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

My amount financed was {$39000.00} as of XX/XX/XXXX which is the day that I signed the truth in lending disclosure. By the time I got the welcome notification from Honda on XX/XX/XXXX, my amount finance had increased on {$39000.00}. I asked where the {$110.00} had come from they told me it was interest that was added on to finance charges even before my first payment was due. I was shocked that I was forced to pay interest on top of interest even before I had a chance to make online payments. My first payment was not due until XX/XX/XXXX. Honda was going to add a whole month of interest onto my finance charge before my first payment. 

So I try to pay down as much as I can the next day on XX/XX/XXXX. My payment took 2 days to reflect on the account. Then, I found out today XX/XX/XXXX that my payment of {$29000.00} was processed, but the entire {$29000.00} did not went into principal. They had taken out {$110.00} for interest and applied only the rest {$28000.00} to principal and my first payment is still due in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. UnXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

For unknown reasons Experian and XXXX have denied me my free credit report via online. On XX/XX/22, I attempted to order my Experian & XXXX Credit reports. Request for my Identity verification was successful- Both Experian and XXXX sent me a code to my phone which I immediately entered into the proper space, But still denied. There is no reason for Experian and XXXX to restrict me from obtaining a copy of my credit report online. 
If there is a security problem with my credit report than it is essential that both XXXX and Experian provide me with the SPECIFIC security issue so that I may protect myself going forward. There for I am requesting the specific reasons why I was denied an online copy of my credit report.
Product: Credit card

Chase Credit card provided a credit card number to a merchant that I had not provided myself. I called and put the charge in dispute, Chase committed fraud by providing my credit card number without my approval to a merchant
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

YOU Experian have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

XXXX  anXXXX XXXX and XXXX are partners in the borrowing institution. The information from XXXX XXXX  never appeared on my credit report until the account XXXX was reported as a fraudulent account from XXXX There i request that Equifax and XXXX XXXX remove the account from my credit report as this matter was removed under XXXX  These are both under the same institution of borrowers. I have documents from XXXX which provides a accurate credit report under the FCRA. 15 USC 1681ei protect my consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Debt collection

In XXXX, the Comenity Capital bank ( The Childrens Place ) placed an account in collections through " The Bureau '' claiming that the card and the debt belonged to me. I submitted a claim with the CFPB,, also with the original creditor as well as the debt collector requesting a cease and desist if the creditor or the debt collector could not provide me with the original instruments of account opening, including but not limited to, the identification card used to open the account and any contracts bearing my signature. Once that information could not be furnished, the Bureaus had no choice but to remove the account from my credit report as well as comply with the cease and desist order. The collection account was removed from my credit report. 

Subsequently, in XX/XX/XXXX, the Comenity Capital bank re-sold this debt to a different debt collection company, XXXX XXXX, placing this account in collections on my credit report. Since then, they have not furnished me with any information or documents to validate this debt, yet their practice of placing an unsubstantiated debt on my credit report without notifying me or validating the debt is illegal as per FCRA guidelines. 

I am requesting a complete cease and desist order against Comenity Capital bank from outsourcing this debt to any other collection companies until they can properly authenticate this debt as belonging to me. I am also requesting that XXXX XXXX remove this derogatory account from my credit report. I have contacted Comenity Bank as well as XXXX XXXX. 

They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging my credit rating.
Product: Credit reporting or other personal consumer reports

Law firm has full file. Student loans from XXXX  and earlier paid off in full w service provider keeps being reported NOW by new providers like Edginancial against me?
Product: Debt or credit management

LVNV Funding LLC has purchased your XXXX XXXX account from XXXXXXXX XXXX. This communication serves as your written verification for the terms of this agreement that have been authorized on the above referenced debt. Any variation from the provisions outlined in this letter, without consent from this office, may nullify this offer. The total amount authorized is {$210.00} in the following payments. XX/XX/year> - {$210.00} Reference Number! XXXX
Product: Checking or savings account

Hello, I have been in a 4 month run around with my chargeback and Bank of America. This started XX/XX/XXXX when the company I bought from sent me a defective XXXX totaling up to XXXX XXXX and I reported this to the seller but they told me to wait a while as they are going to process a return for me as soon as possible ( I showed proof of this ). Around XX/XX/XXXX I contacted again since they havent said a work to me and to my surprise they tell me the return window is closed so now I have a defective XXXX and no return possible ( I showed proof of this ). I contacted a higher up and they initiated my return for a one time refund ( I showed proof of this ). Fast forward 2 weeks usps has my package and tells me the customer for the package ( the company I bought from ) has refused the return and my package will be sent back shortly. I contacted the company one last time in hopes of fixing the wrongs but they blocked my account and blocked any accounts made in my household. ( I showed proof of this ) with all this information a shipping return number and multiple interactions with the company you would think a chargeback would win? 

