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

My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX XXXX someone got my Coinbase account information and made many transactions overnight. I saw this the following morning and locked the account. 
Coinbase acknowledged the fraudulent activity. i '' ve had to change many email addresses and my cell #. 
coinbase will not give me access to my account. because my cell # has changed, and I cant do the 2 step identification process. 
when I locked the account my balance was much higher than what it should have been, due to the hacker moving money in and out. 
i've contacted Coinbase several times, and all that happens is a circle of emails that produce no result. They wont tell me what my balance is or any other info. It's next to impossible to deal with these people .... 
they either hang up on me, or respond with a person that speaks XXXX XXXX XXXX. ..half the time I cant understand them, they get disgusted with me and hang up. I need someone to get involved, as I'm not getting anywhere on my own and these people are to stubborn to deal with.
Product: Checking or savings account

I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX   used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.
Product: Bank account or service

My IRA was due in XXXX so I wanted to rollover the account to a different bank. I had another IRA due in XXXX so I suggested I put the IRA into a term to coincide with the XX/XX/XXXX IRA. I can have only one rollover for IRA a year. When they were due, ( XX/XX/XXXX IRA ) and XX/XX/XXXX ( grace period 10 days ), I suggested a transfer of one into the other to meet the one rollover a year Internal Revenue rule. They let me do that, but would not let me have the money since they said it was XXXX AND THE SYSTEM WOULD NOT LET IT GO THROUGH. I waited 2 hours to get that answer. I WAITED till XXXX XX/XX/XXXX, since the previous XXXX ( bank closed ) and XXXX the system would not go through ( they said ). When I went to the bank on XXXX, they said because it was a transfer of one IRA into another IRA I had to wait a period of 7 more day ( XX/XX/2017 ) or incur a penalty. I said because of the delay I would incur another penalty since the IRA ( due XX/XX/XXXX ) had transferred into the ( 13 month due XX/XX/XXXX ) instead of closing in the 10 day grace period because of their delay. They assure me they would waive the penalty, but I am not so sure. I am not so sure I will be getting my check for the total the coming XXXX ( XX/XX/2017 ) at all.
Product: Credit reporting or other personal consumer reports

I have never had a chargeoff account with XXXX XXXX XXXX XXXX ( Account # : XXXX ) & XXXX ( Account # : XXXX ) XXXXXXXX XXXX Account Number : XXXX.
Product: Credit card or prepaid card

Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay  the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I found out someone open a new checking account with US BANK under my name. I called the bank and let them know my purse was lost with my information. My check book and my device. Whoever took my purse used my credit card and my personal checks to open this account. US BANK sent me this affidavit like a month ago, and I sent it back with all the information was required to filled up. So far I have not received any information but they are reporting me to XXXX. I already file a complaint with XXXX as well. I reported this to the credit bureau about identifying theft and they help me to have fraud alert.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX, XXXX # XXXX
Product: Bank account or service

I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " Absolute Resolutions I, '' and it is reflecting as derogatory, which I believe is inaccurate and unverifiable.

The details of the disputed account are as follows : Creditor Name : Absolute Resolutions I am disputing this account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted.

Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by law.

Please send your findings to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called Experian to dispute frudulent inquiries that do not belong on my report and they refused to remove them. I will list the companes and dates for the inquiries that do not belong to me that are XXXX mt report. 
XXXX XXXX XXXX XXXX on XX/XX/2022, XXXX XXXXXXXX XXXX on XX/XX/2022, XXXX CARD on XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX on XX/XX/2022, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian has refuse to follow the FCRA AS SET FORTH IN THE GUIDELINES OF 15U.S.CODE1681 CONGRESSIONAL FINDINGS AND STATEMENTS BOTH HAS VIOLATIONOF 15U.S.CODE1681 UPON RECEIVING MY CREDIT REPORT BOTH AGENCIES HAS COMMITTED FRAUD BY PPLACING MISLEADING INFORMATION ON MY CREDIT REPORT. SECTION. 604 FCRA SECTION 623 OF THE FCRA THE INACCURATE INFORMATION HAS IMPACTED MY CREDIT REPORT.
Product: Debt collection

On XX/XX/2023 I found out that I had a debt from XXXX  for {$180.00} that was being collected by CCS Collections. When I called XXXX, they verified that I was not the person that owed the debt. I then called CCS Collections and they informed me that there was nothing that they could do to remove the debt and I had to prove my identity. It is not my responsibility to prove that they screwed up. This is preventing me from getting a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX  XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it from my credit report.
Product: Checking or savings account

I did a promotion for Citibank that stated i would get a {$400.00} bonus if i deposited {$15000.00} and left it there for 60 days. I then confirmed the promotion was on my account and i met all the requirements during a chat on XX/XX/2018. I was told that the bonus would arrive by XX/XX/2018. This did not happen. I then chatted with CitiBank on XX/XX/2018 and they also confirmed that the promotion was on my account and i met the requirements. They submitted for in investigation on why i didn't receive it. I then chatted with someone on XX/XX/2018 because i have not heard back from them. They informed me they are still looking in to it. I think Citibank is trying to get out of paying the bonus they promised. I would like for CFPB to look into this further.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and equifax is allowing these credit card lenders to submit payment status over and over within a month time. I dispute it and it's denied. You can only submit 1 time a month when I fail to make payments. My score has dropped XXXX plus due to this and the companies are sending the reports not at once but multiple times on multiple days to each bureau
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from Certegy. I want Certegy to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Product: Debt collection

I have tried multiple times to straighten out situation with XXXX XXXX XXXX and XXXX but investigation results continue to come back in accurate. Account is stating account status Closed with {$0.00} balance yet reporting payment status charge off with both XXXX XXXX and XXXX while XXXX reports account status indeterminate with perfect payment history all the way to XX/XX/2022 yet missing data on date of last payment this is not possible. Reporting inaccurate date last report it and date last active. there is no way account can be closed with no remaining balance reporting perfect payment history but yet reporting charge off. I do not agree with the results to this investigation.
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 XXXX  ; 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

i have not received any money from this company
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 



XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus XXXX, Experian, and XXXX. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX Experian undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called Experian to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 or other personal consumer reports

I had a XXXXXXXX XXXX account from XXXX to XXXX, which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX 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 a account without my written instructions.