23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello i currently have a vehicle that I feel like Im paying so much for it I feel so overwhelm I feel like the dealer just ripped me of for being a first time not that car is not even worth what I owe currently and the msrp for the car now is XXXX I would really like for someone to please help me get out this situation I been paying a high payment ever month and I think this is so unfair I tried getting in contact with the XXXX dealer and all they offer is for me to get a new car which I dont want to I want this resolve I feel so ripped of for the amount I already have paid the one I pay the car to is Santander consumer USA its a 2015 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to independent XXXX jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( XXXX ). I have filed complaints with XXXX to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit card or prepaid card

First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit. 
On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely. 
I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX  ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX  account. 
FICO score is fair. 
I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice. 
Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit reports.
Product: Debt collection

XX/XX/2019 XXXX EST - Returned call to Iq Data International - Informed that debt was owed by " XXXX XXXX '' - Requested debt verification letter regarding details, but " XXXX XXXX '' persistent that debt be paid immediately, prior to office closing at XXXX PST. Agreed to phone call return in 30 minutes. Stated that letter was sent to erroneous address on XX/XX/2019 and that they would sent to corrected address - Phone call made and then transferred to manager " XXXX XXXX '', requested receiving debt verification letter prior to acting on alleged debt citing " Fair Debt Collection Practices Act '', *audio recording available. 
- Aggressive response stating that by not paying debt at time of phone call, despite not receiving above letter, that he would mark encounter as refusing to pay, and would start making marks against credit score, lasting up to 7 years, and that when the debt was settled the marks against credit score would not go away.
Product: Money transfer, virtual currency, or money service

I received a fraud alert from my bank, Chase, on XXXX. They asked if I had made a XXXX transaction for $ XXXX. And to reply 1 for yes and 2 for no. I replied 2 for no because I didnt authorize this transaction. I didnt think anything of this because I get these texts all the time. They said okay and we will call you shortly to discuss. They soon called and had me enter my cell number back into my account to reverse the $ XXXX back to me. Because I was putting in my cell, I thought the funds were coming back to me. This entire time they are posing as Chase employees and the phone number is disguised as an XXXX ( a Chase number ). The exact same thing happened the next morning. I only realized it was a scam after the second call when the caller abruptly hung up on me. Then I knew instantly. I called the bank right away. They said XXXX is instant and there is nothing they can do. Although, I dont believe they did anything until after the holiday. I still dont know what happened. If my cell phone is entered in as the account number, how does the money go somewhere else?? Its just very confusing. My entire account was messed up because of this. I had to close my checking account and open a new one. I have a lot of automated bill payments coming out of my account, so this has been a disaster. Im still constantly getting Chase fraud calls. I think Im going to have to change my XXXX year old cell number : ( Ive been with this bank XXXX years, so Im not happy with the outcome. They said Im to blame and they cant recover the money, so no refund. I understand that I made a mistake, but how do these people pose as employees, text me from Chase Bank and call me from Chase Bank. None of that is my fault. 
The total amount I lost was $ XXXX ; $ XXXX for each transaction. Im a widow with a son starting his freshman year in college. I cant afford this. 
It has been submitted to fraud department twice at the bank. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance : {$23000.00}.
Product: Money transfer, virtual currency, or money service

I sent XXXX Euros to Coinbase.com via wire transfer and the money was not credited into the account nor refunded in my bank account.
The money was sent on the XXXX XXXX XXXX 2017 and I wrote them on the XX/XX/XXXX the first time. They replied with an automatic response on the XX/XX/XXXX but the answer was totally not related to my question.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that XXXX XXXX XXXX XXXX, account # XXXX entity id # XXXX its associates : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to EXPERIAN, XXXX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE XXXX AND EQUIFAX NEED TO DELETE ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED IMMEDIATELY.
Product: Debt collection

i dont know who this company is but I do not owe this account
Product: Credit reporting, credit repair services, or other personal consumer reports

During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been victims of identity theft. Someone stole our SS # and filed false XXXX XXXX XXXX returns on us. 

We live in the state of Oklahoma. The law in Oklahoma indicates we can freeze, unfreeze and refreeze credit without a cost. 

I tried to go online today to freeze our credit with TransUnion but they offer no option to freeze credit with the entry of a police report number or to upload the police report. My next step was to call them in hopes I could get this accomplished rather quickly and simply by phone. 

In my discussion with a person residing in XXXX who I could not understand, they again tried to have me provide my credit card information to freeze my credit. I informed them that I had been a victim of ID theft, had a police report and the law in Oklahoma allowed me to freeze our credit without cost. They refused to freeze our credit but instead required that I mail them a copy of the police report. 

After being asked to speak with a supervisor, again who I could not understand, I was told I had to mail them the police report. 

It would appear TransUnion is attempting to make this process as difficult as possible so as to avoid the placement of a credit freeze on our accounts. I find this totally unacceptable. In today 's society it would be very simple for me to upload a copy of the police report from my computer but there is no option to do this.
Product: Credit reporting or other personal consumer reports

Numerous inquiries on my report that do don't belong to be. Tried to dispute them with Experian and they want call these people that I have no business with. According to the FCRA they are supposed to remove any inaccurate information from my report. I did not make these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  Card appears twice on my XXXX report. I only have one XXXX XXXX card and the other account should be removed. This account is a duplicate and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX - XXXX Bal. {$1600.00}, XXXX XXXX Bal. {$210.00}, XXXX XXXX XXXX Bal. {$82.00}, XXXX XXXX XXXX Bal. {$760.00}, XXXX XXXX Bal. {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections, although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX, and the payment sent in my XXXX XXXX. I asked about the status of the account, and a copy of my statement, and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work, in a team meeting, when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. 

I have been requesting for three months with Synchrony Bank, Care Credit card, that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. 
I have been calling in for three months to follow up on my XX/XX/2022 letter, requesting the cease and desist order be removed. 

I also need a letter stating the account is paid, closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update my credit report.
Product: Mortgage

Hi, on XX/XX/XXXX I opened a CFPB complaint ( XXXX ) against Chase mortgage regarding the closing fiasco we had and the promise to reimbursement moving expenses. In their response to you and I as seen in the attached letter the {$1000.00} reimbursement was to be made within 7 days. The letter was written on XX/XX/XXXX and with the Veteran 's day holiday that would put today at day 9 and still no funds have been deposited. 

Upon my call with the Chase executive team today they stated that the money would not be deposited but mailed in a check. Delivery would be 7-10 days. What I did not get was what day the check was issued nor what day I should expect it. The attached letter and response to you and I did not mention mailing the reimbursement check for {$1000.00}. 

Why does Chase get to change the rules? 

I continually get the run around and a new excuse as to why I still have not received my reimbursement. FYI the closing is complete and this complaint is in regards to them not following the terms they outlined in the complaint resolution. 

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

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX Equifax XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Product: Mortgage

NEW EVIDENCE 1 ) WELLS FARGO CONTINUES TO STATE FALSE NARRATIVE PHONE RECORDS SHOW THAT MANY CALLS TO PERSONNEL FROM A XXXX IN TEXAS TO XXXX IN XXXX HAS ALWAYS BEEN RETURNED BUT XXXX PASS IT ON TO MESSAGING XXXX HAS NEVER RETURNED CALLS 2 ) CALLS TO NAME & NUMBERS OF INDIVIDUAL ANSWERING CAN NOT CONFIRM THAT THEY ARE WITH WELLS FARGO- LIKE SCAMMERS THEY ATTEMPT TO GET INFORMATION THAT IF THEY WERE WELLS FARGO THEY WOULD HAVE 3 ) CLAIMS OF INCREASING MONTHLY MORTGAGE DUE TO INCREASE IN ESCROW BECAUSE OF INCREASE TO VALUE OF HOME, COST OF INSURANCE AND TAXES HAS BEEN CONFIRMED WAS FALSE IN MONITORED RETURN CALL ON THURSDAY WHERE PERSON LEAVING MESSAGE INDICATES THAT THEY ARE AN ATTORNEY BUT THEY DO NOT LEAVE A NAME 4 ) IN # 3 THEY WERE INFORMED THAT PROPERTY IS BEING SOLD TO RELIEF OWNER OF ALL OF THE FALSE NARRATIVE & i EXCESSIVE CHARGES THAT XXXX XXXX OF SOUTHERN NEVADA XXXX XXXX A LAWYER " XXXX XXXX ) STATED THAT WELLS FARGO HAS A HUGE REPUTATION FOR ABUSES IDENTIFIED IN # 3 THEN LITIGATION WIL START FOR REDRESS & REPARATIONS LOST BECAUSE THE HOME WILL HAVE GO SELL FOR NEARLY NOTHING BECAUSE OF REPORTED STRUCTURAL DAMAGE THAT XXXX XXXX DID NOT DISCLOSE DURING THE SALE NOR TO THE TRANSFER TO WELLS FARGO. 
THERE ARE EXTENSIVE LAWSD THAT REQUIRE A SELLER- " XXXX XXXX  '' TO DISCLOSE CONDITIONS THAT " XXXX FAILED TO REPORT. 
& NOW WELLS FARGO HAS FAILED TO LITIGATE A CLAIM FOR DAMAGES AS THE PROPERTY CAN NOT BE BILLED FOR WELLS FARGO FALSE NARRATIVE FIGURES OF PROPERTY VALUE WHEN IN EXCESS THE PROPERTY WILL HAVE TO SELL FOR A " VAST LOSS OF VALUE '' 5 ) WELLS FARGO INSIST ON TAXES INCREASES EVERY 6 MONTHS IN THERE REPLY TO FORMER COMPLAINTS WHEN THE COUNTY HAS CONFIRMED THAT IT ONLY RELEASES TAXABLE INCOME EVERY YEAR- THUS WELLS FARGO FIGURES ARE PERJURY! 

