23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **XXXX XXXX XXXX XXXX XXXX***** has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally address Experians failure to verify or correct inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my prior dispute, the erroneous information remains on my report, and I have yet to receive adequate documentation verifying its accuracy.
Product: Checking or savings account

I opened checking account online on XX/XX/XXXX at Bank of America and didn't receive {$300.00} bonus for making qualifying direct deposits totaling {$4000.00} or more within 90 days from account opening. 

I filled claim which was closed based on that I didn't meet requirement as far as amount ( from the period of XX/XX/XXXX till XX/XX/XXXX Direct Deposits to my account were made for the amount of {$4000.00} XXXX. 
The claim was reopened but closed second time for the reason that one of the payments wasn't direct deposit ( all Direct Deposits were identical, from the same company ). 
Finally, the bank confirmed that all requirements were met but they denied the bonus because too much time passed after the promotion.
Product: Debt collection

I am disputing the validity of the unknown debt and for Focus Receivables Management to stop calling me.This XXXX number kept on calling over Eight timesRefused to Stop CallingI Texted reply STOP. I also requested the original contract with my signature, the complete information of the original creditor, the payments history and itemized bills, and proof of ownership. I told them numerous times to contact me in writing. They refused.
Product: Debt collection

Recently the commonwealth financial group has falsely reported my address the credit bureas as XXXX XXXX XXXX XXXX XXXX FL XXXX which is XXXX XXXX  and is on my my credit report to destroy my reputation. I want this remove immediately and will be obtaining legal counsel if not. The is an act of fraud and must be deal with accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complint against Bank of America for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XXXX 2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon Bank of America correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau XXXX XXXX how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from Bank of America and XXXX XXXXCredit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the XXXX and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.
Product: Debt collection

I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with trasunion. checking my file ive noticed Alort of errors. this has been my 2nd attempt to delete all negative items. please review the information listed to clear all accounts in question asap.
Product: Checking or savings account

I started creating my multi-currency business account at WISE more than a month ago and paid for the bank service, which only 15 days ago provided my balance information so I could start using my account, and when I proceeded to use my account, the bank cancelled it arbitrarily and discriminatorily on the part of this institution without prior notice and without reason, since my account is completely new.
Product: Credit reporting, credit repair services, 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 names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 : 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

There are unknown hard credit inquiries listed on my credit report by DT CREDIT, that I have no knowledge of with dates of XX/XX/XXXX and XX/XX/XXXX. DT CREDIT company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

Over the weekend I had small pending charges to my account and I had pending receiving credit which would bring my account to much higher positive rather than overdrawn. I believe, since they are going by the debit charges when they are clearing, the computer is generating a {$34.00} fee per item ; I was charged ( 3 ) three times : {$100.00} total. It was not a situation that I was cleared a negative for 24 hours but the same day transaction.

I spoke with ( 3 ) three Chase Manager Bankers and none of them had the power to override the computer error. The same situation happened to me this past XX/XX/XXXX and I was able to get credit, but this time they insisted that they are not able to offer me the credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with XXXX XXXX XXXX . I learned that an account was opened in my name without my knowledge or consent in XX/XX/year> when I received a credit alert that a charged off account was reported on my Transunion credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted XXXX XXXX to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with Transunion. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX innovis and XXXX are fraudulently collecting account via XXXX XXXX and XXXX XXXX that belongs to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan from XXXX was paid off but is now showing 60-90 days past due. This is effecting my score tremendously and I would like to get this updated asap.
Product: Credit reporting or other personal consumer reports

Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; XXXX, XXXX and Experian. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer.

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, XXXX, XXXX, and Experian fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, XXXX, XXXX, and Experian furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : XXXX, XXXX, and Experian does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e. 

By not adhering to these statutes, XXXX, XXXX, and Experian jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.
Product: Vehicle loan or lease

On XX/XX/21, I went into XXXX XXXX to buy a new car with my dad. I ended up buying the XXXX with a cash deposit of $ XXXX and a trade in worth $ XXXX, financing {$18000.00}. At first, we did not like the APR of 3.74 %. We asked XXXX ( General Sales Manager ) if we could get a lower rate and he told us no. He explained that although my credit score was XXXX, I only had student loans and credit cards. I did not have any auto loans or mortgages and therefore, according to him, I don't have any real debt. However, a student loan and an auto loan are both installment loans. I have never missed a payment on my student loan. We then asked if we could get our own financing and he told us no, that all financing had to go through the dealership. Then, we asked him to turn the deal into cash and he told us that they are not accepting cash deals and if we wanted to buy the car, we had to finance through the dealership. Since I needed the car, I agreed to the finance deal. My dad told XXXX that he would pay off the loan with the first statement. XXXX told us we could not do that, we had to wait 3 months before we could pay off the loan ( there were no deals or special financing ). I have three concerns : 1. As an agent of the bank, XXXX knowingly and willingly misrepresented the terms and conditions of the loan for additional profit. During the signing of the contract, we read that there was no prepayment penalty and we did not have to wait 3 months. This is Fraud! I would like to see an audit of all of their finance deals to see how many people paid off their loan in 3-4 months. It would be nice to know how widespread this fraud is. 
2. I am confused on why XXXX gave us a higher rate because I don't have a car loan. He told me I don't have any " real '' credit. Student loans and car loans are both installment loans. I put down a deposit of over 50 %, my FICO score is XXXX and I have a perfect payment history with my credit cards and student loans, I should have qualified for a lower rate. What rate did Wells Fargo assign and what was the additional percentage XXXX added onto the loan? What criteria did XXXX use to come up with this new rate? Since XXXX 's priority is profit for the dealer and himself, does he use the same criteria for each customer or does he arbitrability assign a rate to each customer? I feel that he was taking advantage of me because I am a young female. 
3. It is my understanding that it is illegal to force someone to finance a product and not accept cash. If there was an audit of their sales for the last 30-60 days, I am pretty sure you would see some cash transactions. So why did they refuse to sell me the car for cash? So, what criteria did XXXX use when applying the " no cash policy ''? Does this dealership always take advantage of young female customers?
Product: Debt collection

I paid off Wells Fargo over 50 % of my debt on the CC. I missed one payment and they put back all of the late charges they took off so I ended up owing just as much as before I sent them my tax return. Then one day they called me from 6 different numbers and I after I tried to talk to them they said they couldnt work out a deal and they wanted to hurt my credit. I then hired Contacted an attorney who I never heard from either but Wells Fargo says I owe them XXXX $ and I paid them at least XXXX $ of that twice.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. I am a victim of a data breach, and these accounts were added without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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 According to : 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

There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account please see attatched documents of the said accounts
Product: Credit reporting

In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX