23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DEPT OF EDXXXX XXXX Balance : {$64000.00} DEPT OF EDXXXX  XXXX Balance : {$6400.00} DEPT OF EDXXXX  XXXX Balance : {$13000.00} DEPT OF EDXXXX XXXX Balance : {$1200.00} DEPT OF EDXXXX  XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which violates federal law. I previously sent a letter to the three credit bureaus on but I have not received any response. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, these accounts must be accurately verified. If they are not validated, I will be compelled to pursue legal action. I strongly urge you to comply with the law and resolve this issue without further delay. 
XXXX XXXX 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

I went to local Bank of American Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Bank of America. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Bank of America and was told that there is nothing they can do because I do n't have a bank account with Bank of America. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Bank of America - " We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Bank of America branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.
Product: Checking or savings account

Receive a cordial greeting. 
The present is to report the first days of XX/XX/2019, I was a victim of fraud in my savings and check accounts that I have with 53 Bank. My accounts were emptied. more than {$20000.00}, stolen. 
Account information Name : XXXX XXXX by  XXXX Accounts summary, Numbers : XXXX XXXX XXXX ; XXXX XXXX XXXX, I am currently in XXXX To summarize the process : " On XX/XX/2019, I was sent a debit card to the address of my home that I have registered in my accounts. For the day today I have not received it. I don't know who took the card, and on XX/XX/XXXX they started to make withdrawals at ATMs, repeatedly for more than 15 days. I have a phone number associated with my account in the United States which is XXXX XXXX, in this I did not receive calls from any representative of the bank alerting the situation or asking for authorization to make the cash withdrawals from my account. 
I have an email associated with my accounts which is XXXX, in this I do not receive fraud alerts, notification of card activation, any notification that would alert me what was happening with my money. Only as of XX/XX/XXXX I begin to receive low balance notices in my accounts. It's that moment is that when I communicate with the bank. '' The number of cases are as follows : Savings Dispute : XXXX - Cheque Dispute : XXXX Therefore I do not recognize withdrawals or charges to my account, because I do not have a debit card, I do not request a card activation to anyone, do not speak to the representative of the bank authorizing withdrawals, in addition to never receiving alert by mail or phone to stop the fraud that was being committed. 
I also do not recognize charges that have been generated by overdraft, or under balance sheet because of fraud. 
Please I need help, are my saving, I'm a senior person. 
Thanks XXXX XXXX
Product: Debt or credit management

Monarch legal group charge high fees and use third party who charges fees to debit from my account. They extended my program and have not paid all creditors but reported they did..my creditors show charge off on my credit report but monarch report as debt settled. Reprise financial services also charged me high fees for debts from my account
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I found inaccurate accounts on my credit report this morning, and Im at a loss as to why theyre there. I check my credit report regularly, and its always been fine, but today there were errors that seemed to come out of nowhere. I even tried refreshing the browser, hoping it was just a mistake, but the inaccuracies persisted. Im now requesting that the documents Ive submitted be carefully reviewed to prevent this from ever happening again.
Product: Vehicle loan or lease

I am filing this complaint regarding my purchase of a new 2024 Toyota XXXX from XXXX XXXX XXXX on XX/XX/2024. The dealership has failed to honor its commitments and has caused significant financial and credit-related issues. 

Unreturned Deposit : Prior to purchasing the vehicle, I was required to submit a {$500.00} deposit for the dealership 's efforts to secure the vehicle from another dealership. This deposit was agreed upon to be refunded within two weeks of the vehicle purchase. However, the dealership has not returned the deposit, and I have initiated a charge dispute with XXXX XXXX to recover the funds. 

Duplicate Loan Applications : After purchasing the vehicle, I discovered that XXXX XXXX Toyota submitted two separate loan applications through Toyota Financial Services for the same vehicle, resulting in two active loans. This error was brought to my attention only after both loans were processed. 

Upon realizing the issue, I immediately contacted Toyota Financial Services and XXXX XXXX Toyota to resolve the matter. Toyota Financial Services informed me that the dealership must correct the problem, but XXXX XXXX Toyota has failed to respond or take corrective action despite multiple attempts to reach them. 

Impact on Credit and Financial Burden : The existence of two active loans for the same vehicle has negatively impacted my credit score and caused undue financial strain, as I am required to meet the terms of both loans while this issue remains unresolved. 

Despite my repeated efforts to resolve these matters directly with XXXX XXXX Toyota, they have not provided any resolution or updates. Their lack of response has left me with no choice but to escalate this issue to the Consumer Financial Protection Bureau. 

I request your assistance in ensuring that : - The {$500.00} deposit is refunded immediately. 

- The duplicate loan is canceled, and my credit is restored to reflect only the appropriate loan. 

- Any negative credit reporting resulting from this situation is removed. 

Thank you for your attention to this matter. Please let me know if further details or documentation are required to support my case.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights under 15 U.S Code 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose.
Product: Student loan

I was affected by Hurricane Harvey, XXXX XXXX did a 12 month forbearance on XX/XX/2017 and now they reported late payments to my credit report lowering my credit score 100 points. I never received a delinquency notice or email or phone call about late payments. They don't want to remove negative credit reporting and i need a loan to fix my home. I lost everything and this is the last thing I need! I need to rebuilt my life. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made dozens of requests for my credit report since XX/XX/XXXX, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on XXXX. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online. 

On XX/XX/XXXX, I again attempted to retreive my credit report from Annual Credit Report, which was refused and required a written request. Please see attached documentation. 

On XX/XX/XXXX, I attempted again to retrieve my credit report from TransUnion on my account after logging in. Please see 3 pages for the requests which was refused. Their website says I am able to request a credit report every 24 hours, which is false. 

On XX/XX/XXXX, to test a theory that TransUnion will not provide a FREE copy but will provide a PAID copy, I signed up for the credit monitoring service on TransUnion 's website. I was able to set up an account very easily and TransUnion did not request an information to verify my identity and PROVIDED A COPY OF MY CREDIT REPORT. Please see attached. 

TransUnion is refusing to provide me with a free copy of my credit report and is forcing me to purchase it in order to access it. The representative with whom I spoke in XX/XX/XXXX gave me falsified information regarding the inaccessibility of my credit report online because of a fraud/security freeze. I have had a security freeze on my credit report since XXXX and only for the past six months have they refused my credit report online. 

I have also attached several documents of proof of identity and address so that TransUnion has no excuse of dismissing or ignoring this complaint referencing proof of identity.
Product: Credit card

Background : I've used same credit card for XXXX years and have {$35000.00} limit. My spouse is an authorized user. 

Issue : US Bank recently created new process XXXX months ago whereby anytime my spouse spends a $ limit, I receive a text message and have to provide timely provide it to her for the transaction to go through. This happens multiple times a week. 

Attempt to Remedy : I've called the credit card XXXX XXXX XXXX. Most recently ( XX/XX/year> ) agent informed me the card company would require me to open a new credit card with my spouse as a co-applicant, and that's the only way they can address this. XXXX acknowledged it was a terrible policy and needs to be addressed ( noting he had the same issue with his spouse using the card ). 

Opening a new credit card is not acceptable remedy. I would simply like to add my spouse to the existing card, vs. XXXX opening a new line of credit.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
Product: Debt collection

It was worth checking for my bill and my bill is just not right. I don't agree with my doctor office visit bill **the total cost of {$770.00} and my insurance paid {$530.00}. 

I contacted the billing department to explain the charges but there is no explaination and they just transferred to the debit collection agency, I also contacterd the debit collection agency ; however, I couldn't find any helpful information from them at all. They were very rude. 

Therefore, I need to file a complaint.
Product: Debt collection

AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized inquiries and accounts on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX and XXXX for infringing upon my consumer rights by including these accounts in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1000.00}. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

Diversified Consultants , Inc . 
Falsely claims a debt owed to their company from XXXX XXXX XXXX. I never subscribed to XXXX XXXX XXXX for any service.They are calling everyday and harassing me. I need help with this matter
Product: Checking or savings account

I opened this account on XX/XX/2016 i never had access to my funds since i opened the account they keep on giving me the run around saying that they mailed the money and don't the account number is XXXX. I am tried of these games this bank is playing. They mailed me a letter saying if i had any questions to call this number and no one ever answers the number.
Product: Debt collection

Paragon Revenue Group is attempting to collect debt for a medical expenses in the amount of {$3200.00} I XXXX XXXX DID NOT authorize these medical charges. There is no signatures authorizing these charges by myself. Supposedly a phone authorization. I did not authorize these charges. I have also requested Paragon Revenue to provide me with a copy of their license to collect debt in the state of Wisconsin. Paragon Group FAILED to show license and signature verification of this debt. I demand this be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear XXXX XXXX Transunion XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Experian, and XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of 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. 

Account Name : DEPT OF ED/XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/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 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

Nature of the Violation : Experian is blatantly violating federal law by refusing to properly investigate my legitimate dispute regarding fraudulent charges. Instead of complying with the Fair Credit Reporting Act ( FCRA ), Experian has engaged in deliberate obstruction tactics, knowingly misrepresenting my dispute and imposing illegal barriers to prevent my case from being resolved. This is not an oversightit is a systematic and willful disregard of consumer protection laws. 

Specific FCRA Violations Committed by Experian : 1. Knowingly Misclassifying My Dispute to Avoid Investigation Experian has deliberately misclassified my dispute as an identity theft claim, even though I never alleged identity theft. I disputed fraudulent charges, which is entirely separate from identity theft under the law. Experian is falsely applying identity theft protocols to force me into an illegal bureaucratic loop, where they can unlawfully deny my dispute without an actual investigation. 

FCRA Violation : XXXX U.S.C. XXXXi ( Section XXXX ) Failure to Conduct a Proper Investigation Experian is legally required to investigate all disputes fairly and accurately. Instead, they are intentionally categorizing my dispute incorrectly to justify an outright refusal to investigate, in direct violation of federal law. 

2. Illegally Requiring a Police or FTC Report to Process My Dispute Experian is knowingly misapplying FCRA XXXXB ( XXXX U.S.C. XXXX ), which only applies if a consumer explicitly claims identity theft. I have not done so. Their demand for a police report or FTC affidavit is completely unlawful and constitutes an intentional obstruction of my rights under the FCRA. 

FCRA Violation : XXXX U.S.C. XXXX ( Section XXXXB ) Fraudulent Charge Disputes Do NOT Require an Identity Theft Report Experian has no legal authority to demand a police or FTC report for a fraudulent charge dispute. By doing so, they are engaging in an illegal and deceptive practice designed to discourage and obstruct valid disputes. 

3. Intentional Delay Tactics and Failure to Investigate Experians actions are not only illegal, but they also demonstrate a pattern of willful noncompliance with federal law. By falsely claiming I must submit additional, unnecessary documentation, they are : Deliberately stalling the dispute resolution process Imposing illegal barriers to prevent resolution Failing to meet the 30-day statutory requirement under the FCRA FCRA Violation : XXXX U.S.C. XXXX ( a ) ( 1 ) Failure to Investigate Within the Required 30-Day Period Experians tactics amount to a knowing and willful violation of consumer protection laws.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :