23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Fraudulent loan, XXXX is claiming a work was made in my property with a value of {$100000.00} & completed on XX/XX/XXXX, which is false. XXXX XXXX XXXX and XXXX without my knowledge or authorization processed a fraudulent loan with XXXX XXXX. The only work done in my property was the installation of twenty-five solar panels that I do not need because I had solar panels installed since XXXX. XXXX XXXX submitted several claims for the same solar panels ( there is no record of work permit ), and there are other companies claiming the same work. Did they prove they were able to complete a construction in less than XXXX XXXX? I signed an stimate on XX/XX/XXXX but XXXX XXXX were paid by XXXX on XX/XX/XXXX. Credit check, work completed and payment in less than XXXX XXXX is incredible for an scheme like that, I understand they did all on line because loan documents do not have our signatures, nothing was presentes to us in our meeting of XX/XX/XXXX and no loan conversation was covered. XXXX XXXX absconded but were finally served to respond in Court the multimillion scam he is running with other construction companies and financial institutions. My property is available for inspection.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX, I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

continue my refinancing, I pay off the equity line to Wells Fargo Bank, they charge unknown amount of {$720.00}, call they why charge, they said " you are forclosure, '' I told them I pay off the Equity Line, they said that they will investigate. 
But I got a letter ( attachment ) listed for closure in 2008. 
This was muntrue, I never have forclosure. 
Please check in this, I do not owe them any money. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 ACCORDING TO THE FCRA SECTION 605B. IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT. 
15 U.S. Code 6801-6803. Protection of nonpublic personal information ( a ) Privacy obligation policy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I believe the reporting of this unauthorized account violates the Fair Credit Reporting Act ( FCRA ), specifically sections 602, 607, and 611 ( 15 U.S.C. 1681a, 1681e, and 1681i ). These sections address permissible purpose, reasonable procedures to assure maximum possible accuracy, and procedures for disputed information. 

I have *not* given permission to report this account, and there is no permissible purpose for it to be on my credit report. I request that you immediately remove this account from my report. 
XXXX XXXX
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.has violated my rights. 

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX  XXXX XXXX Equifax Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

On XX/XX/XXXX, my identity was used to apply for a car loan. They ran at four different times at XXXX XXXX XXXX XXXX, California as soon as I got the email alerting that my credit was ran I called them. It was at XXXXXXXX XXXX  and I was told that they would list it and they would be removed. I have been fighting with Trans Union For almost a year and a car and they keep saying validation is confirmed, but they have not shown any proof that its been validated and if you look at my record once I receive that alert, I immediately lock my credit report
Product: Credit reporting or other personal consumer reports

This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian and advised them that multiple inquiries on my credit report are there due to fraud and I was advised that the inquiries would be removed. Upon checking my dispute results the status say remains. I need these hard inquiries for which I did not do, removed from my report asap.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I encountered an individual online who, in the course of our interactions, introduced me to two cryptocurrency investment entities known as " XXXX '' and " XXXX. '' Given my limited knowledge and experience in the field of cryptocurrency, I placed my trust in this individual and followed their instructions accordingly. Consequently, I initiated a transfer of funds from my personal Key Bank account to an intermediary platform called XXXX, where the funds were subsequently converted into cryptocurrency and directed toward the wallet of the individual in question. It is important to note that this transfer was carried out under duress and based on false representations made by the individual. 
Subsequently, upon expressing my desire to withdraw the purported profits from my investment, I was informed by the aforementioned individual that I would need to satisfy a significant tax obligation. This particular development raised considerable suspicion and prompted me to exercise caution. Consequently, I decided not to comply with the request to pay the indicated tax. Regrettably, my refusal to fulfil this demand resulted in my expulsion from the platform and the subsequent blocking of my account. It is important to emphasize that these events transpired within the context of what can be perceived as an orchestrated scam. The individual who introduced me to the aforementioned cryptocurrency investment entities appeared to have engaged in coercive tactics and deliberately misled me to illicitly obtain funds. This unfortunate experience serves as a stark reminder of the need for due diligence and vigilance when navigating the complex realm of online investments, particularly within the cryptocurrency landscape. The total amount sent from my Key Bank account is XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX XXXX5 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: Debt or credit management

I, XXXX XXXX XXXX, entered into an agreement with XXXX XXXX XXXX regarding unpaid annual HOA assessment fees. Since XX/XX/XXXX, I have been trying to pay off the debt following bankruptcy advice from a previous attorney. On XX/XX/XXXX, I agreed to a payment plan to settle the past balance of {$1600.00} within 12 months. I sent the first payment overnight on XX/XX/XXXX, addressed to XXXX. As the time for the XXXX payment approached, I realized I did not have sufficient funds, so I contacted XXXX to request a few days ' extension. She informed me that XXXX XXXX had canceled the payment plan and was now demanding full payment upfront, which I am unable to provide at this time, hence the reason for the payment plan. XXXX failed to notify me of this cancellation ; I only learned of it when I asked for the extension in XXXX. I believe my request for an extension is reasonable, as I am not avoiding the debt. I have limited income and must manage other bills accordingly.
Product: Debt collection

LVNV is on my credit for XXXX XXXXXXXX. I have contacted them and they will not even talk to me because I can not provide address utilities were at. I have never had utilities with this company. I have never lived in Texas. I do not know anyone in Texas. They keep telling me I have to verify the address they have. How would I have that if Ive never lived in Texas and did not establish an account with them. I have tried to dispute and they returned comment on my dispute that they verified it was me but provide no proof. How can I have a debt for utilities in a state Ive never lived in?
Product: Credit card or prepaid card

XX/XX/2022 Consumer Financial Protection Bureau : Capital One Bank is fraudulently charging consumers for " late fees '' despite making payments on time, and on the due date, in the evening. They are purposely misleading consumers to assume their payments will be on time that evening, by not making consumers aware they supposedly have a " cut off time of XXXX '' which is unheard of with banks. Banks allow payments to post by midnight to be on time. They also keep this information hidden from consumers so they are not aware of this so the bank can make more profit at the expense of consumers, by falsely letting them assume their payments are on time, when they farudulently cut the time off at XXXX. This is fraud, and deceptive banking practice. 

On XX/XX/XXXX, at XXXX, I attempted twice with Capital One to get this erroneous and fraudulent charge of {$36.00} removed, which was charged on the date I made a payment, when the payment was due. I also asked to speak with a manager, by the name of " XXXX '' who also refused to credit this fraudulent charge. I asked him why am I being charged for a payment I made on the same due date, and he stated, " You have 29 other days to make the payment '' and also refused to address it or fix it. He also refused to give me his last name. Odd banking behavior for a major bank and completely unacceptable. I am asking for someone to intervene as this bank can not be trusted to do the right thing and refund fraudulent charges. This is how this bank makes profit. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Captial One Acct Number XXXX
Product: Credit card

XX/XX/XXXX - I moved to my current residence, and ordered a recliner, rugs, etc., from XXXX. Everything is paid in full, except for the recliner. 
XX/XX/XXXX- Within 2 months, recliner began having irregular operation/movement and wasn't working smoothly. 
XX/XX/XXXX - Contacted XXXX, Comenity Bank ( credit card ), and XXXX  ( issuer of 5 year extended " Elite 5 year Replacement Warranty ) XX/XX/XXXX- XXXX, a service technician came to my home, and declared that my new recliner could NOT be repaired, as it had a " MANUFACTURER DEFECT '' ..... HE ALSO REFUSED TO LET ME MAKE A COPY OF HIS 'REPORT ', before he left my residence. 
XXXX thru XX/XX/XXXX - Continued making on time payments while Comenity Bank, XXXX, and XXXX insisted they were promising to " resolve '' the issue. 
XX/XX/XXXX - Comenity Bank sent a letter to all it's customers, telling us they would NO LONGER be servicing XXXX Credit Card as of XX/XX/XXXX. 
XX/XX/XXXX- Comenity Bank reported my discontinuation of on-time payments, to XXXX. 
XX/XX/XXXX Comenity Bank removed the derogatory remarks from my credit report. 
XX/XX/XXXX- Comenity AGAIN reported derogatory remarks, to XXXX.. for this same issue. 
XX/XX/XXXX- Sent a 20 ( +/- ) page file to XXXX, proving I had good cause for stopping payment. They informed me that Comenity had " closed my account '' back in XX/XX/XXXX. 
NOW ... .. not only is my credit report being affected - AGAIN - for the SAME issue, but Comenity Bank expects me to pay the ENTIRE amount, when my on-time balance in XX/XX/XXXX, was approx. {$190.00} I have- so far - had one of my other credit cards lower my available credit, due to this negative information.
Product: Vehicle loan or lease

I have been purchasing XXXX XXXX  from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two  car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles. 

Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX  with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit. 

This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible. 

Please help, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers have the right to opt out of any reporting per 15 USC 6802-6805 16 CFR 313. There has been a violation of consumers privacy ( 15 USC 1681 ( b ) ). This issue is with Early Warning as they have access to bank transactions. There would need to be proof that the banks has given out private information, person spoken to or written communications as well as any documents/ application wet ink signatures of consumer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hesaa is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

Account: XXXX XXXX XXXX XXXX XXXX
Dispute XXXX XXXX XXXX XXXX Dispute XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX 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 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 NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance XXXX {$4000.00}.