6 ) & AGAIN XXXX  IS CLAIMING INCREASE IN ESCROW DUE TO INCREASE IN INSURANCE THAT IS BEING BILLED BOTH BY AXXXX XXXX XXXX THRU THE MONTHLY HOA DUES FOR THE STRUCTURE AS WELL AS THE INSURANCE WELLS FARGO IS CLAIMING FOR THE SAME STRUCTURE THAT CAN NOT SELL @ " ANY MARKET VALUE DUE TO THE DAMAGE TO THE STRUCTURE. 

WELLS FARGO MUST PROVIDE A SUBSTNATIAL REFUND TO CLAIMS OF ESCROW INSURANCE FOR INSURANCE THAT IS BEING DOUBLE BILLED TO THE PROPERTY OWNER. THE INSURANCE CLAIMED BY WELLS FARGO MUST BE REFUNDED -AS WELL AS XXXX XXXX DATING BACK TO XX/XX/2018 WHEN THE SALE -VOID OF DISCLOSURE WAS CLEAR TO CLOSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX number # 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 reporting or other personal consumer reports

I have a fraudulent account from LVNV FUNDING LLC. I did not authorize this account. On XX/XX/year> I sent my police report, License, and FTC report to XXXX about this account.
Product: Payday loan, title loan, or personal loan

I have been trying to update my bank account information with Money Lion for over two months now. I was told that I can not update my bank with plaid because it is not supported just yesterday XX/XX/2021. I was also told by XXXX XXXX that a supervisor would call me back regarding the credit reporting for XXXX and no one has reached out to me. Money Lion reported me 30 days late and havent helped me with trying to add my bank manually and now its on me to contact them so a payment can be made instead of fixing my issue. This is ridiculous! This is clearly a issue on their end and no one is taking accountability for their mishaps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident XX/XX/2021 my car was totaled in the accident and my insurance was going to pay them off so I called them the day I was hit and told them I wasnt going to pay my bill because I was just in a wreck nd insurance was going to pay for it. They said thats fine and the car was paid off in full by my insurance in XXXX and now there saying I missed a payment when they knew exactly what was goin on and they said it was no problem now it shows I have a missed payment I never missed a payment the insurance company paid it off. Why would I make a payment when they said they were in the process of paying it off that doesnt make sense. Capital one was a nightmare to work with and I feel like this is them coming after me
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment information on my Wells Fargo Mortgage is not being recorded by XXXX  as it is on XXXX  and XXXX. I have contacted Wells Fargo and they have reviewed and confirmed that the information has been given to XXXX  since XXXX of 2012 as it was with the other three agencies. I disputed this with XXXX  and they are saying Wells Fargo is not reporting the information. For some reason Wells Fargo information is accurate at the other two so why would XXXX  be any different. I have attached my XXXX  and XXXX  payment logs for proof of what I am saying is the case.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

I am filling this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Loan account opened XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.