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

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else 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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX : {$1400.00XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXXXXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX Balance : {$740.00} 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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has improperly reported a negative item on my credit report. Acct # XXXX is being improperly reported. I DO NOT OWE THIS DEBT. I sent them a certified letter which was signed on XX/XX/22 demanding that they validate the debt and investigate the debt and send me proof that this is my debt. They failed to do so I attached the letter that they mailed back to me which was their validation letter which showed me NO signed contract and no signature from me showing them an obligation to pay them. I sent the letter demanding validation as per the FCRA giving them the 30 day timeframe to validate the debt in which they failed to do so. Attached is correspondence between myself and XXXX XXXX about the erroneous account on my credit report in question. I WANT THE ACCOUNT DELETED. THE TIME FOR THEM TO UPDATE THEIR INACCURACIES HAS PAST.
Product: Credit reporting

i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION WAS LISTED ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVE
Product: Debt or credit management

On XX/XX/2019, I contacted XXXX, a debt management service firm to assist with helping me to consolidate and settle debt payments. XXXX XXXX  has financed me in the amount of {$23000.00} with an annual percentage rate of 24.50 % for a total of {$49000.00}. I have made attempts to log into the accounts that I have with CashCall and XXXX XXXX XXXX, only not to be able to access these accounts at all because of name changes, portals no longer existing, etc. I have not received any correspondence regarding these changes, and since XX/XX/2019, I have been making payments in the amount of {$580.00}. I can not contact these companies to try to figure out what is going on or even to try to renegotiate anything. I have no idea at this point where my money is going. 

In addition, I also enrolled my husband in XXXX the following year, and he has been making payments in the amount of $ 639 monthly. 

Without being able to contact these companies, our money is just going out to places we have no idea about, and I am fearful we will keep paying in perpetuity to organizations that no longer exist. Can you please help us to rectify this matter, and if necessary, can we find a way to no longer pay these companies, especially if they are fraudulent and are no longer around? We have no idea what happened, as we have not received any correspondence regarding changes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1100.00} XX/XX/18 XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX  {$7600.00} XX/XX/18 XXXX XXXX XXXX XXXX {$190.00} XX/XX/18 WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/ The application was denied for a CC application but I did not put that application in.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

On XX/XX/XXXX, I was in XXXXXXXX XXXX XXXXXXXX, XXXX, during the carnival season. While relaxing on the beach, I purchased a vape from a street vendor who was walking around selling them. After attempting to pay with my card, the vendor mentioned that his machine was not working properly and took my card to fix the issue with an associate. 
The vendor observed me entering my pin, and upon his return, he handed back my card along with the vape. However, I later received a notification from Capital One showing a charge of {$3800.00}, which included an additional {$29.00} charge from bar that mistakenly charged me twice for a drink. Despite my attempts to dispute the charges, Capital One declined my claim twice, citing inconsistencies in my story and the use of my pin during the transaction. 
As XXXX is my second language, there may have been translation issues that led to misunderstandings. I kindly request your assistance in resolving this matter and recovering the funds that were fraudulently taken by the street vendor, especially considering that items sold on the beach in XXXX do not cost such exorbitant amounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I deposited XXXX into a Wells Fargo savings account to a person who posted an ad stating they were renting out there property for a vacation rental. The person who created this account is a fraud/scammer and since the deposit the account has been closed or there are no funds available. I have filed a report with with Wells Fargo bank in XXXX CTwith XXXX XXXX and the Wells Fargo fraud Dept. I also filed with local police in the town where I reside. I have a case number also. I went to Wells Fargo in XXXX CT to report that I was scammed and I would like to get my money back from the branch I made the cash deposit to in XXXX, CT. Wells Fargo did not issue my cash deposit money back. I also have my receipt of that transaction.
Product: Debt collection

I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I had to pay in order to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. It took me three times and over 3 hours to freeze my credit, and for XXXX and Equifax I had to try multiple times for it to work. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Vehicle loan or lease

Was told by santander not to do anything until I received paperwork from the sale of the vehicle ( which to this day hasn't been received ). Now I find out from the bureau 's santander charged off the acct without giving me any opportunity whatsoever on the closed acct. Santander has also violated the Fla consumer credit protection laws ( statute 559.72 ) as they never sent anything to myself prior to engaging in their deceptive practice ( which they have been sued for in various class actions for deceptive lending practices )
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX 1909, 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 2. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX, Account # XXXX, 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 a account without my written instructions. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX I XX/XX/year>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 XXXXXX/XX/year>
Product: Credit card

I noted charges I did not authorize to merchant, XXXX XXXX. I contacted XXXX XXXX and was told to dispute through my credit card company. 

I called Ally Bank and was told I would receive a credit for the charges by XX/XX/XXXX. No credit has been applied and everytime I call Ally XXXX told a different story. The purchases are {$180.00} and two {$40.00} transactions. Ive also sent a certified letter to Ally disputing the charges per the Fair Credit Reporting Act. I received a letter from Ally stating the charges never posted to the account. I called Ally and was told the letter was an error. I was told that Ally submitted the dispute to the wrong department initially, told it was at the right department, tons of excuses. Im kept on hold for 30+ minutes during each call.

I contacted Ally multiple times since the XXXX when I noted the credit was not applied. Ive been told a different story everytime I called. Ive been promised a call by the supervisor and no call has been received.
Product: Prepaid card

CARD SETTLEMENT CFPB REACHED WITH THEM FOR {$380.00} XXXX, BECAUSE OF THEIR FREEZING OF ACCOUNTS, CONSUMERS UNEMPLOYMENT BENEFITS AND THEIR EMPLOYEES BEING GUILTY OF STEALING THOSE BENEFITS AND USING THEM FOR THEIR OWN PERSONAL GAINS, During Covid-19 Disaster relief during XXXX effective period was XXXX. 
This is a continuation of previous complaint # XXXX. I filed this complaint XX/XX/XXXX, Before The claim was approved or denied, I new they would not approve it. I had contacted customer service a couple of times to figure out what documents they were exactly talking about they could not answer the questions they were exhibiting the same fraudulent and shady business practices they did back in XXXX during this whole period that got them in hot water and they're still doing it nothing has changed. 
My total claim was {$24000.00}, it was denied just like 4 years ago, which is why I started to file another complaint with the consumer protection again because they're doing the same thing they haven't changed one bit, receiving {$770.00} 10 days later. I NEED YOUR HELP AGAIN I'M NOT HERE DON'T EVEN BELIEVE THEY HIRED THIS XXXX XXXX XXXX XXXX TO HELP ADMINISTRATE THE CLAIMS BECAUSE ALL CALLS ARE TAKEN BY US BANK PERSONNEL WHO WILL NOT GIVE YOU THEIR NAME OR THEIR EMPLOYEE NUMBER OR TRANSFER YOU TO A SUPERVISOR WITHOUT SITTING ON HOLD FOR 4 HOURS I'M JUST NOT GOING TO PLAY THESE GAMES ANYMORE I NEED THE MONEY THEY PROMISED ME THEY STOLE FROM ME AND I WOULD LOVE TO GET DAMAGES TOO BECAUSE IT REALLY IS SET ME BACK THE LAST 4 YEARS AS IF COVID DID NOT ALREADY DO ENOUGH. SOMEBODY NEEDS TO STOP THEM FROM THEIR FRAUDULENT ACTIVITY AND STEALING A FEDERAL BENEFITS TO INNOCENT CITIZENS THAT NEED IT, I AM AT CFPB BEGGING FOR YOUR HELP IN THIS MATTER FOR THIS HAS TO CHANGE. I'M SENDING A LOT OF DOCUMENTS SHOWING MY POINT IN CONTEXT IN THIS WHERE IT SHOWS SEVERAL TIMES OVER IN THE LETTERS THEY'RE DENYING ME THEY NEED THE PAPERWORK THERE ON XXXX THE XXXX THEN IT'S XXXX THE XXXX OF XXXX ANOTHER LETTER SAYS YOU'RE DENIED AND YOU'RE APPROVED THEN YOU'RE PARTIALLY APPROVED AND YOU'RE DENIED AND WE'RE JUST GOING TO GIVE YOU THIS NOT THAT THEY CAN'T EVEN FIGURE OUT WHO'S RUNNING THE SHOW OR WHAT THEY'RE DOING DAY BY DAY NOTHING MAKES ANY SENSE I SUBMITTED THE PAPERWORK ONLINE TO THE PORTAL AND BY US MAIL SO THEY GOT THREE SEPARATE CLAIMS FOR ME AND I SAID WE DIDN'T RECEIVE A SUPPORTING DOCUMENTATION WE NEEDED WHATEVER PLEASE HELP FIND THEM {$10000.00} FOR ME CUZ THIS IS ENOUGH. I AM SORRY TO BE USING ALL CAPS HERE BUT I AM BASICALLY SCREAMING OVER THE POST THAT I'M GIVING YOU. 
THANK YOU FOR YOUR PROMPT ATTENTION IN THIS MATTER, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX  XXXX is reporting information to Transunion and XXXX the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All 3 parties are working together to destroy the quality of life by reporting false and damaging information to my consumer report.
Product: Mortgage

For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you.
Product: Bank account or service

THERE ARE XXXX INQUIRES ON MY CREDIT REPORT AND SHOULD ONLY HAVE XXXX AND THEY HAVE FAILED TO SEND ME PROOF FORM THE INQUIRES
Product: Credit card or prepaid card

There is not an option for my specific scenario. My account wasn't closed however, the bank cancelled my debit card with out advising me first. I have a large amount of money in this account and upon attempting to get gas, found that my card was declined. I immediately called into my banking center and was told that my card had been cancelled ( supposedly BY ME, yet I NEVER called in with such a request ). 

I advised that I HAD never called in to cancel ANYTHING and needed access to my money ASAP. I was told there was nothing they could do because, A ) the department I need to speak with was closed and B ) they could 'reactivate ' my card and instead I'd have to be snail mailed another one. I was LIVID as that is the only card I have and use every day for everything from food to bills to gas. I was on the phone with the customer service agent for over an hour ( she kept putting me on hold ) and STILL she had no explanation as to WHY I wasn't given PROPER contact prior to my card being cancelled ( via someone from the bank ACTAULLY SPEAKING TO ME ) to advise that my card was going to be cancelled. Had they ACTUALLY SPOKEN TO SOMEONE I could have explained that it was a mistake on their end because I had NEVER called in and reported ANY fraud. After all the time on the phone she never gave me any resolution. Since my card was cancelled, I couldn't get gas for my car and was FURIOUS. She said she'd call me back first thing the next day with a solution. 

She NEVER called so I called the bank AGAIN and was told they could replace the card but it would 5-7 BUSINESS days. Mind you, this 'error ' happened on a Thursday meaning I was to have NO ACCESS TO MY MONEY for possibly 9 days since weekends are not 'business days '. I advised that I needed my card ASAP and was told they could expedite it to the address on file and someone would have to be there to sign for it. I then told them that I work full time and not home during the day therefore would not be there to sigh for it. I requested they send it to my work so I'd have access ASAP and they refused saying, it HAD to be the " address on file ''. They are essentially blocking me from my OWN MONEY. I have never had overdrafts on my account, I am a long time customer AND I have NEVER been in the red with my account, EVER. How is this possible that they are able to CANCEL my card WITHOUT MY AUTHORIZATION????? I have ZERO access to my money, the banking center is located in XXXX California and I now reside in XXXX California and they are doing NOTHING to assist me in getting access to MY MONEY ASAP. HOW is this legal??????????