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

On XX/XX/2021 I Hack on my phone stolen and on my phone what is my virtual card they the person that went into my phone took everything from my bank account my checking account I noticed that my sons was getting low so I called Wells Fargo bank and talk them them about the fraud they then put a claimOn the fraud and they said I had 10 business days to see if I get my money back well 10 business days went past and Ally got half of my not even half of my money back and they said the rest of the debit card charges well I didnt have my card with me and my phone had my debit card numbers and all that on there so they denied me I called the bank and they told me that that it was final trip there was nothing I could do about it so Im reaching out to the consumer finance Because I do not know what to do please help
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. 

The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian on many times to verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. the following items should be investigated XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, please removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions.
Product: Credit card

I had a balance owe on my AMEX in XXXX XXXX. I paid the {$220.00} due through the phone. XXXX XXXX the statement came back saying I owed this amount plus late fees and interest. I told AMEX that I paid off the amount and sent them a copy of my bank statement with the withdrawal. AMEX stated this was not good enough. I called XXXX, my banker, and three way the call in so myself AMEX and XXXX rep was on the phone and this was not good enough to clear up the matter. When asked what would help to clear the matter the only thing AMEX keeps saying is to send the statement and have XXXX contact us. XXXX even sent a letter of confirming the issue. My credit is ruined and I can not find a place to live and I can not clear up this matter on my own. I contacted a lawyer and he stated I should contact the credit bureau first. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On our around XX/XX/2023 I was in discussions with multiple Toyota dealerships working on building and reserving a vehicle. After delivering all of the specs to the sales person, they asked for a credit card for the non-refundable downpayment of {$1000.00} and my social security number. I understood the deposit, it ensures that the person ordering the vehicle is serious about the transaction, even if it takes months, but I did not understand the requirement of my social security number. When I inquired, the sales agent informed my it was to run a credit check. I pushed back and told them that, first, this was not clear in the process and that they did not inform me of this requirement when requesting my social security number but more importantly, there was no credit transaction and, from what I can tell in FCRA, no permissible purpose for Toyota dealerships, through Toyota Financial Services ( TFS ), to obtain a consumer credit report due to reserving a vehicle.

Even if the Bureau where to conclude that this practice falls under permissible purpose as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) as a " business transaction '', I challenge the Bureau to review this as a potential unfair business practice. As the Bureau understands, when a hard inquiry is made to a consumer report, it negatively affects the score. What this practice does, which is unavoidable when a consumer is trying to find the vehicle that is the correct fit for them especially given the supply issues, is allow the finance company ( in this case TFS ) to make multiple hard inquiries on the same consumer. The first inquiry coming from the unnecessary first inquiry when reserving a vehicle and then the second will come after ( could be over 6 months ) for the ultimate financing of the vehicle. By having the second hard inquiry on the credit, there is significant chance that the consumer credit score will drop by double digit points allowing the finance company to charge a higher rate than the consumer may have paid if there was only one hard inquiry. This practice ultimately has a more negative affect to the consumer who is not in a position to be able to afford a higher rate. 
I understand that credit reporting agencies typically treat multiple hard inquiries from the same company as one but the practice is generally a 14-45 day period to allow a consumer to shop around. The wait for a vehicle extends beyond that grace period and harms the consumer ultimately trying to reserve a vehicle. 
This practice is harmful to consumers, not easily avoidable, and it is not clearly disclosed. Additionally, the consumer is already putting down a significant amount of money upfront which should alleviate the company 's concerns of a consumer walking away. Adding the requirement of pulling a consumer credit report is unnecessary and harmful.
Product: Credit reporting or other personal consumer reports

Portfolio recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account # XXXX Re : Dispute of Unauthorized Disclosure of Information Pursuant to 15 U.S.C. 1692 ( c ) To Whom It May Concern, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate. Please delete from all credit agencies.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018. 

I was contacted by XXXX. XXXX XXXX XXXX initially verified my birthday. But I told him I can't verify his contact and calling. He told me the amount to be paid for credit card is {$330.00} for past due by today and {$1300.00} for entirely clear the payment to activate the account. Otherwise, the card will be closed and won't be available anymore. The card can't be used for a while already. It has already been stopped. He said I can't login to the website but I can provide him with my debit card number by phone to pay him. I am suspicious about giving him my debit card number that he should have known that already. At first, XXXX told me the online banking account will be closed without any entrance to the bank account. Later, he said I can either pay by phone with debit card or still login to use the debit account. I don't know how the payment can be made in the future if the debit account or online banking login is blocked or closed. It's not very consistent. His phone number is unknown from the calling list. This is my first experience on this and don't know how to verify his identity by looking at the phone number. I did have two late payment and the card is not available for a while.
Product: Checking or savings account

Bank Name Sofi Bank Contact number XXXX ( XXXX ) XXXX Issue two disputes Dispute number XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$4900.00} Disputed Amount : {$4900.00} Claim Date : XX/XX/XXXX Dispute # XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$330.00} Disputed Amount : {$330.00} Claim Date : XX/XX/XXXX I have been thru it with Sofi bank I was sold a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX XXXX purchased the car look like it had some shock issues and the guy that sold me the car assured me it would be fixed as I waited so to make long story short on XX/XX/XXXX not even a full 30 days I was driving in the freeway at XXXX mph  the shocks fell and the car fell to the freeway floor I was almost hit by a huge truck I then contact XXXXXXXX XXXX  and had the vehicle towed to XXXX per XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas the shocks are not good they were patched up and to sale the vehicle I contacted the owner towed the car back in to his lot and told him I wasnt interested in the vehicle and I had contacted my bank for a refund now I have turn in everything Sofi bank requested from me receipt of purchase and all information I have Ive returned the car to owner but still havent had any luck with the dispute Sofi back office is no help as Ive been told its no way to speak with them also I have tried to call them multiple times for information on my disputes and after looking up my disputes I immediately receive rejection from the bank like they have been paid to work for the sale man or something they beginning to stutter over words tell me that that cant see anything in the system laugh disrespectful in my ear per sale man the money was taking by Sofi bank from his account on XX/XX/XXXX I have yet for it to post to my account I under stand the whole 190 day ordeal but if the money has already been recouped from the sales man why havent I received it and its been two weeks an just receiving disrespect from bank by phone very frustrating please feel free to contact me anytime I want to file a complaint on this bank immediately XXXX XXXX XXXX Phone XXXX As of today XX/XX/XXXX no note no actions have been taking no new notes have been added my large dispute has been sitting on someone desk just collecting dust per Sofi bank
Product: Credit reporting

