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

I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

**TransUnion LLC** XXXX XXXX XXXX XXXX, PA XXXX XXXX : ** Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX  credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/XXXX ] confirming their removal. 

However, on [ XX/XX/XXXX. XX/XX/XXXX ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. 

Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

It has come to my attention that Toyota FInancial Sevices has violated many Federal Laws and Policies throughout the past year. I have brought them to there attention and the CFPB as well as the FTC last year and continue to do so. Toyota Financial has even removed there account from my Consumer Report due to the various violations that I have sited in the past but has failed to conduct themselves in honor. They have continued to send me various billing errors and harras me as well with phone calls about alleged debt. 

First off I was charged a finance fee/down payment for the XXXX  XXXX XXXX  XXXX of XXXX which was the value that they gave my other car that was worth XXXX at the time. Persuant to 15 U.S.C. 1605 ( a ) the finance charge is the sum of all charges.Included in this charge was to be all insurances, services and maintenance charges. 

Not only was I not told how they even came up with my charges and fees, violation of 15 U.S.C. 1632 Annual Percentage Rate, but they then didnt give me any of the required by law notices that they where supposed to. 12 CFR 1026 ( 2 ) ( a ) ( 11 ) ( 2 ) and 15 U.S.C. 1635 Rescission Rules state Toyota Financial was suppose to give me documentation about these rights within 3 days, one copy by mail and one by email which was never done.

Due to Toyota Financial 's brazzen behavior towards the violations that they continue to mock through 15 U.S.C. 1692 ( a ) and ( c ) Communication in collection of a Debt and 15 U.S.C. 1692 ( e ) False and Misleading, I am requesting the following remedy : Furnished Clean Title with my name as lien holder along with the full remaining balance of the vehicle in question of {$32000.00} along with the years worth of the car note {$8200.00} as well as the $ 5K used as down payment. I could go on with the violations due to it being a long year back and forth with them but I think you will get the point. Lastly i want to make it very clear that I DO NOT WANT TO RESCIND the entire contract ONLY THE TRANSACTION. Thank you and please let me know if you need anything further from me.
Product: Credit card or prepaid card

Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.
Product: Debt collection

RMC of America has violated FDCPA 15 USC 1692.

CHECK BELOW FOR ATTACHMENTS.
Product: Checking or savings account

A couple days ago I reported fraudulent activity on my debit card. I called citibank and they immediately canceled my old card and sent me a new one, but while activating it, my pin was not working and after several failed attempts, my account became locked. I never changed my pin so it seems that if citibank changed it without me knowing. So me and my mom have been on the phone for XXXX HOURS and the customer service is HORRIBLE, and no one can figure out what to do. Apparently, my account was under review for absolutely no reason. But yet when there was fraud on my card, my account was never locked! This might be the worst company I have ever dealt with!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 - received a Chime VISA debit card that I did not apply for. Card arrived via USPS only needing activation. I did not activate the card and attempted to contact Chime via phone, without success. I could not reach an employee, only automated messages. Prompts kept asking me to activate the card which I did not do.

I attempted to contact Chime via multiple emails, asking the account to be removed, but they would not call me and would not take any action without me providing personal information ( 4 of SSN and photo ID ) which I refused to do.

I assume this is a fraudulent application in my name resulting in a VISA debit card, which I did not request nor apply for, being mailed to my home.
Product: Credit card

On two XXXX I tried to use my credit card from XXXX XXXX to pay for gasoline and it was denied and then called the credit card company who told me that the account was closed due to fraud. I asked to reported it and they said I did, but that wouldve been impossible because I was at work without access to any telephone up until the point when The credit card was denied at the gas station. I have since spoken to the executive office who told me they only take complaints. They dont do anything with credit cards. I talk to the credit card customer service who said they cant do anything because its the executive service I talk to the fraud department who says they dont even understand what happened and it has left me in a precarious position when I am traveling and I now am stuck without hotel. Any access to cash or food and the credit card company said someone will call you in XXXX hours. Thats the best we can do if you dont like it Tough
Product: Debt collection

In accordance with the Fair credit reporting act XXXX account number XXXX Hunter Warfield  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: Mortgage

Freedom Mortgage my current loan service will not stop calling my to solicit a refinance to my home. 

I have told them 7 times on a recorded line to add me to the do not call list. I believe they are violating the FTC laws. 

I am confident they will call again.
Product: Credit reporting

I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers
Product: Debt collection

My Information was sold and bought illegally because I was a victim of the Equifax data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

Report Number : XXXX Date Generated : XXXX XXXX, 2020 Account Name ASSETCARELLC/CAPIOPARTNE Account Number XXXX {$440.00} Account Number XXXX {$250.00} These collection accounts just pop up in my credit report. 
I dispute these accounts many time with the company and refuse to take them off my credit report. I don't own these accounts and they do a big damage to my credit report. Each dispute XXXX  told me, the collection agency verified the accounts while they don't belong to me
Product: Checking or savings account

I have not been able to access my account for over 90 days. I have call and emailed everyone inside citi bank and can't get anyone to help me. I am losing my home due to this matter.
Product: Checking or savings account