Bank of America is the worst company for chargebacks, constantly I called them and they tell me I need this and that for the last 4 months ( proof of documentation, shipping number, emails or messages, proof of defective merchandise, etc ) I provide Bank of America all the information needed and they still side with the other bank and doesnt give me any reason besides The charge is valid and a refund isnt due I have seen this message countless times after providing the information they ask from me, they dont do anything to help with claims and these last 4 months have been XXXX. I will be shutting down my account since for some reason my own bank sided with the company who gave me an item thats defective. I have showed every proof they asked from me and now they said nothing will help my case although everything backs up what I have received and done up until now
Product: Debt collection

Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.
Product: Bank account or service

it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I went into the title max store to make a payment on an exisiting title loan. While in the store I asked a store associate why my previous paid off loan and the loan I am currently making payments on was not reflecting on my credit report. The associate handed me a brocure of some sort that explained credit reporting but not how Title Max reports to the bureaus. I reached out to the credit bureau XXXX and was told that the consumer doesnt report their own credit and that the company recieving payment from the comsumer does '' which is something I already knew. The next day I called title max and told them and also questioned them on how I could get my loan payments reported to the credit bureau. I was given the run around and met with being told they are not sure how that process works. On XX/XX/year>2025 I reached out to title max store. The young lady who answered told me she did not know anything about reporting. I then found the number to corporate to Title Max. I was told that, credit reporting would be something a XXXX at the current store my title loan was at could help me with. I told the young lady at the corporate office that I have already attemted to do so and that I have been given the run around and that I would just like my current title loan and previous paid off title loan reported to the credit bureau as it should be. I still did not get any closure to this situation.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve
Product: Debt collection

Debt verification lettter was sent on XX/XX/XXXX by certified mail. Tracking shows receipt of letter was received on XX/XX/XXXX. See in uploaded documents. Under FCRA, the company is required to report accurate information. The company has yet respond to the request as of XX/XX/XXXX which could imply that this debt is not mines
Product: Debt collection

I am filing a complaint against FRANKLIN COL because they are attempting to collect a debt that I do not owe them. Account Name : FRANKLIN COL, Account Number : XXXX I would like for FRANKLIN COL to removed the above account from my credit report because it has already been paid. This incident has been very detrimental to being able to obtain a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently after obtaining a copy of my credit report I discovered that XXXX XXXX XXXX XXXX is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX  ] sold the account to XXXX XXXX XXXX for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section  611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' XXXX XXXX has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Starting in XXXX there were charges to my card that were not authorized. I only use the card a couple of times a month to pay my bills, so did not notice right away. 

When I realized, I cancelled the card and got a replacement. I also sent a letter to the company with all the charges that are not mine. It was sent on XX/XX/XXXX. It has been at the post office there since XX/XX/XXXX, and is just sitting there. No one is picking it up. I have tried calling, but can not get through to a real person. 

The charges are almost daily starting XX/XX/XXXX until XX/XX/XXXX.
Product: Credit card

XXXX XX/XX/2024. 

The Manager/Director Credit Card Department XXXX  , Account Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone : ( XXXX ) XXXX Dear Sir/Madam : ( RE : Card # : XXXX ) I am writing in reference to the above credit account number. I hate what you did to my account and demand an action from the Consumer Financial Protection Bureau ( CFPB )!!! I was always on time with my payment, not a single payment was missed over the years, and I complied with the Terms of Agreement and Disclosures. But you, a XXXX Credit Card Company, decided to impose recent changes by raising my Interest Rate ( APR ) at skyrocketing rate of XXXX  % & XXXX % fixed rate effective XX/XX/2024 and added an account Maintenance Fee of {$5.00} per month and then asked me to either reject or accept the NEW terms. And if you reject, the account will be closed. XXXX XXXX XXXX  Analyze that and see if the customer is and will be better off either way. There is NO WAY!!! These CREDIT CARD Companies are truly XXXX XXXXXXXX!!! 

Since you already closed my account and had impacted my Credit Score downwards, I want you to lower my interest rate to XXXX % ( fixed ) and I will continue to pay at that rate over the years until paid. I am committed to paying my debt ( like a Debt Management Program ) at that lower interest rate ; but NOT the fixed XXXX % or XXXX9 % as you had imposed in a usurious ( XXXX  ) way.