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

Loan Start Date : XX/XX/XXXX Loan Term : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncident Date : XX/XX/XXXX Police Report Number : XXXX Impound Lot : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sale Date in Impound : XX/XX/XXXX Issue Summary I financed a XXXX XXXX XXXX through Capital One Auto Finance on XX/XX/XXXX, under a XXXX loan term. On XX/XX/XXXX, my vehicle was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by law enforcement. The police impounded the vehicle, and I immediately provided all supporting documents to Capital Ones XXXX XXXX Department, including : Police report ( Incident # XXXX ) Pictures of the burned vehicle Insurance records Official impound documents from XXXX XXXX XXXX Capital One then sent a representative to XXXX XXXX XXXX to retrieve the vehicle and assess whether it could be sold for parts or auctioned. They ultimately decided the car was too damaged to sell but never officially processed it as a total loss. 

On XX/XX/XXXX, my vehicle was sold from the impound lot without my knowledge, yet Capital One never informed me of this sale and continues to hold me financially responsible. 

XXXX XXXX XXXX XXXX I have made multiple calls to Capital One attempting to resolve this issue, but I have been repeatedly dismissed. 
On [ last call date ] at XXXX AM, I spoke with Agent ID : XXXX, who informed me that Agent ID : XXXX would no longer speak to me regarding my total loss claim, despite my case being documented multiple times. 
Capital One had full knowledge that my vehicle was XXXX XXXX XXXX XXXX  from impound on XX/XX/XXXX, yet they failed to take proper action on my account. 
I have provided all supporting documentation, yet Capital One has failed to acknowledge the total loss and continues to demand payment. 
Requested XXXX I am requesting that Capital One : Acknowledge that my vehicle was a total loss and stop holding me financially responsible. 
Provide a clear explanation as to why they failed to process my total loss claim despite having all required documentation. 
Confirm details of the impound sale and remove any outstanding balance on my loan. 
Investigate and address the mishandling of my case by their Total Loss Department and customer service representatives. 
I have attached all supporting documents, including : Police report ( Incident # XXXX ) Pictures of the burned vehicle Insurance records Impound records from XXXX XXXX XXXX Call logs with Capital One agents Proof of vehicle sale on XX/XX/XXXX I request a formal response and immediate resolution regarding Capital Ones failure to process my total loss claim and their continued financial demands despite the vehicle being XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving Credit Report Issues Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern.

Specifically, I would like to outline the issues I am experiencing : 1. Numerous unauthorized inquiries that I did not authorize.

2. Variations of my name that do not accurately reflect my legal name.

3. Outdated addresses that should no longer be associated with my credit report.

I believe that these errors may be contributing to a negative impact on my credit score and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries.

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies.

Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your guidance on how best to resolve these issues XX/XX/XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses Equifax None Match
Product: Money transfer, virtual currency, or money service

I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total amount of each venmo direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023, I called XXXX Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
XXXX bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : XXXX. We found that the transaction ( XXXX ) was processed. 
XXXX. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
XXXX. Contact us if you would like to request the information we used for our research. 

I contacted XXXX immediately to request a supervisor or manager to resolve this scam I was involved with.
Product: Credit card or prepaid card

I signed up for the Target  Red Card tha t is supposed to be a debit card. They sent a credit card. This is now a new credit product on our credit bureau that I do not want. Target is able to close the card, but not to remove it off our credit bureau. They also will not take away the commission that the Target associate received for fraudulently opening the card.
Product: Credit reporting or other personal consumer reports

I wrote to CapitalOne telling them that I did not apply to them yet they keep reporting to all bureaus and it's showing a hard inquiry resulting in lowering my credit score. They wrote back to me and I am very concerned because in the letter they place the burden on me. First they ask for my full social security number, why would I disclose that, they want all documentation that supports my claim that they sent wrong or incorrect information to the bureaus. A copy of the original letter I sent to them. The exact reason why they should remove the inquiry., the date of the inquiry, my complete name address and signature. They have already inconvenienced me with their false reporting and now they want me to do their investigation for them, If this is not resolved I am completely ready to take them to court and will win, but I would rather give them a chance to correct this without further burdening me with doing their job because of their mistake.
Product: Debt collection

on XX/XX/2017 our macy 's credit card was used fraudulently for the initial amount of XXXX the card/account profile continued be used fraudulently via identity theft until the debt reached XXXX and with interest and penalties it reached XXXX. 
A police report was filed on XX/XX/2017 with the XXXX XXXX sheriffs department. An arrest was made, the wallet recovered by them and communicated to us by the XXXX XXXX police department on XX/XX/2017. This was communicated to XXXXacy 's fraud department who has not expunged our record to this date. They through city bank played ping pong with us and sold the debt. I have communicated this to all the debt collectors only to have the debt resold and the issue never fixed.
Product: Credit reporting or other personal consumer reports

I need to inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authorization. I have contacted the respective companies, and they advised me to file the FTC affidavit. 

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

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely
Product: Credit reporting

Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


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 reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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  ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX USC XXXX, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX USC XXXX ( a ) ( XXXX ). 
According to XXXX USC XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX USC XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX USC XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX USC XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX USC XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XXXX XXXX reported a collection to my account that I do not own and when I contacted them about said collection they said they don't own the debt and that another company owns it. How are they able to report said collection to my account if they don't own it? This is a major violation of my rights and this needs to be removed from my credit report immediately
Product: Money transfer, virtual currency, or money service

Fraudulent charge on Paypal ; payment of {$56.00} taken from my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian today is XX/XX/XXXX Case # XXXX I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 
Also, when you responded to me with no explanation about the investigation results on the following dates XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 

Rule 9037 of the Federal Rules of Civil Procedure requires the redaction of specific personal identifiers ( i.e., social security and taxpayer identification numbers, names of minor children, dates of birth, and financial account numbers ), from any unsealed documents filed with the US Bankruptcy Court.

Please follow the rule 9037 or 11 U.S.C. 9037 - Privacy Protection for the US Bankruptcy court public records personal information.

After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be atta
ching my Social Security Card to verify my first and last name so please delete this bankruptcy.

I attached 8 supporting documents including my identification and the US postal service certified mail with the tracking number please check.
Product: Debt collection

Received a letter in the mail and a phone call saying I owed XXXX. Company name is Resurgent Capital Services. Phone call was last week. Letter was mailed out XXXX to me. Doesn't have a full account number on the letter. Says the original creditor was XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX. Date XXXX. Charge-off date XXXX. Amount XXXX. Acquired on or about XXXX. I have never had a credit card or bank account with them. This also doesn't show up on my credit report. So I think it a scam.
Product: Debt collection

This is about an old forgiven and settled mortgages originated in XX/XX/XXXX by XXXX XXXX  XXXX XXXX XXXX In XXXX Owned originated a 1st loan at 80 % and a 2nd loan at 10 %, we put 10 % on this purchase loan. 

XXXX was the first lender seeking federal protection at the very beginning of the market crash. All its assets were purchased by XXXX who in turn later, after going bankrupt, sold them to XXXX  XXXX XXXX. All three companies got bailed out by the government and got billions of dollars in tax breaks. 

In XXXX XXXX  XXXX XXXX, the owner of both loans, in accordance to the " National Settlement Act of the Obama administration '' worked out a Loan Modification on the 1st loan and eliminated/got credit by Federal program the 2nd lien in XXXX with us. 

We were told then by XXXX  XXXX XXXX representative that the 2nd lien was " taken cared of ''. 

Everything was fine until around XXXX when a company by the name of Reliance reached out " claiming ownership of the 2nd lien ''. After presenting evidence of above arrangements with original owner of both liens, XXXX  XXXX XXXX, Reliance proposed a {$3000.00} " settlement '' because a lawsuit may be " costly ''. After their " threatening '' position, we send them the documents requested by them but never heard back from them. 

Now, seven years later, a new company by the name of LCS Financial Services Corp, reached out my Bankruptcy attorney claiming ownership of same 2nd lien. I responded with above facts and evidence and requested a QUALIFIED WRITTEN REQUEST on XX/XX/XXXX. I called them today XX/XX/XXXX and left a message. 

My concern is that these collection companies technique is to delay the process because sooner or later they will collect with their bogus techniques, just like Reliance they have not even acknowledged my correspondence. 

The person I email this request at LCS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office : XXXX Direct : XXXX Fax : XXXX Email : XXXX Email : XXXX I would like your assistance to make sure they stop their collection efforts unless they bring the evidence of their claims in a timely manner according to Federal guidelines. 

Please call me at ( XXXX ) XXXX for further information. 

XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I Filed A Dispute With Chime., In The Amount Of XXXX XXXX Transactions. My Dispute Was denied XX/XX/XXXX I Went To XXXX In The Year Of XXXX! I Was Released From XXXX XXXXXXXX XX/XX/XXXX! I Then Continued To Live In A XXXX XXXX In XXXX Until XXXX XXXX They Day I Came Back To XXXX. I Then Remembered I Opened An Account With Chime To Receive My Stimulus Check On A Few Months Before I Went To XXXX. It Took Me A Few Months To Gain Access To My Account Due To New Email New Phone etc. So Dispute Denied I Then Reopened The Case ( Rebuttal ) The Same Day I Was Denied, And Was To Rest Assure That Chime Will Have A Final Resolution ON OR BEFORE XXXX XXXX!! Its Now XXXX XXXX and NO ONE AT CHIME CAN GIVE ME ANY INFORMATION AS TO WHY IM STILL WAITING!! I call EVERYDAY WAS EVEN PROMISED THAT A SUPERVISOR WAS Personally working my case! Theyve Been Escalating The Process To The Dispute Department To No Avail! I DEMAND AN ANSWER ALONG WITH MY MONEY I HAVE SENT IN A LETTER OF XXXX   ALONG WITH THE XXXX  ID FROM AXXXX WHICH ALSO SHOW THE DATE I WAS XXXX XXXX XXXX. The XXXX Letter Also Show When I Went In To XXXX  And Also When so Was Released. 
Ive Been Trying To Get My Money Back For MONTHS NOW! Ive filed with the XXXX AND Also Here To No Avail So Here I Go Again Pleas Help These People Are So Unprofessional.
Product: Bank account or service

Paid someone for services rendered by check. When the check was presented to my bank, Wells Fargo, they did not pay the amount written on the check. Then when I discussed with them, they informed me if it was below {$60.00}, they would do nothing & I would have to write another check to the person. On XX/XX/XXXX, I received a letter stating they would do nothing & I went into the message center on my online account & found that someone at Wells Fargo had put a stop payment on the difference in the amount they were supposed to pay. During a conversation today, they informed me they debited my account for the difference and sent it to the payee. They claim there is no documentation on who requested or did the stop pay -- I did not! They sent me letters & did things without my knowledge or consent.
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 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : XXXX XXXX XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXX ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and TransUnion. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation XXXX, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.