23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo customer service Calle me XX/XX/2022 to make a payment over the phone. I provided them with my routing number and account number to deduct the funds from my checking account. The payment was processed successfully and funds were taken out of my account. Two days later I received a call indicating I was past due. I explained that I made a payment over the phone but they showed no payment had been applied. They then transferred me to the lost payment department. They requested I print out a copy from my bank account and fax the information over to them. I sent over the fax XX/XX/2022 and received confirmation that the fax was successfully sent. I have called several times times to check and see if the misapplied payment had been credited to my account with no resolution. As of today XX/XX/2022 I am still getting phone calls of a delinquent nature. They have yet to adjust my account accordingly. Whatever you can do to help resolve this issue will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have One Main removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. One Main has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.
Product: Money transfer, virtual currency, or money service

In 2020 I opened Cash App accouht, and funded it from my XXXX XXXX XXXX..Somehow, when I went to login I found money was gone.Cash App didn't help me then.So I called bank reported my card as being compromised, and waited..The bank said after their investigation they couldn't prove fraud.I LET IT GO.. 
XXXX days ago I received a letter from Cash App, saying there was no activity on my account, for 4 years, it has XXXX, call them to claim it.. 
I CALLED.AND CALLED..I 'm getting nowhere. They basically are accusing me of lying.. 
I DONT RENEMBER THE EXACT XXXX NAME, I do remember phone number used..I called bank got last XXXX of card XXXX XXXX XXXX 
I have a name of someone I sent m9ney to in XXXX M8chigan from my account n t.. 
They are flat out calling b me a liar, saying because I can't remember everything, they can't help me.. 
It will go to my states Nevada unclaimed property, which I can get it then..but It's been XXXX years..I WANT MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Product: Vehicle loan or lease

A 3rd party company ( Westlake Portfolio Management ) has taken over my account from the company XXXX XXXX XXXX ) between XX/XX/XXXX & XX/XX/XXXX, however Westlake Portfolio refuses to send me proof of the contract I originally had with ( XXXX XXXX ) and also refuses to accept payments lower than the full amount of over XXXX dollars. My account has been charged off and the charged off letter specifically stated that the company would work with me. Every single time I contact the company attempting to make a payment that is less than the full amount, the company representative threatens to repossess my vehicle. My Vehicle was repossessed in XX/XX/XXXX and gave back to me without me making any payment, due to two representatives stating no payment was needed for me to go and get my vehicle. My vehicle has been repossessed once again. It was repossessed ( The End Of XXXX ) after I was told I didnt have to make any payments and I could receive my vehicle back, after repossessing my vehicle once again due to the company proclaiming to have made a mistake. This company ( Westlake Portfolio Financial ) refuses to take my payments and refuses to send me proof of my original loan contract, and also refuses to release my vehicle back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER:XXXX
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, TRANSUNION & EQUIFAX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, EQUIFAX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX. IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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

I am wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX  and XXXX  they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called XXXX  fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling XXXX  have a great day and hand up the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} ZXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance
Product: Credit reporting or other personal consumer reports

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX  of this fraudulent information. told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Product: Money transfer, virtual currency, or money service

My tenant is having trouble paying her rent do to loss of job. She has been paying me in money orders. It hasn't been a problem until today, I went to cash two money orders from her. I used the same store that she purchased them from. 

They cashed the first one, but the second one they denied. They gave me a number to call, and it appears they are denying me because of my credit file. What's weird about that is, the money order was purchase with cash. It's prepaid, and I have nearly perfect credit, with a credit score exceeding XXXX. 

What the heck is going on? I don't have a lot of knowledge of this company or cashing money orders, but it appears this company is a scam, unethical, unprofessional, or all three.
Product: Debt collection

Debt collector XXXX did n't verify collections no contract no signature.
Product: Checking or savings account

Step 1 : What is this complaint about? 
Bank of America has restricted my account XXXX during this serious covid - 19 pandemic alleging unusual activity on my account from XX/XX/2020 They are requiring me to contact them on a specified number to resolve the issue. Every time I call them during normal business hours on that specified number, the automatic machine states ther e's no one available to assist me and then terminate the call. I made two normal transactions, one at a food eatery and the other at a gas station, totaling less than {$50.00} collectively. Step 2 : What type of problem are you having? My account is restricted alleging unusual activity requiring me to call into Bank of America to resolve the issue. There is no one available at the number they've emailed me as well as listed in my online banking section to contact them at. As a result my account is remaining restricted and I do not have access to my funds or a true option to resolve the issue of their error. Step 3 : What happene d? 
I have reached out to them at XXXX to resolve the issue and no one is available to assist me. 

Step 4 : What company is this complaint about?

Bank of America Step 5 : Who are the people involved?

Myself and Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the car off and no money is owed. I have contacted one auto finance and their records show I owe nothing and have paid on time and in full.
Product: Credit card or prepaid card

The complaint contains multiple issues from what is advertised on the card overview, to the card fee schedule, to information provided by customer service. 

1- Customer Service stated that the card allowed 2 - Online transfers for free per month to a personal checking account, with a maximum of {$2500.00} per day. Attempting to make that transfer the maximum amount allowed was {$2000.00}. 

2- Fee Schedule ( Maximum ) website states the following, in contrast to the Fee Schedule and Cardholder Agreement on the same page : Maximum Daily Debits- 20 transactions and {$2000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$1500.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$1500.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month The Fee Schedule / Card Agreement states : Maximum Daily Debits- 20 transactions and {$6000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$4000.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$5000.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 are listed in the 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 items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2023 Inquiry Name : XXXX XXXX Open Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX  for a XXXX personal loan from my estate from my trust in my nameSocial Security trust and all my personal information is a trustBut however I received a letter that just said contact them and Transunion because they denied me access to my on credit stating I dont qualify for my own creditsBecause of my credit reportI told them that is discrimination which it is and they told me that its nothing they can do about it.

So Im so disgusted by this bank for telling me that I am not worthy of my own credit.

Federal reserve notes are not for me and its not back by anythingSo I am very disappointed in this company and they have broke oath and violated there fiduciary duty to my trust.

Truth in lending act Federal Reserve act Privacy act Banking act I will not be denied my own credit as a creditor I applied for this loan I have Security interests in the bank and will not allow DISCRIMINATION FROM THIS BANK How can they deny me my own credit The US is bankrupt XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX