23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX imposed my coach! Said she was from XXXX and stole XXXX of my retirement hits and XXXX thru bitcoin.
Product: Checking or savings account

I was un able to open a checking account at chase bank? And I would like to know why it only showed up on XXXX credit report no other reported show up on.
Product: Credit card

What happened was on XX/XX/XXXX I checked into a XXXX XXXXl, XXXX XXXX XXXX XXXX. From there on XX/XX/XXXX I was sent to XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, where I have signed documents from XXXX XXXX stating my admittance dates and discharge date, XX/XX/XXXX, and the fact that I had XXXX access to my phone, wallet or any personal affects. I was successfully discharged from there and went straight to the XXXX XXXX driven by the XXXX XXXX. I have the same letter from them stating I was there from XX/XX/XXXX to XX/XX/XXXX, and I had no access to wallet, phone or any personal valuables. Well on XX/XX/XXXX, I started receiving monthly charges from XXXX for {$21.00}. Something twice in a day sometime once a month, totaling {$230.00}. They refunded me XXXX and another. But denied the rest. I out in for a rebuttal and submitted all the documents stating that it was physically impossible for me to make those charges, they investigated it for 3 days and denied it. I asked for ALL information they used to make that decision, and received nothing, except for XXXX and XXXX refunds of {$21.00} each. Makes XXXX sense whatsoever. I dont know what else to do but to take them to small claims court, which is the next step if its not fixed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 1681b ( XXXX ) 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. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX I visited the XXXX dealership in XXXX, Maryland. I worked with a car salesman and found a XXXX XXXX XXXX that I wanted to get. The down payment was {$1800.00} and I advised the dealer and loan officer that I would not have the money until the first week of XXXX. Although papers were signed at that time, an agreement was made to hold the vehicle for 7 to 10 days. It was stipulated that I had to call in every few days to express my continued interest. On XX/XX/XXXX I paid {$1800.00} and left the dealership with my new car. My monthly payments, I later found out, should have been adjusted to the 2nd of each month. However, since it was not, I received a call a few weeks ago advising me that I owed a payment for XX/XX/XXXX. In good faith, I made the payment. Simultaneously I asked my bank to send me my records and discovered that I was current not behind. Despite letting Credit Acceptance know the above, I have been receiving calls to the point of harassment. On XX/XX/XXXX they called my number 20 times. Today I contacted XXXX and spoke to XXXX in the Loan Office and explained what is going on. I then let Credit Acceptance know that he would be providing the documentation needed to confirm that I am current. The calls still continue. It is XXXX XXXX  and I already received two calls. I need Credit Acceptance to stop calling and harassing me please. Your help is deeply appreciated. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have again been the victim of identity theft someone is trying to open accounts in my name. I have my personal info out on internet websites and people use it to try and open accounts. I have notified all the companies to advise them and there have been no accounts opened. I have also made a report with the FTC and will be including it also. The following are the fraudulent inquires placed on my report : 1 )  XXXX XXXX XX/XX/2019 Experian 2 ) XXXX XXXX XX/XX/2019 Experian 3 ) XXXX XXXX XXXX XX/XX/2019 Experian 4 ) XXXX XXXX XXXX XX/XX/2019 Experian 5 ) XXXX XXXX XXXX XX/XX/2019 Experian 6 ) XXXX XXXX XXXX XX/XX/2019 Experian 7 ) XXXX XXXX XXXX XX/XX/2019 Experian 8 ) XXXX XXXX   XX/XX/2019 Experian
Product: Student loan

I disputed all of my payments that are erroneously not being counted towards my PSLF progress a year and a half ago. I call every month and Fed Loan refuses to correct the count, claiming a backlog. Now that my loans will be transferred in XXXX, its certain that Fed Loan has no intention to rectify their error. They're now miscounting all of the CARES Act payment moratorium months as well, and delaying my forgiveness date by two years. Please help to correct my timeline before transfer. I've been paying in full and on time since XX/XX/XXXX, so my last payment to satisfy forgiveness should be XX/XX/XXXX. 

