23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS XXXX XXXX XXXX please delete any other name on my credit report. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

LVNV FUNDING LLC is stating I owe XXXX I received this notification on my credit report without any warning. 
I am not sure where it is from. 
I sent a certified letter of Debt Validation on XX/XX/XXXX. 
I am not sure what this is and it is hurting m

y credit score. I will attach this letter below.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App *Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

On XX/XX/2020 {$400.00} was removed from my personal checking account with a description that says Legal Recovery Set-Off. On XX/XX/2020 I received a notice that was a statement of account regarding this transaction. The last four numbers of the account number belong to an account that has been closed for over a year yet is still being reported as active and performing on my credit report I received a letter from Wells Fargo XXXX XXXX XXXX that was a statement of account regarding the transaction. To my knowledge a closed account is one that is no longer open to credits or debits and therefore no statements of accounts are produced. The letter listed my checking account balance, the amount debited, and the checking account balance after the debit, as well as a balance before and after the transaction to a " debt account '' that was credited. This is by definition a statement of account that evidences a live and performing account. 

I have never heard of a debt account and was unable to find any information about one in any Wells Fargo customer agreement. I called their customer service line for more information and was given very little information. I then sent a letter ( 15 days ago ) asking for specific details regarding the account, including but not limited to, a copy of the application, the terms and conditions, the amount loaned, as well as any statements or correspondences associated with the account. This request was ignored. 

When I called Wells Fargo to dispute the transaction and obtain more information about the account, I was told that they were unable to reverse the charge. I was then transferred to a different department who claimed that they were handling the account. When I requested more information about the account I was told that they were unable to give me anything in writing that outlined the account but that I could contact their lawyer in order to set up a payment plan. I then asked who was the owner of the account and they stated that the account was being held at Wells Fargo but I was unable to make any changes to the account or receive any information about the account through Wells Fargo. IT seems to me as if Wells Fargo has either converted a former account into a new account without my knowledge, or has reopened a closed account and is concealing information about it for their own nefarious purposes. 

I have demanded, on several occasions in the past that Wells Fargo and their lawyers provide me with verification or cease and desist collection activity as outlined in the FDCPA. They have instead breached their own customer agreement, provided false information to credit reporting agencies, ignored my correspondences, sent false and misleading letters, violated the FDCPA, FCRA, and publicly disclosed my social security number for anyone who has been given access to my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this dealer to try to complete an online purchase. The website made it appear as if the XXXX i was getting would be {$400.00} a month with {$1700.00} down payment. I submitted credit info on the site and was only expecting to see a single credit pull or inquiry. It would not let me complete the purchase online and required me to come in person. For some reason they were nowhere near the payment calculators numbers. It was actually {$8000.00} to {$10000.00} more than what it originally showed. This is price gauging during covid and delta. It is also non proper disclosure of the hard credit pulls. My credit was hard pulled not just once without proper disclosure and under false pretense, but multiple times. This has caused a negative impact to my credit and needs fixed with all 3 credit agencies. I would like a manager to respond in writing and for them to reply once it is fixed off my credit report. I have a XXXX where I can not currently speak on the phone. So please have them reply in writing. Thank you.
Product: Vehicle loan or lease

reviewing the contract in question on XX/XX/2021 several violations present which nullifies the contract pursuant 10 CFR 1026.3 named truth and lending. the posted price is also not the price reflected on the contract
Product: Checking or savings account

I opened a Citi XXXX Checking and Savings account on XX/XX/XXXX on the Citibank website because of a promotion offered by their website. The offer was to earn {$700.00} bonus if XXXX is deposited within XXXX days of opening the account and maintained for a minimum of XXXX  days. The bonus of {$700.00} would then be paid within XXXX days of that XXXX day from the initial deposit. The XXXX day would have been XX/XX/XXXX according to the first time i spoke with Citi customer support. {$50000.00} was deposited by XX/XX/XXXX and is still in the account today XX/XX/XXXX with no bonus paid. 
I contacted support again on XX/XX/XXXX via their app chat and they confirmed I qualified for the bonus and would receive it in the first week of XXXX. No bonus received, no contact from Citi. 
I called them on XX/XX/XXXX and spoke with a representative regarding my issue and she explained that she would open a ticket, but was unable to provide me with an ETA on the bonus and advised that I would be contacted within XXXX days. No ticket was opened. 
I contacted support again on XX/XX/XXXX via App chat and they confirmed I should have received the bonus by XX/XX/XXXX. He opened a ticket for me and provided follow up. 
Today XX/XX/XXXX, I received a notice from Citibank that I do not qualify for the bonus because the promo code linked to my account was for a promo period ending XX/XX/XXXX ... somehow XXXX months before I opened the account on Citi 's website.
Product: Debt or credit management

