23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mailbox, much like a desolate wasteland, remains barren of any clarifying documents or details that might shed light on the purported resolution of this matter. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the passage of more than 30 days, a time frame that surpasses the limits imposed by the Fair Credit Reporting Act ( FCRA ), I am disheartened to note the absence of verified information regarding the disputed fraudulent account. It appears that the bureau 's investigative prowess has yet to unearth the essential details needed to substantiate the accuracy of the reported information. I find myself caught in a paradoxical situation where the bureau asserts the accuracy of the information it continues to report, yet the very essence of accuracy eludes the confines of verification. It is akin to claiming to have found the missing puzzle piece while steadfastly refusing to place it in its rightful position. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

In light of the aforementioned circumstances, I must reiterate my unwavering insistence that the fraudulent account be promptly removed from my credit report. The continued reporting of this account without valid verification not only contravenes the principles of fair and accurate reporting but also perpetuates the stain on my creditworthiness.
Product: Vehicle loan or lease

My name is XXXX XXXX, I'm submitting this complaint on the behalf of XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I XXXX XXXX went down to a car dealership un the XXXX called XXXX XXXX at XXXX XXXX XXXX. I went down there because I needed a automobile & I had a coupon for {$1500.00} that the dealership put with my down payment of {$1200.00}. I was told I would need a cosigner & I asked my brother XXXX XXXX to be my cosigner & he sad yes & they asked him to send his information to a XXXX XXXX email & he did. XXXX XXXX comes into the mix by saying if you need another cosigner for her I'll give you my information & they put his name down on the intake form. XXXX XXXX the sales guy said that the car we have is a XXXX XXXX XXXX & I was like I prefer the XXXX XXXX he said we will work on that. So the loan officer came back to myself & XXXX XXXX & said this is going to be a 3 person car loan from this company called Credit Acceptance they help ppl with bad credit build it up, so I was like cool we all need to build our credit score. They said to me you can put the insurance on the XXXX XXXX XXXX & I was like what about the XXXX XXXX that's the car I came down here for. They was like you start with this car & in three months you can come back down & refinance the loan & get a different car, but you have to make payments on time. So myself & XXXX XXXX signed the paperwork they gave us & said they will have XXXX XXXX XXXX out to XXXX XXXX & have him sign his papers & after that is done we will mail you the copies. So 3 or 4 weeks passed & the car note bill came in the mail with XXXX XXXX name on it & he was like why is this car in my name I don't have a drivers license or money to make payments or pay the insurance. He calls Credit acceptance and told them what is this he said to them he didn't sign to be owner he signed to be cosigner. They mad XXXX XXXX the owner & my brother XXXX XXXX the cosigner & I wasn't on anything but the registration, insurance & the one making the payments not getting anything they said. I'm mad because the loan officer from Credit Acceptance approved this loan on false pretenses. They said they approved the loan cuz it stated he is self employed as a driver making a extra {$1900.00} a month with out documentation & XXXX submitted to them his SOCIAL SECURITY AWARD LETTER saying he only gets {$800.00} a month. They took my brother XXXX birthday & ss # and forged a signature & signed it as XXXX XXXX. The loan company didn't verify any information that was sent to them from XXXX XXXX XXXX I blame them cause nothing adds up & that loan shouldn't have happen. They refuse to address the issue all they can say is you signed it so deal with it.But they approved it and didn't verify anything so that makes them at fault also. I'm gon na send some documents that can support some fraudulent actives
Product: Debt collection

I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit card or prepaid card

I was signed up for auto payment with Uber credit card by Barclays. They are supposed to automatically withdraw my payment every month. They turned off the autopay without telling me. I paid in full one day late. When I chatted with them, they assumed responsibly, telling me they had a computer problem and turned off the autopay for everyone. I asked them to remove the {$29.00} late fee. They said it would be removed when my payment posted. My payment posted and its still there. Ill probably get it removed, afte a hassle but how many millions in bogus fees has this glitch earned the company? Someone should protect consumers from fraud like this.
Product: Credit card

XX/XX/XXXX, Bank of America XXXX # XXXX XX/XX/XXXX, Bank of America XXXX # XXXX XXXX XXXX XXXX XXXXO : Lending Team, Bank of America XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Trustee XXXX : XX/XX/XXXX SUBJECT : Denial of Credit Application for XXXX XXXX XXXX XXXX XXXX XXXX Credit Card CREDIT CARD APPLICATION REFERENCE NUMBER : * XXXX *STATUTORY AUTHORITY : Pursuant to 15 U.S.C. 1602, as the original creditor, I am entitled to credit. ( See XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, at XXXX ( S.D.N.Y. XX/XX/XXXX ) ). 

The credit transaction at issue was predicated on 15 U.S.C. 1611 and 12 U.S.C.A. 1411. ( See In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 

*VIOLATION OF LAW : The denial of my credit application constitutes fraud and is unlawful under the Truth in Lending Act ( TILA ), 15 U.S.C . 1602 ( g ) and 15 U.S.C. 1602 ( l ), as well as 12 CFR 1002. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ). 

*SECURITIES FRAUD AND EQUAL OPPORTUNITY ACT VIOLATION : By withholding access to my securities, Bank of America has committed securities fraud and violated the Equal Opportunity Act and Consumer Credit Protection Act. ( See 15 U.S.C. 1691 ( a ) ; 12 CFR 202.2 ; and SEC XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ). 

*REQUEST FOR RELIEF : * I demand that Bank of America XXXX XXXX. Reconsider my credit application and approve it forthwith. 
XXXX. Provide me with access to my securities. 
XXXX. Cease and desist from engaging in any further unlawful practices. 

