23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX IL XXXX XXXX To Whom It May Concern : This letter is regarding XXXX XXXXXXXX XXXX IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed a fraudulent Unlawful Detainer case with the XXXX XXXX XXXX XXXX Case # XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, are representing XXXX XXXX XXXX XXXX XXXX and are claiming that the Plaintiff has interest, is an owner of, and entitled to immediate possession of the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX California [ XXXX ]. PROBER AND RAPHAEL, XXXX filed a CORPORATE GRANT DEED on behalf of XXXX XXXX XXXX  on XX/XX/XXXX ( Doc # XXXX, XXXX County Recorders office ) Granting said property from XXXX XXXX XXXX XXXX XXXX to THE SECRETARY OF VETERANS AFFAIRS. XXXXXXXX XXXX XXXXXXXX, XXXX, Granted said property to the SECRETARY OF VETERANS AFFAIRS and is now attempting to claim ownership through TRUSTEE 'S DEED UPON SALE ( Document # XXXX, XXXX Superior Court , dated XX/XX/XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed the Unlawful Detainer case after XXXX XXXX XXXX XXXX XXXX previously Granted said property to THE SECRETARY OF VETERANS AFFAIRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by XXXX data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Product: Credit card

In early XXXX, Optum Bank, the custodian for my Health Savings Account, advised that my debit card ( to expire in 2027 ) would need to be replaced by the end of XXXX with a card being sent to me. After the card didn't arrive, I established that Optum had a dated apartment number for me, in my current building. I updated the address online and requested another card be sent, which was to arrive in 7 to 10 business days. This began a sequence now involving 4 requests for resending of cards that did not arrive. Each time, I called and was told that the send was initiated, and each time, no card. Yesterday, on XXXX XXXX, I called and demanded that a card be expedited to me by an overnight service that would track the mailing. I was told that this time, it would be received within 3 to 5 business day, but that no tracking option was available. So I don't know whether it will arrive or not. 
My complaint is : Optum insisted on replacing a card that did not need replacing, it terminated the former card within an abrupt period of time, it repeatedly failed to get a replacement card to me, and it incompetently can not track its own expedited mailings. 
It is not a worthy financial institution to be administering Health Savings Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 I bought a wedding ring from XXXX XXXX XXXX. The ring was priced just under {$900.00}. When I told salesman I would take it he said : " 6 months same as cash ''. I was living in XXXX. My sister and brother n law went three times to pay the ring off before the XXXX month. A new sales person was disappointed they weren't there to buy something and said, " Without an account number I can't help you. " This was an untrue statement. About two years later I came home and went in to pay the ring. They said " Without an account number there nothing we can do. '' I got the manager. He made one phone call had my account number and a service representative on the phone. They said I owed nearly {$1300.00}. I explained what their sales staff did. The rep. agreed with me and I paid off the ring for the original price. Now I see they are ruining my credit. I want this report amended to show it was their fault not mine. We ( sister and I ) will take them to court if this isn't settled.
Product: Credit card

I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  - XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX - XXXX XXXX XXXX - XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe trans union has done a dark pattern on my credit report also my information was shared with third parties without my consent some of the inquiries on my report should not be there they are either closes or was part of a bankruptcy etc
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a complaint with your agency, case # XXXX, XXXX XXXX XXXX 
I signed up for credit repair services ( The XXXX XXXX XXXX ) and IdentityIQ services to monitor the changes, TWO days ago XXXX again hit my credit report with TWO MAJOR DEROGATORY items. I asked them to help me and XXXX refused. They have hacked me and hacked me to tears, I am trying to take steps forward and they are pulling into the ocean to drown. I have XXXX they can not offer a decent refinance loan to get them away from me because they are steady HITTING my credit report. I AM DONE!!!! either they close this off my credit or I am going straight into the XXXX XXXX with a lawyer supporting me. I am sick and tired of harassment. With my salary I could not afford to pay them!! I faced more hardship in the XXXX in 62 years than the XXXX XXXX  coming into XXXX have faced and as an XXXX citizen, I CANT GET HELP AND I PAY TAXES EVERYDAY??? Really XXXX??? The XXXX XXXX wont even answer my mail, he is RICH generating XXXX of computer NUMBERS. Well I am going to call on my higher powers even take this to national television!!!
Product: Credit reporting or other personal consumer reports

I look at my credit report and these accounts on my report that is not mine. So I called the bank and they said that they would close the accounts and remove them from my credit report. And also all the inquiries that are not mine.These accounts are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want them OFF.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

I purchased a XX/XX/XXXX Honda Accord at the XXXX XX/XX/XXXX.The rate was high and my payment was {$400.00} a month when I had a good credit. I just found out that Honda was taken to court for charging higher interest rates to XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX auto auto finance loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status
Product: Mortgage

