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

XXXX XXXX, 2020 Mr. XXXX XXXX XXXX noticed that his XXXX  Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of USAA Federal Savings Bank. 
The company ( USAA ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from USAA and investigation with Impunity that will give much needed closure and Cash Settlement!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by a scammer impersonating a Wells Fargo Employee. They stated they were multiple attempts of a wire transfer and my account information was at risk. When I asked " what should I do? ", they informed me that I need to move the sum of {$8200.00} to " XXXX XXXX '' as the operating manager that would escalate the case so my account would be closed and a new debit card would be sent. I fell for the scam as I was in a state of panic and immediately regretted it after. I contacted Wells Fargo directly that same day to ask if my account was all taken care of only to be informed that their logs didn't indicate a recent call with them. I then immediately reported what had happened and asked for my funds to be recovered. I've been waiting XXXX weeks for an update from them and every time I called they didn't have anything to share until today, XX/XX/2023. When I called for the latest update they informed me the case had been closed and they won't recover the funds. I then asked them to reopen the case and escalate it to their executive branch. I'm supposed to hear from a Case Manager in 48 hours, but that's where I currently stand.
Product: Mortgage

Received an email from a sales person at Lennar offering 4.99 % rates at no cost. They are not MLOs and there is no NMLS. and that rate is clearly not available to everyone... ..or anyone for that matter. Here is teh body of teh email in case the attachment does not work. 

From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXXXXXX XXXX  Subject : XXXX XXXX DEALS/BONUSES/INCENTIVES ! CALL XXXX @ XXXX To : XXXX XXXX XXXX XXXX 's Super Deals and weekly specials are attached!!! 
We just released new inventory priced to sell fast! 
We are also offering special financing at 4.99 % * ( lower rates and programs available ) rate fixed for 30 years at NO COST to your client when using Lennar Mortgage!! Contact me for more details before funds run out for this financing program! 

We're also offering 3 % Commission & Realtor Bonuses in selected homes!! 

Hurry before these special price homes sell and don't let your client miss out on our amazing Special Financing! All this in addition to closing costs contributions noted on the price list! 

Call or Text XXXX I can help you in ANY Lennar community on the list! 
XXXX XXXX *special financing rates subject to credit approval with Lennar Mortgage . For more details, please contact loan officer with Lennar Mortgage. Inventory, prices, special financing and incentives subject to change at any time without prior notice. 

XXXX " XXXX '' XXXX XXXX XXXX Consultant XXXX Mobile XXXX XXXX, FL This e-mail is not a solicitation, offer, acceptance of an offer, a negotiation or amendment of terms for the sale of a home. Any such activities must be properly presented and executed in compliance with company policy. If you would like to stop receiving marketing email messages from us at any time, please click here or simply reply to any message and type " Unsubscribe '' in the subject line. Lennar strictly adheres to the CAN-SPAM act and will immediately remove your email address from our records upon request. This e-mail may contain information which may be confidential or privileged. If you are not the intended recipient, please immediately notify the sender at the e-mail address referenced above and delete this email without copying, distributing, or disclosing it. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions, which may include the use of designated lenders or closing agents and are subject to change or substitution by Lennar without notice. Equal Housing Opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an invoice and I dont know who this company is or what this is for
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account Comenity Bank/Victoria Secret. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX  it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What comenity bank then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX  under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX  with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new comenity  Victoria account number and as per FCRA LAW 605B its should be permanently deleted from both XXXX and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they  should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with XXXX  they are Comenity/XXXX, XXXX, and XXXX  XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Product: Credit reporting or other personal consumer reports

This now marks XXXX days with no dispute results. Company was supposed to submit online response the XXXX. They closed dispute with no remarks. This was after they were told they only had 15 days due to failure 30 days ago and they gave themselves XXXX + XXXX and still failed to resolve issues. Company lack of care has resulted in failure to apply for auto credit due to failures to investigate.
Product: Debt collection

I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open XXXX Debt Paid in Full : This debt has been paid in full, and the company agreed to remove all negative reporting from my credit report. 
Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you : Provide the last billing statement from the original creditor, showing the amount due and the date it was due at the time of payoff.

Correct the status of this account to reflect that it has been paid in full and remove the " Charged Off '' designation.

Confirm that the negative reporting related to this account has been removed as per the agreement.

If you can not provide this information, I request that this account and any associated negative reporting be deleted from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
Product: Checking or savings account

received an offer in the mail for a {$500.00} credit after opening a XXXX checking account, code XXXX. I entered the info at santanderbank.com/XXXX as instructed, set up an appt to open the account, which was handled in person by XXXX XXXX. He knew of the offer, knew it was the only reason I was opening an account, and still signed me up for an account that was not eligible. He also failed to inform me of a minimum balance requirement until after the fact. At which time I deposited the necessary funds. he said to wait 120 days, then now, in XXXX he told me I wasn't eligible for the credit. I spoke to customer service and they said he ( XXXX ) would need to appeal on my behalf. Which he of course has not done
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the XXXX  XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX  XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.
Product: Debt collection

Presented to XXXX hospital as directed by health dept for covid testing XX/XX/2020. There were no tests but based on symptoms that were still unclear and not uniform for most of the public, I was deemed not to have covid based upon my reply to the question whether I had contact with and infected person. Since there was no testing, I'm not sure how I would know that so my answer was how would I know if I was exposed as no testing is available. 

The physician stated that i do not have covid but stated he could give me a XXXX XXXX for what I assumed was a diagnostic test to determine if XXXX had signs of XXXX XXXX. 

I was later billed for the testing, that I understood to be covered by the cares act. I was told ( despite my medical records ) that i did not present for covid testing so I am liable for the cost of the visit. I was financially blackmailed until I paid a lesser amount and was avised that this reporting would be removed from my credit report. once paid, i got a receipt but they refused to remove the acct from my bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported inaccurate credit reporting information of amount owed since 2016. I have contacted XXXX by mail as well as submitted two ( 2 ) disputes to Transunion, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. XXXX XXXX XXXX is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.
Product: Credit card or prepaid card

This complaint is a follow-up to already open complaint # XXXX. Please see attached copy of both this new complaint and the prior complaint for background. Company still has not addressed and resolved any of my prior expressed concerns, and JPMorgan 's executive office liaison has not been responsive to my inquiries since opening a CFPB complaint on XX/XX/2020.
Product: Credit reporting

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX company is charging me over {$2000.00} for non-existent or pre-existing damage to a rental car I rented from them. I rented the vehicle from XXXX XXXX, starting at the XXXX, CA, airport and ending at XXXX  XXXX XXXX XXXX XXXX VA. I am XXXX XXXX XXXX and recently returned from 5 years stationed overseas. I used the rental vehicle to transport some items we had in storage in CA back to VA, my new duty station. Please see attached claim accusation letter from XXXX, my response to my insurance company, and photos of the pre-existing damage to the vehicle. USAA ( my insurance company ) found me at fault, which I think was based on the low dollar amount of the claim. I did not damage this car and that is why I am seeking other means for justice. I have done some internet searches and it appears that this tactic by XXXX is quite common. Please let me know if there are any additional questions or need for info. Thank you for your consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX  XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XX/XX/2019 my XXXX XXXX XXXX was repossessed without any notice. When the man came to the house I immediately called Wells Fargo Dealer Services and explained that I had had a disabling accident on XX/XX/2019 but my payments had been made up to XXXX. I had called multiple times in XXXX and explained my situation and was told I was okay as long as it was not six months before there was no payment. I was working on my son paying the vehicle when they came and repossessed my car. They refused to stop the repossession when I was on the phone with them at the time the repossession company was at my house. I received no phone calls, no communication at all that the car was going to be repossessed. Then a year later a towing company tried to get me to pay them over {$3000.00} for the towing and storage of the vehicle. Wells Fargo has sent me about {$2000.00} in " fees '' the over charged but I only owed {$3700.00} on my car, they left me without a vehicle while in a severe medical emergency. I paid {$14000.00} for the vehicle and I believe they owe me everything I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow a charge off or negative account info over a account that is erroneous and factually incorrect, in XXXX I disclosed and sent fraud forms signed and notarized to XXXX XXXX XXXX..over purchases made on my prior credit account with XXXX, I did not purchase the tires and disputed it, they closed account ..then last year reported it as a charge off ... when I never purchased anything personally, nor do they have my signature of it ... Experian continues to list this , even though XXXX XXXX and XXXX have both removed it  ... thus low balling my credit fiche score ... almos 100 points below both above stated, my score is XXXX XXXX XXXX, XXXX XXXX reflectively ... Experian has me at XXXX XXXX Very low for my excellent record ... they also have no customer support, they do not answer phone, and hang up ... after you await transfer ... total scam
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Capital XXXX auto finance account number XXXX balance {$32000.00} open date XX/XX/year>. 
Credit collection service account number XXXX account balance {$240.00} XXXX XXXX XXXX account number XXXX account balance {$1500.00} XXXX XXXX XXXX account number XXXX account balance {$1000.00} XXXX XXXX XXXX XXXX  account number XXXX account XXXX In all the inquiries, please delete
Product: Credit card

Synchrony Bank/PayPal Credit refuses to refund a purchase I made on XX/XX/year> for {$150.00}. I cancelled the order by emailing the merchant within 2 hours after placing the order. The merchant apparently still shipped the item to my home address, but I never received the item ordered. I've tried contacting the merchant with no response. I've filed multiple disputes with Synchrony Bank/PayPal Credit and they refuse to issue a refund for merchandise I never received. I've filed disputes with XXXX, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX with no results supporting my conundrum. Meanwhile, Synchrony Bank/PayPal Credit continues to contact me by phone, email, & mail for payment and are adding interest & late payment fees making the total balance due {$260.00}. Now my credit rating has dropped from XXXX ( XXXX ) to XXXX ( XXXX ). I will not pay for something I never received. Synchrony Bank/PayPal Credit needs to do the right thing and refund my account to a {$0.00} balance.