23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft- on XX/XX/XXXX or XXXX someone used the drivers license from my stolen wallet to get an over $ XXXX auto loan to finance the purchase of a car from XXXX and register it under my name. Naturally, they haven't paid the loan, which is still on my credit. I filed a police report ( XXXX with XXXX XXXX XXXX XXXX, FTC identity theft report ( XXXX - attached ), a California XXXX fraud report ( XXXX ), and initiated investigations to remove the fraudulent installment account at Equifax and XXXX. 

On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating the following about the XXXX XXXX XXXX installment account : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. 

Regarding the several inquiries that were fraudulently made for car loans, Equifax refused to remove them, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS ''. These inquiries were the fraudulent result of identity theft, and I provided the information to Equifax to demonstrate this. It's hard enough dealing with identity theft, Equifax is actively making my life more worse. 

These are violations of XXXX5 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report. 

XXXX, which wrote this fraudulent loan and sold the car, has also been useless. Despite promisingly to diligently investigate this fraud, instead they just began sending me billing statements for the fraudulent and increasingly delinquent account. Their bill was sent on XX/XX/XXXX, after I initiated the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, USDOEXXXX Account # 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: Mortgage

We applied for and were granted a mortgage modification from Rushmore Loan Management on XX/XX/2019. Our backs were against the wall because Rushmore was trying to foreclose on our home and we had to accept their terms. 

Our interest rate went from 2 % to 5 %, our loan term was extended, and payment was raised. A modification is supposed to be done in good faith to assist the borrower to be able to afford their mortgage and to stay in their home. We did not benefit in any way from this modification, other than to remain in our home and we feel Rushmore took advantage of us and we consider this predatory lending. 

We also believe they added thousands of dollars in fees and penalties to our mortgage that were not legal.
Product: Vehicle loan or lease

I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Auto loan at XXXXXXXX XXXX XXXXXXXX XXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX OF XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for these accounts. I do not have a contract with the included agencies. They did not provide me with the original contracts as requested. Unexplained inquiries are now on my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Deceptive Reporting Tactics Dear TransUnion, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXX XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. 

However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. 

The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX XXXX : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item.

2. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal.

I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy.

Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed.

Enclosed, I have attached : 1. A copy of my credit report showing the previous dispute and removal of the original collection account.

2. Documentation of the new collection account added under XXXX XXXX XXXX. 
3. My previous dispute letter, which led to the removal of the original collection account.

I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again.

Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. 

Thank you for your prompt attention to this matter. 

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

On XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, reported me dead, while I was traveling overseas with my wife. I had been banking with this institution for 32 years, the action prevented me for getting into my funds at the time. Did not do anything drastic, which I should of, due to the 32 years with them I let them fix the error/issue or report. Took them 3 weeks, and still not 100 % as of yet. However, when I pull my credit report with XXXX, it shows that the person using my social security number was reported dead by USAA. I proceed to follow a dispute which is allow with XXXX, same came back XXXX XXXX, stating that USAA did not change their original report, meaning I still dead according to them, maybe time and place but still same report. I do not even have a credit score anymore and I was reported by them without credit history. Please tell me what to do? my full name is XXXX XXXX XXXX, XXXX. 

Please advise XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and notice several inaccuracies on my account. This account is hurting the ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$920.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I checked my credit report and was shocked to find multiple fraudulent accounts, inquiries, and personal information due to identity theft which now makes sense why I was denied for a vehicle due to my credit being so bad. You must understand how this information is affecting my emotional and physical wellbeing and has caused great damage to my reputation and cost me thousands of dollars. This information reporting should not be on my credit account and is inaccurate. Upon learning of these items on my credit report, I started doing my research and was really blown away at the Data Breach due to the CFPB Data Breach all over the news. 

The Fraudulent Accounts are as followed : ACCT XXXX AMOUNT : {$2500.00} Creditor : XXXXXXXX XXXX Type : Credit Card. 

ACCT NUMBER : XXXX AMOUNT : {$4900.00} Creditor : XXXXXXXX XXXX Type : Credit Card This XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  CREDIT CARD account is a Fraudulent Charged off Credit Card account, it is not my account, Someone has used my credit to obtain some sort of credit card services from the institution. I have reported this to the local authories and obtained a police report, this matter is currently under investigation and the FTC has been notified as well, and I do not have a contract with the creditor. Please delete and block this account from harassing me and selling this account to 3rd party companies to post or from ever being back reported to my credit report.
Product: Checking or savings account

Subject : Formal Complaint Regarding ATM Deposit and Service Issues Date : XXXX To Whom It May Concern, I am submitting this formal complaint regarding a series of unresolved issues I have experienced with [ Insert Bank Name ] following an ATM deposit. The incident occurred on XX/XX/year>, at an ATM located at [ Insert ATM Location ] XXXX XXXX in XXXX, Tennessee. I am seeking assistance in resolving this matter. 
Timeline of Events : ATM Deposit Attempt : On XX/XX/year>, I made an attempt to deposit {$500.00} at the ATM machine located on XXXX XXXX in XXXX, Tennessee. After I entered my PIN, the machine started blinking continuously, then turned off without completing the transaction. 

ATM Retained Cash and Card : The ATM failed to process my deposit and also retained both my {$500.00} cash and my debit card. I was left without any documentation or receipt confirming the attempted deposit, and the machine was unresponsive. 

Branch Visit : The next day, I visited the local branch and spoke with a representative. They confirmed the situation and issued me a new debit card, but no immediate solution was provided for the missing deposit. 

Customer Service Interaction : After the branch visit, I contacted customer service, who issued a temporary {$500.00} credit to my account, acknowledging the issue. However, this temporary credit was later reversed, leaving my account in a negative balance and at risk of incurring overdraft fees. 

Ongoing Investigation : I was informed that the bank is still " investigating '' the issue, but I have not received any substantial updates. Despite the temporary credit being reversed, I am now facing potential fees because my account balance was reduced after the credit was taken back. 

ATM Ownership and Responsibility : The local branch informed me that the ATM is owned by Regions Bank but is serviced by a third party, and as a result, they claim no responsibility for the issue. This has left me without clear guidance on how to proceed or resolve the situation. 

Issues : The {$500.00} deposit has not been processed or returned. 
The ATM retained both my debit card and cash, and no receipt or documentation was issued. 
I was issued a temporary {$500.00} credit, which was later reversed, leaving my account at risk of overdraft fees. 
I received conflicting information from the local branch and customer service, neither of which has provided a clear solution or resolution. 
The XXXX-party servicing of the ATM is causing confusion about who is responsible for resolving the issue.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Late Payment {$3000.00} XXXX  XXXX Late Payment {$0.00} XXXX  XXXX Collection {$0.00} XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Mortgage

I have filed complaints previoisly with Wells fargo, but it seems to Call on deaf ears. I took Wells fargo to court 5 years ago with the prsiding judge XXXX of XXXX countycourt. The judge ruled in my favoriser. Wells fargo has not acted in favor of the judge decree. I have trid to work with Wells fargo to rectify the problem but they have no intention of rsolution. This is WhY i had to take them to. Court 5 years ago. They have a sale date of XX/XX/2018 and have repeatedly denied all loan modification temps. The have misapplied, many payements and i want this rsolved want them to stop the foreclosure shrifs sale and reste my issue, if not i will take them to court as i did 5 years agonisant my loan either paid off due to their lack of due diligence or at leaste reiinstate my loan back to it's original amont of XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, MBFS-Mercedes-Benz Financial Services hired XXXX XXXX XXXX to repossess my vehicle. I initiated this transaction with my credit card. I am a consumer and the purchase was for personal use. After doing some research, I realized that the FDCPA, TILA, and the Equal Credit Opportunity Act were violated. On XX/XX/XXXX I sent a letter to MBFS disputing the validity of the debt due to fraud, debt validation and Cease & Desist and a debt validation. I didn't receive a response from MBFS. I received a threatening letter titled, " Notice of Default and Right to Cure Motor Vehicle Lease, '' the letter was dated XX/XX/XXXX ( received in XXXX ), giving me until XX/XX/XXXX to make payment before adverse action will take place. On XX/XX/XXXX I sent a letter of " Default notice/Fraudulent assignment/Aggravated Identity theft Letter. I listed the respond by date of XX/XX/XXXX. XXXX hired XXXX XXXX XXXX to repossess my vehicle on XX/XX/XXXX. XXXX XXXX XXXX required me to turn over the keys to the vehicle in order for me to receive my personal property from the vehicle which was bagged up without an inventory sheet. I was not given a copy of the property release form I signed. This was adverse action against me. I used my credit card to lease the vehicle which gave MBFS a security interest which is the certificate of title.
Product: Credit card or prepaid card

