23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had identity monitoring on my direct deposit checking and saving s at chase bank. I linked my credit cards through auto pay to the checking and I had my electricity car Insurance, phone bill and internet all auto payments through the bank as well. I have been into the branch for account opening inXX/XX/2023 and haven't been in since. I work in XXXX XXXX as a XXXX  XXXX XXXX providing XXXX XXXX XXXXXXXX XXXX to my grandfather and my aunt whom is XXXX XXXXXXXX. The bank was strictly instructed to text or call before any of the transactions were to get approved and especially if someone were to come in with a regular check from a different state than I am born and raised, California. I've lived in XXXX XXXX  years and worked at my job for XXXX. A fake construction company was the check all XXXX same exact check, check date check amount and check number. The teller didn't ask for ID cashed without any hesitation. Then she helped the theives reset my mobile banking account information. Where they then took all the funds from my account and maxed out all my credit cards and shut me out of the mobile account. I called the bank when card declined for me at gas station later that day and banker said I was in earlier and it was all fixed. I came in branch to show the damage she'd allowed proving the device in my account was not my XXXX XXXX and the manager disrespectfully accused me of being in on it all and closed my account immediately charging me with the money the bank has lost and refused to get my money back or help me seek Identity theft recovery. It's a derogatory mark on my credit keeping me from opening any bank or credit from all the fraud accounts being opened in my name
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.
Product: Credit reporting

Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Product: Debt collection

Im not sure who this company is but they keep contacting me threatening me with lawsuits and harassing me refusing to stop contacting me
Product: Vehicle loan or lease

Last logged into Ally Auto to submit payment for current loan XX/XX/XXXX. On XX/XX/XXXX, attempted to login to Ally because they merged sites with Ally Auto. Contacted Ally to get account reset, account was reset however auto loan did not display on website. I was transferred to Ally Invest to inquire if they could fix the issue. Ticket was opened. Called back on XXXX and XXXX, Ally was unable to resolve issue. Requested paper statement and options to make a payment. They charge {$4.00} for a phone payment which I disputed but submitted phone payment XX/XX/XXXX. Made a comment on social media about my issue, was contacted by Ally OAC department XX/XX/XXXX. Spoke with OAC rep XX/XX/XXXX, they were unable to help and like previous reps, they didn't seem to understand the problem. They opened another ticket. Called again on XX/XX/XXXX, now I can't even login. Another ticket was opened. Called again on XX/XX/XXXX because I didn't get my statement in the mail. Requested paper statement through XXXX then spoke with agent that said my account wasn't switched to paper. XX/XX/XXXX called XXXX rep, left message asking about status of ticket they opened. We're going on the 3rd month of not being able to access my account and 2nd payment that will be charged a {$4.00} fee.
Product: Debt collection

A debt from XXXX that had been reported by XXXX XXXX collection agency for 7 years was sold to the Arcadia collection agency who now reports it as a new collection account from XXXX to the credit repositories XXXX and XXXX. Arcadia confirmed it was from XXXX verbally, but state the start date is now XXXX when they bought it. This is a re-aging of the account and not in compliance with the Fair Credit Reporting Act. I provided XXXX a copy of an old credit report that showed the same account from XXXX and they refuse to remove it without consent from their paying client Arcadia who plans to report a collection account for 15 years from the date of the collection and 8 years past the 7 year statute of limitation for collection accounts to be reported on a credit report. The debt was from when I was young and I understand they may be allowed to try to collect it, but they are not allowed to at this point break the law by re-aging the account and report the account as new again after it had already been reported on my credit already for over the 7 year limit.
Product: Credit reporting or other personal consumer reports

