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

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2021, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the item that are still reporting on my Credit Reports : XXXXBalance {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXredit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I have these fraudulent inquries on my profile. My identity has been stolen. They have been removed from the one of the bureaus, but not all. These fraudulent inquiries are hurting my credit. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX     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: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX  for illegally reporting my transaction history to credit reporting agencies. This reporting violates my rights under federal privacy laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 

Details of the Complaint : XXXX XXXX  has been reporting my transaction history to credit reporting agencies without my explicit consent and in a manner that violates my privacy rights. I believe this reporting is illegal for the following reasons : XXXX. Violation of Privacy : Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers financial information. XXXX XXXX  has failed to adhere to these privacy requirements by disclosing my transaction history without proper consent. 
2. Inaccurate Reporting : I believe that the transaction history being reported does not accurately reflect my financial activities and may contain errors that adversely affect my credit profile. 
XXXX. No Proper Authorization : I have not authorized XXXX XXXX to share this level of detailed transaction information with third parties, particularly credit reporting agencies. This constitutes a breach of my rights under the Fair Credit Reporting Act, which mandates that only accurate and permissible information be shared. 

Previous Attempts to Resolve : I have attempted to resolve this issue directly with XXXX XXXX  by disputing the accuracy and legality of the transaction history reporting. However, these attempts have been unsuccessful, and the bank has continued to report the information despite my objections. 

Impact on Me : The illegal reporting of my transaction history has negatively impacted my credit score and my ability to secure credit. This has caused significant financial harm and distress.
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear CAPITAL ONE, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Product: Money transfer, virtual currency, or money service

The company Inter & Co Payments, INC dba XXXX XXXX or XXXX is not honoring a request to transfer funds from an account in XXXX to XXXX. I am within the limit established by the bank but they are asking for additional documents, which I can not send at the moment due to traveling reasons. This has caused problems to my family in the United States since they were expecting the transfer. My limit in the app always said XXXX {$100.00}, and after requesting a transfer under that amount they decided to tell me that my limit was USD {$15000.00}. And after 2 minutes arguing with the supervisor my limit was decreased to USD {$12000.00}. Can they do this? They have previously asked for additional documents which was provided right away, but this time I can not send the new documentation request.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via my Citibank XXXX XXXX XXXX on XXXX/XXXX/XXXX. Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with Citibank while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} XXXX with my Citibank XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than XXXX times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. I, however, paid my bill in full - including the charged back amount of {$1500.00} XXXX see attached XXXX and XXXX XXXX statements XXXX. 

I need Citibank to prove that this payment was released to XXXX in the amount of {$1500.00}, as I am being threatened with collection action. I paid my balance in full to Citibank, and the debt claimed owed is in fact not.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns dealing with XXXX. In light of the CFPB Lawsuit highlighting significant problems with the program. I notified them about funds being sent wrongly and was notified that it was nothing that could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in the XXXX  data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX AS WELL.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sold my XXXX to XXXX XXXX XXXX  I received a receipt showing the sale. I provided a copy of the receipt to the insurance agent, XXXX XXXX. I later found out that XXXX sold the agency to the current insurance agent, XXXX XXXX. 

An entry was added to my credit file for {$130.00} by a company called Credit Collection Services. I called the insurance agent to see why this was added. At that time, I found that XXXX XXXX sold the insurance agency and XXXX looked in the file and said he didn't show anything was done. 

As you can see from the email discussion attached, he said he was going to request that the policy be backdated to XX/XX/XXXX. Nothing was ever done. I finally said it's only {$130.00} and I decided to send the company a letter along with the receipt from XXXX XXXX XXXX asking the if they cash my check that they agree to remove from my credit file. 

Credit Collection Services cashed my check and the entry is still on my credit report.
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. 
Account names : XXXX : Original creditor XXXX XXXX XXXX  # XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX Original Creditor XXXX XXXX, XXXX XXXX XXXX : Original Creditor : XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # 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: Debt collection

I have contacted this company for validation of this debt to no avail. The dates that I've been in contact with them was XX/XX/XXXX - XX/XX/XXXX with no valid responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to cardinal after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Product: Mortgage

On XX/XX/XXXX  I made a call to Wells Fargo Mortgage regarding my loan # XXXX being paid off. They were already aware that the house was being sold as the escrow officer requested a payoff statement few weeks prior. When I called on XX/XX/XXXX to stop the payment on my XXXX payment for {$6600.00} ( it was set up to be withdrawan from my Wells Fargo checking account ), the person who helped me with the phone told me that she could stop the payment, and told me to call back in a few days to get the " fee '' ( {$25.00} I think ) to be reimbursed. And I was told that I would be receiving in the check amount of approx {$18000.00} from my escrow balance. 

Meanwhile, when I made an inquiry again on the phone on around XX/XX/XXXX, I was told that Wells Fargo took {$6600.00} as my XXXX mortgage payment from the escrow balance so I only would be receiving around {$11000.00}. I explained that it was not what I was informed previously, and they should not take XXXX mortgage payment when loan was paid off on XX/XX/XXXX. She then told me that they would be reviewing and I would be receiving the communication later. 

Then I suddenly received the check from Wells Fargo in the amount of {$11000.00} ( attached ). It is NOT the amount I am entitled to received from my escrow balance. As XXXX statement shows ( attached ), I had {$18000.00} as of end of XX/XX/2023. When loan was paid off on XX/XX/XXXXXXXX, I should be receiving the full amount. Instead, Wells Fargo took {$6600.00} out of my escrow balance.
Product: Credit card

Well early this year about XX/XX/2023, I've had approximately {$10000.00} in Charges. I had another card with 7 % interest, so I sent approximately {$7000.00} from that card to USBank in order to get my monthly payment down to a comfortable level that I could afford. My balance was only approximately {$2500.00} at the time. I was happy with that because my minimum payment due was {$40.00}. It went from about $ XXXX {$40.00}. So naturally I wasn't going to use my USBank card anymore because of the 28 % interest. In the last 3 months I only used this card very little in the last 3 months and then my card was shut off due to fraud is what they told me. The USBank customer service rep told me that in the past 3 months over {$14000.00} was charged to this card. That did not happen, and I have a feeling that the fraud is within the Bank itself. Just like the XXXX XXXX fiasco. They sent me the statements and I can not make heads or tails out of them. Because of this my credit score dropped from XXXX is what they told me. I really do think that this bank is corrupt. I mean what customer that makes an effort to pay down his interest rate is going to turn around and then charge {$14000.00} to that same account. Plus I pay all my other XXXX credit cards are on time including this one. I feel that I am trapped with these people and had a zoom conference for bankruptcy. I don't want to go that route. Please help!!!!!
Product: Consumer Loan

I took out a loan of {$2500.00} with XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I began paying {$290.00} per month and continue to make those payment. So far, I have paid back four times the amount I borrowed and continue to make payments.The company constantly changes names form XXXX XXXX to Cash Call. I am having a financial hardship and have made Cash Call aware. I was only able to pay {$140.00} on XX/XX/XXXX payment. The company calls me over ten times a day sometimes as early as XXXX. How can I get out of this situation? Please help me.
Product: Vehicle loan or lease

I got a new care in XX/XX/XXXX through BBVA compass bank. I had a car not of {$580.00} a month which I paid every month on time. I was a car accident in XX/XX/XXXX where my vehicle was totaled out by the insurance company. They paid me the total value of the car which was XXXX least than what I owed on the car. I understood that the car depreciates when it leaves off the car lot. So I was told by BBVA, which did not provide me with GAP INSURANCE, that I can just apply for another car loan thru them at the dealership, because they don't have any branches in Ms . They told me I can just put the equity onto a new loan. They also told me that until I get a new car I can pay anything on my loan, I was told I didn't have to pay the whole balance because It was no way to pay two car notes at one time. So when my car note was due I paid over half of it and they still was trying to say I was late, which I didn't understand. So when I told them someone told me I can pay less the fee, they said I had to pay what was on the contract, and they don't know why someone told you that. So then I tried to go to the car lot to get a new car and they denied me, so I didn't understand why they act as if I would get approved and then they denied me. When I called they said they don't know why I was denied and I would get a letter to explain, which I never received. All they kept saying is they don't know why because my account was always in good standing. The next thing I tried was to get a settlement, which they denied. Because at this point no one will let me get a car loan because, BBVA bank hadn't took the total balance off my credit, so it looks like I cant afford a car, because I still have a big balance with them. Then every time I call I sit on hold for 30 minutes then the operator say try your call again. It jus bad business, I just XXXX XXXX XXXX to get out the XXXX after a 4 month stay due to XXXX, and its really stressful, to not have a car, when I work and have dr. appointments. Its so tough and they have a careless attitude about what you going through and about what the last CSR, told you was incorrect. Then if you cant get them online you have to option to write them online, in which the response be some totally different then what the person say on the phone. This is the worst loan place I have ever done business with, and I just don't want no one else to get treated, like I'm not a person, but just a number.