I ve been fighting a fraud case thru XXXX XXXX XXXX  about these charges I didn't make. And now I look at my check and they are garnishing my wages for something I didn't do and with no notification. That's not fair to me and they refuse to take it off. My mail has been bad for a very long time and we don't receive most of it.
Product: Vehicle loan or lease

On XX/XX/XXXX, I picked up my vehicle from XXXX XXXX XXXX in Maryland due to my vehicle being repossessed in the state of Maryland. I've been unable to bring my vehicle back to Georgia due to the finance company failing to have my vehicle registered in my name timely following me redeeming the vehicle. Every step that has been taken from redeeming my vehicle, following up concerning the registration, once the insurance company told me their were issues with the title, was all due to my own communication and not because they were on top of their job and communicating these things with me. When they finally requested the title back from the auction this was around XX/XX/XXXX which is XXXX weeks from the time I picked up my car. Once they received the title around XX/XX/XXXX, I was told there would be a status update by XX/XX/XXXX regarding my vehicle being registered which I was highly confused about. Due to the extreme delays with resolving this matter, I called Regional Acceptance Corporation ( RAC ) on XX/XX/XXXX for a status update, to be told that what's hindering them is I need to have an emissions test done. My question was, how long have they known this, and how come no one contacted me with this information, until I reached out. Had they told me ahead of time, I could have mentioned requesting an emissions waiver due to the vehicle being out of state, or they could have done their due diligence with resolving this matter, which they have not. It is now XX/XX/XXXX and I have not been provided with a timeline or day that the company they hired to go register the vehicle back in my name, will be registering the vehicle back in my name. Not only has this caused an increase with my car insurance, but this has resulted in consistently paying for XXXX  and XXXX  to travel, since I'm unable to legally drive the vehicle, that's been in my possession since XX/XX/XXXX. Not only are they delaying the process with getting my vehicle rightfully registered back in my name, but the interior of my vehicle sustained damage while at XXXX XXXX XXXX due to them " allegedly checking the frame for damage, '' who also threw all XXXX original mats in my car away, XXXX which were in great condition. RAC did agree to pay for the repairs and mat replacements after I get the estimates, which I can not get due to my vehicle not being registered. So my car was returned to me not being in the same condition it was in before the repossession took place. The receipts I attached shows when I paid the required amount to redeem my vehicle. XX/XX/XXXX is when XXXX XXXX XXXX scheduled me to pick up my car, and I attached my XXXX Receipt showing my receipt from the XXXX train station to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX.
Product: Checking or savings account

XXXX de XXXX, XX/XX/2022 To : XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Case Number XXXX Account number ending XXXX Dear XXXX XXXX After receiving your communication dated XX/XX/2022, I followed all the instructions you indicated to place a claim for the telephone numbers mentioned in the letter. Calling the phone number first validated my identity through my credit card, debit card, XXXX, and checking account numbers. After this step they asked me what assistance I required and I asked them to take a claim for theft of funds from my account by an unauthorized person, the answer was YOU MUST APPEAR PERSONALLY TO AN AGENCY TO MAKE THIS REQUEST, I repeated the call on several successive days and the answer was always the same. 

As I have told you in previous letters, I am not a resident in the XXXX, I am in XXXX XXXX and I am waitingfor the date that the American consulate gave me to attend to my visa application to enter the XXXX. This will take at least 12 months, in the meantime my account will not receive funds and could become inactive, so I require that I guarantee that my claim will not be dismissed due to this condition. 

I am very afraid of placing money in my accounts since I do not trust Wells Fargo since it failed in its duty to ensure the security of the products contracted by me and allowed unauthorized persons to fraudulently steal my funds, violating all protocols of identity required, without neglecting that said theft was after I had communicated by telephone that my email and telephone number had been changed access to internet banking without my authorization and in that call I expressly asked that the handling of funds not be allowed until the situation was clarified. 

It is unnecessary to tell you all the problems that this situation has caused me in my survival since not having those funds available I can not cover food and housing expenses, placing myself in a vulnerable situation in XXXX. 

I request your assistance in sending me an account statement for the month of XX/XX/2022 that reflects all the movements of my checking account and savings account in order to assess the scope of what was stolen due to Wells Fargo XXXX # XXXX ; XXXX negligence in ensuring the security of my savings. 

