any creditor. I 'm very displeased at this companys lack of attempt to notify me of any alleged debt and instead just placing it on my credit reports. I ask that this company remove this alleged debt that has not been shown to be mine and for their improper collection practices
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I received a credit for {$32.00}, but XXXX cant find any information about the original purchase.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the cfpb stating that the credit reporting agency listed failed to provide information requested within the 30 day window allotted by law. They stated that I would receive a response to my request within 60 days of my request. The law states that the credit bureau has 30 days to provide this information so the credit bureau is already in violation of the law. Another waiting period is not acceptable and items are to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits
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 : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Product: Payday loan, title loan, or personal loan

Hi there. I would like to issue a complaint against OneMain Financial. I have been a customer with OneMain for 2 years and have always remained in good standing. I was unemployed for a short time, and contacted OneMain to inform them of my employment status and that I would be late on 2-3 payments as I had to wait for my assistance, but they would in turn receive their payments. Since, I have received 5-10 calls a day harassing me about when I can make payment. As someone who is literally having to claw their way out of debts related to the pandemic, this is quite disturbing. I have had to block multiple numbers that are attempts by OneMain to collect my debt when I am just late on my payments.
Product: Mortgage

I have been in Covid-19 approved forbearance since XX/XX/XXXX ; I extended my forbearance until XX/XX/XXXX, in XX/XX/XXXX. 

I went to the " portal '' on company website on XX/XX/XXXX to extend forbearance, but accidentally click the wrong button with regards to " YES ... ability to repay '' ; and this froze me out of extension. 

I called the server, SPS, and was told they can't re-set or assist, but to take my chances. 

My forbearance ends XX/XX/XXXX, and I need more time, like 60 days to bring current, but I can't reset the request.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXXType Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Product: Checking or savings account

Checked my balance the morning of XX/XX/2018. Showed an available balance of {$28000.00}. I walked into the branch located on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to conduct business and get a cashier 's check in the amount of {$14000.00}. The teller, with her supervisor named XXXX denied my transaction. Her grounds were that the money was processing into my account and she could not negotiate it. The money was available and i was actually able to withdraw {$13000.00} in cash from the teller- but they would not accept any more withdrawals from my account- even though the receipt i received from them showed a remaining AVAILABLE balance of {$15000.00}! I asked her for an additional {$1000.00} and the supervisor refused the transaction. I immediately walked over to the ATM inside the bank- withdrew the remaining {$1000.00} and asked to be served with a cashier 's check for the amount of {$14000.00} which i now held in cash in my hand. XXXX once again refused service on the grounds that she " knew what i was trying to do. '' The complaint is twofold : i was denied available cash from my account and i was denied a cashiers check with cash in my hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. XXXX  Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.