23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Debt collection

I got served for this debt in XXXX, my nephew was handed paperwork for a judgment. This is when I became aware of this debt with Bank of America. I spoke to my Attorney XXXX XXXX and he agreed to represent me since I had no knowledge of this account or use. When we went to court someone from Bank of America was there to represent them and showed me an itemized bill for how this CC was being used. There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They compared my signature with the one 's Bank of America had and they were completely different. When the representative from Bank of America ( XXXX XXXX ) testified she came to the conclusion that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. After showing all the evidence the judge and BOA agreed to dismiss this debt. However, When I tried to apply for this home loan this year this account is still appearing on my credit report.
Product: Credit card or prepaid card

I am a XXXX  credit card that declines my poaches whenever they feel like it I have reached out movies times to customer service Web and manager with no spin nation I should be able to use my card that I am paying interest in payments on without being declined and not given a reason for being declined this has been a huge inconvenience for me my family have never been late on any payments I am angered standings And I am not receiving the help or answers that I should be from a credit card company reached out to pre approved down to me Baby put an accurate information as well I pay the invoice before the due date and data summit that payment into after I believe that this is a way of XXXX gaining interest on purchases have been paid for already Credit card companies times and sensitive to the needs of the people only taking about the bottom line in the $
Product: Money transfer, virtual currency, or money service

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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 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 XXXX days before the payment due date. 


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

I have had a freeze on all 3 reporting agencies for 25 years. I only open them if I need to purchase a house, car, etc. I wanted to increase my credit line with my visa at my credit union bank. I successfully opened XXXX XXXX and XXXX  for a month. I could not open Experian - which is the only credit reporting agency all credit unions use, so I was not able to up my credit line. I had successfully opened Experian in 2017 for 2 months and they gave me a pin number they don't recognize now. All of the ways of opening it are on-line and one of the phone numbers they list sends you to a person who tries to get you to purchase a plan which costs {$290.00} to open at your freeze at will and monitor your credit. I told them no. The other number puts you in a hold and drops you off the call. They also tell you to write to them at a P.O. Box and give your information so they can be sure who you are, which I did with a request they unfreeze my credit for a month. I never received anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Product: Credit reporting or other personal consumer reports

my credit report. Could you review the documents? Some accounts listed exhibit inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

I spoke with an agent that identified herself as XXXX last week. I told XXXX that I disputed the bill. Because I gave notice to my previous apartment complex of my intent to vacate. XXXX told me that my dispute was invalid. She stated that I could not dispute it. That my bill was due to insufficient notice to vacate. I informed her that in fact provided proper notice. She told me that I could send an email to request verification. I was given the following email address iqdata-inc.com. 

I called again on today on XX/XX/XXXX. Because I tried to send an email to the address numerous times. However, I keep receiving an error message saying it was not a valid email address. I again spoke with XXXX. I asked for the email address again to verify. She refused to provide it. Stating that she had already given it to me. And that the debt was valid. As well as I had missed the time frame to dispute it. I explained that the letter that IQData sent me was dated XX/XX/XXXX. So I was within the 30 day time frame according to law. She then stated that the debt was XX/XX/XXXX. So the dispute time had passed. Informed her that she was violating FDCPA by using fase, deceptive and misleading means. She became increasingly abusive stating that I am barely XXXX years old. Eventually she hung up on me.I recorded the conversation should I take legal action. It is too large to upload here. 

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

[ APPLE CARD/ Goldman Sachs Bank USA ] [ Goldman Sachs Bank , XXXX XXXX, XXXX XXXX XXXX, XXXX , PA XXXX ] IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received a message from XXXX that someone inquired about a cc through my name. It was not me. The company named was XXXX XXXX. It seems they have may complaints about them online. I was asked by XXXX to file a police report a report with the FTC. The FTC sent me here. THis fraudnet use of my name has now opened a small credit card account, which I had no knowledge about, and it is impacting my credit score. 

What steps can you help witht so this card is removed from my name please? 

Thank you, XXXX XXXX
Product: Debt collection

I have an account reporting to my credit profile that I do not own and have never owned and did not authorize any collection agency authorization to report this fraudulent account to post to my credit report, I reached out to the company and let them know that I have never had an account with them and that I am a victim of identity theft and requested them to send me a validation letter with my signed wet signature that proves that I have account with them. I provided them with my FTC report and also let them know that I was also a victim of the Equifax data breach and let them know that I have been working with a Settlement Administrative to help me recover the data breach because my information was leaked as well, and instead of them providing the documents I requested they just reported the fraudulent account to my credit report which is in violation of my rights because I do not have or ever had an account with this company. 
This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permisable purpose of consumer reports ( a ) in general subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
NO CONSENT IS IDENTITY THEFT also. As a consumer I am demanding the deletion of the account IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions I requested a full file disclosure and only received the standard report.
Product: Debt collection

This company continue to contact my family members and landlord also my job. I have no idea how they are getting my families information. No one they are contacting are a reference. Also I spoke with a very rude man that called my job. He XXXX XXXX said he had a warrant for my arrest and when I asked him for what his response was he did n't know, that 's strange if he had a warrant. These unprofessional, illegal collection need to stop. Over I asked him do not call my job again he called my HR dept. This was very embarrassing.
Product: Credit card or prepaid card

Ordered 2 pairs of XXXX XXXX tennis shoes on XXXX XXXX tried calling new balance asking where tennis shoes were XXXX after on hold for an hour filled out form on website asking where shoes were, they were not delivered. 

XXXX received email stating to items were shipped look at faq on site XXXX after no help from new bal filed dispute with discover card XXXX account was credited for XXXX in my favor XXXX balance was back on my card XXXX called discover and was told shoes were delivered there was nothing that thye could do. Stated again, I have never received and/or signed for any shoes. Was told that I would have to call XXXX to investigate non delivery and/or call police, makes no sense that this is my responsibility after almost 2 months
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 federally protected consumer rights to privacy and confidential information under 15 USC 1681. 

DEPT OF ED/XXXX-Account Number : XXXX DEPT OF ED/XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy. 
15 U.S.C 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer to any containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX  Account # XXXX ) ( XXXX XXXXXXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;