I have continuously worked for the federal government and certified my employment for PSLF and PAYE recalculation annually in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I sent a letter to Harley Davidson requesting an explanation of a {$400.00} expense I noticed on my invoice. Having not received a response, I sent another letter to HD asking for the same information and also asking why {$100.00} of my payment was applied to interest only and not principal. Again receiving no response, I sent another letter on XXXX XXXX, asking the same questions. The question about why my entire payment was attributed to interest rather than principal was responded to. It was convoluted and I still do n't agree with how they applied my payment, but I did n't know enough to fight about it. The answer I received for the {$400.00} was it was for repossession efforts by a third party. Since I had not been contacted by any third party, I asked for HD to provide an accounting or itemized billing for this {$400.00}. No one other than HD contacted me or sent a letter, so I wanted to know what this {$400.00} charge was for. I was provided with an invoice simply saying {$400.00} but nothing showing what equated to {$400.00} worth of expenses they wanted me to pay for. I again sent a letter on XXXX XXXX, XXXX asking for an itemization of the {$400.00} of expenses that HD had now taken from me. They applied a payment meant for principal and interest to this {$400.00} and then told me my payment was late. To this present date, XXXX XXXX, XXXX, I have not received an accounting of this {$400.00} expense. I was told by a gentleman in the HD financial services department on XXXX XXXX, XXXX during a 20 minute phone call that HD was not going to provide this to me, they were not required to per his supervisor, XXXX XXXX. I was told sorry, but too bad you 're not getting an itemization of this expense. I did explain to HD I had not been contacted by any third parties, I had not received any correspondence from any third parties so this is a scam and it 's okay if they do n't want to follow up on it, but I should not be left paying for services that were never performed. Can you please help me to have HD apply the {$400.00} they have already taken from me and apply it to my principal. As mentioned, I am not too sure about the way they apply payments to principal and interest and if you could ensure I am being charged properly for interest, I would deeply appreciate it.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : VW CREDIT INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Credit card or prepaid card

In XXXX of XXXX I initiated a Fraud Alert with the 3 credit reporting agencies, due to concerns I had about suspicious activity. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that a hard inquiry had been made by USAA on my credit. I called USAA, provided my SS number, and after being transferred 3 times was told by someone there they would take care of it. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that I had a new account with USAA Bank. I called USAA bank, provided my SS number, and was told that this was a credit card. I was told that because of my previous call, the account was " restricted ''. I was told that I would need to call back during working hours to report that it was a fraudulent account. 
On XX/XX/XXXX I called the number for USAA fraud ( the number I had been specifically told to call ) and waited on hold for 55 minutes. I was then told that without a USAA account number, I would have to be transferred to a different number. The person who answered there said that I would have to be transferred to a different number, where I received a recording stating that the wait time would be 50 minutes. I hung up at this time, as I could no longer stay on hold. I will either try again or send them a letter. 
My complaint is that USAA opened a new credit card in my name despite the fact that I had a fraud alert on my account. They opened the account despite the fact that I had called and specifically told them that I had not initiated a request for a card. They then made it unreasonably difficult for me to speak with anyone to remedy the situation. They provide no option to address this online. They are basically complicit in the identity theft business.
Product: Credit card or prepaid card

