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

It has been a month that we have been trying to get in touch with someone who has the authority to accept a settlement for the vehicle. My dad passed away on XX/XX/year>, and my daughter was his XXXX. He was XXXX XXXX XXXX. She has XXXX XXXX XXXX XXXX XXXX. She is a single mom. I called and have spent hours on the phone, sent several letters. They will not send me over to someone with some type of authority to accept the settlement. They do not call back or email back. Very unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
On XX/XX/XXXX, Equifax released the information about the security breach involving over 143 million Americans, including myself. The fact that now my ssn, birthdate, and other sensitive information was compromised is appalling. Now, I have to worry about my identity being stolen because I am applying for mortgages. Steps have to be taken to remedy this and I am deeply angered that the security is so XXXX that all of our information is compromised. I do not pay taxes to worry about this kind of thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$170.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXXXXXX XXXX  XXXX {$100.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has butchered my credit report with negative information on a loan that never was disbursed to me credit never received and closure of account still being reported as opened. Fraudulent account has been opened in my name as one account was closed another reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently said I adjusted the settings for my notifications. That is a blatant lie. I never adjusted the settings. I attempted to set up auto pay in XXXX, and they adjusted the settings for whatever reason. They are XXXX XXXX lying if they say I adjusted the settings. The fact is that they adjusted the settings when I attempted to set up auto pay, and then failed to tell me that the auto pay was not put in place properly. Only after receiving a late payment notice did I realize auto pay was not set up properly. I never received any notification that there was a problem. Proof of their mistake is I set up auto pay again in XXXX after making the late payment they caused, and I still have yet to receive an email that I set auto pay. 

They changed my settings, and failed to notify me of the changes.
Product: Mortgage

Wells Fargo currently has an auction date assign to my home. My wife and I are currently in a Chapter XXXX bankruptcy. Wells Fargo refuses to respond or work with my attorney and wants to proceed with the auction date. On XX/XX/2018 I contacted Wells Fargo about doing a home modification and they informed me that I was eligible for home modification. They asked us to send in our last two pay stub, last year 's tax returns, and Wells Fargo 's assistant application downloaded from their website. On XX/XX/2018 my wife called Wells Fargo to ensure they received our paperwork. She was informed that they did receive our paperwork and just needed our XXXXs. My wife fax those over same day. I called Wells Fargo on XX/XX/2018 and I find out that they have canceled our home modification because all the paperwork is blurry and could not be read. I explained that they did inform my wife that they had received the paperwork on XX/XX/XXXX. They told me that they had received the paperwork but that person did not look at it. We have sent that paperwork five times and each time they say they can not read it. They have no email address for this process. The way I am faxing these documents is through XXXX fax so there is no fax machine involved. I have attached the same documents that I had sent him to this complaint and you can see the documents are very clear. I believe Wells Fargo is playing these tactics to keep my house with a auction date so they can proceed to sell my house. I am not upside down in the value of my home and can sell for a profit. I proceeded with a Chapter XXXX so that my wife and I could stay in the house. However Wells Fargo has done everything in their power to not make that possible. Please obtain the conversations that have been recorded and you will see the malicious behavior on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am communicating with XXXX XXXX XXXX for the delinquent reporting on my consumer report. I have disputes with TRANSUNION, XXXX and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with TRANSUNION AND XXXX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

TRANSUNION ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because TRANSUNION, XXXX and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute letter regarding the incorrect bankruptcy information on my credit report. I have not received a response from your department within the required 30-day period as stipulated by the Fair Credit Reporting Act ( FCRA ) 611. 
The inaccurate bankruptcy details are as follows XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX To date, I have not received any confirmation or results of your investigation. Please consider this letter a formal reminder and final notice to comply with my request. Should you fail to resolve this dispute promptly.
Product: Debt collection

Violation of code 1692 g. Zero documentation or original contract provided. You deal with overseas reps who do not care.

Violation of code 1692 e. 

Company is not licensed in the state of TN for debt collections in addition to everything else.
Product: Credit card

I think my identity was stolen and was in credit card debt with Capital One for XXXX and XXXX dollars. They sued me and ultimately removed that money from my checking account without getting in contact with me. I was told that if I wanted to get my money back I would have to sue them but I can't afford legal assistance.
Product: Debt collection

Capital Accounts LlC company added XXXX in interest. And continuing to try to charge more. This was not in the direct contract with the medical provider. They are insisting I must pay a 8.06 % interest rate even though it is being charged by them and not the original dental provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS 7 DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ( Original Creditor : ) {$610.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX, my husband paid off our USAA Visa card. It showed a XXXX balance and we have not used the card since. We were in the process of applying for a cashout refinance XX/XX/XXXX, to pay off the rest of our debt and to get me much needed medical help for my severe, chronic back issues and were denied. They've begun showing a XXXX balance on the account and reported it as a late pay to the credit bureaus. Then, they refused to look into it until I filed out a form on their site ( is been so long I don't have the login anymore ). I finally figured out how to get in and dispute the reporting. I paid the XXXX charge to make it go away. But it's XXXX that I have to wait 30 days for them to remove it from my credit report when I haven't used the card in over a year and wasn't even aware that we were billed for it until I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute with Equifax on XX/XX/2021, to remove inaccurate information on my Equifax Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Equifax responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Equifax credit report.
Product: Credit card or prepaid card

To whom it may concern, Regarding a fraudulent reliacard through U.S. bank put in my name by someone to claim my unemployment. The card stated in the letter is a different card number then my original card number. The one in the letter is card ID XXXX it is a fraudulent card being possibly used by someone else trying to claim my unemployment. Please investigate this and cancel this card for me. As the company US bank will not answer there phone. They pick up line after animated computer picks up then it stays silent with no recording of being on hold or taking a message. 

