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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called BBVA customer service about getting into my Simple account 8 times this morning at about XXXX PST. The service reps did not say anything at all or said they couldnt hear me when trying to receive help with my account. Their website says I need to call somebody for help, but wont put me through to anyone who will help me and now I am still locked out of my account.
Product: Consumer Loan

XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. 
Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. 
No itemized information about proof of last activity date was provide to me. 
XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.
Product: Debt collection

I am being charged for something that I didn't do by XXXX XXXX they filed this in XXXX and I been out of that residence since XXXX due to XXXX XXXX that I went through with my ex because he almost killed me but not only they pin this on me when it was squatters who did it they sold my information to a collection agency without me knowing this and I didn't sign any paperwork for them to do this it is against the law code 15 USC1681B for them to sell your information without you knowing
Product: Money transfer, virtual currency, or money service

I use M & T bank. I get scammed recently by somebody and this person told me to send them money. The scam was about a job. They send me a check for about XXXX $ and they ask me to send this money for the supplier for some supplies. They ask me to send it through XXXX  money transfer. They ask me to send XXXX XXXX They then send me another check for about XXXX XXXX When I realized I get scammed after 24 hours from money transfer, I went to the bank and told them the story and I asked them to stop this money transfer, they told me they can't. At the same time, they accept the checks firstly online, and after that they told me it is fraud.
Product: Debt collection

IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID
Product: Mortgage

I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX
Product: Debt collection

The company Im disputing is Great American Finance, I had gotten a lawyer a while ago, and got all my debt cleared up. This specific company came back on my report stating that I still have a past due balance due. Even though I disputed the amount to them, it came back as current info. I have tried calling this company numerous times to get a hold of someone to get a better understanding as to why it came back on my report, and/or I will just pay it off so its not on my report again. Please help the best you can. Thank you a lot.
Product: Checking or savings account

Company involved : CitiBank Type : Fraudulent withdraw Request : Video proof of who withdrew that money to prove my innocence and get my money back. 

Action taken by me : provided GPS location proof of that day to CitiBank, as well as security camera footage at the company. 
**** This case was originally filed in XXXX, California where I live, but was told by the XXXX police, XXXX XXXX Badge # XXXX that it has been transferred to XXXX XXXX XXXX on XX/XX/2023 due to the crime actually occurred there. XXXX Police Report ( Incident Report Request ) # XXXX. XXXX Incident Report # XXXX On XX/XX/2023, there were fraudulent in-person withdraw at a teller from my banking account at the CitiBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The person has used a fake ID and a different signature from mine to make the withdraw. There were 2 fraudulent withdraws at the bank teller ( {$9000.00} & {$8500.00} ) and 1 with a fake check ( {$4200.00} ). When this was happening, I was in XXXX XXXX working and have shown as much proof as possible to my local CitiBank for a refund. CitiBank is insisting that because the withdraw was made in person in XXXX XXXX, that I was the one that committed the crime and keep closing the case. No matter how many times the case has been reopened and reinvestigated, CitiBank insists that I am in the wrong. With the withdraw being at a teller, there must be a video proof. I would like a copy of the video. All I want is to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Product: Credit card

Wells Fargo allowed unauthorized access to two of my credit cards with them, allowing unauthorized cash advances of {$16000.00} and {$3700.00} from cards to my checking account. Then Wells Fargo allowed unauthorized wire transfers out of my checking account. They have found these charges were unauthorized and notified in a timely manner to cancel transactions but they did not do this and have not refunded these amounts. Wells Fargo needs to remove these unauthorized charges from my accounts.
Product: Debt collection

On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX  a 3rd party collections agency ( XXXX  ) XXXX   When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX   sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX  county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My lease ends XX/XX/2019. And due to certain circumstances, I wanted to sell the leased car to a 3rd party vendor before my lease expires. 

XX/XX/2019 : I called Chrysler Capital to evaluate my options and if I were able to sell the car to a 3rd party dealer. I was told it was an available option and that the dealer would need to call Chrysler Capital for the dealer payoff quote, but no one ever mentioned any time restrictions XX/XX/2019 : When I was about to finalized the transaction with the 3rd party dealer and reached out to Chrysler Capital for the dealer payoff quote, I was told that was no longer an option as it was within the 60 day windows of my lease termination. I literally missed my 60 day window by 1 day. 

No one had informed me of this 60 day window, not even when I called on XX/XX/2019 when I had inform the call representative of my intention to sell to a 3rd party dealer. I reviewed my lease contract and I also dont see it written anywhere. 