XXXX : The denial of my credit application and withholding of access to my securities are clear violations of federal law. I expect a prompt response and resolution to this matter. 

XXXX XXXX, XXXX XXXX XXXX XXXX Trustee
Product: Money transfer, virtual currency, or money service

I attempted to make a domestic wire transfer using Wells Fargo bank at XXXX EST on XX/XX/21. The bank charged me a {$30.00} fee for this Transaction. This wire transfer was supposed to be credited into my trading account with XXXX XXXX, to cover a margin call. My money was not transferred till end of day and when I called Wells Fargo for status, they stated that wire transfer can take 3-5 business days. I even spoke to a supervisor who repeated the same thing. I reminded them this is not a ACH or online transfer and is wire transfer and also pointed them to bank policy. After waiting for over 32 minutes, my call was hung up on and bank never contacted me back or returned my wire fee or money. 

I have attached screen shots showing : 1. Wire transfer confirmation at XXXX XXXX 2. Phone screen shot with times and waiting time of 32+ minutes. After this, I was hung up on. This should be in the Wells Fargo 's call logs. 
3. XXXX shot showing wire transfer policy.
Product: Debt collection

I have no knowledge of the collections reported on my credit report. I lost my wallet and someone used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you are reporting inaccurate personal information on my consumer report. I have file a dispute informing XXXX that my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that XXXX remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind XXXX you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached
Product: Credit reporting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1100.00} ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from a man stating he was calling from XXXX XXXX. He called from a local number XXXX, VA number XXXX. He then asked that I call him back to discuss a very important matter with a case number. He did n't provide the case number but asked that I call him back at XXXX. He also said that he had been repeatedly trying to call me
Product: Payday loan, title loan, or personal loan

I entered Mariner finance on XXXX XXXX on XX/XX/2020 to get approved for a loan. I was told by XXXX XXXX that I was approved for XXXX $ only and after showing good credit I could then be eligible for an increase of credit. I was given a XXXX Dollar check that was written off of XXXX   XXXX XXXX at the time which is now XXXX XXXX I took the check and cashed it I still have the check stubb from that transaction. I have continued to make payments without really looking over the contract. Recently my credit was ran and I see that my original payoff balance for mariner finance is XXXX which had me raise an eyebrow bc i only borrowed XXXX $ so how am i paying back XXXX on a XXXX $ loan. At this point things were not making much since I then pulled my contracts to carefully read over them. At which point I seen That i was financed for XXXX and i should have recieved 3 checks total, one in the amount of XXXX one in the amount of XXXX and one for XXXX. I was never given the other 2 checks. With that being said I would like the checks traced and find out who signed my name on the checks because I did not. When I was aware of what happened I tried to reach out to their corporate office about the issue they told me there was nothing they could do I could reach out to the store manager about the issue. I do not feel comfortable resolving the issue with the store manager for the shear fact its a conflict of interest and i do not want anyone trying to cover up what has been done! I myself work in the lending industry and am aware that this behavior is unlawful and is considered fraud. I have copies of my contract, check stubb, and pay history available if needed.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed a charge on my Wells Fargo credit card of {$490.00}. I called the number listed on the charge and was told it was for an internet protection which I did not purchase. 
I was told that to remove the charge I would have to enter two amounts of {$250.00} and the charge would be deleted. Unknown to me, they had control of my computer and they entered the amount of {$25000.00}. So it appeared on my screen that I had deposited {$25000.00} into my checking account. In order to remove that money I had to send two wire transfers totaling {$25000.00} to an account in XXXX. 
So I went to the bank and had those wire transfers completed. I did NOT instruct the teller to charge my two credit card accounts. I wanted the money taken from my checking account. 
Of course there was no {$25000.00} in my checking account. 
So, without my consent, or even my knowledge, my two credit cards were charged {$25000.00} If the banker had asked me where to get where to get the funds, it would have been apparent it was a scam, but SHE DID NOT ASK. She arbitrarily and without my permission, charged my two accounts. 
By the time I realized it was a scam, the transfers were already made. I feel I was defrauded twice : once by the scammers and once by the bank. 
I have spoken with the bank on several occasions and have sent a dispute letter. And have filed a police report. 
Wells Fargo has determined there was no fraud.
Product: Mortgage

Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

American Express not honoring the promotional language on the website + commitment of their agent. 

American Express offers Platinum cardmembers access to Fine Hotel & Resorts ( FHR ) which gives card members benefits such as XXXX late checkout, free daily breakfast, and on-property credits. The XXXX XXXX XXXX XXXX for XXXX showed up listed for a 25 % discount off nightly room rate in addition to Fine Hotel & Resorts benefits. 

On XX/XX/XXXX, I called American Express because the website was not applying the 25 % discount. American Express representative called XXXX XXXX XXXX to honor the rate and after multiple hours, she called me back to inform me that XXXX XXXX XXXX would honor the 25 % discounted rate and offer the FHR benefits, but I would need to call back in the morning because she got disconnected and when she tried calling back, they informed her that the In House Reservation desk had closed for the night and I would need to try the next morning to finalize the booking. 

When I called back the next morning ( XX/XX/XXXX ) and explained the issue to the new Amex representative XXXX XXXXXXXX XXXX, she informed me that the XXXX XXXX XXXX would not finalize the booking at the 25 % discount + FHR benefits. I asked to escalate the case to a supervisor, the supervisor ( XXXX XXXX confirmed that I would not be able to get the 25 % discount + FHR benefits. I requested for the issue to be further escalated. She informed me that the best she could do was file an internal complaint ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )