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

In XX/XX/XXXX, we leased our XXXX XXXX in XXXX XXXX  for an agreed monthly rate of {$480.00} for 36 months. 

In XXXX, we moved to XXXX  and reported this change to Toyota. Then they arbitrarily began charging us an additional $ XXXX with no explanation. 

When we called ( multiple times ) for clarity, they just said that's our new rate now. Absolutely nothing is detailed or itemized on our monthly statements ( see attached ) so there's no clarity to be found there either. And when we asked them to provide some sort of substantiation or evidence of this increase, they flat out refused. 

Further, this surprise increase had canceled our autopay without notice and our subsequent payment was late as a result which incurred a late fee. 

Since our contractual lease agreement clearly states a monthly payment of $ XXXX and nothing has been renegotiated, then {$480.00} is all we are required to pay. 

PLEASE NOTE : This account is under my husband 's name ( XXXX XXXX ) but I am an authorized person on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on Experian and XXXX just show written off as bad debt XXXX  Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately XXXX shows no payment history within the last 24 months
Product: Credit reporting or other personal consumer reports

My credit score has always been pretty high. Up in the XXXX - XXXX. One day, out of nowhere, my score disappeared from both XXXX and Equifax. It dropped down from XXXX to XXXX. I knew there was an error and I called XXXX first to fix it. They were able to retrieve my credit score right back to normal and get it fixed. I called Equifax ( this was about 3 weeks ago ) and nothing has been fixed. I have called three times ( once a week ) to make sure this gets resolved and I get told the same things each time. I ask for a supervisor every time who acts like they do something to fix the issue and they dont. None of the agents know what theyre talking about and they are stuck reading the same script. This is incredibly frustrating because I was told by a supervisor that it would be nearly impossible FOR MY SCORE TO BE THAT HIGH. Ive had that score for over four years now and have managed to get several apartments and cars based off this credit??? how would it be impossible? I am still on the phone on the waiting list for them right now while I am writing this complaint. This is ridiculous they have been no help whatsoever and I cant believe I havent received a single text or email or update - I have had to YELL and demand they transfer me to a supervisor because nobody seems to understand that this is an ERROR that needs to be fixed. I am continuously made to believe this is of my own doing.
Product: Debt collection

Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only. 

Refer to complaint # XXXX
Product: Money transfer, virtual currency, or money service

3 weeks ago I received an e-mail welcoming me to my new Worldremit money transfer account. I received a text with the necessary info to complete my account. 
I contacted Worldremit via their website notifying them I did not, nor have I ever, had an account with them and that any such account was identity theft. I asked that this fraudulent account be closed and any and all personal information be deleted. 
Worldremit has continued to e-mail and text me. I called today to try and resolve the matter since they never responded to my request. The customer service rep listened to me, then put me on hold to never return and I was disconnected. I called back and the customer service rep told me it was impossible to speak to someone about this and to e-mail. I advised that I had e-mailed to no response. She insisted that that was not possible they ALWAYS respond. I asked to be transferred to fraud/theft/consumer protections and was again told this is not possible. I asked how to delete the account and was again told not possible. I want this theft of my identity and fraudulent use of my name to cease.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> called, XXXX XXXX XXXX, stated XXXX freeze off, hurried state would call back never called. Went to appointment, for XXXX XXXX. Refused documents applied her amount of {$200.00}, when strongly stated, that not my rental amount is {$510.00}. Stated, by banker, after denied ; No one is going to give you a loan, stated, will pay off with aliomy payments.would use an secure card with Fifth Third Bank. Upon, leaving observed on XXXX XXXX screen my account information still open, with XXXX XXXX. Main financial, tried to assist with load pay off auto payment, after applying {$1300.00}, denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my words were erased. Im overwhelmed. My identity was compromised by Retrival-Masters Creditors Bureau , Inc. 
America Medical Collection Agency XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Notified me my social security and medical information was breached.
Product: Mortgage

Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you regarding account number XXXX from XXXX XXXXXXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I, XXXX XXXX XXXX  XXXX, exercised my right to opt out of an account with XXXX XXXX XXXX, as per the provisions under applicable privacy and consumer protection laws. This opt-out request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/year>, and via certified mail XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. 
On XX/XX/year>. 
By the end of XX/XX/year>, I received written confirmation from XXXX acknowledging receipt of my opt-out request in accordance with the XXXX XXXX ( XXXX ). XXXX confirmed that the request would be processed promptly. 
However, on XX/XX/year>, after reviewing my updated credit report, I found that the account in question was still present. I also spoke to XXXX on XX/XX/year>, and was informed that a request to remove the account from my consumer report had already been submitted. As the account remains on both my Equifax and XXXX consumer reports, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to enforce my rights and ensure the removal of this account from all relevant consumer reports. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
I have suffered emotional distress as a result of this matter and have felt severely anxious. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION XXXX XXXX XXXXXXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXXXXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Debt collection

This is a company called Naviete, Navaite ( spelling? ) They keep calling our personal house phone number and I have never done business with them and neither has my husband. Since we have never done business with them and we do not owe them any money, I want them to stop harassing us and stop calling our home number. They call 2-3 times a day and it is getting very annoying. Please help us to get these people to stop calling. They will not get money from us, we don't owe them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve an account with the company XXXX, XXXX. The account number with XXXX  is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with Transunion and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for XXXX on my credit report is : XXXX. This account with XXXX has been removed from my XXXX  report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX  report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

There is XXXX XXXX inquiries on my report XXXX  and eqfiax that not mine please help me to remove it
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

Transunion is giving my a hard time removing accounts that is not mines. I'm currently a victim of identity theft and I need these accounts removed. I will make a police report about these account I already filed a FTC report.
Product: Checking or savings account

On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted the proper documentation to XXXX, XXXX and Transunion showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX  XXXX XXXX, or Aidvantage to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Product: Mortgage

I changed insurance companies and sent in the reimbursed amounts from the previous company to Seterus so that the escrows would not be extremely short. Needless to say that amount sat in suspense for three months or more until after I had called XXXX 5 times to get it straightened out. then seterus took the whole amount of the billable insurance on my policy and added it to XXXX of my loans. Any XXXX in their right mind would know that XXXX house does n't have insurance in the amount of {$4300.00}. The mortgage on that property went up XXXX $ and we had to pay it from reporting late on our credit. that took 3 months to fix. now I have paid a principle payment on my mortgage followed the directions on how to do it and still another blunder. they just took my mortgage payment out of it. If I had not checked my checking account and asked why my mortgage had not been drafted I would n't have know ... the only attention to detail they have is what is my phone number and have I moved. I totally hate this servicer. they are awful ...
Product: Vehicle loan or lease

I paid off my loan with VW Credit on XX/XX/2023. 
Account # XXXX. 
Financed vehicle VIN is XXXX. 
They refuse to provide my title. It's been 51 days and counting. They refuse to answer questions about when I can expect to receive my title. 

It's not like I want the title to put it in my filing cabinet. I am trying to sell the car and this inexplicable and unnecessary delay is costing me hundreds of dollars. What do I have to do to get my title?
Product: Credit card or prepaid card

{$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. 

On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! 

I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. 

I will file criminal and civil charges against US Bank. I am Pro Se and IFP.

This is what fascism looks like XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible breach of privacy regarding sensitive personal information.
Product: Credit reporting or other personal consumer reports

I have credit inquires on my XXXX report that I did not authorize and would like them deleted immediately since they are unauthorized. XXXX will not allow consumers to dispute these inquires.