23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I am a victim of Identity theft. I have taken all proper proceedings to recover my identity, but the credit restoration team through Experian XXXX has failed to help me with anything I was told. I continue to receive more and more unknown information on my report, my score is worse than when I started receiving their services. I have asked for certain things to be blocked due to identity theft and also looked into them, but none have been done recently upon calling because I am so upset with the lack of help I have received I found out upon the call they had closed my account without notifying me or telling me anything! I am supposed to have a four-year free subscription due to the identity theft so why my account was closed, I have no idea! They did open it back up but I am still unable to get them to help which has resulted in me losing my vehicle and not being able to get a new one because of the fraudulent charges on my account that have ruined my credit score and much more. I am a single mom to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX so this has taken a toll on my life and caused me to lose and continue to lose everything because Im getting no help and more stuff just keeps showing up on my report. I filed all the reports and turned in all the identification they needed to help with my case so there should not be any issues. They falsely advertise and do not help recover anything. I cant even get my case worker to answer or call me back. What is insurance for if they help you lose everything not regain your identity? I wanted to avoid bankruptcy but Im losing everything because of these identity thieves and no one is helping me so I feel like Im at rock bottom failing my family from this.
Product: Payday loan, title loan, or personal loan

This loan from XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX was taken out on an original title and also a car title loan. Which places a memorandum title under my name in the license bureau and occured wrong for a tow and repossession about the possession of the car. The tow place XXXX XXXX XXXX towed it and the lien holder picked up which to my understanding was the lien holder who's name was in the memorandum title with my name also on there as the owner bought for about XXXX but the auto loan was XXXX at the car lot in the contract. I have lost my contract and the memorandum title the date of purchase was XX/XX/. And I do not have possession of the vehicle. Because it was towed and is now in the lien holders possession in XXXX Ohio credit acceptance is in Michigan. For some reason I was not contacted about the repossession of the vehicle or the tow. So what was weird is that they picked up from the tow yard and has the lien holder doing so. But the repossession was supposed to go to XXXX XXXX I denie both the purchase and the memorandum title for only having put a down payment down. The repossession took place only because of one missed payment. Harassment came from the county court. And I don't know what happened but they took a driver 's license completely off the record before it was supposed to expire. I haven't heard anything about the car the loan or the reason my driver 's license was replaced plus someone is in possession of it the XXXX loan seemed like a car title loan scam. And plus identity theft because they would have to replace tags and they have been in title places taking off cars with original titles and it repeats about a XXXX XXXXXXXX I had like that could have been my fault on all three. They have wipes out my county record and no record of the spark so it seems wired about the loan from XXXX Ohio where I bought the car from. An extension of picking the car up went under I understand partly it's paid for but the title loan isn't from credit acceptance. There is civil claim attached to this I lost for my payments back for being in the middle of this loan on a car already bought.
Product: Payday loan, title loan, or personal loan

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused Citi Bank to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern 's about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This is about a XXXX report I reviewed and seen a negative account thats on there, the account is called XXXX- Thunder Road address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Date Opened XX/XX/2014, it states there is a XXXX balance but it also states the account got transferred/sold but doesn't give any other information, this doesn't Belong to me please delete Immediately.
Product: Debt collection

On XX/XX/2019, I mailed a letter disputing a XXXX on my credit report. I would need the actual signed contract or it needs to be removed because it being reported inaccurately. 

I asked that each account be verified by the original creditor. 

They never respond to my letter.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO CARD XXXX XXXX
Product: Checking or savings account

I was discriminated against by Bank of America when I went to deposit my cashiers check of over {$100000.00}. The bank manager told me they need to verify funds. I gave her the bank managers number for the verification. She verified and allowed the deposit. The system placed a hold on my cashiers check 5 business days. The next day they released {$5800.00} and 2 days later removed the {$5800.00} from my account after I paid bills. They caused my account to be overdrawn and my automatic payments could not be paid and I am unable to use my account because of the negative balance. I called the bank and they lied to me saying the bank took the money back because they placed a longer hold on the full amount pending verification. 

The following day I spoke with the bank manager about f the bank I purchased the cashiers check. He researched to see if they cleared the check. His system showed thw check was sent on XX/XX/XXXX and money was sent to Bank of America on XX/XX/XXXX. 

Bank of America has a hold on my money until XX/XX/XXXX and said it could be longer and not allowing me to use my account due to the overdraft. 

I received a letter from Bank of America stating that the hood was placed due to the information on the cashiers check saying funds might be returned. Upon me checking the back of the cashiers check from the scan I saw that it did not say the funds may be returned. 

I called the bank manager that issued the cashiers check and he confirmed that it does not say that on the check. 

I attempted to call Bank of America again to ask a legal reason for the hood and that the reasons they were giving were not true. They told me they have to have a supervisor call me back and I have not got a call yet. 

They are planning to have my money on hold for XXXX total days and that is over what they can legally hold. Bank of America was paid for my cashiers check on XX/XX/XXXX and holding my money illegally until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Several complaints have been filed with CFPB against Equifax for reporting inaccurate information on my credit profile which is a result of identity theft. 

First complaint was filed on XXXX XXXX XXXX XXXXXXXX. Followed by 2 other complaints for the same reason on XX/XX/23, Complaint # XXXX and XX/XX/23, Compliant # XXXX. 

Equifax has failed to remove or block inaccurate information that they are reporting which is a result of Identity theft. FTC Report, Police Report and Identification was provided several times to Equifax through Certified Mail and also through Equifax Online Portal. Equifax has failed to remove or block the inaccurate information ; Equifax provided false information to CFPB stating that they have completed the investigation and removed the inaccurate information.

Equifax also closed several of my disputes submitted through Equifax Online Portal but declined to block the inaccurate information. The inaccurate information that is still remaining on the credit profile are XXXX. XXXX XXXX - XXXX : XXXX XXXX. XXXX XXXX - XXXX : XXXX I am also attaching the letters sent to Equifax, the same information as also submitted through Equifax Online Portal for Disputes, yet Equifax failed to take any action.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Checking or savings account

I deposited {$3500.00} in Cashiers Checks written on XXXX today, XX/XX/20 and 20 % of should be available but it is not.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits this issue aligns with recent CFPB findings against navy federal for similar practices when transactions settled with insufficient balances despite initially available funds I believe their practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I asked the Credit Bureaus to investigate proper reporting regarding my Credit Report. However, I still see issues with my Credit Report. Transunion and XXXX are still reporting I had late payments with the following Student Loan accounts. This CFPB complaint ( # XXXX ) was previously fixed with XXXX on XX/XX/23, however is not reporting the same with the other Bureaus. I ask for them to remove the accounts entirely, or properly report they were paid on time and never late. 
Thanks, XXXX
Product: Debt collection

United Auto Credit denied affiliation with XXXX XXXX XXXX XXXX is not true non affiliation -. not associated with a particular group, organization, etc. 

affiliation-the state or relation of being closely associated or affiliated with a particular person, group, party, company, etc XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against United Auto Credit for False Statements and Misrepresentation in Debt Collection Dear CFPB, I am filing a formal complaint against United Auto Credit Corporation for providing false and misleading statements to the Consumer Financial Protection Bureau ( CFPB ) regarding their affiliation with XXXX XXXX XXXX XXXX XXXX XXXX, while allowing this firm to represent them in the collection of a debt allegedly owed by me.United Auto Credit has asserted that they are not affiliated with XXXX XXXX XXXX XXXX XXXX XXXX  However, despite this claim, they have permitted this firm to act on their behalf in attempting to collect a debt. This contradiction raises serious concerns regarding their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and their responsibility to provide accurate information to both consumers and regulatory agencies.I believe United Auto Credits actions violate the following provisions of the FDCPA:1. 15 U.S.C. 1692e False or Misleading RepresentationsUnited Auto Credit has made false statements to the CFPB and to me by claiming non-affiliation with XXXX XXXX XXXX XXXX, XXXX, while still allowing them to engage in collection activities on their behalf.This misrepresentation has caused confusion and uncertainty regarding who is actually authorized to collect on the alleged debt.2. 15 U.S.C. 1692j Furnishing Deceptive Forms By enabling a third-party entity to act as a debt collector without proper disclosure of their relationship, United Auto Credit may be in violation of laws prohibiting deceptive practices in debt collection.I request that the CFPB investigate this matter to determine whether United Auto Credit has engaged in deceptive or unlawful collection practices and take appropriate enforcement actions if necessary.Additionally, I ask that the CFPB : Require United Auto Credit to clarify their relationship with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and provide documentation confirming or denying any official authorization for debt collection.Ensure that United Auto Credit corrects any false statements made to the CFPB and does not engage in misleading or deceptive representations regarding their affiliations in the future.Hold United Auto Credit accountable if they have violated the FDCPA or any other consumer protection laws.Please let me know if you require any additional information or documentation to support this complaint. I appreciate your prompt attention to this matter. 

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

ON XX/XX/XXXX MY CREDIT SCORE DROP ALLMOST A100 POINTS DONT KNOW WHY.XXXX  XXXX MY CREDIT SHOWS A INQUIRY REMOVED AND FROM THE SAME COMPANY JPMCB A NEW INQUIRY WHICH I DID NOT APPROVE .I HAVE WORKED HARD TO GET MY CREDIT IN GOOD STANDING AND NOW MY CREDIT SCORE WENT FROM XXXX TO XXXX FOR NO REASON PLEASE HELP
Product: Credit reporting or other personal consumer reports

I am requesting the Credit Bureaus to please REMOVE the items I listed on this complaint and the previous complaint I submitted. As to be certain that my credit reports will be accurate, and the inaccurate negative items will stop harming my credit file. I NEED the Credit Bureaus to see the list below and please remove the items I listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts and inquiries on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint # : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info/Method of Verification Certified Mail Receipt # XXXX Dear Experian, Pursuant to 1629 ( g ), I am requesting the method of verification for the following verified personal information : This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the personal information shown on my credit report. 

Please delete the following inaccurate names : XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX not my name ) XXXX XXXX XXXX not my name ) My correct name is listed above in this letter. It should be only one name reporting and again that name is listed above in this letter. Delete these names immediately. 

Please delete the following inaccurate addresses 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  My correct and current address is listed above in this letter. 



Please delete the following inaccurate telephone numbers : XXXX ( not my phone number ) XXXX ( not my phone number ) XXXX ( not my phone number ) Delete these phone numbers immediately Please delete the last 4 digits of SSN : Delete the last 4 digits immediately By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.