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

I bought a car at drive time, paid for an extended waranty, within the first few months the vehicle was no driveable due to the engine being bad. Since XXXX I personally have paid over {$9000.00} out of pocket for the vehicle plus the vehicle has had upwards of {$15000.00} in repairs ( paid for by both me and by the extended warranty ) It sat in the shop for at least 3 months and now again is experiencing issues that are estimated to be well over {$3000.00} to repair. The vehicle for lack of a better term was a " lemon '' yet since there are ZERO laws to protect consumers I cant return it as a defective product. The warranty escalated the price to {$5000.00} more than it was worth and yet covers less than XXXX of the repairs it needs. Why does the government allow a company to sell cars, using their own finance company, charge you for the warranty they are providing you and then decline making repairs so that you can then again be victimized when the warranty says nope not covered? shouldn't the dealership, financier and warranty all be separate entities? Why is one person allowed to run all of them and subject tens of thousands of people to the most despicable predatory lending and defective products?
Product: Checking or savings account

On Sunday, XXXX XXXX XXXX I opened a savings account on online at my current bank which I 've been with since XXXX or XXXX. On Thursday, XX/XX/XXXXt I got a notification from a bill pay that my card was not being accepted. This has happened from time to time because I travel to and from our state capital for work, when I call they unblock it and things are fine. On this day, I was told my entire account checking and savings were going to be closed and I would receive a letter and a check explaining. I was then given the number to XXXX XXXX XXXX. When I called XXXX, they asked for my personal information and said oh, it 's because of XXXX XXXX XXXXXXXX. It says you owe money. from XXXX of XXXX, I called XXXX XXXXXXXX XXXX and confirmed that the {$74.00} they reported I owed was paid. 

On Tuesday, XX/XX/XXXX I received a letter from the bank, but not a check stating that my savings account was declined because they were unable to verify information and that I should reapply within a financial center. ( THERE WAS NO REFUND ) I called my bank again on Friday I finally spoke to someone Stateside. After reviewing the account she advised me to go to a branch and that they could override this decision. I explained that my bank, Citibank, was opened while i lived in XXXX, DC XXXX I now live in XXXX, NY. there are no open branches in XXXX. I also explained that without proper notice, I could n't notify my payroll department to discontinue my direct deposit in time. On Friday, the bank accepted a deposit of XXXX plus two small XXXX deposits. 

After trying since early Monday, Today, XXXX XXXX I 've contacted my actual branch as advised by the person on the phone on Friday. The gentleman tells me to call XXXX and see if they can tell me when I can get my money out and why the account was closed and all of the questions I 've asked them. 

My direct deposit is scheduled to hit my account tomorrow morning. I have no way to get the money or stop the transaction. I have not been refunded what 's currently in the account and I 'm worried that I will not be able to get it back. Please tell me my options. I know I 'm not a high wealth client. I literally live paycheck to paycheck and I ca n't pay my mortgage or car not ( which to stay on top of things I pay bi-weekly ), I suddenly ca n't open any other bank account. Please advise.
Product: Credit card or prepaid card

A charge was submitted twice for the same stay on XXXX. 
XX/XX/2019 {$170.00} XX/XX/2019 {$170.00} The amounts differ slightly ; perhaps this was a fraudulent attempt to make it appear that both charges were legit. It made it difficult to file a complaint via the Chase Website, but I did anyway. 
Chase has ignored my online complaint, and two additional reminders I sent with my paper bill payments. The account is current, and I've stopped using the card, but they are adding penalties that falsely claim I'm behind on payments. 
Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

DELIVERED ON XX/XX/22 VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt. 
to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Account : XX/XX/XXXX
Product: Credit reporting

Hello My name is XXXX I have sent 3 certified letters the first one was for Identify theft, the second one was for Experian to have unauthorized inquires removed from my credit report. someone keeps apply for credit cards and credit and Experian are not doing anything about it, they told me to contact the companies who pulled my credit and I have but they tell me to contact the credit bureaus. My credit is very important to me and I have tried many times calling them and sending dispute letter and they do nothing to protect me. I need must of this inquires remove this is why I have a fraud alert. If I need credit I will contact the companies myself. Please help me with this issue, I do n't know what else to do. thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate personal information that appears on my credit report. According to my records, [ XXXXEquifax ] has reported my name, DOB and employment information incorrectly.
Product: Credit reporting or other personal consumer reports

I have previously disputed the status of my payments being negative for all XXXX school loan accounts and a response was placed in my file indicating that the account should be moved to a positive status by XX/XX/year> however ; now the statement has been removed. The account has been in a positive status and currently still remains on one however status states negative?
Product: Credit reporting 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 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Frontline as is and account i dont recognize as mine .. this account doesnt Show where and when was open for...
Product: Bank account or service

my bank, Fifth-Third, charged me XXXX overdraft fees based on processing transactions from most to least. the total amount of my overdraft was less that the total amount of XXXX of the transactions, but because of how they process their transactions, I received a {$110.00} fee for overdrafting {$13.00}. I will provide screenshots of my account as proof. at the end of monday night, we had {$56.00}. tuesday we were overdrawn the {$13.00}. wednesday we were hit with the fees.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied for dental work with a dental company. The application ( promissory Note ) somehow arrived at this bank through another dental or credit unit, since banks are borrowers they had to have borrowed the promissory note or purchased it. 

