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

On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency XXXX being Equifax. I pulled my credit report from Equifax and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - XXXX XXXX XXXX - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from Equifax and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a XXXX XXXX? A female? Or are the employees just plain stupid at XXXX and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXXXXXX XXXX claims total account balances ( I have XXXX XXXX, limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only XXXX ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Received suspicious letter in the mail indicating that I owe the XXXX XXXX XXXX CA, XXXX XXXX for a " red arrow vehicular responsibility '' that occurred on XX/XX/2012. I looked up the case number, and none of this information applies to me.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX with XXXX and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, EXPERIAN AND XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I cashed a check drawn from Wells Fargo bank at Wells Fargo bank branch XXXX XXXX at XXXX XXXX. I was told that I would be charged {$7.00} to cash the check. I argued that the check was drawn on Wells Fargo. The clerk refused to cash the check unless the {$7.00} was paid. The clerk informed me that they passed the cost to the consumer because the company that prints the checks would not pay a fee for processing the check. I had to cash it because Im from out of town and dont want to use check cashing companies. I feel that there should not be any fee for cashing a Wells Fargo check in a Wells Fargo bank. XXXX, Florida is where this branch is located.
Product: Credit card or prepaid card

Lost credit/debit card ordered A new one Navy Federal credit unio I was emailed that my card was delivered but I have yet to receive my card I tried to report to Navy Federal , but I wasn't able to. This issue is not the first time that I haven't received my mailings. At the location that requested. I have orders from XXXX XXXX and XXXX and XXXX. I have lost money. with Style We I am not able to report my claim my lost for A replacement of my items or A refund. If I'm able to get A refund for these items i can't use my Navy Ferderal credit union because I have to transfer money to other accounts which takes time I believe that something FRAUDULENT is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

In XXXX I made a deposit through Bank of America outside ATM I was told the deposit went through and didnt think nothing much of it like Ive always done and took off with my receipt.Following day I received a notice saying my account had closed and I was no longer a customer of Bank of America I asked why there was no explanation after calling over and over getting bounced around I was told that there was some tampering with their FAULTY atm machine.I had no clue what they were talking about and I proceeded to wait that somebody will call me back once the money from the ATM machine was counted I have my receipt of deposit I made that day I also requested camera footage and somebody to call me back nobody ever did the 16 day process of closure turned into months here we are in XXXX STILL WAITING FOR THEIR SO CALLED INVESTIGATION TO TAKE PLACE YET NOBODY FROM BANK OF AMERICA HAS REACHED OUT TO ME CALLED ME OR FOLLOWED UP ON IT .I took it upon my self to reach out to senator XXXX XXXX office and congressman XXXX XXXX to let them know what Bank of America is doing to Americans during a time of covid I wont stop at this if my money is not back to me expect me to get an attorney as well as complaint has been forwarded to various agencies as is taken nearly 4 months and no answer to the mystery Bank of America claims in order to steal my hard earned money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was also opened due to identity theft and disputed. The accounts gets deleted every time, then the following month is reports again on my credit report.
Product: Debt collection

Capital One sent a fraudulent debt to a collection agency, XXXX XXXX. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by CAPITAL ONE that was sent also FRAUDULENTLY to XXXX XXXXXXXX who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both capital one and XXXX XXXX  in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my TRANSUNION Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXXXXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( XXXX, XXXX, AND TRANSUNION ) and the minors such as XXXX XXXX, XXXX XXXX XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( XXXX, XXXX, AND TRANSUNION ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution. 

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of XXXX XXXX XXXX, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Vehicle loan or lease

I am writing to formally dispute the inaccurate reporting of an alleged charge-off account from Westlake Financial Services with a balance of {$2800.00} on my credit report. This account is being reported as a charge-off ; however, neither a 1099-C form nor any documentation of debt cancellation has been issued to me or the IRS, as required by law.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am entitled to a fair and accurate report. The failure to provide a 1099-C for this charged-off account implies that this debt remains unresolved, yet its continued reporting as income violates the accuracy requirements set forth by the FCRA. Additionally, without the 1099-C form, there is no basis for reporting this balance as income, which makes this account invalid for reporting on my credit profile.

