23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed MULTIPLE times with Experian a collection that was paid, yet they have not once responded out to me to let me know anything! I have had no correspondences with Experian, no confirmation of even receiving my disputes. The first time I disputed was XX/XX/XXXX ; then again on XX/XX/XXXX, XX/XX/XXXX and as recently as XX/XX/XXXX. Yet here I am, a year later, with NO communications from Experian! This is not acceptable in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

So in XX/XX/2020 someone opened a credit card with a bank XXXXXXXX XXXX XXXX  I was a victim of identity theft from in XXXX  .I did not know because my home address is just a mailing address for me at a building I own, so now that me and wife seperated Im back living at my mailing address .I have police report
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from 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
Product: Credit reporting or other personal consumer reports

im requesting a 1099c form since this debt have been charge off and defined by the IRS. DEBT TURNS INTO INCOME. AS WELL AS IM SUPPOSE TO GET A 1099C FORM. IF YOU CAN NOT PROVIDE ME WITH A 1099C FORM PLEASE DELETE ACCOUNT FROM XXXX, XXXX AND XXXX. ALSO YOU VIOLATED 15 USC 6802... YOU DID NOT GIVE ME MY FULL 3 REQUIRED DISCLOURES TO OPT OUT OF MY PERSONAL INFORMATION BEING REPORTED. PLEASE DELETE!
Product: Credit reporting

I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 XXXXb ( XXXX ) and 15 U.S. Code XXXXcXXXX This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

" Dear CFPB-Please see attached files For months I have submitted complaints to XXXXEquifax/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the  bureaus must respond to consumer disputes in a timely manner.
Product: Checking or savings account

In XXXX of 2019 I received a set of e-mails from Fifth Third Bank thanking me for opening an account. I never opened an account with the bank. In fact, I haven't set foot in the state of Ohio in over 40 years. 

The account was opened by : XXXX XXXX Personal Banker II / NMLS # XXXX Fifth Third Bank | XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Oh XXXX Main : XXXX | Direct Line : XXXX | Fax : XXXX I repeatedly tried contacting Fifth Third Corporate HQ immediately after I received these e-mails because I suspected fraud. Not surprisingly there was no way to get through and when I did reach someone they were unwilling/unable/or completely uninformed to help. I followed Fifth Third 's directions to report this to their investigation e-mail and received no response at all. 

I then called the branch in XXXX, Ohio eventually and spoke to Ms. XXXX 's manager. He explained this all away with saying my e-mail address was entered for this account but it was for a different customer who had my same name. I don't have an extremely common last name so found this a bit fantastic but possible. I mentioned the XXXX XXXX example to this manager as well as the nameless person I spoke to at Fifth Third Corporate. 

I left my interaction with Fifth Third distrustful. So I froze all of my credit reports. Thank XXXX I did because now the Press is reporting just as I suspected that Fifth Third mimicked the dishonest XXXX XXXX. 

I want Fifth Third to contact me and provide me with an attestation - something I requested of Ms. XXXX 's manager - that no account was opened in my name. If there was I want to know who opened it and how, if my credit was tarnished, will I be made whole.

Fifth Third needs to be fined heavily for this behavior and people there need to be sent to prison. I have worked so, so hard to keep my credit rating at an excellent level. Some dishonest jerk who needs to make an unacceptable quota finds my information through dishonest means and opens an account in my name. That is STEALING! 

Furthermore, is likely evidence that Fifth Third has not/not stopped opening accounts without customers ' knowledge. Please reopen your investigation.
Product: Credit card

Macys American express credit card through Citi Bank has personally disclosed my information to un authorized callers. This company has mistreated me & my information in several ways. Citi bank has participated in Illegal business practices towards me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that doesn't belong on my credit file and credit report. I have contacted Equifax by certified mail to have this account deleted immediately. They have not complied. They have violated several laws in Secton 609 ( a ) ( 1 ) ( A ) in the process. The account is listed below : Account Name - XXXX XXXX Account Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> & XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

Barclays Bank fails to make a reasonable number of recent past paperless credit card statements available online. As of XX/XX/XXXX it is only possible to access paperless statements back through XX/XX/XXXX. It is not possible to access XXXX through XXXX statements of XXXX. 

XXXX calls to customer service on XX/XX/XXXX and XX/XX/XXXX confirm that agents are unable to access any earlier statements than what the customer is able to access online. 

The customer portal for the account falsely states that older statements can be ordered by calling and speaking to a representative. Neither representative I spoke to is in fact able to order past statements. Here is the exact wording found in the statements section of the customer online portal : " Order statements If you would like a copy of your previous statements, you can print statements free of charge from this website, or to order a copy of a previous statement, call Customer Service at XXXX. 

Please be ready to tell us the account number for which you want the statement copy and the date of the statement ( XXXX ) needed. ''
Product: Debt collection

Chase Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$50000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. 
I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates : XXXX XXXX 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 do not contact these companies for the following dates that have been listed. I am attaching the proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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.

=urthermore, 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : 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  PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2011 I filed a chapter XXXX bankruptcy and I was told by the court and my attorney that it would be removed from my report in seven years and it's now eight years, I have showed excellent credit worthiness and it needs to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a balance transfer with Discover in the amount of {$4400.00} with no interest until XX/XX/XXXX. I have been making at least minimum due payments on my account. I have recently started making large payments in an attempt to reduce the interest I will be charged on XX/XX/XXXX. I looked at my last couple recent statements and noticed that of the {$1300.00} in payments that I've made for the time period of XXXX, only {$270.00} has been applied to my balance transfer remaining amount. I spoke with a Discover employee and a manager via online chat today, XX/XX/XXXX. I was advised that their policy is to apply any payment amount over the minimum due towards the purchase balance with APR. I asked if they could please make an adjustment and apply my payments to the balance transfer amount. I was told no and that no one at Discover could help me. I've been saving up trying to get this balance down to avoid interest and get my family back financially. I'm not asking for interest to be waived or anything like that... I just really need all these extra payments applied to the balance transfer. I was told the only way to get no interest charged on the balance transfer was to pay my complete balance for everything in full. Crazy how Discover 's motto is " We treat you how you'd treat you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with Equifax, XXXX and XXXX on XX/XX/XXXX. Equifax has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the Equifax report is XXXX of XXXX.