I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX
Product: Debt collection

I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.
Product: Vehicle loan or lease

I bought the car in XX/XX/2021 and I did not receive the title of the car. The car was taken for maintenance on XXXX which meant there were issues with this used car. I could not connect XXXX via my phone. I sold the car back to the dealer in XXXX but they asked me to pay for {$11000.00} difference. They took advantage of me
Product: Debt collection

i sent allen and association a debt validation on XX/XX/2016, i never received docs in regards to this account they say i owe, they are violation of fcra and fdcpa i want this deleted from my XXXX credit file
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

many XXXX student loan accounts are reporting under my name, these are not mine, these were opened with out my knowledge and reporting under equifax only, they are not helpful even thought i have provided them my police report which shos that i had been a victim of ID theft, but still no answer they are not disputing properly and they are saying it was verified in two days, how is this possible., please i need you help as a consumer to have these inaccuracies removed from the equifax credit reporting agency . 
thank you
Product: Money transfer, virtual currency, or money service

I have been using rental sites to find an apartment. We are moving from XXXX to XXXX XXXX. I inquired about an apartment on XXXX and was emailed by an agent named XXXX XXXX on XX/XX/XXXX. He said he was a private renter and sent us the information on the apartment we were interested. After sending all the necessary information/docs we were told we were approved and to send a deposit of {$1700.00} to ensure wed have the apartment. We were sent contracts and agreement forms that were equally signed. After sending the deposit and receiving a receipt on XX/XX/XXXX, XXXX then asked us for more money, before actually getting the apartment or keys. He said the landlord wanted all the funds, when that was not in the original email or contract signed. When we said we wouldnt send more he said he would cancel the arrangement and send the money back. He said it would take up to 7 business after completing a dispute form to process the return. After 5 business days I tried contacting XXXX again on XX/XX/XXXX, but it now says his phone is unavailable. The listing has also been removed from XXXX. I have reported this to XXXX and the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXX XXXX XXXX XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. Comenity bank has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Product: Checking or savings account

Hi in 2015 I opened a cd with XXXXXXXX XXXX XXXX 5yr term at 1.95 APY 2.0 the bank changed hands it is now m & t there interest rate is1.95 APY is 1.97 the manager and teller said the forumular is the same.When m & t bank toke over XXXX XXXX then said they would honnor the cd from XXXX city.HELP
Product: Credit reporting or other personal consumer reports

My consumer report is showing addresses and names that are incorrect. I have attached supporting documentation so my personal information can be updated immediately. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, P.A, XXXX. This is the only personal information that should be reporting on all three credit agencies.
Product: Mortgage

Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and this information need to be removed. I ask don't turn my dispute into a third-party dispute under section 605 b this should be removed within 4 days. I've still been waiting for this to be deleted. I dont need theft to fix my whole credit.
Product: Checking or savings account

In XX/XX/2020 I received a receipt in the mail which stated something about a transaction for {$4300.00} was made with my name and address listed to and account that was created without my transaction. I called the bank immediately requesting the account to be closed also that the account was the enactment of identity fraud. I was recommended to filing a police report with XXXX Police department in which I was unsuccessful. i called the office explaining their website would not except the date of event I was try to enter for the date of which I was contacted by mail of the transaction. This attempted act to report the event took place the duration of the time I waited for the affidavit in the mail. The forms never arrived so I went to the main XXXX XXXX location for XXXX XXXX XXXX XXXX to pick up and also return the affidavit the following day due to the request of information I didn't have available during my visit. I assumed that with the affidavit turned in I'd be ok. I even called the the irs to report the event as well ( having very little to no knowledge of knowing who to report to ). The representative attempted to pitch me identity theft protection which I did and still do not have the funds to uphold another money payment as I am a new homeowner trying to survive the impact of covid-19. However I while working for a telemarketing company years ago I'd come to believe that  Identity theft protection was a scam in itself. I just wanted to file my complaint of identity theft. I'm still unclear as to if the call I made was report I never received confirmation to my recollection. Just last week some time I received another letter from a new bank account also opened without my transaction which is also an enactment of identity theft. I called that bank and repeated the same process also I didn't file and affidavit bc there was no other transaction on the account other than it being open online. someone is using my social security number, my home address and other unknown information to commit fraudulently crimes under my identity. I received a notification this week from XX/XX/XXXX that the {$4300.00} transaction has been added to my account. I must have misunderstood the entire purpose of the affidavit. i don't know who to talk to or what to do so I called Missouris Attorney General and requested helped on the identity fraud. the let has arrived today and I am filing it out and having the paper mailed out immediately. I have no other issues outside of that of what I have mentioned above. Please help me if you can. I only filled out this complaint because it asked if I have done so in my papers obtained for Missouri General Attorney. I have no idea what I'm doing.