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

This is for Loan #  XXXX  When I leased the new infiniti from  XXXX  Infiniti on  XXXX / XXXX /  XXXX   they verified that my car insurance with  XXXX   XXXX   XXXX  was active. I gave them a copy of my insurance card with  XXXX  an d Infiniti Finance to up date vin # and verify with  XXXX   XXXX  that Insurance was in force.     I was rear ended in an accident by a dump truck. The accident was not my fault. When I called  XXXX   XXXX   XXXX  to let them know I was involved in a car accident, they told me I was not covered.     I contacte d Infiiniti Finance im mediately to let them know of their error and that I was not goi ng to drive the   vehicle in a damaged state. I can  not drive their  vehicle in its unintended condition. Thus, I returned their vehicle to  XXXX  Infiniti in  XXXX .     I told them I was not going to make any future lease payments until they repaired their vehicle. I gave them all of the Insurance information from the other driver.     They were going to call me back a month ago and agreed to not put anything on my credit report. However, they have and it is Fraud
Product: Credit card

In accordance with the Fair Credit Reporting act JP Morgan Chase Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax. 

1. On Sunday, XX/XX/XXXX, I signed onto the Equifax website to remove a freeze on my account in preparation to apply for a mortgage with XXXX XXXX XXXX XXXX. 
2. According to the Equifax website, I successfully removed the freeze from my account. 
3. Today ( Monday, XX/XX/XXXX ) at approx. XXXX A.M. I received a message from XXXX XXXX XXXX XXXX indicating that they could not obtain my Equifax credit report due to a freeze on my account. 
4. I signed onto the Equifax website and the website indicated that that my account was " not frozen ''. 
5. I responded to XXXX XXXX XXXX XXXX indicating that my account was " not frozen ''. 
6. Today ( XXXX, XX/XX/XXXX ) at approx. XXXX P.M. I received another message from XXXX XXXX XXXX XXXX stating that they " had just phoned Equifax and Equifax stated that my account was still frozen and XXXX XXXX XXXX XXXX could not obtain an updated report ''. 
7. I again signed onto the Equifax website which stated that my account was " not frozen ''. I obtained a screen print which I then sent to XXXX XXXX XXXX XXXX. 
8. I then called Equifax and went through their " automatic phone system ''. The system is so unfriendly to the user. For example, the consumer can not answer a question until listening to the entirety of the recording. The choices offered to the consumer do not cover all conditions and so the consumer is forced to guess on what options to select. One of my question stated " for the above account ... '' I was on the phone so what account were they referencing? Clearly Equifax does not mind wasting the consumer 's time.

9. After being on hold for 40 minutes, I was finally connected to an agent who was clearly not a " native English speaker ''. The connection was so poor and I could hear all kinds of background noises. I am XXXX XXXX XXXX and while my hearing is normal there are plenty of people with XXXX  XXXX and who would not have been able to understand the agent due to his accent and the background noises. 
10. The agent stated that he removed the freeze from my account. Since I had removed the freeze from my account the previous day, how am I to trust his action?

11. The agent then stated there was a fraud alert on my account and that I am to be called when anyone accessed my account. I had not received any call from Equifax today nor had I received a call from Equifax in XX/XX/XXXX when a credit report was pulled. How am I to trust Equifax 's fraud alert? 
12. According to the Equifax agent, XXXX XXXX XXXX XXXX must now wait another XXXX hours to access my credit report. 
13. As a final insult, I waited on the phone for a survey to communicate my experience with Equifax. No survey was ever offered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Last 4 SSN : XXXX Date of birthday : XX/XX/XXXX DATE : XX/XX/XXXX Subject : Identity Theft and Unauthorized Hard Inquiries Dear : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint, which is attached. There are accounts on my report that do not belong to me. 

All required documentation is within this packet and has been faxed and mailed via Certified Mail to your agency. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681c-2, I formally request the immediate removal of the fraudulent accounts and hard inquiries associated with identity theft from my credit report. Under this law, a consumer reporting agency must block information resulting from identity theft within four business days after receiving : 1. Proof of identity.

2. A copy of a valid identity theft report.

3. A copy of my ID 4. A copy of a bill Additionally, under FCRA 15 U.S.C. 1681b ( f ), a credit reporting agency is required to ensure that permissible purpose exists before including hard inquiries on a credit report. Since I did not authorize the inquiries listed below, they should be removed immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) PREMIUM XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX Failure to comply with this request within the legally required timeframe will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action if necessary. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I initiated a CFPB complaint with XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 332 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX XXXX XXXX be deleted from all of the consumer reporting agencies that they are reporting to. 
I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 
I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate information. 
They have defamed my character for several years with this false and inaccurate information and have prohibited me from being able to extend my credit due to this misleading, false and inaccurate information.
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 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, 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 XXXX, Equifax, 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 Equifax, XXXX, 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 XXXX, Equifax, 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 **Inquiries** XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

After years of not receiving a bill or statement because navient was in a lawsuit. And then after years come after me with the interest owed and the same amount owed. I have had this loan since 2005. It disappears off my credit and then Navient says I owe them money a bunch of money
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Checking or savings account

XX/XX/2021 my stimulus check was sent to NetSpend. I called the IRS they notified me that NetSpend excepted my funds. I contacted NetSpend about retrieveing my funds and I was told to send a then a copy of my driver 's license and social security card. I sent all information. they received information. Customer service told me they received my information. NetSpend still has not sent me my {XXXX} stimulus check. NetSpend defrauding running a scam on consumers. It is illegally to keep people money. I need my stimulus check for food and shelter. I look at complaint s online NetSpend has been illegally stealing money from consumers causing homelessness. This had to stop
Product: Money transfer, virtual currency, or money service

Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T. 

At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials. 

Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.
Product: Student loan

I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP
Product: Credit reporting or other personal consumer reports

my credit report sent alert that my XXXX  XXXX loan was reported 60 days late on XX/XX/year> which is wrong! n I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XX/XX/year> {$64.00} XX/XX/year> {$64.00} XX/XX/year> XXXX XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$310.00}
Product: Bank account or service

On XX/XX/2017 shortly after XXXX I checked my citizens bank checking account. I noticed a charge in the amount of {$1200.00} as pending. Because I did not authorize such a transaction I called the Citizens Bank customer service which informed me that there was a debit card transaction for the said amount processed at XXXX on Monday XX/XX/2017. I told them that I did not authorize any such payment and that this was a fraudulent transaction and if they could please stop it. Customer service told me that they will not stop this fraudulent transaction, that the charges were initiated by XXXX, and if I wanted I could call the XXXX to stop the transaction but they did not have a phone number for XXXX. I then called the fraud prevention department of the Citizens Bank. The representative told me essentially that they will not stop the fraud, and I was welcome to file a complaint with police. 
I did no given my debit card number or in any way or shape authorized XXXX to charge my account. My card was always with me. It is very likely that XXXX illegally obtained my debit card number, its expiration date and security code either by breaching the security system of the Citizens ' bank but most likely obtained these information through a corrupt employee ( s ) of Citizens Bank. By refusing to stop this fraudulent transaction as it was happening, the Citizens Bank enabled the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance w/ the fair credit reporting act. the listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

I sent a letter to XXXX, transunion, and XXXX to reinvestigate this account : XXXX XXXX account # : XXXX however, transunion stated everything was complete and accurate but how is that possible if XXXX and XXXX had the accounts deleted due to inaccuracy and up to date the XXXX payment history transunion reports and much more is still reporting incorrect. 

15 u.s.c 1681 section 602a states I have the right to privacy.

15 u.s.c 1681 section 604a ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.

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.

15 u.s.c 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.

this account doesn't even report in compliance with metro 2 reporting which is showed within documents provided.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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: Consumer Loan

My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.
Product: Debt collection

I recenlty checked my credit report and noticed several fraud accounts. XXXX is a fraud account. I have called this company to report fraud and no actions has been taken,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit bureaus XXXX, XXXX, Experian. That I was a victim of identity theft however, they still have not removed them from my report.
Product: Credit card

I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). This failure to adhere to the law has had a detrimental impact on my credit report and my rights as a consumer. To provide a comprehensive account of this issue, I would like to highlight the following key points : 1. Dispute Submission Date : I submitted a dispute letter to Equifax via fax to their number XXXX on Wednesday, XXXX XXXX XXXX. This dispute was sent with the expectation that Equifax would respond within 30 days, as mandated by the FCRA. Thus, I anticipated receiving a response from Equifax on or before XXXX XXXX XXXX. 2. Lack of Response : Regrettably, I have not received any communication or investigation results from Equifax concerning the dispute I submitted. It is important to note that this timeline exceeds the 30-day window established by law. 3. Specific Dispute Resolution Requests : In my original dispute letter to Equifax, I clearly requested the removal of two items from my credit report. These are outlined as follows : a. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I am formally requesting the permanent removal of the XXXX XXXX XXXX XXXX account, identified by account number XXXX, from my credit report. b. XXXX XXXX XXXXy ( Reference Number : XXXX ) : Furthermore, I am requesting the permanent deletion of the public record associated with reference number XXXX from my credit report. To substantiate my complaint, I have included a copy of the original dispute letter that was sent to Equifax.