On XX/XX/XXXX I wrote Bank of America a check for {$15000.00}, principle only payment. The check cleared the next day. After about a week it still had not been applied. I have 3 times and each time, I was told the same thing. That it was in the wrong column and that they were waiting for the customer to call in, and tell them what i wanted to do with the money. That they would escalate this issue, should be resolved in a day or two. Those calls were over a month time frame. On XX/XX/XXXX, I then sent an email to customer care, and received a reply the next day. Basically, it says the something. And now it appears, the auto deduction payment I have setup with BOA ( have had it since 07 ) isn't being applied to my account. I have been given the reason for the mess up, is due to a system upgrade. It's been over 5 weeks for them to fix my issue, still  nothing.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and should not appear on my credit report. Their presence constitutes a violation of the following : Legal Violations False Reporting and FCRA Violations Under 15 USC 1681b, hard inquiries should only be made with consumer consent or permissible purpose. I did not authorize these inquiries. Under 15 USC 1681c and 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure only authorized inquiries are included. Failure to verify authorization for these inquiries violates the FCRA, and they must be deleted from my report. 

Privacy and Unauthorized Access Violations The Gramm-Leach-Bliley Act ( GLBA ) requires institutions to protect the privacy of consumer information. Unauthorized access to my credit information by these entities constitutes a breach of my privacy rights, warranting the immediate removal of these inquiries.

UCC Compliance and Consumer Rights Violations According to UCC 1-201 ( b ) ( 20 ), financial transactions must be made in good faith. Reporting unauthorized inquiries infringes upon my rights under UCC standards and requires immediate correction. Further, under UCC Article 9, unauthorized credit access violates transparency and authorization requirem Disputed Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, to remain until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, to remain XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back?My Cash XXXX loan # XXXX  was initially for XXXX. I currently owe more towards the principal, than what I took in the initial loan. How is this so? My interest rate is 674% on XXXX? This feels like being kicked in the teeth, after being awakened from a very bad dream! This is not reality, for 674% interest is a long way from realistic! This is robbery!Is there help out there for my situation?
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX
Product: Credit reporting

I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.
Product: Debt collection

Bounce AI is falsely reporting a collection account on my credit report. I have no knowledge of debt. Validation of debt was request from company with original creditor payments history and any person/persons involved In debt but was not giving information as required My ssn was used in a data breach by republic date and this inquiry is a result of identity theft
Product: Checking or savings account

Hello there, I signed up for a promotion that was mailed to me from First Citizens Bank. I am a resident of the state where the bank resides as well. 
The promotion was, " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account Within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. 

I have met all the qualifications. I opened my account in XXXX and met all the qualifications by XX/XX/XXXX and I haven't received the bonus. I called the bank three weeks ago to inform them of this and they haven't returned my phone call. 

I can provide my banking information to the company separately.
Product: Debt collection

On XX/XX/2020 i filed a complaint against this company that is trying to collect a debt that i do not owe them i am asking them to show me proof of my signature on any contract with them either in person or electronically. I do not know this company nor have i signed a contract weather in person electronically by voice or any methods of agreement with them.
Product: Credit reporting or other personal consumer reports

Hi, Experian, XXXX, and XXXX continues to report errors on my credit report causing my score to drop XXXX XXXX sometimes XXXX points due to their negligence in reporting accurately when in regards to accounts paid on time in good standings as well as not giving me the credit when everything is in good standings. Also my personal information is incorrect I have XXXX name I dont go by any alias and they have about XXXX different names on my report along with the wrong social and and multiple addresses and telephone numbers. No credit company is supposed to report any opened balances due or open accounts on my report if these accounts are allegedly in collections as well. There are inquiries several that shouldnt be on my report either and Im tired of contacting Experian about the same stuff never reported accurate fico score either they always show my score lower than what it actually is
Product: Checking or savings account

I call citibank to see if they rejected my tax refund they said no i asked for certified check they was providing me with no resolution
Product: Vehicle loan or lease

We contacted Consumer Finance regarding errors in our billing. ( We pay one month in advance due to Santander 's high interest rates ). As the result of the complaint, we received an apology and assurance that the problem had been fixed. This month, not only were we arbitrarily removed from receiving paper statements, but our online statements have all been changed, so that now there is actually no evidence of our ongoing extra payments. I phoned the office on XX/XX/XXXX to speak to someone about this and " XXXX? '' informed me she is " not allowed '' to speak to me and all calls I make must be " handled by the legal department ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency reported a debt to All 3 bureaus iXXXX XXXX From a finance company XXXX XXXX XXXX XXXX And after the 7 years of being on my credit report XXXX and XXXX removed the debt but Equifax reinstated because XXXX XXXX COMPANY SOLD THE DEBT TO A Collection XXXX XXXX XXXX XXXX so now the same debt that been on my credit report has been reinstated as a new debt now today that same debt has been on my credit report since 2014 if there is anything that can be done I very much appreciate and thank you in advance!