15 US Code Section 1681 XXXX  block of information resulting from identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX of XXXX I inquired about a title loan with XXXX XXXX and went into a contract based upon misrepresentation from the advisor that I spoke with I canceled the contract within the 3 days that's allowed in the contract. I never got a response from the company they never possess my vehicles title and I went with a different lender called XXXX and obtained a loan and paid it off and obtain a free and clear title once I paid off the loan. 3 years later in XX/XX/XXXX XXXX XXXX puts a lien on my vehicle using a power of attorney that was retracted and no longer authorized to use because I rescinded the contract that I was rightly entitled to do so say the contract. XX/XX/XXXX I reported my vehicle stolen and the police confirm that the vehicle was stolen because no repo company had reported the allege repossession that they are required to do so by law and on top of the illegal repossession which is theft there was items in my vehicle of high value that was stolen as a result of the illegal tow which is breaking the peace and also theft which is a criminal violation because the value of what was stolen out of my vehicle exceeds over {$10000.00} that I have the police report to verify. They want me to pay {$7500.00} to retrieve my vehicle back but as inquired about why this happened I was informed that the account they had for me was charged off in XXXX which they have received a tax credit for the original loan amount and now have stolen my vehicle and the third party vendor professional towing has damage my four-wheel drive vehicle by dragging it out of the driveway dropping it over bracelet then dragging it the other way without a flatbed or a dolly that is required and stolen items out of my vehicle is a definitely a cause of breach the peace. I have suffered tremendously because of this illegal action I've been without a vehicle for 2 months and now working XXXX jobs because of the financial hardship that this unscrupulous business has put me through. The fact of the matter is that I never gave consent to use my power of attorney from the original contract after I rescinded the contract which they did illegally to secure lien fraudulently to steal my vehicle.
Product: Debt collection

Abusive, disrespectful, demeaning statements were made. I asked how we could settle the debt and the person stated, " what are you going to do - avoid us like the other 24 debts you have? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to all major credit bureaus, Nelnet continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late  payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.
Product: Mortgage

I changed my home insurance company in XX/XX/2017 because they had raised my insurance premium significantly. My old company said they raised everyone 's premiums and it was not my fault ; nevertheless I found the new premium amount outrageous and contacted another insurance company and entered into a contract with them. The old insurance company had already been paid {$2000.00} by my mortgage company so when I switched I had to get the {$2000.00} back from my old insurance company and return it to my mortgage company ( Quicken Loans ). I called the escrow department at Quicken Loans and arranged over the phone to return the {$2000.00} back to them via my checking account information. I clearly told them it should be applied to the escrow account so that I did not encounter an escrow shortage. Nevertheless, the people at Quicken applied it to my loan instead of my escrow. I have called them repeatedly to tell them to apply it to my escrow account -- it was not my money! It was their money! Anyway, they verbally have told me that they have applied it to my escrow account but my online account still -- as of the middle of XX/XX/XXXX! -- states that my escrow account has a shortage. I asked for an off season escrow analysis and they said they would but they have completely ignored my request and have not remedied the situation and corrected my escrow account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$550000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Late/Open
Product: Checking or savings account

Set up an online savings account with HSBC USA with a XXXX, NY XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Mailed in a check of {$6000.00} to start my account. Made an ATM withdrawl of {$100.00} in XXXX of XXXX. That was the only transaction that I have made. I was notified in late XXXX by mail that HSBC was selling its savings section to XXXX XXXX. On XX/XX/XXXX I received a paper final statement of only {$50.00} that was transferred to XXXX. Also received from XXXX its first statement ending XX/XX/XXXX of a balance of {$50.00}. That was when I realized a large portion of my account was missing. After numerous calls with HSBS customer service call center, I was told that on XX/XX/XXXX, there was a wire transfer of {$5900.00} made to XXXX. I did not make any such transfer and I would like to know who authorized that transfer, and why HSBC never bother to contact me about that. HSBC has my hone address, Email address and phone number on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX  DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO XXXX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND XXXX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XXXX XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
Product: Debt collection

A default judgment filed against me which was for XXXX from Westlake Financial. The credit bureau shows a delinquent amount of XXXX with Westlake Financial which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.
Product: Debt collection

I am writing to dispute an account on my credit report that I believe is unauthorized or unknown to me. I request that this account be removed from my credit report immediately. Account Information : Creditor Name : Account Number : Date Opened : Description of the Issue : I have no knowledge of this account and believe it may be the result of identity theft or a reporting error. I have not authorized anyone to open or use this account on my behalf. Enclosed with this letter are copies of documents that support my claim, including [ list any supporting documents, such as identity theft reports or correspondence with the creditor ]. I request that you investigate this matter and remove the account from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the account has been removed. Thank you for your prompt attention to this matter. 

Transunion - XXXX XXXX # XXXX Sincerely, XXXX XXXX
Product: Debt collection

I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO  XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a  XXXX  dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had pulled hard inquiries without my permission XXXX   1.XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  1. XXXX XXXX  XXXX  XX/XX/XXXX-XX/XX/XXXX 2.Citi Cards CBNA XX/XX/XXXX
Product: Bank account or service

Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed incorrect information with XXXX and XXXX to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.