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

EXTREMELY DECEPTIVE loan practices! They state a certain rate percentage on their website and lure you in to apply, then slap you with a much higher rate AFTER they run your credit and the corresponding hard inquiry. I applied for an auto refinance based on their website 's marketed rates on XX/XX/year>XXXX  ; read all of their fine print, exceeded all of the requirements, but the rate they gave me was nearly DOUBLE what their website listed. My credit is spotless, score is in the XXXX, and have a finance degree. I know EXACTLY what conditions need to be met in order to obtain the lowest rate. 
When I contacted their loan dept on XX/XX/year>, their claim was a farcical " well, that's just our underwriting process and what the system gave us .... '' That is absolute nonsense, a corporate line to cover their butts for predatory lending practices.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful
non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received message from card company asking if some charges where authorized by me. I replied no there where not. The card company sent me letter stating no fraud was committed. I replied back with letter stating it was obvious fraud. No reply. 
I called to check status, they stated they couldn't find said letter. I emailed my frustration, still waiting a reply. There was a charge of {$55.00}, then XXXX charges of {$140.00} then it stopped.Please help me in my situation. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX XXXX. The discrepancy is that the statue of limitation for this debt has ran out in my state. I have talked to the company about this and I have the response email attached. The law in my state of Maryland is also attached. I saw Experian is reporting that I am late on payments for this debt. I disputed this inaccuracy and Experian said that it is accurate. I have proof its not accurate and this is not the only inaccuracies I have on my credit profile that is hurting my credit.
Product: Checking or savings account

There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report showed Account Name XXXX XXXX XXXX XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Balance {$3800.00} As of XX/XX/XXXX Opening Balance {$2800.00} Closed Date XX/XX/XXXX However, I looked the loan up online and it said the loan was taken out in XXXX and paid in full in XXXX.
Product: Mortgage

TruHome solutions XXXX XXXX and XXXX XXXX were working on our loan application. During this process they repeatedly asked us to sign documents that were not accurate. They did not reflect the true closing costs or interest rate. When we requested the documents be updated they told us " it doesn't matter it's just signing that you saw a document ''. Honestly, we're not sure if they were just lazy, or if there was an ulterior motive to defraud. Either way the process stretched on for months, with TruHome solutions XXXX XXXX requesting either the same documents they had already received or additional documents the underwriters requested. TruHome solutions has been our mortgage holder for 4 years, they know our history. Each time she blamed it on Covid delays, but accurate documents are not the victims of Covid. I think someone needs to investigate why employees of a lender are telling consumers it's ok to sign a legal document that does not accurately reflect the agreement for loan terms and conditions. 
We started this process in early XX/XX/2020 and were told it would take approximately 3 weeks. We were told we were approved XXXX XXXX. We sent all requested information in and then things started going wrong.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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, credit repair services, or other personal consumer reports

Ive tried numerous of times to resolve this issue with Equifax. They are not fulling their grave responsibilities by not respecting nor protecting my right to privacy! They are not doing a proper investigation which requires going beyond just receiving information from non affiliated XXXX parties and falsely verifying information! Equifax NEVER DID AND DO NOT have my lawful consent to furnish anything to my consumer report without my consent!!! They are causing me financial harm and damaging my reputation by breaking numerous of federal laws In which they are suppose to be following! They have not provided me an investigative consumer report as requested which is evidence that they can not provide such information to me!
Product: Vehicle loan or lease

I finance a car through Credit Acceptance in XXXX and during the month I found that they was charging me over XXXX XXXX XXXX  interest rate, then by XX/XX/XXXX XXXX voluntary return the car because of divorce reason. Then during the same year Credit Acceptance sold the car to another car dealer for more than the value of the loan principal value paying off my debt. Later during XXXX I saw in my credit report that Credit Acceptance open the account and add a balance of {$11000.00}, immediately I call them and they offer me if I accept and agree paid them {$3000.00} in XXXX days, they will remote that information from my credit and I decline the offer. I never receive any letters or phone call from them, I called a few time requesting the information about how they calculate those charges and they hang up the call. During that moment and continue as today, Credit Acceptance are reporting on my credit that this loan is close but at the end of the month they report the account open it, increase the balance and later they report to close it.

In the attachment you will see the evidence how Credit Acceptance are reporting false information, what cost me me a lot of financial problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and again this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

As repayments restarted, I made my first payment on time. Got the confirmation email and no further communication from Nelnet. Go to pay this month, and they have last months payment listed as past due and no record of my XXXX payment. 
They are impossible to get ahold of to fix this issue, spent multiple hours on hold waiting for an agent, their email comes with a high volume discouragement notice. No email response when used, not even message received email. 

I am trying to fix this before it hits my credit report but if I can not contact the company I am trying to pay, I can not pay. It is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!
Product: Vehicle loan or lease

I entered in a consumer credit transaction with CarMax on XX/XX/2017. Your company has been harassing me ever since that day, and at this point I am DEMANDING an end to this. Your company is in violation of SEVERAL laws which I have outlined on my letter that your home office received XXXX XXXX. Your company violates 15 USC 1605 which states that all charges must be included in the " finance charge '' in all consumer credit transactions. In addition, according to 15 USC 1662 down payments are illegal and subject to violation. 

18 U.S. Code 8 - Obligation or other security of the United States defined - I do not OWN this " alleged debt ''
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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
Product: Credit card or prepaid card

I took out a BMO BANK rewards credit card on XXXX XXXX. If I spend {$1000.00} in 90 days I would get back {$200.00}. That was the advertised agreement. I spent {$1200.00} in the 90 days which was up on XX/XX/XXXX. Online it showed I have {$210.00} cash back. I called to find out about getting it back and got bounced around with phone transfers and they will not give me my money.
Product: Mortgage

Mr.Cooper I have contacted you numerous times to get a valid account number for extra payments, payoff and received nothing but useless information. 
Customer service is dismal, managers don't keep their promise to call back, valid e-mail addresses are not provided and you are wasting an unbelievable amount of my time by putting me on hold and passing me thru your system with no outcome. 

Who do you think you are? 

I attempted to make a transfer to the account your Customer service gave me verbally and in writing ( 3 times ) : > Bank Account # XXXX > Routing # XXXX > Bank Name : XXXX XXXX XXXX XXXX 
> Bank Address : XXXX XXXX XXXX, > XXXX XXXX, CA XXXX The payment bounces back because the account is not recognized. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman   XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX  ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.
Product: Credit reporting or other personal consumer reports

I was told by MoneyLion that because the information that had been provided to them years ago was not correct which i believe I uploaded an old id while waiting for my XXXX one to be mailed to me which caused the entire mess did not match public records I would be unable to verify my identity with them or ever use any of their products. I was told that it is impossible to have any of my information corrected and updated which is a violation of a XXXX residents consumer rights to exercise data access, deletion, or correction as well as consumer rights non discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. 

When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. 

After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. 

Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX Transunion and XXXX disputing specific accounts on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits them from sharing or reporting unauthorized or unverifiable information. 
Credit agencys continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law. I request CFPBs intervention to ensure compliance with these legal standards.
Product: Money transfer, virtual currency, or money service

trying to link PNC with my XXXX account the bank has blocked this. Its my money
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal options under FCRA to conduct reasonable reinvestigating of disputed information on my credit report, leaving in accurate or unverifiable accounts resolved .The CFPB has recently filed a lawsuit against EXPERIAN , alleging systemic issues such as failing to forward consumer -provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.