Under 15 USC 1692 ( k ), if this matter is not addressed and the account is not promptly removed, I reserve the right to pursue civil liability for these violations. 

Please investigate this matter thoroughly and remove this account from my credit report to ensure compliance with federal laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation of the removal of this erroneous information.
Product: Debt collection

I've been receiving statements for over 9 years, from a Paper Error with XXXX XXXX XXXX XXXX Real time solutions apparently was the buyers of XXXX XXXX Debts while they were in Bankruptcy, My bank sent me a letter EXHIBIT ( 1 ) XX/XX/09 Stating my Mortgage payment was not being accepted from Auto pay, and they tried 2 times, So I called and the number was no longer in service, I didn't know at the time what was going on XXXX of XXXX, I receive a Summons for Court for Four closure on my Home of 40 plus years, I received no Notice of default, I wasn't even in delinquency for a forclousure. ( EXHIBIT 2 ) I had enough money to pay a bank ( Exhibit 3 ) if there was a error, I could of paid up the Mortgage payment if I had been informed of the Auto payment error. I finally saw on the News of a ROBO signing error from XXXX XXXX XXXX, ( EXHIBIT 4 ). and everyone involved was getting a Mortgage Forbearance, that was all good until I noticed they added on Attorneys fees and late payments, for an error that was not my fault. ( EXHIBIT 5 ). with that issue in mind, I opted out of the ROBO signed house mill and started looking for an Attorney, While tirelessly looking for an Attorney, my House was sent to the Commissionors office without me knowing about it and given to a Broker to sell ( Exhibit 6 ), I was notified by a friend who was a broker that my house was sold. I never found no evidence of a Auction ( Exhibit 6-1 ). I was then contacted by the alleged buyers and told I had to move, I begged them to stay and had to rent my STOLEN HOME for 9 months, until I decided to find a buyer to buy it for me until I can clear my Identity theft. I found a buyer and they bought my home so that my family and I could stay in our home. ( Exhibit 7 ) Which brings me to Part 2 ( Cover letter to Realtime Solutions ) ... I have been receiving bills from REAL TIME SOLUTIONS for over 9 years for my home that was Stolen by error and sold, ( Exhibit A-A1 ). I contacted RealTime solutions 2 times to stop billing me ( Mail Fraud ) Cease Decist from collecting on a bill That I don't owe due to The Breach of Contract with XXXX  ... .I need help with clearing my name.
Product: Checking or savings account

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$560.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$29.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX LEGALSHIELD *MEMBR - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX for XXXX XXXX XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022- {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$59.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX*POSTPAID F - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$100.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX*POSTPAID F - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX  - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$6.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXBILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$88.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXX*POSTPAID F XXXX - XX/XX/2022- {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} ONLINE TRANSFER TO XXXX XXXX XXXX SAVINGS XX XXXX REF # XXXX ONXX/XX/22 XXXX XX/XX/2022 - $ XXXX  MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/2022- {$2.00} MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$6.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXXBILL XXXX -XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$29.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$10.00} XXXX - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX  MONTHLY SERVICE FEE - XX/XX/2022- {$10.00} Thanks a ton, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother and I retained the Lexington Law Group, advertised and described as a credit repair agency. Each and every month this unethical bogus company fraudsters debited my account for non rendered services, since 2019. We fullu complied with their requirements for timely processing and repairing our credit scores, however nothing has changed. This company XXXX  rotated us in an endless runaround, kept asking for the same set of documents over and over again ( multiple times we mailed to this company full set of records by the US Certified mail ). We were misled, cheated and XXXX. Subsequently our credit scores were negatively impacted as a result of this company deception and fraud. The company Directing and Managing attorneys ere notified in writing of existing chaos and corporate anarchy, however our concerns were never addressed nor resolved. In fact we've been ripped off and inadvertently depressed by this fraudmasters. Please assist us to remediate this problem.
Product: Debt collection

Received collections letter from Revenue Enterprises regarding alleged medical debt, debt not mine has not been substantiated or verified despite attempts to get this debt verified, substantiated etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX