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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX. XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from XXXX, Transunion and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XX/XX/XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In early XX/XX/2018 I became aware that my secretary of 18 years had begun using two credit cards of mine for her personal use. This claim involves Capital One. I may have separate claims for XXXX XXXX and XXXX XXXX. The secretary ( XXXX ) charged in excess of {$20000.00} on my Capital One account for her own personal use and benefit. Attached is a XXXX County Sheriff Office report I filed and is currently under investigation, Report # XXXX. 
Capital One initially reversed about {$16000.00} of the charges but has reinstated most of these charges. Capital One appears to claim this is an embezzelment issue, not fraud. I maintain it is fraud and that all of the charges for her benefit were unauthorized. She had never been authorized to use the card for her benefit. XXXX was never an " authorized user '' of the card. 
Capital One Fraud Department now says my case has been resolved and will not be reopened and I owe them {$18000.00}. I dispute their claim and rely on the Visa Zero Liabilty Policy that I am aware of. ( See attached document )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is selling unverified debt to AFNI, INC, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted my mortgage company XXXX XXXX to make payment arrangements XX/XX/2017. I was told since I was affected by a natural disaster I would not incur any late payments and my credit report would not be affected for XX/XX/2017, XXXX, XXXX, and XXXX. I had my credit report pulled in XXXX and discovered they had not honored the agreement. I contacted the company and then contacted all three credit bureaus. Two out of three have made the necessary corrections. Equifax just came back with the investigation and updated my credit file to show XXXXXXXX XXXX as a closed account with the remark " Affected by natural disaster Account acquired from another lender '' which is incorrect.
Product: Vehicle loan or lease

I have tried to dispute on XXXX and XXXX XXXX in regards to the car loan from credit acceptance. I have never gave written permission for this. The total as per my XXXX  XXXX states the balance owed on this account is {$22000.00}
Product: Checking or savings account

I believe that I am a victim of fraud and /or identity theft. for the two years, the thieves have made my life a living nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal statement notifying the credit bureaus that the accounts under account # XXXX are being disputed. The purchase date of the vehicle is XX/XX/XXXX, The vehicle was financed by XXXX XXXX XXXX, repossessed in the state of Michigan, and sold on or about XX/XX/XXXX. Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I had a collection agency place an account on my credit report and I never received any information regarding this account prior to placing on my credit report. I disputed with XXXX through XXXX XXXX and it was removed. In XXXX this account reappeared on my credit report and I disputed it again for the same reason. This account was placed as a new account with an open date of XXXX and again no formal notification was received by me of this accounts existence. The dispute took longer than 45 days and was not removed. I disputed it again on or about XX/XX/XXXX and they still will not remove this account. I dont have an account with this company and not documentation has been sent to me regarding accuracy or anything else. I want this account permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/21 no actions from company Hard inquiries on my credit report I didn't unauthorized
Product: Credit card or prepaid card

I've been trying for over a month to get the balance on my rewards card and Wells Fargo refuses to give this information. They also refuse to communicate via writing like I have requested. My email is listed in this complaint. 

Here are ALL the details on the card so you can properly find the infromatin. 

On the front of the card it has REWARD CARD on the left side. 
The number on the front of the card is XXXX XXXX XXXX XXXX It says it is a DEBIT There is a note that states FUNDS DO NOT EXPIRE It states GOOD THRU XX/XX/XXXX The name on the card is listed as REWARD CARD It states it is a VISA On the back of the card it has the following. 
Top left corner it has the number XXXX Top middle it says XXXX Top right it has XXXXXXXX XXXX  XX/XX/XXXX The middle of the card says NON-RELOADABLE The XXXX digit number on the card is XXXX Below the signature box it says Authorized signature | Not valid unless signed. 
It has the WELL FARGO logo on the bottom left of the cad. 
Also below the signature box it says For assistance in the U.S., please call XXXX and For assistance outside of the U.S., please call XXXX In the bottom left corner of the card below the Wells Fargo logo it says This card is issued by Wells Fargo Bank , N.A . pursuant to a license from XXXX XXXX XXXX FDIC coverage provided under terms governing your card. 

I have now provided all details about this card and will await your response. I will allow XXXX hours for you to respond. If no response is given in that time, I will assume that you are ignoring my message. I will then look to file new complaints with ALL the new information with the agencies so you can respond via those means. 

This should be all the information needed for the company to properly respond to this complain with the balance on this card where the funds do not expire. It's all the information that I have about the card.
Product: Credit reporting or other personal consumer reports

I just got my report on XX/XX/XXXX and took a look at my report it is incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Not sure whats going on but everything is inconsistent.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$4800.00} in XXXX of 2024 and have been paying {$700.00} a month since then and as of XX/XX/2024 my balance is {$5200.00} .The company said all but {$96.00} was going to fee 's. 
I was under the impression that I was close to having it paid off and I haven't even scratch the surface. 
Please Help because this should be against the law.
Product: Checking or savings account

On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds very quickly stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Today as I was trying to get all the accounts information from the Equifax report on their website and I was clicking on these accounts it locked me out of my Equifax account and I couldn't log in until I called them and when I did I was told they had to escalate the issue and it was going to take 7-10 business days to get resolved which I felt this was very mysterious. 
These are the accounts I report to be inaccurate. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX- XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX
Product: Money transfer, virtual currency, or money service

