23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXX. 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports 30,60,90, 120 days late. I have repeatedly filed dispute with XXXX and with TU, but XXXX still reports wrong amount and late payments.
Product: Checking or savings account

Chase bank froze my account on XX/XX/18 for a {$1000.00} certified bank deposit check coming into my account. I have a business account and it is registered and I pay my taxes timely. I need my account unfrozen so I can conduct business.
Product: Credit reporting or other personal consumer reports

I have notified the companies of inaccurate reporting on XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and TRANSUNION : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The following account reporting on XXXX, XXXX XXXX XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

The following account reporting on Transnion, XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

It is to my understanding and reason to believe that because this debt was charged off, this debt is cancelled and should not reflect the balance that is currently showing on my consumer file. The dates of last activities are also inaccurate. The 15 USC 1681 states that I have the right to accuracy and fairness.
Product: Vehicle loan or lease

Santander consumer pressured me into purchasing a XXXX XXXX XXXX a XXXX car into a XXXX plus deal with 26 % interest on the loan when I could barely make it. I was in the military and they scammed good not even giving me at 10-15 % options when I was XXXX years of age with a wife and child I was picking between paying my car note or putting food in our mouths. Along with XXXX XXXX in XXXX, La. They sold off the the sub prime loans and didnt tell me and in XXXX they didnt offer any relief during COVID-19 pandemic and wont release me my title to the car I was scammed into buying.They constantly threaten me with letters of repossession even when I would be on time with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, XXXX XXXX have never applied for credit application or any inquiry with JPMCB. JPMCB is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, consumer report on date XX/XX/2022
Product: Credit reporting or other personal consumer reports

Federal Student Loans : Defaulted through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on TransUnion and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with XXXX XXXX, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX  occurred on XX/XX/XXXX. I was not in default when the loans from XXXX XXXX were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

TransUnion and XXXX shall be instructed to remove the adverse tradelines per attached agreement with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to all three major consumer credit reporting Agencies for the second time regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ).

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer.

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud.

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing.

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received hundreds of emails from " credit karma '' in last 24 hours that indicate " my account has been accessed by a new device '' from various different types of devices. There is no way to log into credit karma to speak to a human or email a human and there is no way to delete or cancel the account. They have made my credit and personal information available hundreds of times to whoever was accessing my account in last 24 hrs. I attempted to use their help center which is Sub par and their chat is a bot so there is no way to reach anyone to request account to be deleted or locked. Only option is to log out.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN InquirieS XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX/XXXX Date Filed XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX OF NEW Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a credit inquiry made on my report by American Express XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.
Product: Debt collection

Progressive Financial Services legal department mail a letter to my home claiming that I have a debt remove from XXXX credit report and that I made false letter from their company to get the debt remove. 

The company that filed the debt with Progressive Financial Services was XXXX XXXX. I contacted XXXX XXXX this summer to let them know the debt did not belong to me and it needed to be remove from my XXXX report. I am also a current customer of XXXX XXXX. I am reporting this company to the CFPB and for your agency to investigate Progressive Financial Services collections practices.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all XXXX of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with XXXX XXXX policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