However, I was denied credit by the XXXX of the same month and year, when the credit was secured by the note under 15 USC 1637 ( a ) ( 6 ). 

The promissory note was accepted, and securitized, which means the credit was secured, yet I was denied credit on the basis of an inaccurate consumer report while the bank stole credit from the note which I pledge in good faith. 

Based on the Federal Reserve Act, Section 16 ( 1 ) ( 2 ) the application is the security.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU TRANSUNION : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with Transunion on XX/XX/XXXX. 
( 2 ) XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX XXXXXXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from Transunion on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from Transunion on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX XXXX  ( XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from Transunion on XX/XX/XXXX. 


IN ADDITION, XXXX XXXX XXXX XXXX WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( 2 ) XXXX  ( XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX DE XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Since I neither authorized nor initiated these accounts, it is unreasonable to hold me responsible for them. I request that this issue be resolved without delay.
Product: Credit card

I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions.
Product: Checking or savings account

Wells Fargo has been investigating this case since XX/XX/XXXX. On XX/XX/XXXX a wire in the amount of {$3200.00} was initiated to XXXX XXXX XXXX XXXX XXXX XXXX recipient bank ) Per the recipient bank, no wires were received on the date matching the amount, and the account holder denies receiving the funds. This was still true on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo called and notified me that they ALSO could not confirm the recipient bank received the funds, and asked permission to do a wire recall. That was provided. On XX/XX/XXXX, I was called and told that, in fact, the recipient bank DID receive the funds, the wire recall was attempted twice and was denied by the recipient bank, the case is closed. 
Wells Fargo sent information to me that only confirmed that they SENT a wire to the designated account on the date initiated. They have NOT provided me with the proof they must have received from the recipient bank showing receipt of those funds. The recipient still claims they have not received the funds. And the recipient bank is unwilling to provide proof to me of receipt ( or not ) to protect the privacy of their account holder. Wells Fargo had to have obtained verification that funds were received - certainly banking transactions get a confirmation/receipt of funds wired. I am out {$3200.00}, as I had to provide a replacement payment for an unreceived wire and Wells Fargo can't provide proof of anything except " they sent it ''. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report from credit Karma for months now, every to obtain this falling their instructions always keeps me going in circles. I have called them and asked for them to give me help many times but I can never ever get my true credit score or any type of information from them. I can however go to other services such as nerd wallet and get my credit score which states that it is a score of XXXX, it states that I have two revolving accounts and two installment accounts with no negative items. Other services for example when I went to go purchase a car I had told me my score was a score of XXXX  this is in complete discrepancy of what my actual credit report is. I have also attempted to call XXXX and talk to them I did once talk to them and they stated that I owed on two credit cards first off I was always told that XXXX would never call me but they did., After discussion with their representative I inform them a yes two of the credit cards were in fact mine at one time but due to Identity theft which is documented with the FTC doj and you that I could not contact them to talk to them about it or even make a payment, experience represented told me that I should have had insurance on the two cards I informed her at the time I did have insurance which I do in fact have insurance on these cards they showed them charged off in XXXX of XXXX still showing payments after that which I never did and also showing 90 day and 120 late pays, this is completely incorrect. I filed with the bureaus to remove these items which they refuse to do, however if I had insurance on these cards which I did they should have been paid off and recommended to me if this was taken care of which never happened the two credit card companies are credit XXXX XXXX XXXX and XXXX XXXX XXXX. Every attempt for me to contact these companies is future due to my phone being blocked from XXXX and by XXXX and XXXX I'm considering this a complaint and I will be going to the media this afternoon to make this public because it is false erroneous and flat out lies I also have an original report from annual credit report which is the most accurate in my possession which shows the information on there quite different from what they are reporting on my current credit report I doubt that they know that. I'll be filing next with the cfpb my reports against XXXX, XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquiries, I have never applied for these.
Product: Credit card

Yesterday, XX/XX/XXXX, I received email notification from Synchrony Bank that the terms for my XXXX Credit Card account had changed. I was directed to access my most recent account statement. Upon checking the statement, I learned that the company was raising the APR for new purchases on my account by nearly 10 %. The same evening, I reached out to the creditor through a messaging system in the XXXX app to request confirmation of what I believed I was seeing and an explanation for the action. Today, XX/XX/XXXX, I received confirmation from the company that the APR was increasing, with the excuse of " the changing market and regulatory conditions have cause the APRs we use to calculate interest to rise. '' In my opinion, this is a non-answer. I acknowledge that my creditors have the right to change account terms throughout the life of my account. I further acknowledge that the market and changing rules/laws can influence these changes. However, I firmly believe that it is the responsibility of the creditor to deal with the market and rule/law changes. Raising my APR by nearly 10 % is a grossly unwarranted and unfair solution that borders on usury, at least from a moral standpoint. According to the most recent account statement, the creditor stands to make up to nearly triple my current balance in interest at present. The action that Synchrony Bank has elected to take may not be unlawful, but is seemingly predatory. I humbly request that the CFPB assist in facilitating a fair solution.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : * -- XXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws. 

Fraudulent Accounts : XXXX : Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, '' must be removed immediately XXXX 

Demands : Immediate removal and blocking these accounts Written confirmation of account removals and an updated credit report. 

Implementation of fraud alerts and compliance with identity theft protections. 

Detailed investigation findings in writing. 

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.