23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

hello i was reaching out to see what else i can do, someone took all of my personal info from my car and used my personal info debit cards and social to open up accounts and also put fake checks into my account that's preventing me from being able to open an account and also ending my relationships with my bank I've been at for years. i called complained and did so much more and still haven't got an answer i even asked could they look at cameras to see if they see the person doing this to me i am very upset this is taking over my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there " XXXX XX/XX/2020 '', it has been on my consumer report for about a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 inquires from SYNCB/Paypal that are in my credit file that I didnt authorize. 
SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) SYNCB/PAYPAL ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sct ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Checking or savings account

I posted a few items for sale on XXXX. The next day I got an email that looked to be from XXXX saying my item sold. There was a link to go to to get paid. I clicked the link and was taken to a page that looked to be XXXX. I filled out the card info and they said there would be a transaction to verify and for me to do that and after I did they took out one transaction for XXXX and then another for XXXX. I called my bank to stop the payment because it was still processing. They would not do this and told me to dispute it when it went through. I did the dispute now twice and have been denied both times. I provided them with everything to prove that I was scammed but it did not help so now I have lost almost {$400.00}. I wish they could at least say they will close that persons cash app so maybe they can't do it to anyone else, at least from that account anyway. Instead I was told I'm just out of luck on my money and they can keep scamming people. This was someone pretending to be a legitimate platform I was selling on and I was to be getting paid not paying anyone. I was scammed and they should not do business with this individual or business anymore.
Product: Credit reporting or other personal consumer reports

I NOTICED I HAVE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT, I HAVE MADE AN FTC REPORT AND I WOULD APPRECIATE HELP GETTING THESE REMOVED CAPITAL ONE ( Bank ) XXXX XXXX, XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE XXXX Bank ) XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.
Product: Credit reporting or other personal consumer reports

Hello, Im a XXXX XXXX XXXX XXXX  man. I have never missed a payment on any of my credit nor mortgage nor student loan accounts my entire line ( 13 years of all payments on time ). 

I had just bought my first small home and remodeled it with my wife. The whole family helped and it took a year of hard work and hard earned money to get it the way we always dreamed of small but cozy with a family feel. 

Then, right when we finished the remodel, XXXX nationally declared hurricanes hit our home back to back and destroyed the entire home inside XXXX feet of black and salty water came in even though we had sandbags and flooded the whole house and destroyed everything. We had to jump out of the house and swim to safety half a mile away where the fire department and ambulances were waiting for people. 

I called XXXX XXXX for help. They told me they would let me postpone my payments until XX/XX/XXXX and that wed apply for a program to move the payments to the back of the loan. I called them at least XXXX times every single person told me I didnt have to make a payment at this time because I was on their disaster plan and that theyd applied to underwriting to have my loan balance put to the back of the loan. 

I kept calling and asking if there is anything I had to do. They took the same information about it my income and everything multiple times and then kept saying they had to do it again. Finally, I got an alert that they reported 3 months of past due mortgage to the credit reporting agencies! That is scandalous! All they had to do was call me and tell me that I need to make a payment or anything. They never even called. And every time I called it is still in some process of underwriting. They wont give me a simple answer of when my next payment is due and they cheated me by going after a disaster victims credit for no reason when I was in contact with them the entire time and they promised me I was on a disaster payment postponement. I am so hurt by XXXX XXXX. They XXXX XXXX XXXX XXXX XXXXXXXX with this going after the most important thing I have my credit for no reason especially after telling me on XXXX different occasions that no payment was due and especially since I was on their hurricane postponement plan and my entire home was destroyed by a national disaster. This is so horrible and evil. How could they do this to my wife and me? This isnt XXXX, this is destroying someones entire life by reporting to the whole world that I dont pay my mortgage even though it wasnt supposed to be reported! 

If they do not resolve this I am posting this to the XXXX  to help and warn others so that they dont get their lives destroyed by XXXX XXXX and Im also going to small claims court for the maximum amount of compensation because destroying my credit and not letting me refinance nor buy a car nor anything will cost me tens of thousands of dollars and incredible suffering. Theyre punishing the person who is talking and working with them and never missed a payment in his entire life! Scandal
Product: Prepaid card

This is yet another US company based in California that operates above the law. As with other US entities in the same State, he company has caused specific damages against me. The company misrepresents the facts. There are days and weeks of lapses without updates to my financial deposits. It's customer service is rude. The company then blames the employer. There are ongoing inconsistencies and wages are not made available. The company further gouges consumers extensively with pay to own products. It's unclear as to why racketeering networks like this continue to operate specifically in California with impunity. The company imposes excessive fees on transactions.
Product: Debt collection

On three separate occasions, I canceled my XXXX  mobile service, yet I am still being charged and now it is in debt collection. 

Each time I canceled with XXXX, they said it was canceled but it has yet to be. I contacted them both via telephone as well as chat. I am currently in collections for XXXX months worth of charges. 