After all that experience, I only learned that Wells Fargo, of whom I have been a client for more than 10 years, does not support the legitimate owner of the account in their claims and, on the contrary, is very splendid in allowing unauthorized persons to commit fraud to the detriment of its clients.. 

sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with how this company has consistently mishandled my credit information. Despite my compliance and repeated efforts to address these issues, they continue to report false, outdated, and incorrect information on my credit report. This is not a simple mistake it has been an ongoing problem for years. This companys negligence is enabling others to misuse my information, open unauthorized accounts, and commit fraud, all while directly impacting my financial stability and overall well-being. 

There are multiple addresses, phone numbers, and accounts linked to me that Ive never been associated with, and this pattern of misinformation keeps growing. I initially believed these errors would be corrected or fall off over time, but instead, more inaccuracies are being added. I have gone to great lengths to resolve this issue, including limiting my activity and staying in one location to ensure no further data is compromised. Despite my precautions, this companys failures have caused me immense stress, anxiety, and even XXXX. 

My life has been repeatedly disruptedfrom issues with my car and storage to problems with old apartments. Ive experienced hacking, theft, and attempts to use my identity fraudulently. These incidents keep resurfacing and remind me of the harm caused by this companys inability to verify and secure accurate information. 

I now monitor my credit through four different services due to how paranoid Ive become about these ongoing issues. Each new alert only proves how much this companys negligence is affecting my life. By failing to investigate thoroughly, confirm accurate information, or block unverifiable data, this company has enabled others to exploit my identity and undermine my hard work. 

I demand immediate action. Either perform a proper investigation and resolve these errors, or delete and block this misinformation permanently. Your lack of diligence is not only unprofessional but directly damaging to my life. I have exhausted all reasonable steps, but your companys refusal to act responsibly is pushing me to my breaking point. You have the resources software, personnel, and systems to correct this, so its time to do your job. 

Stil have accounts that were used not by my approval money, my company phone was used and car during a time I was sleeping, vacation or not in town for a family memeber XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my ssn is XXXX. The issue I am having is with a company from XXXX  XXXX Oklahoma makes XXXX XXXX XXXX XXXX. I one about thats over 7 years 3 months old that is still on my credit report. I have another account with them that will be 7 years old on XXXX XXXX,2020. Finally this company has conducted 2 hard inquiries this year without my permission.
Product: Credit card or prepaid card

Recently, my car got vandalized and destroyed, both of my debit cards got duplicated and fraudulent charges were performed and for one of my cards, all of the money in the account was taken. On XX/XX/22 {$720.00} was withdrawn from my directexpress account. Directexpress took so long to deliver the dispute forms, that there was no way that I could get credit in the allowed time for the transactions. There was over {$100.00} in transactions on my other card. The report I sent to the XXXX, CA Police can be viewed at XXXX XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/year> XXXX my chime bank account was closed with funds {$490.00} still in my savings account. I have no fraudulent charges or activities on my account and it should not have been closed
Product: Credit card or prepaid card

This is the 2nd time this has occurred. I made several purchases in XXXX, each time selecting 6 or 12 month special financing at checkout. The purchase XX/XX/XXXX accepted this, the purchase XXXX XXXX did not and shows on my statement as equal pay 12 mos. This increases my minimum payments and affecting how prior deferred interest payments are applied. I need the 2 transactions on XX/XX/XXXX for {$53.00} and {$460.00}, and the transaction XX/XX/XXXX for XXXX to be corrected to Deferred Interest with Payment 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Product: Student loan

Navient constantly calls me at work. They spoke to my former employer that works for the same organization I still work for, and my career may now be unstable because of this. They hit my credit so hard that there is no way to refinance through another company. I am a XXXX who is still in the service and they have affected my life so much that I am unable to buy a house for my sons as a single mother and I worked two jobs until a few months ago. They offered me that I could make a higher payment for 120 on time payments if I wanted to be forgiven for my student loans. I have ten years XXXX federal service and 18 years in the military. Nothing matters to the other person on the phone. The calls are relentless. They hound until you just go get a second job because you ca n't survive it. 18 years in the service, and their employees are to be avoided before a XXXX. I ca n't afford an attorney or I would get one. I ca n't file bankruptcy or I will lose my job. Most states wo n't include student loans in a bankruptcy in any case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I requested XXXX XXXX  and Equifax to validate the collections that they have reported on my credit report. XXXX XXXX and Equifax failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax 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

To whom it may concern, I am writing to delete the following information in my file : BANK OF AMERICA XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Bank account or service

ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX NA  XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. Attached below.