My email address : XXXX XXXX XXXX. 
If I can I will send you a copy of this letter. 
Thank you for your time and patience. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

on XXXX XXXX XXXX furniture store in the XXXX had as big sale online, they promoted ACIMACREDIT, they stated you can get up to 2000 approved. so i apply and received XXXX   approved. XXXX furniture store told acima we received our merchandise and i have not received anything yet and today is XX/XX/XXXX. i called acima they were very unprofessional and didnt give 2 XXXX about them taking money out my checking account knowing XXXX is right around the corner. this is completely fraud! i need help with removing this off my credit and for them to stop charging me for things i dont have
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputes this debt with all three credit bureaus. Portfolio Recovery failed to notify me about this debt when first purchased from the original creditor with in five days to validate this debt. I have asked for the initial contacts letter mail to inform me about this debt refused instead sent me a bill which doesnt validate a debt. I have asked for the Purchase Agreement to verify the accuracy of the information and debt and demographic. Portfolio Recovery refused Im requesting the following initial contact letter inform me about the debt and the Purchase Agreement to verify the accuracy.
Product: Credit reporting or other personal consumer reports

ONEMAIN illegal information is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me XXXX disclosures I have checked all documents from ONEMAIN and none of these documents have been provided.
Product: Credit card or prepaid card

My card was stolen XX/XX/2019, I asked for a replacement card and I was told I was a payee I need the other person for the replacement card that person is no longer needed as a representative payee for my SSDI and I can't get ahold of that person.. I needed my card sent to me for the remaining balance of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019.Direct Express They wouldn't even let me change my address.. Social Security Administration told me to call Direct Express and request my running balance in a new card but I can not get a hold of them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

Huntington charged me a " return item fee '' for my XXXX XXXX payment this past month. The money should have been there but it was not because the returns that I have done were not processed in time even though the merchants had given me shorter timelines than they ascribed to. 

Furthermore, Huntington has consistently allowed me a grace period of one day to pay my XXXX XXXX payment. Somehow, they decided not to do that this month.
Product: Checking or savings account

I am reaching out with an urgent plea for assistance regarding a grave issue that has severely impacted XXXX XXXX and our business account. On XX/XX/year>, our account was compromised by online fraud, resulting in five transactions totaling nearly {$500000.00}. Despite our immediate action to report this incident to Regions Bank, we have encountered significant barriers in resolving the matter. 

That same night, we contacted Regions Bank, but they were unable to provide any assistance, citing our lack of access to the account. The next morning, we sought help from the Vice President and Branch Managers at our local branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They directed us to XXXX XXXX, the Regional Security Manager, who facilitated a hold harmless agreement for the transactions in question. 

Despite these efforts, we have struggled to obtain clear information or escalate the matter effectively. We took the initiative to have the affected funds frozen at XXXX XXXX XXXX, who confirmed the freeze but informed us that Regions Bank must submit a formal claim to recover the funds. 

To date, we have been unable to receive satisfactory responses or escalate the issue beyond basic customer service channels. Our case number with Regions is XXXX, and the claim number is XXXX. 

As long-time customers of Regions Bank , we are deeply disheartened by the lack of communication and support we have received. We urgently need clarity on the actions Regions Bank is taking to secure our funds and resolve this issue. 

We are requesting your immediate intervention to expedite the recovery process and provide us with a comprehensive update on the status of our claim. Your involvement is crucial as we are facing a significant financial loss of nearly {$500000.00} and have been unable to secure the necessary assistance elsewhere. 

Attached are all supporting documents related to this case. 

Thank you for your urgent attention to this matter. 

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

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

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Transunion sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you TRANSUNION the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. TRANSUNION is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. TRANSUNION is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I am writing to inform the CFPB - and consumers around the world that : 1. ) Scottrade Financial Services was warned, on multiple occasions, from employees and outsiders, that their database and securities systems lacked the most basic protections - Scottrade Financial Services ignored these tips and as a result over XXXX customers has their most sensative personal information exposed in a very preventable cyber attack. 

For anybody who was a victim of this breach, a cybersecurity researcher, or a consumer policy advocate, you may obtain detailed documents of the multiple warnings I, and others gave Scottrade by submitting Freedom Of Information Act requests to the SEC, OCC, and CFPB for complaints made against Scottrade Financial Services. These complaints started XX/XX/XXXX and continue until XX/XX/XXXX. Keywords to help with the search may include, " cyberattacked '', " account takeover '', " hacked '', " XXXX '', " cybersecurity '', " unencrypted '', " stolen '', etc. A very limited number of these documents can be obtained by searching for " Scottrade XXXX '' on XXXX.