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

XXXX  voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX 721.18 Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

721.19 Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX XXXX :
Product: Checking or savings account

On XX/XX/XXXX I met a person online by the name of XXXX XXXX on XXXX. Somehow he managed to hack my bank account and send online transactions through XXXX and XXXX, as well as other online transactions. 
XX/XX/XXXX Total online transactions I did not authorize : {$5900.00}. 
XX/XX/XXXX Total online transactions I did not authorize : {$7500.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$6100.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$10000.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$4500.00}. 
I was not aware of these charges and Citibank debited {$20000.00} I had in my savings account, completely wiping my savings. I have yet to receive any of my money back and they denied my fraudulent claim. I never authorized this person to make these transactions and I will continue to fight to get my money back and to remove any addition charges this person did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in credit reports is a violation of federal law, its illegal to have it on there. 

XXXX. My court cases are not lines or credit or credit based, those should not be on my report thats also a violation of federal law. 

XXXX. I did not go through with bankruptcy, my attorney had me file but we cancelled it before it could be finalized so clearly I never went through with it. They just decided to add things to my report in 2023 from years ago that is trying to sabotage my report and XXXX suing Experian for it. They are trying to mess with my life and I wont stand for it XXXX bringing them up on fraud charges, the information is not credit based and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.
Product: Checking or savings account

Suntrust has closed my account for no reason without any warning. They claim that they needed to verify where the funds came from so I sent them copies of my bank statements from my XXXX  account and money order receipts, they said that still wasnt enough. Every time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only fans I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accountsEvery time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only funds I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accounts. I have been battling this for three months I lost my job due to Covid and am on the verge of loosing my home due to my funds being held up.
Product: Debt collection

I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by Synchrony Bank then was transferred to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX charge on background XXXX XXXX serious XXXX  It should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX XXXX No XXXXNo XXXX  This intentional act have caused many issues with employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account.
Product: Bank account or service

I have been a Chase customer for 15 years. I have XXXX accounts with them, including XXXX accounts with direct deposit. Every so often on a Thursday night, I have to pull money from an account I have with them to insure against any potential fees since my deposits take place on Friday mornings. I did so this week by pulling over {$400.00} to an account which was cutting it close. My check came in the next morning for around {$3500.00}. I still was charged with a pair of {$34.00} insufficient funds fees because in the mixed bag of electronic deposits and debits a few of the latter slipped in before the deposit and I was penalized. I went through XXXX levels of customer service reps the next morning and each said I was not eligible for any other fees being forgiven due to this happening before. It seems in the matrix of electronic transactions, it 's the credits that always get processed last. I told them they were going to lose a 15 year customer and six accounts for the sake of {$68.00} and they did n't shed a tear. I know they have to follow certain guidelines but is there any personal touch any more? How ridiculous. Every level I went I got the same company line.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was married in XXXX and became a auth user on my mother inlaws discover card. she passed away in XXXX XXXX I called discover and told them what had happened and they told me that I would have to pay any balance that I had after her PASSING and that I was not responsible for any thing before that time because I was just and auth user, so I paid what I had to and contacted them to let them know that my part was paid. they started sending me statements and said that I had agreed to take the acct over and I told them NO I did not. So they were sending me treating notices so I took it to my lawyer and he contacted them anf told them to send him info were I signed to agree to take over the acct. They were unable to do that and he told them that the acct was not mine and to remove it from my credit report they did not. they said they sent all info to there lawyer and that the investigation was complete and that I owed it but they never sent me nor my lawyer anything.. The card was opened in XXXX and I was not living at this address nor was I married to my mother inlaws son nor even knew him. recently I got my XXXX credit report and it shows that I used the card in XXXX, XXXX, and I did n't even know my previous husband at the time. to me this is fraud.
Product: Debt collection

US Bank keeps sending letters for a lease vehicle we no longer own. It was turned into dealer one day before end of lease and have threatened to turn into a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, United Auto Credit is still  reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And United Auto Credit attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with XXXX and their response is that United Auto Credit said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against XXXX and United Auto Credit ( again ). Regardless of the category of this claim. United Auto Credit should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, United Auto Credit is blatantly violating the Fair Credit Act and in plain site.
Product: Checking or savings account

XX/XX/2023 around XXXX I opened a checking & savings account with capital one. I transferred {$100.00} into savings + {$20.00} into checking. When transferring the money, they stated that my money would be available in 1 to 2 days max. I called capital one today ( XX/XX/2023 ) at about XXXXXXXX XXXX to close my account. When I said I wanted to close the account, I was informed that my funds were frozen because they had to verify that the funds are actually there. Come again? 

They only froze my money after I said I wanted to close my account. I was then told that I have to wait a WEEK and contact them next Thursday to close the account and get a check with my funds. Unethical and ridiculous.
Product: Credit card

In XXXXXXXX XXXX XXXX my credit card information was stolen over airport wifi and was fraudulently used to charge over 40 separate XXXX $ transactions to my card. I contacted the fraud department which is based over seas and was told this issue would be resolved in 30-90 days. I was also told that because some of the transactions had not yet posted to my card that I needed to call back after they had posted to file another fraud claim to include the rest of the transactions. I called back at least five more times over the course of the last 9 months to clarify why I had not received any reimbursement and to ensure that every single transaction was reported and ready for reimbursement through the fraud protection plan with Truist. Over 40 transactions had posted, all of which charge me interest monthly if not refunded or paid off. I was advised by the fraud department to continue making minimum monthly payments until all transactions had been refunded. It has been 10 months now. I have received 19 refunds XXXX $ each and am still left with XXXX $ remaining balance of fraudulent charges that have not been refunded as well as interest that has been charged to me monthly on this remaining balance.The last refund was given in XXXX and it is now XX/XX/2024. Every charge was reported several times and I am still being given the run around every time I call for an update. I am asked over and over again by the fraud department which transactions I have not been refunded for and which I have been. Isnt that something they can easily see? Why have I not been refunded in 10 months and why am I being charged interest on the monthly balance?
Product: Credit reporting or other personal consumer reports

ATTN : EQUIFAX PLEASE REMOVE ALL FRAUD ACCOUNTS AND INQUIRIES LISTED. I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN COMPROMISED ACCOUNTS : ( XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX ). 
In accordance with the fair credit reporting act ( XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX JXXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX ), has violated my rights! 
ALSO THESE INQUIRIES ARE UNAUTHORIZED ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 Section 602 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 an account without my written instructions! In addition the law states : 15 U.S Code 1681 i ( A ) - Procedure in case of disrupted accuracy ( A ) IF, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
ATTN : XXXX PLEASE REMOVE ALL FRAUD ACCOUNTS AND INQUIRIES LISTED. I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN COMPROMISED ACCOUNTS : ( XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX ). 
In accordance with the fair credit reporting act ( XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  CARD ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX ), has violated my rights! 
ALSO THESE INQUIRIES ARE UNAUTHORIZED ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX ). 
ATTN : XXXX PLEASE REMOVE ALL FRAUD ACCOUNTS AND INQUIRIES LISTED. I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN COMPROMISED ACCOUNTS : ( XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX  CARD ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX ). 
In accordance with the fair credit reporting act ( XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX CARD ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX ), has violated my rights! 
ALSO THESE INQUIRIES ARE UNAUTHORIZED ( XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall____ ( i ) promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the information from the results on the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has significantly affected my life, causing considerable stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Product: Vehicle loan or lease

I am writing to the CFPB to file a complaint against Nissan Motor Acceptance Corporation, the CEO name is XXXX XXXX at email address XXXX. XXXX, and XXXX XXXX XXXX, which pertains to the handling of the vehicle financing which has per under the Securities Exchange Act, raised, concerns of potential violations of securities, fraud, and tax evasion, my promissory note and certificate of indebtedness was securitized by this company, where they received a Cusip number, and engaged in trading activities.According to the XXXX form this is XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX is the XXXX trustee, the officiating officer is XXXX XXXX XXXX XXXX XXXX XXXX. His address is XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX XXXX XXXX is the trustee.. the registered mail number for the package I sent them was XXXX XXXX was received on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of accounts below has 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 XXXX5 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account with Ashley furniture/sychrony bank  after my ex wife opened an account using my information. I paid roughly half they agreed to remove settled account within 60 days. Instead they reported I was working with a credit counseling agency which Im not and shows a balance instead of XXXX. Wrong info being reported is a violation and must be removed, both the bureaus and the company keep verifying it accurate which is untrue and illegal