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

Spoke with two XXXX rep, also disputed with XXXX and Transunion and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.
Product: Debt collection

this is my 2nd attempt for MERCHANTS ADJUSTMENT SERVICE, INC, I sent my last letters on XX/XX/2021 for the alleged debts of XXXX, and XXXX that I do not owe.my first set of letters requesting the validity of the debts were on XX/XX/2021 and I never gotten a response from them which is a violation of 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. also violated 15 USC 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt, as well as 15 USC 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization because they usees the names of SOS GROUP and HEAD MERCANTILE CO I, which is not the original legal name
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  XXXX  in XXXX private client, XXXX XXXXXXXX XXXX and other banks. Since I have a lot of money in the banks, I receive high level of security from the banks. On XX/XX/year>, I received XXXX private client bank alert that states Capital One bank conducted hard inquiry in my credit and the credit cardloan application is pending. I called Capital One bank fraud department, they said they see Capital One bank Creditwise did hard inquiry in my credit but they can not see my name in their system because the application is still pending. I want to stop the pending application because I did not authorize it. I called XXXX, XXXX and XXXX to free my credit to stop further credit inquiry but I want to stop the pending application with Capital one and want to know who stole my identity. On XX/XX/year>, I called Capital One Credit Card Application department and shut down the pending credit card application. They said it was Capital One Savor Credit card that the criminal wanted to open. application # XXXX I went to loca police ( XXXX XXXX, New Jersey ) and reported fraud. Report # is XXXX Police XXXX 's name was XXXX ( XXXX # XXXX ) I told the police that Capital One wants law enforcement to call this number XXXX option XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section XXXX ( a ) ( XXXX ) ( XXXX ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank issued a VISA Credit Card through Best Buy to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep Citibank satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate removal of a fraudulent account and unauthorized credit inquiries appearing on my credit report. These items are the result of identity theft, and under federal law, they must be deleted within four ( 4 ) business days of receiving this letter. I have attached my FTC Identity Theft Report # XXXX as supporting evidence. 

Fraudulent Account Details Creditor Name : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX This account is fraudulent and was never authorized by me. At the time this account was allegedly opened, I was XXXX XXXX XXXX, legally incapable of entering into a credit agreement. This is a clear violation of my consumer rights, and this account must be removed immediately. 

I am also disputing the following unauthorized inquiries and addresses : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX of XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These inquiries and addresses were made without my consent and must be deleted immediately, as they are negatively impacting my credit profile. 
Per the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and remove fraudulent information from my credit report once I provide notice of identity theft, along with supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had all of my student loans consolidated in XX/XX/XXXX, but Fed Loan Serv keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Product: Debt collection

I am making a dispute against SYNCB/CARE CREDIT in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Mortgage

I previously sent a compliant to your department reference number : XXXX regarding OCWEN LOAN SERVICING LLC. After reviewing Ocwen 's response they are basically not forthcoming and appears to be involved in a very unethical situation which took place previously. Ocwen Loan apparently became the servicer for my residence at XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. After further research it was revealed this home was involved in several fraudulent loans, in which we were the victims of Identity Theft and Mortgage XXXX. I did notify Ocwen there were several loans on the property, however, we never signed any final documentation. The documentation we received from the closing attorneys was fraudulent. At this current time, Ocwen was given an unmanageable debt. We were unaware of this issue until we were alerted a realtor who pulled documentation regarding the property. In addition, it appears one of the attorneys was charged with embezzlement. WE OWN NOTHING AND WHERE DID OUR MONEY GO? We are taken legal action against all parties involved. we do feel it is in Ocwen 's best interest to initiate damage control before this hit the media. In addition, they responded to our denied modification which they TOTALLY LIED ABOUT, and they are constantly threatening to foreclose on a home was MAJOR FRAUD just to cover their XXXX! In addition, there are additional loans on this property from other mortgage companies. Ocwen stated they had our signature on file on the documents regarding the financing of this property. WE NEVER SIGNED ANY FORMS, THERE WERE NO NOTARIES AND NOT ATTORNIES. We were told to show up at XXXX and XXXX, XXXX XXXX XXXX, XXXX Georgia XXXX. The attorneys assistant was present. We inquired about the signing, we informed the process was complete and the attached forms was mailed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX  XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These same failures align with my experience with Equifax, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current.

My credit age now is 0 months and account balance is XXXX  also. 
I would like to ask to correct this information Thank you
Product: Checking or savings account

They are not allowing access by external applications such as XXXX XXXX so I can get a rebate
Product: Debt collection

Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.
Product: Credit reporting or other personal consumer reports

I want the negative account removed from my XXXX, XXXX, and Experian credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX, i purchased a XXXX XXXX from the XXXX, Fl dealership. I put {$10000.00} dollars down as my down payment. My sales contract had the following terms : 72 payments @ {$260.00} / mo. running from XX/XX/XXXX - XX/XX/XXXX with Santander Consumer Financing. {$12000.00} was financed for {$7100.00} interest over the 72 months for a total of {$19000.00} owed to Santander. We are in the 67th month of the 72 month loan and have already paid over {$10000.00} dollars in interest. That's {$3000.00} dollars more than the stated contract. They claim that there is still more interest to pay. We have paid {$13000.00} of the {$19000.00} loan. That leaves {$5200.00} owed on the loan. We have 5 payments of {$260.00} owed on the back end of the loan which would extend our payments to XXXX of XXXX. Santander Consumer claims we still owe {$10000.00} on the car. They have overcharged me on interest and not been applying my payments to the principal balance for years. This is fraud / theft. Every time i talk to a representative of the company, their statements contradict the prior representative i have talked to. I got dangerously ill in XXXX and XXXX and Santander worked with me on minimum payments to help me out. I do appreciate that. My payments were originally set up as being due on the XXXX of each month since i am XXXX and receive my monthly check on the XXXX of each month. They now claim my payments are due before i get paid and are charging me late fees for the last 3 years. They are threatening to repossess the car on the XXXX of this month ( XX/XX/XXXX ) if i do not pay the estimated {$10000.00} dollars by then. I want the overcharged interest ( currently over {$3000.00} dollars ) applied to the minimum payment months ( 18 ) and any outstanding payments owed on the back end of loan. 10 more payments owed this year and they are trying to steal my car from me after almost 6 years of steady payments.! 0 payments of {$260.00} = {$2600.00} owed on the loan, not {$10000.00}. Santander has been harassing us daily for about 2 years on the phone and has ruined my credit causing me to have to pay higher insurance rates. Santander has on my credit report that i did not pay the loan and i owe them just under {$10000.00} dollars. I want this removed immediately!! If they are trying to take my car back after almost paying off the loan, how many other people have they illegally scammed this way over the years. I suggest a thorough auditing review investigation by the government should be implemented immediately to put an end to these kind of " predatory '' business lending practices. You can not establish a plan and then not honor it with the consumer. By the way, Santander claims they did not receive my {$10000.00} dollar down payment. XXXX says they didn't get my {$10000.00} dollar down payment. Yet, it clearly shows the {$10000.00} dollars as the down payment on the loan / sales contract. Who is scamming who here?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

I traded in my truck for a new one and the dealership sent a check on XXXX XXXX 2023 to pay off my old truck credit acceptance marked my account as late on XX/XX/XXXX wich made my score drop significantly and I lost a mortgage over it I have proof the received the check from the dealership they refuse to fix the issue
Product: Money transfer, virtual currency, or money service

I downloaded the Coinbase app in XXXX and bought some xrp crypto. There wasn't any problems. In XXXX, I sold the crypto except for the Ethereum  and transferred the money back to our bank account. 
The trouble started in XXXX when I decided to buy more Ethereum and Litecoin, and bought a fraction of Bitcoin. I had over XXXX Litecoins and over XXXX Ethereum. One of the transactions was for {$7000.00}. I looked at my bank account and noticed a double charge of {$7000.00}. I tried using their automated customer service, to no avail -there is no way to contact them they have no customer service until it affects them, so I stopped payment on the second {$7000.00}. Late that evening, after I had already stopped payment, I received an email ( enclosed XXXX from Coinbase letting me know they were aware of the mistake, and would replace the {$7000.00}. I responded to the email, only to find out was a no-reply email. It was too late, so I ended up with an extra {$7000.00} in my account! I finally called Coinbase Support XXXX, which locked my account. That's when I got a call from a man named XXXX from Coinbase was assigned to my case XXXX XXXXXXXX. I guess Coinbase outsources to XXXX. I tried to explain what was going on. I called our bank to release the stop on {$7000.00}. I thought he was helping me he helped Coinbase to XXXX Litecoins and XXXX Ethereum - took account value from near {$30000.00} to approx. {$13000.00}. {$170000.00} taken for a {$7000.00} Coinbase error. ( Screenshots ) A few days later, he restored all of my crypto except for the XXXX Litecoins for the {$7000.00} that Coinbase had put " back '' in my account. ( Screenshot ) Then on XX/XX/XXXX, I received on email from coinbase telling me that I had initiated a buy of Etherium, and I owed them {$12000.00} ( I didn't initiate any buy and didn't owe any money ), and that they were going to do an automatic recovery on XX/XX/XXXX. I called XXXX at XXXX to find out what was going on- no answer - no call back. Coinbase had unlocked my account, but still had restrictions on the account where I couldn't transfer funds. I had tried to move funds back to my bank. My account was a sitting duck. I got an email on XX/XX/XXXX, telling me that the recovery was complete, so I opened my account to see that all of my Ethereum was gone -not {$12000.00}, but over {$20000.00}. After that I called the XXXX again and left a message and told him all of my Ethereum was taken out of my account and he was the only one who had access to my account. he called me back. He transferred what was left in my Coinbase account - {$6700.00} - back into my bank. He said he would check into the missing Ethereum, and call me back, and if course, he didn't. I can't even get into my account now, because I need a verification code, with no way to get one. Over {$20000.00} value at that time was taken and the Ethereum is worth more now. Thank you for looking into this. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX APPLICATION : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX 

WELLS FARGO IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.