Never received my sign up bonus for my First National Bank of Omaha Travel Elite card. 
Contacted company but never received the account bonus.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES reporting to my file are a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these accounts from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have filed multiple disputes directly with the CRA 's and the alleged account company ( XXXX XXXX XXXX ). Each and every time I dispute this account either with the CRA 's and the Company directly I am told that this account is " Accurate ''. This account is not accurate, and DO NOT BELONG TO ME. I have never REFUSED TO PAY, but I have requested multiple " VALIDATION '' letters of this debt from this company ( XXXX XXXX XXXX ) and the CRA 's who claim I owe money to. Per my consumer rights, I HAVE THE RIGHT TO REQUEST ANY INFORMATION TO SUBSTANTIATE THIS ALLEGED ACCOUNT. On numerous occasions when filing my disputes, my rights have been violated by ALL 3 CREDIT BUREAUS AND XXXX XXXX XXXX. I am a victim of identity fraud, and this company refuses to send me the required information so I can at least do my own investigation to find out exactly who has sabotaged my credit and, abused my personal information to acquire credit. XXXX XXXX XXXX continues to send me pointless letters stating that the account belongs to me, but never sends actual and documentary proof. I have requested hard proof such as ; 1 ) Verification and documentation that there is a valid basis for your companys charge-off of the alleged debt. 2 ) A copy of the written agreement ( bearing my signature ). 3 ) A copy of every billing statement. 4 ) The five personal identifiers associated with this account including full legal name, address of record ( the address used to open this account ), date of birth, zip code, and social security number ( not truncated ) I have never received a welcome packet, any billing statements, or a contract agreement from this company. According to FCRA 623 ( a ) ( 7 ) Negative Information : " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. I have NEVER received any NOTICES from this company. According to my own investigations, I believe this account was opened FRAUDULENTLY under an address that I HAVE NEVER RESIDED using my personal information, and this company ALLOWED THIS WITHOUT PROPERLY VERIFYING MY INFORMATION. If this is not the case, WHY HAVENT THIS COMPANY SENT ME THE INFORMATION I HAVE REQUESTED. ( SENDING ME A BLACK INK WRITTEN LETTER SHOWING MY NAME AND ACCOUNT BALANCE IS NOT VALIDATING THIS ACCOUNT ) I have attached all correspondence between me and XXXX  XXXX XXXX  showing their non-compliance. I am submitting this concern to the CFPB, The FTC, and The XXXX  for my evidence files in case/when litigation is filed against this company and The 3 Credit Bureaus. Attached is an identity theft report, along with a DC # for my current Police Report regarding this Identity Theft.
Product: Debt collection

Butte County Credit Bureau is reporting a debt from XXXX on my credit report. I have disputed this debt 3 times, yet they claim to verify it with XXXX. When i talk to the collection agency, XXXX XXXX claims this company is out of business and has noa ccess to any contracts, but has my name saying i owe money. After dealing with him for two weeks he stated we are at a stalemate, and will continue to report this debt that does not belong to me. I have asked him if he has a contract or my signature which he states he does not. But he states all he needs is my name. It is outrageous this agency can get away with ruining a persons credit with out verifying the debt what so ever. Logic tells me any sort of contract would have a signature which this agency will not furnish. They claim it is due to the company being out of business. I then asked if i was to pay you money today, who would actually get this money? He stated he was not sure. This needs to be stopped!
Product: Credit reporting

I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent account
Product: Mortgage

I sent in a large payment of {$350000.00} from my online banking service to be applied to the loan balance. I have spoken with several representatives that state that the payment was received on Thursday, XX/XX/XXXX. I was told that it would take a maximum of XXXX business days to be applied to my account. Today is Friday, XX/XX/XXXX, and it has yet to be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report on my credit from a collection agency for {$510.00}. Not only is this agency reporting this, they are also reporting an address that I've never lived at. I disputed this with Experian and Experian had the nerve to say the dispute was investigated and left it on my report. It is very unfortunate that the consumer is left int he middle of the disputes with the credit bureau and their clients. The consumer always gets the XXXX end of the stick in these disputes, all your client has to do is have a name and they can destroy someones credit, whether its yours or not. 

I want this off of my credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Inaccurate Reporting and Unauthorized Entries Dear CFPB, I am writing to file a formal complaint against Experian regarding inaccurate information reported on my credit report. The issues include late payments, closed accounts, and charge-offs that were reported without my consent. These inaccuracies have severely impacted my credit standing and financial well-being. 

Issues to Address : Late Payments, Closed Accounts, and Charge-Offs : These entries are incorrect and were reported without my authorization.
Product: Debt collection

I disputed an overcharge by XXXX XXXX  XXXX  with my credit card company, XXXX XXXX. XXXX XXXX refunded me the amount due from XXXX for the deposit i made. XXXX never provided a refund of the remainder of initial deposit, and then sent that balance my credit card company refunded to collections. Not okay. I have repeatedly called M. Leonard and Associates. They say the person i need to speak to is unavailable, at lunch, on vacation. It is absurd. I want to report them for unfair debt collection practices as they will not accept my dispute of the validity of the debt. I have also left several messages for XXXX, and emails, receiving no call backs or email replies.
Product: Credit reporting or other personal consumer reports

I sent the dispute letters to XXXX, XXXX and Experian. Both XXXX experian claim that I am not the person disputing inquiries, both soft and hard on my credit report and I called both company to verify my self won't remove it.