Because of this lack of transparency, it has completely derailed my original financial plan. Chrysler Capital needs to make these restrictions more conspicuous. I still dont know where this 60 day restriction is listed on my lease.
Product: Credit card or prepaid card

I bought an American Express gift card for {$500.00} on XX/XX/2023. When I tried to use it, it had XXXX balance. I called American Express, and I made the dispute sending them all the documents they asked for. I called several times but did not get any help. So today I called back. They had closed the dispute saying it had been resolved They said they refunded someone that called but would not say who. The card has never left my hand. No one else has it. I really need a refund or at least a card to replace this one.
Product: Credit card or prepaid card

I received a phone call on XX/XX/2020 at XXXX PST from caller ID 'Jpmorgan Chse ' tel number ( XXXX ). They said they were with JPmorgan Chase and were offerring 0 % interest for a limited time on my current card. They had me wait on the line and this guy picked up and immediately asked for my full name, then asking for my credit card #, and asked if it was Visa or MC, and what my balance was on the card, to see " if I qualify for the promotion. '' They also asked for my bank account number and bank name. I didn't give any information because they were rude and demanding my information. I immediately suspected it's a scam. Please don't fall for this scam and let others know!
Product: Money transfer, virtual currency, or money service

Cash app has been an issue for me for quite a while in regards to an old account that I am the owner of but unable to access due to outdated and expired information needed to verify. 
I have an old account with cash app tag ( XXXX XXXXXXXX ), and when I XXXX in XXXX of this year, several people cash apped me to this old account. I have tried numerous of times to get answers on why I can not access my cash app funds. The phone number I had when I opened this old cash app account is on my public record as me being the owner. i however, have gotten a new number and have had the same number as of now ending in XXXX for the past 6 years. The phone number they have on record is XXXX. Cash app also wants to verify you using an expired credit card used to originally link the account which after 6 years has been expired/ and lost and wouldnt have that information. I have given Cash app my full name, and gave them the old number I used to have, but can not verify the debit card with the first XXXX digits they are requesting from me. I think its crazy. I have offered to submit my ID and also other information to verify it is me. Clearly the linked bank card they have has to have an address that is mine that is associated with my old and new account. My current account is XXXX XXXXXXXX. I would like my funds that are in the old account ( XXXX XXXX ) to be transferred to my new and current account. I have had the person call cash app who sent money to my old account and due to security reasons couldn't disclose information to them, and advised I call in. Which I have and even was on XXXX with cash app to verify each party. I still havent had my money refunded, nor was the account totally closed because the person who sent money even canceled it on their end, and was told after 10 days the money would be refunded. That still hasn't happened. I would like my money to be deposited into my new cash app. I know of at least XXXX dollars in the old XXXX XXXX account. The transaction id is # XXXX and the sender was XXXX XXXX with cash app tag XXXX XXXXXXXX. This was sent on my XXXX XXXX XXXX XXXX XXXX XXXX to my old cash app tag stated. The email I got as confirmation and even tried to verify with Cash app my email associated with the old cash app which is ( XXXX ). So I want my money immediately, as I have waited long enough. Spoke to several managers at Cash app with no resolution. Its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts, addresses, and inquiries was open without my permission. I have contacted experian XXXX and XXXX about this fraud issue but not resolved despite my federal trade commission XXXX and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$15000.00} XXXX  XXXX, XX/XX/XXXX, {$2800.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX Experian XXXX XXXX, XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX at La XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Consumer Loan

Honda Financial Services is reporting to all three credit bureaus inaccurate information - showing 60 days - NEVER BEEN LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX DPT EDXXXX : XXXX XXXX XXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT ED/XXXX : XXXX DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

I get repeated calls from this company and this debt was already settled and I have copy if needed
Product: Student loan

I originally borrowed XXXX in student loans maybe 20 years ago. I pay {$67.00} dollars a month based on my income. I now have a bill of {$520000.00} in student loans from FEDLOAN which bought it from XXXX. I have been a XXXX  in Mississippi for over 20 years in low income, low performing districts. Recently when i inquired about loan forgiveness they indicated that I didn't apply for it 20 years ago! This is the first time i was ever told i had to apply for it 20 years ago! They indicated that they are charging me {$99.00} per day in interest! This is crazy. My Net Pay is {$2700.00} per month. There is NO POSSIBLE WAY i can ever pay for the loans.Can you please help. I can't even buy a house or anything because this over inflates my income to debt ratio. ive served my community, state and nation proudly as both a XXXX  and a veteran. Can you please Help?
Product: Debt collection

I have received multiple calls from NES from ( XX/XX/2023 to XX/XX/2023 ) every day with no voicemails from XXXX to explain what this debt is or received emails for any attempts made. I have received calls and messages from my family members and boyfriend that they are calling them to get in contact with me immediately. Just today ( XX/XX/2023 ), my mother was called 3 times and was asked to provide my phone number and how to contact me. This is a form of harassment and I do not want my family members or boyfriend being contacted if a debt needs to be settled. I would like to receive a letter, email, or voicemail directly to myself.