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

XX/XX/XXXX, I purchase and new XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX, Ca. The price of the vehicles was {$39000.00}, I make and down payments of {$5000.00} XX/XX/XXXX and a payment of {$5000.00} XX/XX/XXXX, on XX/XX/XXXX, GM Financial of XXXX XXXX XXXX XXXX, Texas XXXX Stated that the vehicle was under a vehicle lease 39 Months, on XX/XX/XXXX, GM Financial repossessed the vehicle stating default Motor vehicle lease Agreement., I informed GM Financial that had made monthly payments Of {$400.00} for ( 39 ) months and that I have never sign and with GFM Because the lease application was denied by the dealership and GFM On XXXX  Ive presented GMF with poof letter of lease denial dated XX/XX/XXXX, and the lease and payment account is Fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : XXXX, Equifax, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I initiated a {$30000.00} wire transfer from my personal bank account to Binance.US ( XXXX XXXX XXXX ) for deposit into my account. 
Shortly after the first transaction my account was XXXX with no notification or reason as to why there was a discrepancy. 
I was as a result have been unable to buy, sell, trade or withdraw both fiat and crypto currencies since after the first transaction initiated on XX/XX/XXXX. This includes withdrawing the money deposited to the institution back into my own account from which it was originally sent. I have had several smaller deposits and had funds prior to the wire transfer on XX/XX/XXXX. 
After waiting a day to perhaps allow the wire transfer to settle, I opened my first ticket attempting to resolve this matter on XX/XX/XXXX - ticket number XXXX Here are the following subsequent tickets attempting to seek resolution : XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX I was finally given a canned response for a request of info from XXXX at binance.us support that my account was suspended due to security measures - ( a PAID wire transfer from my personal bank ) and inorder to unlock my account I had to validate bank account ownership. I complied and sent the information that was on XX/XX/XXXX Two tickets were opened after I sent the requested information with no movement so I opened more and heard back on XX/XX/XXXX to send essentially the same information that was already sent. So I complied and sent again later that evening on the XXXX. 
It is now a month later since I have sent the validation information, twice. 

I am still unable to access my property/assets being held by BAM Trading and Binance.US, NMLS ID : XXXX.
Product: Checking or savings account

I started getting insufficient charges around XX/XX/XXXX. I had my XXXX and my XXXX XXXX  connected to my Navy Federal credit Union bank account. At the time, I had a small business and there was plenty of money in my XXXX XXXX and XXXX accounts. I called and spoke with customer service several times in reference to these transactions. They were starting to become more frequent and I asked the rep if I had money in my XXXX or XXXX XXXX why am I being charged for insufficient funds. Seems to me to keep Me from avoiding overdrafting, you guys can take the money out of my alternative accounts thats attached to my Navy Federal account. It only made sense to me. Needless to say, the overdrafts were charged so much that I had to close my Navy Federal checking and savings account along with my business, checking and savings accounts due to the overdraft fees. Subsequently, my credit report now has the negative entries from the closed accounts and is stopping me from getting further credit. These overdraft fees have caused a major headache in my life. I was charged {$20.00} by my bank on each of the following dates in XXXX. There may be more prior to this date. I can provide a copy of my bank statements to corroborate this. 

XX/XX/XXXX XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX o for negligence and and for civil liability not conpliance as well as selling my information to a 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX  del XXXX all of the others names and address that appear on my credit report is not correct.
Product: Credit card or prepaid card

I haven't received an update weekly payment, I need my ID verified so my money will come in my way 2 go accout was disabled
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )
Product: Prepaid card

I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team. Each time they " respond and resolve '' it is the same thing. A SINGLE page that says " You authorized this '' They are doing absolutely no investigating. I am trying to look into who I can contact to investigate Bank of America for their fraudulent practices. They are nothing but a bunch of Crooked people who steal from people who relied on their disability payments while they were off work. It is apparent as to why EDD switched to another Vendor. I wonder how many other people have had their Disability benefits stolen from them by Bank of America. 
They sent the same thing they have been sending for the last year. They refuse to take responsibility for mishandling the claim. I did not authorize, approve, ask, send, talk with anyone at all about doing a transfer of {$1100.00}. The MINUTE I saw the email that my routing information changed I got on the phone with Bank of America. Now they messed up how they handled my initial complaint. They said it was user Error, but it was FRAUD. I never gave anyone authorization, I did not and DO NOT approve the transfer. Someone whom I have NO idea who they are transferred my disability money and Bank of America aided them in the transfer. I really need to know next steps of who I need to contact to have Bank of America held responsible for this cyber theft. I will be re-issuing this complaint and will continue to do so until Bank of America returns my stolen money. I need to know who I contact to press charges against Bank of America. They need to be held accountable for their cyber theft and aiding criminals.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B says wrong accounts got ta go from credit reports. I don't know what's up, but check the docs for messed-up accounts. They're not right on my credit report, and it's making me upset and sick. Can you help?
Product: Debt collection

I NO NOTHING OF THIS COMPANY NEVER HEARD OF THEM I OWE THEM NOTHING NO VALIDATION VIA EMAILOR USPS I HHAVE NO CONTRACT OR AGREEMENT WITH THIS COMPANY WHAT SO EVER
Product: Debt collection

My girlfriend and I sign a lease for a house, but got into a fight and we both broke the lease after 2 weeks. We both moved out at 2 weeks. The landlord kept the deposit and first month rent, but submitted a collection for {$7000.00}. I have repeatedly asked for an explanation and or paperwork to no avail. I wouldn't think I would owe for a whole year! After living there for only 2 weeks.
Product: Credit reporting or other personal consumer reports

I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand the immediate removal of these fraudulent items from all my consumer credit reports. Additionally, I request the cessation of all collection activity related to these inquiries. The specific inquiries to be removed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these fraudulent inquiries be removed within 4 days of receipt of this report. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX, XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX, XXXX, XXXX, XXXX 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: Debt collection

Hi, I created a complaint case here. The id is XXXX Also I had attached my agreement with XX/XX/XXXX 

The company-GB Collection is telling closing bank accounts wont effect my payment but the company tells lie and misses the point, my payment was around XXXX $ and they asked from me around XXXX $!!! After I saw that I talked with my XXXXXX/XX/XXXX and told them I dont accept this amount. The cancellation reason is XXXX asking XXXX $!!!! Not me! 

And my agreement is attached. My all signatures are there. Can you see any explanation about cancellation, bank account closingetc? I can see only XXXX $ payments for every month. Who decided that XXXX $ payment and let me know at the beginning? Lets go to court. I dont accept that money!!! My agreement is clear. My signatures are there!!! 

This case is not closed dear CFPB. They still threatening me out of our agreement! I need your help please
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as misleading information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  - Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open 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 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 of 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

I pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX  XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$15000.00}
Product: Bank account or service

I had to use Wells Fargo several times to cash a tenant checks or a state checks. I would dread going to the branch because they would always give me a hard time about not having an account. They would come up with excuses why they could n't cash my check, requesting my finger print each time. Two of those many frustrating bank visits I was told to just open an account to make my check cashing process easier. Twice I had a checking opened for me and I think a savings account as well. I told them I would never use their bank because their hours of operation were not convenient for me. Each time I opened these wells Fargo accounts and deposited money ( about {$50.00} each time, thank XXXX I followed my gut. I lost most of my retirement money with XXXX, NOW THIS? ) within months these accounts were closed BY THE BANK with a {$0.00} balance because the bank depleted my bank account with their ridiculous fees. Feel free to check it out. I never liked or trusted Wells Fargo. XXXX XXXX should also be investigated.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$270.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it say my social security number has been compromised on the dark web and someone is use in it because I see a address that i never live at in my life which is XXXX XXXXXXXX XXXX and phone number is not correct and I dont have a bank with XXXX XXXX
Product: Bank account or service

Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit report history. I have forwarded Equifax documentation of the paperwork from XXXX XXXX and numerous letters to Equifax and the responses would be verified every time. There's no way they conducted the investigation. The items pretending to the Bankruptcy should be deleted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS ONCE AGAIN PUT ILLEGAL, FRAUDULENT REMARKS ON MY XXXX  XXXX ACCOUNT. 

THEY HAVE PUT A HARMFUL REMARK THAT SAYS " CONSUMER DISAGREES, DISPUTE RESOLVED '' FOR THE RECORD NO DISPUTE HAS BEEN OPENED RECENTLY REGARDING THIS AND YET THEY VIOLATE THE LAW BY PUTTING FRAUDULENT REMARKS ON MY REPORT TO MAKE ME LOOK BAD. 

THE ONLY REMARK THAT SHOULD BE ON THE 2 XXXX XXXX ACCOUNTS IS " ACCOUNT CLOSED AT CONSUMERS REQUEST '' I AM ASKING THAT THIS BE UPDATED IMMEDIATELY AS THIS KEEPS HAPPENING AND IS WRONG. *****PROOF IS ATTACHED IN THE FORM OF A SCREEN SHOT DIRECTLY FROM MY CREDIT REPORT SHOWING WHAT THEY ARE DOING*****
Product: Credit reporting, credit repair services, or other personal consumer reports

account information is not showing up on credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.