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

The loan was purchased from MB Financial by Fifth Third Bank in mid-2019.  I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank.  Each time, they do not complete the transaction and are now saying that I am past due on the loan.  Each time, they asked for my routing and checking account number and I have provided it.  They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out.  I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an ongoing victim of identity theft. I subscribed to XXXX XXXX to monitor my credit. After receiving an identity theft alert from them I reviewed the inquiries on my Experian credit report. I identified 11 fraudulent inquiries. Experian told me I would have to contact each creditor to request a Letter of Deletion to remove the erroneous information. They said alternatively, I could obtain an FTC number and provide them with it and they will remove the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations. Those actions has caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday.XX/XX/XXXX I received a XXXX XXXX Equifax Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, Equifax hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XXXX XXXX XXXX was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX  deleted the bankruptcy from my credit report.
Product: Vehicle loan or lease

In XX/XX/2022, i purchased an XXXX XXXX with the awesome help of US Bank. I never received any mail, email or instructions/info to make my payments. So i called XXXX myself to get the US BANK number and asked how to set up my payments. I provided the info and every month made my payments. Only to find out, the payments were being rejected because another name was on the account and their banking info was being used to send payment to MY loan account. My car was then repossessed and i didnt find out this info until after the fact. This information is listed in the notes on my account. They have refused to remove the late payments after to admitting to it being a mistake on their end. My credit score has dropped over 160 points and ruined my credit and aspects of my business and my life. I've disputed this and called hundreds of times to get a fair resolution, only to be passed around to multiple reps and no follow up. My credit was around 760 when i purchased the vehicle. In no way would I not make my FIRST 4 or 5 payments on a car i just bought.
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by Navient Solutions , LLC XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding Navient has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here
Product: Money transfer, virtual currency, or money service

I got on some game thing on my phone. I thought they gave me {$10.00} into my account but they took {$10.00} from me without any authorization. PayPal said it was all good everything 's good to go it's not I didn't authorize the XXXX dollars to be taken out of my account PayPal should be held liable for this. They did a review and they said there's nothing unauthorized it's unauthorized if I said it wasn't supposed to come out of my pay pal account. It was a company fraudulently taking money from me and the company 's name is XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Incorrect Reporting of a Repossession on My Credit Report Dear CFPB, I am writing to formally file a complaint against [ XXXX ] and Experian, XXXX, and XXXX for inaccurately reporting a repossession on my credit report, despite the fact that the debt has been forgiven and reported to the IRS. 

The debt associated with this repossession was officially forgiven on or by XX/XX/XXXX by XXXX. I also received a Form 1099-C from the creditor, which they reported to the IRS as a cancellation of debt. However, despite this, the repossession is still being reported on my credit file as an outstanding derogatory account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. Reporting a forgiven debt as still active or negatively impacting my credit profile is not only misleading but also violates my rights as a consumer. The continued reporting of this account is causing undue harm to my credit standing and financial well-being. 

I have attempted to resolve this matter by disputing the inaccurate information with both the credit bureaus and the original creditor but they have failed to correct the reporting. I am requesting the CFPB to investigate this issue and ensure that the repossession and any related negative reporting are removed from my credit report in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 TransUnion I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS
Product: Debt collection

I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
Product: Credit card

I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXXXXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX  for {$860.00} date opened XXXX, XXXX XXXXXXXX XXXX XXXX  fro {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Product: Credit reporting or other personal consumer reports

I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I called and wrote a letter asking for my Lexis Nexis report ( XXXX ). I discovered your firm was reporting two ( 2 ) bankruptcies on my report related to my business, XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, I drafted a letter to your firm Lexis Nexis, certified mailing number : XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. Enclosed was a personalized letter disputing the following as innacurate or illegal to report : The estimated XXXX XXXX XXXXXXXX XXXX, income; All financial details related to the XXXX XXXX XXXX ; and Reporting two ( 2 ) bankruptcies violating Rule XXXX by reporting inaccurate and unverifiable information. 
Per federal law you are in violation of reporting these items in which I disputed, I expected a thorough investigation with your results and a copy of my updated report on file with Lexis Nexis within thirty ( 30 ) days. To date, I have not received the following information : Identification of the source of data Name of the source of date Address/Location of the source of data Phone Number of the source of data Notice of the data being verified as accurate and or notice of date being removed and a current copy of my file, business and personal. 
Please reference Consumer Number : XXXX Case Number : XXXX This investigation has lasted well over thirty ( 30 ) days since my original inquiry. Please remove all the disputed items listed above per law ( FDCPA ). If not, I will have no choice but to exercise all rights and monetary remedies to clear my name of defamed information and remove all inaccurate, unverifiable and illegal data. Please note due to this inaccurate information I have lost potential business matter that would enrich myself as well as my business. This communication will be sent certified mail via USPS. I will wait five ( 5 ) days after conformation of delivery, prior to calling your firm for a verbal conformation of the final findings related to this delinquent investigation. 
Enclosed : Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Lexis Nexis XXXX XX/XX/year> Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> XXXX
Product: Checking or savings account

Yes my account was closed back in XXXX I have been reaching out to this bank about my available funds in the account because my account was compromised and I was told by the merchant my refund was sent to this account. They will not tell me anything keep saying its under review but in reality they dont want to give me my funds out on my account its been 3 months they have no number to call then them dont respond back to emails! Im upset because I have been patient waiting on my funds out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have not investigated my dispute and added a false comment on my file for the below account. 

" TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion ... I never cancel this dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Vehicle loan or lease

A loan payment was submitted online on XX/XX/2019. The online summary of the account shows the payment booking then reversing. The bank account for which the payment was to be drafted shows the draft going thru on XX/XX/2019. It has not posted to the account. After several phone calls, a letter with a copy of the bank statement showing the draft on XX/XX/XXXX was faxed to the help desk on XX/XX/2019. Spoke with XXXX again on or around XX/XX/XXXX to confirm they received the fax, since no confirmation was provided. They confirmed they received the package. 

As of today, the payment still has not been posted, the account has been reported to the credit bureaus as late and interest is still accruing. It should not take almost 6 weeks to find and post the payment
Product: Credit reporting or other personal consumer reports

Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.The Contracts need to be thoroughly reinvestigated and deleted due to inaccurate and unfair deceptive card practices and incorrect information reported on my credit report.
Product: Checking or savings account

After being an XXXX  years of a CITIBANK customer I have received letters of account closure notification. CITIBANK is stating that they are closing all of my checking and savings accounts. They are not providing any specific or generic reasons of this action.

I have tried reaching out to their branch and online representatives including supervisors. None of them were able to provide me with any specific reason for why my accounts are being closed.

I insisted to receive a reason of the account closures but the final verdict was always that nobody would be able to provide that information.

As a matter of fact, there is no plausible reason that would cause my accounts being closed. I would be glad to communicate and provide any information that they perceive as a reason however, CITIBANK is completely closing the communication channels and treating their customers as disposable objects rather than human beings.

My takeaway is that CITIBANK simply kicks their customers out anytime they see them not fitting to their systems. They are not willing to communicate and provide reasons simply because they don't have any.
Product: Debt collection

Westlake financial services I have no knowledge of this account and did authorize for anyone as a co signer
Product: Credit reporting, credit repair services, or other personal consumer reports

You have reported incorrect my personal information,