23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX am a victim of Identity theft. On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes regarding all fraudulent bank accounts listed on my Early Warning file. I am a trust beneficiary and family has had trust for me since i was born and i never needed a bank account. Today, on XX/XX/XXXX, I received an email response from XXXX XXXX  stating that XXXX XXXX XXXX reported the information as " accurate and complete '' I require you XXXX XXXX to provide all documentation related to your investigation, XXXX. ) include interview records. XXXX ) All communications with XXXX XXXX XXXX  XXXX ) Also I need to know the name of the woman or man who verified the account as accurate? All this information need to provided to me for all bank listed in my file. All documentary material from your investigating need to be an notarized affidavit from the man or woman who verifying these accounts under penalty and perjury. XXXX XXXX you have XXXX  days XXXX. If the name and documentary information I am requesting is not furnished to me it proves that no man or woman has verified these fraudulently bank accounts and thus must be deleted from my report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX/Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIESXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX I have disputed these accounts multip

le in an attempt to get them investigated or deleted . They have violated my rights numerous times. A

ccording to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. 
They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have also submitted a supporting document stating that the bankruptcy court do not report to the reporting agencies.
Product: Checking or savings account

I filed a complaint against XXXX XXXX XXXX for {$290.00} and {$89.00} because they charged me for work not rendered. Of course, due to other issues I am having with NFCU surrounding overdrafts and overdraft fees, Non-sufficient funds and associated fees, Late or other fees and Bounced checks or returned payments - NFCU of course, sided with the merchant ; stating that 'no error occurred ' and reversed the credit applied to my debt card resulting in more fees. 

XXXX XXXX, Senior Investigator with the DMV 's Compliance Enforcement Division ( CED ) can confirm that Quality Auto Services charged me for services not rendered. XXXX XXXX visited XXXX XXXX XXXX and obtained copies of invoices : XXXX and XXXX and told me to take my vehicle back over to XXXX XXXX XXXX to have them put in Spark Plus and Ignition coils that were not put in there before. 

NFCU claims there was no error however the decision was implicit bias and retaliatory - NFCU did not carry out any investigation to come to that conclusion. If NFCU would have actually investigated the matter they would have concluded that I was charged for services not rendered. On XX/XX/2022, I was given invoice XXXX which showed XXXX XXXX XXXX fixing the misdemeanor error ; after the DMV investigated and concluded they charged me for services not rendered and needed to actually fix my vehicle.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$5800.00} XXXX XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$410.00} 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
Product: Vehicle loan or lease

I am writing to report a case of identity theft related to the repossession of my vehicle. My vehicle ( XXXX : XXXX ) was repossessed by XXXX XXXX Debt Collection in XXXX XXXX, Illinois, on XX/XX/2024, at XXXX XXXX This agency, with which I have no written agreement, fraudulently obtained my personal nonpublic information without my consent, violating my consumer rights under the Gramm-Leach-Bliley Act ( GLBA ). 

They also failed to provide full discloser, and right to resend, also put me in a contract with a third party and charged me with a downpayment with the finance charge. 

I request the immediate release of my vehicle, a review of my XXXX insurance coverage to ensure the loan is paid in full, reimbursement for any related expenses, and a written confirmation that my credit report will not reflect this incident. 

I seek your assistance in addressing this matter urgently and ensuring the enforcement of my legal rights.
Product: Mortgage

NationStar Mortgage continues to apply unnecessary inspection fees to my account, NationStar claims that these are inspections to make sure the home is occupied. I have maintained constant communication with NationStar and continue to advise NationStar that my home is occupied, so NationStar well knows that I continue live in my property. These frequent inspections consist of a door tag with NationStar 's contact number. Additionally NationStar has applied additional home inspection fees of {$640.00} and legal fees of {$2000.00} to my account with out justification. NationStar continues to violate California 's Home Owners Bill of Rights by adding unexplained fees to my Veterans Affairs mortgage loan.
Product: Money transfer, virtual currency, or money service

On XXXX 3 transactions were made on my bank account with the banking app current. In total it took about {$600.00} my entire check. I contacted the support Email they have ( there is no XXXX number ) and they approved XXXX of the transactions to be approved XXXX for {$50.00} and XXXX for {$14.00} but the remaining {$540.00} was not approved. I live in Michigan and the purchases were made in South Carolina. I continued to email them and they kept telling me the largest amount was not fraud when I know i didnt spend that money while sitting on my couch. After month of fighting them I eventually gave up, however I continued to get emails for about a year saying they reactivated my account per my request when I hadnt reactivated it. I told them to deactivate it after everytime it was reactivated. Its been 4 years and I still havent received my hard earned money back.
Product: Debt collection

This complaint is being filed because I am concerned that I have been made victim of misrepresentation and that this company has taken my money ( because I authorized it ) and they have been very uncooperative in helping me find a resolution. I first started feeling this way because I was preparing for my records some 'Paid in Full ' statements from companies that I had become delinquent with. I had called one of the companies that I was trying to request said information and they informed me that I still owed money to the company and that my account was in fact not resolved. I recalled my financial records and it stated that I paid a lump sum of {$510.00} and remembered the call that I had received from this company. The call itself was left as a voicemail and the gentlemen on the phone said that he would be sending me a court summons if I didnt call to resolve this matter before a certain date. In a panic and being scared I called back instantly and tried to get this matter resolved. The same voice that left the voicemail answered and read me a line of information and then connected me with another man that took my debit card information and I set up a payment plan to try to resolve the delinquency that I had been in. Flashing forward to when I tried to get the documentation that stated I was paid in full the company told me that I had not paid anything. I then called 'Clear Credit Solutions ' and I was forwarded to a man who said he was in his car and was not at 'the office ' and he would call me back once he was. The gentlemen didnt return my call nor did he take my phone number for a " return call. '' I waited a few hours and called again, got a voicemail, left a message with my name and phone number to be called back. A few hours back I received a call from a gentlemen stating that he was forwarded my phone call to talk to me about the charges. I asked the gentlemen if he could tell me what the account was that I had paid of and he stated that he did not have that information but he had " an account number '' but no account information. When I asked if he could send me a receipt for my charges, the gentlemen sent me a word document that had seemingly just been typed up and for an amount that was incorrect, though I paid {$510.00} ( as per my bank statements ) the receipt was for {$510.00} I am not pleased with the service that I have gotten, I am not pleased with the fact that my money was taken because I was threatened into giving my money to this company and I am not pleased that there is " no access to my account information '' so that I have no idea what I paid for.
Product: Credit card

Subject : Urgent Request for Assistance with Unauthorized Car Rental Charges Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding unauthorized charges related to a recent car rental. Below are the details of the transaction and the issues I am facing : Rental Details : Rental Company : XXXXXXXX XXXX XXXX  Pick-Up Location : XXXX, XXXX Pick-Up Date & Time : XX/XX/year>, at XXXX XXXX  Drop-Off Location : XXXX XXXX Drop-Off Date & Time : XX/XX/year>, at XXXX XXXX  Issues : Delay and Missing Receipt : Upon returning the vehicle, I waited outside in the parking lot for 30 minutes before an agent arrived. The agent then took an additional 20 minutes to inspect the car while on the phone and consulting with a colleague. Despite being assured that a receipt would be mailed to me, I have not received it. 

Charge Discrepancies XXXX XXXX  Charge : {$65.00}. I returned the car with a full tank and have a receipt from a nearby gas station to confirm this. 
XXXX XXXX XXXX : XXXX XXXX. I rented the car for 5 days but was charged for 6 days. ( The car was picked up on XX/XX/XXXX at XXXX XXXX, not XXXX XXXX, and dropped off on XX/XX/XXXX at XXXX XXXX. ) XXXX XXXX XXXX : The premium package I purchased was intended to cover collision and theft only, not roadside assistance and windshield protection. 
XXXX XXXX  : XXXX euros. 
XXXX and Windshield Protection : XXXX euros, plus applicable taxes in XXXX. 

Total Disputed Amount : {$200.00} Despite my attempts to resolve these issues directly with the rental company and my bank, the matter remains unresolved. I am requesting your intervention to address these fraudulent charges and help me obtain a refund. 

Please note that I had previously closed my account with Discover Card due to insufficient protection against fraudulent charges. 

Kindly let me know if you require any additional information or documentation. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to file a complaint against Bank of America for their failure to remedy an action that was outside my control and fraudulent in nature. On the date noted, Bank of America ran a hard check of my credit without my approval to process an application for credit. The credit requested is believed to be for a credit card, which was obviously not me, because I already have a Bank Of America credit card. Hypothetically, if I was interested in additional credit with BofA, I would have requested an increased limit on my current credit card with BofA, not filled out an application for another credit card with the same bank. In addition, this request was not made by me based on the fact that my home network was hacked and illegally accessed. I have attached documentation to prove this occurrence is valid both past and present. My documentation includes a notice received from XXXX XXXX XXXX Cybersecurity Department validating my network, computer, mobile devices, and email accounts were accessed and used fraudulently by an unknown third party, but currently understood to be employees of XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. These companies are the only ones having keys to my network 's main switch room. My understanding of this is based on information reported to me by the then buildings custodian, who monitors daily access to the switch room. I have also attached screen prints from my XXXX XXXX app that showed repeated unknown devices and laptop computers accessing my secured network, where I alone am the only person that should have access and monitor security issues constantly. The information regarding unknown devices is also credible as it is provided by XXXX XXXX XXXX XXXX XXXX, alleged to be the most secure personal and small business network provider in the market. Lastly, I will submit a police report documenting my network being illegally compromised, but unfortunately, this is subject to ones ability to make the XXXX XXXX police department record my report as no physical assets were stolen or property damage occurred, regardless of this event having a very concerning effect on my overall credit report and credit worthiness to future lenders. If you have any questions or require any additional information, please advise and be happy to assist.
Product: Vehicle loan or lease

Credit Acceptance has violated my federally protected rights under the FDCPA. They sent another 3rd party debt collector to repossess my car even though the application at the dealership was a completely binding contract that Credit Acceptance wasnt included in. Credit Acceptance agents/employees used deceptive means to say I owed an alleged debt violating 15 U.S.C 1692e specifically. They are also using my consumer report with Extortionate means violating 18 U.S.C. 894 to coerce and swindle me into paying an alleged debt on an extension of credit and assume criminally liable and be fined up to 20 years in jail.

Credit Acceptance violated the false claims Act by stating I owe them when my SSN belongs to the SSA ( Social Security Administration ) which is a Obligation of the United States. You are now on Notice to Cease and desist Communications from me from all mediums INCLUDING my consumer report. Failure to Comply will result in Legal Matters For Damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX corrected the information to report properly ... XXXX and Equifax now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both XXXX and Equifax make obtaining Report OnLine impossible. 
XXXX  asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And Equifax was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.
Product: Credit reporting or other personal consumer reports

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Debt collection

Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYCAPITAL/CHLD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.