Made a partial deposit payment with my XXXX XXXX XXXX XXXX Credit Card for kitchen and bathrooms cabinets to XXXX XXXX in XXXX XXXX, California, a company who after months of false promises didnt deliver the cabinets, later closed for business and currently being investigated by the Attorney General for 17 counts of Grand Theft of Personal Property and one count of enhancement of Aggravated White Collar Crime. After notifying the credit card company about the issue, they refuse to give me a refund of the XXXX XXXX dollars I had paid them. Heres a summary of the issue : I ordered kitchen and bathroom cabinets from the above mentioned company on XX/XX/XXXX, to be delivered within 8-10 weeks, paid their required 70 % deposit with the balance to be paid when the cabinets were made and ready for delivery. On XX/XX/XXXX I received an email from the salesperson confirming delivery for XX/XX/XXXX. 

After the delivery date came and went and many unanswered calls from the store requesting status of my order, on XX/XX/XXXX I called again, this time my message was to cancel the order that was approx. 45 days passed the scheduled delivery date. Finally for the first time the owner returns my call saying I couldnt cancel and refused to return my money. The deposit was paid with four different credit cards so I disputed the charges. After reviewing the facts, three of the four credit card companies credited the amounts paid except for the {$7000.00} paid by using XXXX XXXX XXXX XXXX credit card. 

I have been disputing this charge with XXXX XXXX credit card for over a year sending them all the information and documentation they requested, giving them a chance to revisit the case on three separate occasions and they still refuse to credit the funds into my account saying the charge is valid. I understand the charge was valid when processed but after many false promises XXXX XXXX did not upheld their end of the contract intentionally committing fraud by stalling and not delivering any product, closing for business and not honoring the contract and the credit card company still declined my request. 

Ive always known that one of the benefits of using credit cards is for consumer protection but this clearly has not been the case with XXXX XXXX XXXX XXXX Credit Card issued by Chase.
Product: Credit card or prepaid card

I have a Paypal Debit Mastercard, which is linked to may XXXX XXXX  Account. On about XX/XX/XXXX or XXXX, I noticed some transactions to XXXX which I did not authorize. 

I went to the paypal website, canceled the card. They automatically issued a replacement. I was not able to dispute the transactions which were pending, however, and they took that money from my XXXX account. 

Finally, after the transactions completed, I was able to dispute some of them. It took a while, but those got paid. However, instead of putting the money back into my XXXX account, which I expected, they gave it to me as a paypal balance. 

Then, more fraudulent transactions appeared, and again, no way to dispute them until they are completed. Then, they completed them, and used up the money that they had put in my paypal balance, again leaving me with no money to put back into XXXX, which even if I had tried to transfer it takes several days to do. 

Now I have XXXX in overdraft fees in chase. I have spent 20 days trying to contact Paypal, their call center is closed due to COVID19,  and so although I am willing to wait hours to chat with someone, each time I am told that they will help me and then they either send me a message telling me to dispute them and how to do this, and cut me off, or just cut me off