At the beginning of XXXX, I was scammed into believing I had two jobs as a XXXX XXXX, and XXXX  were put into my account. Due to a " good faith '' system the bank had since I had been a client with Bank of America since the XXXX, the credited amount was put into my account, and I was given the assumption that everything was good with the checks. It wasn't until the XXXX and XXXX of XXXX did I receive Item chargebacks because the checks were counterfeit, and there was a negative balance of XXXX. ( The item chargebacks were sent in the amount of over XXXX, XXXX, and one of over XXXX -- which they were supposed to hold the credit until the XXXX of XXXX because the item chargeback started to come through for the one of over XXXX. ) The bank then informed me that I was held liable. I had reached out to the bank after filing a police report, in which I was repeatedly told there wasn't anything they could do, and I was passed to different departments that had told me the same thing. I was told the same information, but no one wanted to help me until XX/XX/XXXX, when I talked to the deposit department and was given assistance in filing a complaint with Fraud and also XXXX. Later on, I received a message that my complaints in the XXXX department were closed because they couldn't do anything, however my other claim -- separate from the XXXX one was still open and a decision wasn't reached upon it, and anything going on with my claims and my account would be given to me via mail or email. So it came as a surprise when I woke up to see my accounts had been closed without my knowledge, despite the XXXX department informing me on the XXXX of XXXX that I should have received information regarding the reason for the closing of my accounts, and the bank was still holding my saving funds because none of the complaints, according to representative XXXX in XXXX, that all of my claims were still opened, however, the bank still expected me to pay the negative balance even though they closed the accounts, and despite the fact that they were supposed to withhold the amount of XXXX until the XXXX, they still credited me the amount and I still owed the entire balance. I was sent to multiple departments again, where I was told that one could help me with my situation, only to be informed by the online banking that my case was being dropped by so many departments. I was even informed by a banker that Bank of America usually approves checks before crediting the money, which I recorded with the banker 's permission. It feels that my case during this process has been mishandled, and that a violation of the fair credit billing act has been broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Product: Credit card or prepaid card

I made charges on my American Express XXXX card with closing date of XX/XX/XXXX totaling {$2300.00}. The payment due date for this bill was XX/XX/XXXX. I missed the payment due date, I made a payment of {$2300.00} on XX/XX/XXXX, three days after the due date which was the full statement balance. On my XX/XX/XXXX statement, I was charged a late fee of {$29.00} and interest of {$85.00}. The XX/XX/XXXX statement had a balance of {$6400.00} due XX/XX/XXXX. I made a payment of {$6400.00} on XX/XX/XXXX before the due date ; I paid less than the full balance because the late fee of {$29.00} was reversed and credited back to me. When I received my XX/XX/XXXX statement, I was surprised to see another interest charge of {$110.00}. This didn't seem right so I went back and calculated the interest that I would have expected to owe. I 'barrowed " {$2300.00} from XX/XX/XXXX until my payment on XX/XX/XXXX at an annual interest rate of 25.24 %, so, $ XXXX ( 28 days/365 days ) * ( XXXX interest ) = {$45.00} is the interest I would expect to owe. I was charged a total of {$190.00} in interest!!!! More than 4x the actual interest owed. I called Amex customer support twice. I was able to get the fee reversed and they offered to return an additional {$40.00} in interest but that never happened, they also offered to have someone call and explain the interest but that never happened either. I am owed {$150.00} from American Express as well as an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account name and number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had 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 : States consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING AN ACCOUNT JPMCB CARD SERVICES ON MY CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME I HAVE SENT THE DELETION LETTER TO THEM MULTIPLE TIMES, AND THEY HAVE NOT REMOVED THIS ACCOUNT AND RESOLVED THIS ISSUE LETTER FOR REMOVAL BELOW Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : You Mon XX/XX/XXXX XXXX XXXX Thank you. I look forward to hearing from you. 

Thank you. I appreciate your help. 

I look forward to your response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the XXXX XXXX XXXX XXXX XXXX and leadership members at XXXX. To ensure your concerns are adequately addressed, I've forwarded your email to me within the XXXX XXXX XXXX XXXX XXXX at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX XXXX data Breach, and this account was established due to that data breach. We will request that the XXXX major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX. ( XXXX ). 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a consumer credit extension on my home on XXXX for XXXX XXXX XXXX dollars {$100000.00}, and was denied. I am an aggrieved applicant because according to Title 15, 1691 I can not be denied credit for any reason. This is also proven by XXXX XXXX at large 411 section 7 ( e ), Otherwise known as the trading with XXXX act, which clearly states that XXXX XXXX  occupation the free inhabitants of the the country are to be issued a warehouse receipt for consumer goods and services. My warehouse receipt is my birth certificate which was created by the social security number. Also since proclamation XXXX went into effect in XXXX, all obligations are obligations of the United States and are to be discharge dollar for dollar
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$13000.00}