I have a screenshot from the last chat conversation on XX/XX/2023 where the agent wrote " I have canceled the lines ... ''. I also confirmed that the only amount due was about {$100.00} and he confirmed that. I was then subsequently charged for XXXX more months and it is now in collections. 

It takes no less than a half hour to speak to someone, each time I have reached out. I am exhausted of fighting a bill that I dont know and now my XXXX XXXX is in danger. And all for a service that I never used once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had my loan and I had applied for covid relief and was approved in XX/XX/XXXX. Once approved and XXXX sent the check to XXXX mortgage mid XX/XX/XXXX they had changed my loan to lender XXXX XXXX XXXX. Who sent me papers in XX/XX/XXXX. Once I contacted them and explained the situation they put a hold on my account as they were new lender and I advised XXXX had sent a check out to XXXX XXXX  in XXXX. They said contact XXXX about issue but they had a hold on account. I called XXXX and notified them of the new lender XXXX XXXX XXXX and they stated the check had been returned and to send them papers from new lender and they will get check rerouted. I sent this in XXXX also. Contact XXXX XXXX  and told them XXXX stated they would reroute the check. This went on and on for XXXX  months the back and forth until XX/XX/XXXX and the check was reprocessed and finally received from XXXX in amt of $ XXXX which paid mortgage up to XXXX of XXXX. Called XXXX XXXX and followed up and they stated as well payment received and up to date so the issue is how they reporting late to my credit which is against Federal Law when they just came into the picture and the account was on forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am currently on XXXX XXXX with the United States XXXX, assigned to XXXX XXXX, Louisiana. While on XXXX XXXX I purchased a XXXX XXXX XXXX automobile. The vehicle was financed with, and mortgaged to, GM Financial for approximately {$26000.00}. Because I fell into arrears on my monthly payments ( approximately 2 months ), in XXXX, XXXX, GM Financial seized the vehicle from my residence at XXXX XXXX, Louisiana, without any notice to me and without a lawful Court Order. 

GM Financial has a mailing address of XXXX XXXX XXXX, XXXX, Texas XXXX ; telephone no. ( XXXX ) XXXX ; FAX : ( XXXX ) XXXX
Product: Vehicle loan or lease

In XX/XX/year> my vehicle was repossessed. I am requesting the following information : Itemization of Account : Kindly provide a detailed breakdown of all charges, fees, and expenses associated with the aforementioned account. * Documentation Regarding Original Contract : Please furnish all relevant paperwork pertaining to the original contract, including finance documents signed and a complete account payment history. * Repossession Details : I seek clarification regarding the repossession of the vehicle linked to this account : * What was the amount for which the vehicle was sold at auction? * When and where was the car repossessed? * What was the amount due upon repossession? * Compliance with Illinois Repossession Laws : I request confirmation on whether the original creditor complied with Illinois repossession laws throughout the repossession process. * Statute of Limitations : Kindly provide information on the statute of limitations applicable to this account, along with a detailed explanation of how it was calculated. * Participation in Lawsuits : I inquire about the possibility of joining any lawsuits that may arise against the original creditor. Please advise on the procedures necessary for participation in such legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$200.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$1600.00}
Product: Debt collection

Never applied forreceived an email from a collection agent for XXXX for XXXX purchase, I have never purchased anything from XXXX.. I have never applied for credit from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account reporting on report as negative from XXXX XXXX has been disputed numerous times as it is not correct or adhering to the FCRA, and still has yet to be removed nor have I been provided with verification of the debt. I have not been sent information containing my signature that authorized such a transaction with this company.
Product: Credit reporting or other personal consumer reports

This is the third time XXXX XXXX XXXX has sent a bill to collections and the collection agency has incorrectly identified me as the owner of the account. Each time, the collection agency sent the information to credit monitoring services negatively impacting my credit. The latest agency is XXXX XXXX XXXX and the previous two were XXXX XXXX XXXX I have never held any account with XXXX XXXX XXXX. The previous two incorrect collections ( XX/XX/XXXX and XX/XX/XXXX ) were deleted from my credit reports and the third is pending ( XX/XX/XXXX ) I have asked all three credit agencies to verify additional information and my credit has been locked since the initial issue.
Product: Debt collection

Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer XXXX  XXXX XXXX at least $ XXXX. We have been divorced for nineteen years. I have never had an account with XXXX I have never acknowledged this debt. It is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXXnquired on XX/XX/XXXX.
Product: Payday loan

I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian credit report. 

DISPUTED ACCOUNT XXXX XXXX XXXX {$18000.00} Account numberXXXX Closed ( For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

I have requested the credit bureau to correct their mistake. Please see attached letter.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called Bank of America about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and XXXX  out the account. Now months later I am trying to open another bank account, and they have reported false information to XXXX. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and XXXX  and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.