I had five checking accounts with SunTrustBank that were closed on XX/XX/20 without explanation. I received a letter in the mail stating that " the remaining funds in your accounts will be mailed to you in the form of a check within 5 business days. '' After never receiving my check, I contacted the bank via phone and was told that I would have to wait up to one year before receiving my funds for a reason that has yet to be explained to me. It's been almost two complete years and I have never received the remaining balance from my accounts. The totals in the SunTrust Bank accounts were {$3000.00}, {$100.00}, {$100.00}, {$100.00}, and {$150.00}.
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 protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter  pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2019 ) I discovered ( XXXX/XXXX ) had been re-inserted into my credit file from EQUIFAX, INC after being removed from my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Product: Mortgage

I called Rushmore due to a XXXX XXXX XXXX XXXX asking for help with a deferred payment due to income being decreased I was completely misinformed and misguided and no follow up what so ever I asked to be called for any additional information they may of needed and never received anything from them was told they sent a letter I never received the only help that was avail was I either make my payment or the threats would start to take my home for non payment I continued to call and be hung up on by there auto mated system more times than I care to admit that can not still verify me a a loan customer spoke to multiple reps that have not been helpful at all just justifying the bad experience and business of this company puts out I have struggled just to reach a rep to simply make a payment weather I could or not afford to pay it due to a XXXX illness that was completely disregarded I sent in all the info requested and they did absolutely nothing to help my family I ask that some kind of response is received to please justify why my information was over looked and absolutely no help was received while trying to get through a life saving XXXX
Product: Vehicle loan or lease

On XX/XX/2023, I called Capital One auto to enter into a single case agreement for my monthly auto payments that at the time was only 8 days late. The representative I spoke with informed me I could put my next 3 months payments into a payment plan to bring my car note current and avoid any further collections efforts. I agreed to the terms outlined in the 4 Single Case Agreements ( SCA ) that where email to me by the Capital One Rep. I have made 2 of the 4 schedule payments on time as agreed. 

However, Capital One never updated my account to include the schedule payments. Even after I called them on XX/XX/XXXX when they sent me an repossession notice and on XX/XX/XXXX when online it showed my account as 30 days late. Both reps told me as long as I had a payment plan I was fine. 

For the past 7 years I have made all my payments on time and had a 100 % on-time payments history on my credit report. I then received alerts from XXXX, XXXX and XXXX stating that I had a late payment and my credit score dropped XXXX points after Capital One reported me 30 days late on XX/XX/XXXXwhen I made the agreed upon SCA in the amout of XXXX on XX/XX/XXXX.
Product: Debt collection

On XX/XX/2023 I received mail from a debt collector ( Sayer Law Group, PC ) stating I owe a debt. ( account number XXXX ) from another party ( XXXX XXXX XXXX XXXX ), which is a violation under 15 USC 1692b ( 2 ) and violated 15 USC 1681 ( b ). They infringed on my rights to privacy under federal law. Sayer Law Group, PC were given my information without consent from ( me ), but was given from XXXX XXXX XXXX XXXX. Under 15 USC 1692e Sayer Law Group, PC violated me with false and misleading as far as legal status of debt, falsely implicating and representation of themselves into my privacy, with deceptive forms which a violation of 15 USC 1692j. Also in these deceptive forms, Sayer Law Group, PC are in violation of 15 USC 1692d ( 2 ) used obscene and profane language, by stating the word debt and stating the word owe is obscene and profane language. Sayer Law Group, PC is in violation under 15 USC 1692f ( 8 ) unfair practice by using symbol by their address on envelope.
Product: Payday loan, title loan, personal loan, or advance loan

I attempted to apply for a loan threw the Missouri SBA.gov loan portal. I was matched with a company by the name of AltCap from XXXX  XXXX, XXXX. I went threw they process applying for a microloan of {$10000.00} to aide in my business development and maintenance. I filled out all the required information. Providing the company threw they portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With all the necessary information. They told me the whole process would take three weeks at the most. After a month and a half. I got an email response from the rep that was helping with the loan. This email response was sent after an email that i had sent to the company asking why did my personal and business score drop by XXXX points each. A day later i received a response saying that i was decline, they never answered why the? why my score drop so low. Just a simple email stating that i was rejected. Also i was wondering what was really going on. Because they ask for an award letter from social security along with business and personal bank statements and id such as driver license. This seem very strange to me. All the personal information is sent and didn't get a proper response. Very illegal business it looks like to me they are doing. They claim my company didn't have cash flow. If this was all that was need, would it be more important to ask for paypal statements or stock portfolios. It's not making sense to why they would ask for personal and business bank statement along with award letters. When this have nothing to do with cashflow. My business makes money. But most of our cashflow come from our own streaming service and royalties. Not personal and business statements from the bank. We been in business functioning for XXXX years without any help from any bank of private lenders. I sent them a sales report from XXXX years ago from XXXX. That should have been all that was required. This is a very sad and depressing situation. They give loans to people and companies that don't deserve just because of who they know. Rather then companies like my own that has shown, Stability and security. This was a simple attempt to figure how to crash a company like my own. But we are everlasting. Lol, XXXX years from now they'll be tryna borrow money from my company if they haven't already attempted to steal from us. XXXX XXXX XXXX, Its A Thought Process, this company i was attempting to borrow from is obviously fraudulent and obviously stealing and i just wanted to report it.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry to my name and I did not request any credit inquiries