First time selling item on XXXX. Item listed for {$800.00}. Immediate text interest from XXXX. Buyer said he would send cashiers check for {$1900.00}. {$800.00} for the item. A {$50.00} tip for me for taking the listing down and holding the item for him. And {$1100.00} that I am to provide the movers when they pick up the furniture item. He is apparently moving to the city but his moving company was going to pickup the large furniture item for him. I receive cashiers check and deposit it. It clears. I set pickup time and the buyer says the {$1100.00} must be sent via XXXX XXXX. I said no. Only cash or check in person when they pick it up. He said with Covid the rules are they must have the I asked why he couldnt have sent it then. He said I already have his money and this is legit. So I sent {$1100.00} to XXXX and I had a bad feeling about it. I also thought I had the money in my account though. He avoids me the next two days. Then says his wife has been in an accident. They arent moving and he doesnt need the item. The cashiers check is fake and I sent {$1100.00} that I can not get back right now. So fraud has been committed against me. I reached out to Chase and because I paid over XXXX, they could not give me my money back.
Product: Checking or savings account

On XXXX XXXX a check in the amount of {$1200.00} was mobile deposited. 
on XX/XX/2022 the check was cleared in my bank. 

On XXXX XXXX the check was returned from my bank account. The reasoning per Chime was duplicate presentment. 

This check was an XXXX payroll check and after reaching out to XXXX on 3 occasions and getting a copy of the check we realized the check was never cashed again. I have asked Chime to provide me with the copy of the check they stated they had to prove it was cashed but nothing. 

I have emailed them over 20 times in the last 60 days this has been going on. I have provided them with everything needed. Every reply I get from Chime in email is either asking me if this is still a problem or how it is being escalated to the dispute team. 

This is not just a few dollars that was taken. I have literally spoke with XXXX weekly in hopes the money was returned but it wasn't. XXXX does not usually receive returns and if they did it should have legally been no later than XXXX XXXX for the funds to get to them. This is well over the 10 business days they have to return funds. 

I am at my wits end because this has put me behind in bills and my family. Please let me know what else I can do to get my money back.
Product: Mortgage

I was preapproved for a mortgage earlier this year, i was conditionally approved but right before closing ( after I made payments for inspection and deposit to XXXX realtor ) they said I was denied because I was furloughed but I was never furloughed I continued to work during the pandemic as an essential worker. My hours were cut a little bit because of the pandemic but I was still working 50 hours per week and had substantial recurring income for a successful closing. I feel as if I was discriminated against because of the effect the the pandemic had on my finances even tho I still was making well enough income for the low mortgage and I had funds to close. Their actions have resulted in emotional distress for me and my family who have been looking forward to closing.
Product: Debt collection

I am writing to report an issue I encountered with JEFFERSON CAPITAL SYSTEMS. I recently called to request an itemized statement of the full history of my account. A copy of any agreements or contracts pertaining to the debt. However, my request was denied, and I was informed that this information would not be provided. 

I am concerned about this refusal, as I believe I am entitled to access the full details of my account history. I would appreciate your assistance in resolving this matter and ensuring that my request is honored.
Product: Money transfer, virtual currency, or money service

My account at Comerica Bank was Fraugently Used without my Knowledge To deposit and withdraw amounts of money over a four to five Day span. I was never once notify by the bank of any transaction in or out of my account. I have never made withdrawals or deposits by My mobile app every since I had this account. 
The only way I found out about the money is the day that I was expecting of deposit from the loan company Which I found out was not a legit company. I want straight to the bank and told them to close the account. But they said they couldn't until the balance was pay in full. 
I asked them. How can this many transaction be made in and out of my account? And they do not notify me. 
I want straight to the police department and made a report. 
I was told by a XXXX who wife does investigation for banks that I should get in touch with someone because my e. Rights was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2021 I applied and was immediately approved for the American Express Business Green Rewards Card. However, one month passed and I still haven't received the card. I chatted with the customer service representative who informed me that the card will be delivered by XX/XX/2021. 6 weeks to receive a card that's been immediately approved is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX Account name : # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

For about a year since XX/XX/XXXX, I have asked them to let me work on refinancing the loan which would require doing so in person. However, due to the financial hardships of living in Washington state, I had to re-locate my family to the XXXX. OneMain Financial refused to allow me to move my account to another branch closer to where I lived. 

I have also been dealing with other personal matters that I've explained to them that have impacted my ability to pay at the moment ( needing to supply furniture for my kids, basis necessities after moving across the country ). They have now called me harassingly from XX/XX/XXXX to XX/XX/XXXX - a total XXXX times in that period. They know I work during those times as well. 

Here are the dates they've called from nine difference branch locations : XXXX - XXXX, WA branch XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - Auburn, WA branch XX/XX/XXXX XXXX - XXXX, OR branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX When I finally had a chance to answer a call on XX/XX/XXXX, I brought up the number of call. They said they were allowed to call up to 5 times a day. When I brought up the Fair Debt Collection Practices Act states a violation would include calling 7 times within a XXXX period, they told me I had to make a payment by the end of the month or else. 

I will not accept this threatening talk from them when I brought up that I felt they were harassing me.