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

Had an auto loan with wells Fargo in 2009. Hit some hard times as a single father after I was left by my son 's mother. Tried to work with the bank on making payments. Every month I would call in and talk with wells Fargo. It was to the point the only payment option was to   XXXX   XXXX   the money in. I called in to let them know I was just getting out and had to go home to get the cash to pay up the account and do the next month in advance. The rep on the other end told me not to bother making the payment. They would be taking the car back. I asked to talk to a supervisor and was told I could n't. Said I was making the payment ether way. I drove home took 30 minutes. Not even 5 mins after getting there the tow truck showed up to pick up the car. Talked to the driver he told me to call in. Second call of the day told the woman on the other end what I had already told them before. Even told her to ask the driver how much cash I had in my hands at the time about 2000. She talked to the driver for just a min and they took the car. After that made attempts to call in to resolve the past due balance the only thing they would take was the full balance. I told them it was n't possible and that I had the past due and the next month 's payment and they refused to take it or allow me to go make the payment. Said that if they would n't take it then them taking the car back would be the end of the loan. They sold the car for just  XXXX . Now over the past six months I have been trying to deal with the same loan. They have now been sending court documents and other things to my old address I have made multiple attempts to contact the lawyers office to only get voice mail. Have given my new address every call still they have n't changed anything. They even garnished my wages from my last job. Now the balance owed was over 11000 and they have took over 1500. I feel I have been blocked at every turn from the loan payments to the court orders and judgements in their favor as I was unaware of several court dates due to the lawyers repeated refusal to talk to me or update their files.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

We opened a crypto trading account with Bitstamp USA to begin trading crypto currencies. We wired XXXX into our account to begin trading with. We purchased XXXX k worth of XXXX and immediately after that transaction our account was locked for no apparent reason. We went every security verification process they had for us without any issues. 
We have called and emailed customer support without any reasonable explanation as to why our account is locked. These calls and emails have been made daily for the last several weeks without any indication of resolution.Further online reviews revealed numerous Bitstamp USA customers with the same issues as ours. It seems they are dishonest and are trying to steal their customers assets. All we want is to be able to withdraw our funds and crypto as we should be allowed to do .We cant think of or find XXXX valid reason why our account was locked from trading and we can not withdraw our money. PLEASE HELP US get our hard earned money back Thank you
Product: Debt collection

I believe this collection was placed on my XXXX credit file on XX/XX/XXXX in the amount of {$200.00}. I did not know about the negative entry on my file until on or around the end of XX/XX/XXXX when I sent ( via USPS ) a full validation request because I have never heard of this collection agency. I have never had any dealing with them, I have never received any mail from them ( until after my validation request ), I do not know or have I ever received any services from the listed original creditor and lastly, I do not have any contracts with either obligating me to any debt ( and to date they have not been able to provide any ). In addition all letters read as they are coming directly from the original creditor and re-direct you to contact them. ( ( See attached letters ).

I received two letters from this collection agency dated XX/XX/XXXX. ( Please note that we are in XX/XX/XXXX not XX/XX/XXXX ) and this is just a sloppy attempt to collect a debt and probably just revised form sent to me without a final quality control check ). One stating XXXX XXXX XXXX has conducted its own investigation and has determined the account is accurate and my responsibility. The other stating that an investigation between them and the original creditor is still ongoing. So which is it? How can one letter state that they have made a conclusion the debt is valid and the other state they are still investigating it. That makes no sense. That means they placed this erroneous and damaging information on my credit report before solely based on receiving misleading information from what source??? If they can provide proper validation in the reasonable amount of time I have given them ( 5 months ), then certainly I must assume they do not have any competent evidence or paperwork to substantiate this false claim. 

I received a 3rd and 4th letter ( separately ) once again stating they are still investigating the matter and another alleging they confirmed the debt but do not recall the dates because all of the letters are dated XX/XX/XXXX and I did not keep the envelopes they came in. 

I immediately followed-up with a second validation letter ( dated XX/XX/XXXX ) to inform them that they failed to validate the information and a request to explain the contradiction above. Since they saw fit to damage my credit, once again, they must have all of the proper information to collect any money from me. 

As stated in my validation letter, I have no recollection of receiving any services from the original creditor. In fact, I am very sure I have not. I do not live anywhere near the location of the original creditor so there would be no reason for me to render any services from them. 

To date I have not heard anything back from my 2nd request of validation, yet this information continues to damage my good credit.

I demand this agency cease collections immediate and remove this item from my credit if they can not validate the account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received hard inquiry alerts from Expirian,  XXXX and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Product: Debt collection

Repeated calls on my cell phone from BBVA Compass at XXXX and XXXX   concerning some type of debt of which I have no knowledge. I attempted to contact the caller  but was able to do so. It is not my debt. The debtor 's name caller use is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a check to settle a collection account for less then full balance. Check was received and credited on XX/XX/XXXX however on XX/XX/XXXX company reported the account to all 3 credit bureaus as an open collection with an adjusted balance due to reflect the settlement payment.
Product: Debt collection

As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.
Product: Mortgage

Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from Honda Financial. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX Honda and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at noon on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX Honda that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by Honda Financial on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

An unknown person appears to have opened several lines of credit in my name from a company called Affirm.com to make a series or large purchases at XXXX. 

I have not requested any loans of any kind from any company. I have never had any relationship with Affirm.com. I do not shop at XXXX. I am a US citizen XXXX XXXX in a country where neither XXXX nor Affirm.com operate. 

In order to even inquire about this fraudulent activity, Affirm.com required me to divulge sensitive personal information. I do not know anything about this company, and I have no reason whatsoever to trust them with ( for example ) copies of my US Government issued identification. It is difficult and perhaps impossible to contact any anyone at Affirm.com without first disclosing personal financial information to them. It is particularly alarming that all contact information for their general counsel seems to have been carefully scrubbed from the internet. 

I do not consent to ANY kind of relationship with Affirm.com. It does not seem reasonable that one should have to hire a process server to deliver this information when an email would suffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX, XXXX I sent a letter to Equifax for them to verify/investigate the accounts, collections, and inquiries on my credit report. On XXXX XXXX, XXXX I received a letter from Equifax stating they are unable to locate a credit file for me. I have a hard time believing that, seeing is that I sent a copy of my id and social security card. I 've sent letters and called Equifax in the past and they were always able to pull up a credit file for me. I 'm not sure what 's going on now, but this letter is incorrect. I need Equifax to verify all accounts, collections, and inquiries on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Waypoint resource group XXXX unauthorized use of my information sent to third parties wrong address several phone calls etc;
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX of Caine & Weiner ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a business license first of all, & secondly while I do in fact run a small business, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ 3k+ debt would remain in collections. I have already updated my address info with the city regarding my business long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
Product: Prepaid card

I received an email saying that I had signed up for a Netspend Prepaid Account using my email address. ( www.netspend.com ) I tried to log in and reset the password, but this was not able to work for my email address. 

I live in the XXXX, so I am unable to contact XXXX phone numbers on my phone contract so I am unable to call them. 

They are unresponsive in email, and claim that it is a data protection issue to resolve the issue over email, depsite myself explaining that there is identity fraud being used using my email address attached to the account. 

They will not close the account linked to my email address, and when I asked them to call me, they arranged a call, but the call never came.
Product: Credit card

Over the course of the last two months, I have received XXXX department store credit cards in the mail for which I have accounts with but the names on the cards were not mine. Perhaps coincidentally both department stores ( JC Penny and XXXX ) are now serviced by Synchrony Bank. After speaking with Synchrony, they indicated someone tried to charge amounts on my card utilizing my SSN but the 'system ' rejected the charges and the account ( JC Penny ) was put on hold in early XXXX 2016 unbeknownst to me. I have been a victim of identity theft for over twenty years and continue to be amazed how easy it appears to be to obtain credit utilizing a name that does not match a SSN given all the new rules and requirements put in place. I asked Synchrony if they have had a recent data breach in which my account numbers and SSN were compromised and at that point the individual stopped providing information/insight. I would like to know the following 1 ) did Synchrony have a data breach recently, 2 ) how they let someone other than myself to approve adding a name to my account and 3 ) why the individual that requested the additional card is not being prosecuted for Credit Card fraud.
Product: Credit card

I received notification via email on XX/XX/XXXX from Capital One that my credit card account was closed due to inactivity and responded that I did not want the account closed. I planned on making a significant purchase with this card in the next month. The closure of the account caused a drop in credit score and significant loss of credit line. I contacted Capital One via phone on XX/XX/XXXX to see if the account could be up and running again and was told no, the account is permanently closed and nothing can be done.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and I request that the following fraudulent account be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Account to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$0.00}
Product: Debt collection

Last year I sent a disputed debt letter that was signed via certified letter from XXXX XXXX. I requested debt verification and an itemized statement or a summary of the initial charge. Nothing was sent other than a lump sum amount due without explanation. XXXX v XXXX affirmed in the 6th that debt collectors must provide a minimum verification that a consumer could dispute the debt. XXXX failed to do so yet continues to illegally collect the debt and even filed a derogatory statement on my credit earlier this year. Even though, if the debt was legitimate all they would have to send is an itemized statement. They refuse as the debt is not verifiable. I personally went to collect the letter from the hospital directly and one doesnt exist. 
Fast forward to XX/XX/2019, I filed a complaint with my credit agency and XXXX   removed the derogatory statement because they couldnt provide the necessary information. Proof attached. 
Now, without any more or new letters or proof sent they attempted to hurt my credit again but have changed the debt amount. Without any new contact or letter. 
Its harassment and illegal and it continues without new proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 

1XXXX XXXXXXXX Account XXXX XXXX 2XXXX XXXX Account # XXXX 3.XXXX Account # XXXX 4XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.