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

On XX/XX/2023 I sent certified mail to TransUnion with regards to some inaccuracies found when reviewing my credit report. I received an email back stating items were verified and are accurate. However, see attached letter sent, where I specifically asked for the process in which they validated the said accounts. I also requested it be done by a LIVE person not an automated system or their XXXX XXXX. Clearly they do not have my or any consumers best interest and I would like this to be handled accordingly.
Product: Vehicle loan or lease

In XX/XX/XXXX, the lease was ending on my XXXX XXXX XXXX XXXX After looking at the options with XXXX XXXX in XXXX XXXX, CA, I decided to purchase a XXXX XXXX XXXX. 

XXXX XXXX purchased my lease ( i.e. bought the car ) and sold me a new car. There was no mention of any other fees and I believe I was clear when I agreed to buy the car that this was the price and there were no other fees. 

About a month later in XX/XX/XXXX I got a bill in the mail for {$190.00} from XXXX. The bill did no indicate what the amount was for. Upon investigation, there was a scrape on the car that XXXX decided was a {$190.00} cost to myself. There was no math given and I only found out the details of the bill upon calling to investigate. More importantly, I closed the deal on the lot and then get this bill a month later saying that the deal on the lot was not the deal, there's actually this other bill that was never discussed. 

Getting a bill after turning over my lease and purchasing a new car is shady and unethical. Yes there is a contract that says I am responsible for excessive wear and tear, but the point is that XXXX XXXX purchased my car on the lot that day and then slipped this bill to me in retrospect and it was never discussed. I was never told there would be additional costs to turning over this lease on the lot. 

Additonally - this XXXX XXXX has a key, not a fob, that has to physically be put into the car and can be locked in the car, which I did not know until I got the car home. I didn't even think that this was an option on a XXXX vehicle that I had to ask about. I certainly was not made aware of it by the salesman who gets paid per deal that he closes and is only concerned with closing the deal, no matter what. 

I have paid this {$190.00} so that my credit will not be destroyed, but it is a shady, unethical poor business practice and I will never buy another XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concer, Once again, Equifax has allowed credit inquiries to show up on my credit report without my permission ( despite having a fraud alert on my account ). On XX/XX/2019, I recieved a notice from XXXX XXXX that an inquiry from " XXXX/XXXX   '' was added to my Equifax report. On further investigation, I found out that this was for a XXXX credit card. Despite having a fraud alert on my Equifax report, I never received a call from XXXX or Equifax asking to verify my identity. This needs to be removed immediately. Why is Equifax so bad at protecting people 's credit? 

Thank you for your time. 
Regards, XXXX XXXX
Product: Mortgage

SPS It not showing or applying paid off loan amount of $ XXXX on loan XXXX and is refusing to refund escrow amount of {$1700.00} for a loan that has been paid off at XXXX XXXX XXXX XXXX Ca XXXX
Product: Debt collection

I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.
Product: Checking or savings account

I HAVE BEEN A CUSTOMER FOR MORE THAN TWO YEARS. I HAVE BEEN CHARGED OVERDRAFT FEES IN MY CHECKING ACCOUNT AND MY OVERDRAFT PROTECTION CHECKING ACCOUNT PLAN. THIS IS ONGOING, I AM STILL CURRENTLY BEING CHARGED THESE FEES. THE FEES RANGE FROM XXXX  per transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this information on my credit report 3. XXXX  XXXX account # XXXX the balance was reported wrong, the correct amount is {$1700.00} and I have uploaded a screenshot and statement to confirm this. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX XXXX, Account # 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 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.
Product: Credit card

I am writing to file a formal complaint regarding 1st Progress Credit Card, which has failed to honor the provisions of the Servicemembers Civil Relief Act ( SCRA ) in relation to the reduction of interest rates on outstanding debt while on XXXX XXXX. As a XXXX on XXXX XXXX XXXX, I requested an interest rate reduction to XXXX XXXX  as allowed under the XXXX, but [ Credit Card Company Name ] stated they do not support this interest rate reduction. 

This lack of compliance directly contradicts the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under the XXXX, which is designed to ease financial burdens during active service. I am able to provided all necessary documentation to 1st Progress proving my XXXX XXXX XXXX, but they have refused to adjust my interest rate accordingly. 

I respectfully request that the CFPB investigate this matter and ensure that 1st Progress Credit Card complies with federal law to provide the proper interest rate reduction for servicemembers. I appreciate your attention to this matter and look forward to a timely resolution.
Product: Checking or savings account

I got an an alert of duplicate charges from XXXX XXXX. Immediately contacted US Bank. To dispute the duplicate charges they refused because the transactions were pending. But will charge an over draft fee it it doesnt fall off as duplicated charges. I informed the technician no charges should be made if the funds are not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , OH XXXX
Product: Debt collection

The company calls several times a day, most recently on XX/XX/2019 at XXXX. They call from multiple numbers. Never leave a message when the call isn't answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 16668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I discovered fraudulent activity on this account on my Home Depot account in the amount of {$22000.00} the balance on this account should be one thousand or less. I reviewed my statements from XX/XX/XXXX to XX/XX/XXXX and fraudulent activity starting from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that has a balance of {$89.00} from XXXX  XXXX XXXX, XXXX XXXX. This account was closed on XX/XX/2020, because we moved from Puerto Rico. There are no late payments nor charge-off/collection to this account when there is no money owed to this company. I have tried to resolve this with the company multiple times.
Product: Mortgage

wrongful foreclosure in XX/XX/XXXX and wells fargo admits they had computer errors. my file according to the other claim was sent to OCC which has no knowledge. I was told to resubmit to the OCC and I did and when I called them on XX/XX/XXXX I was told it was sent to your office. I have been gotten a RUN around since day one. I want to know what is going on and I also called wells fargo onXX/XX/XXXX and asked them I have not received a letter and they gave me a claim number # XXXX and a number to call them back @ XXXX they told me someone would call me back within 48 hours and I have heard nothing. Just like I have been saying from day ONE I have all the proof of what they have done and No regulators will do anything. I want my house back or a comparable house. I have been fighting this since XX/XX/XXXX. i also want every document pertaining to my loan modification with XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not clobse this complaint stating it is not me. I am a natural person and a consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX motorcycle from XXXX XXXX Before finalizing the lease, an agent from XXXX XXXX ( acting on behalf of FCG ) expressly represented that FCG would report payments made towards the lease to the three major credit bureaus on a monthly cadence. In consideration of the agent 's express representations, I signed and executed the lease agreement. As of this writing, Fuel Capital Group has not reported the payment history on my lease to XXXX, XXXX, or XXXX XXXX. I have reached out on at least four separate occasions to inquire about credit reporting on my lease, and each time an FCG representative told me that credit reporting was " coming soon. '' It has been two months since my last inquiry, and credit reporting is still not happening. A cursory review of complaints against FCG reveals that they have been promising credit reporting on other lease agreements for years and still have not delivered.

It's clear that FCG has engaged and continues to engage in a pattern of unscrupulous business practices that exploit individuals seeking to establish or rebuild their credit history. Their actions constitute fraud in the inducement and violate statutory and regulatory consumer protection laws.
Product: Credit card or prepaid card

I applied XXXX XXXX credit card in XXXX XXXX it stated in their website that " Earn XXXX XXXX Starpoints after spending {$3000.00} in first 3 months ''. I hit the spending threshold in XXXX, but now, 5 months past, I still do n't get my welcome bonus points. 
During that time, I tried to contact their customer care by phone and online chatting no less than 10 times, they just keep asking me to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to the Credit Berueas disputing a fraudulent account with XXXX XXXX   and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

I also sent a police report as documentation to support that the account was fraudulently created after my wallet was stolen. I requested documentation from the Credit Berueas that verifies the fraudulent account with XXXX XXXX  and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2.This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 sunloan co ran my credit without my permission after speaking with a rep he advised me that this would be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

In the state of Virginia, citizens pay property tax on vehicles. In XXXX, I leased a vehicle, Honda XXXX, from Honda XXXX, in XXXX, Virginia. Because I leased the vehicle through Honda, my property tax invoice went to Honda, Honda would pay it and bill me for me to pay it. In XXXX, I moved from XXXX XXXX, to XXXX XXXX. In XXXX, I also bought my vehicle from Honda, so the property tax invoiced was sent to me directly, not Honda. I have been paying my property tax with XXXX XXXX since XXXX. However, in XXXX, XXXX XXXX sent Honda an invoice for me to pay property tax and Honda paid it and billed me {$300.00}. This started in late last year around XXXX XXXX. I explained to Honda finance on the phone that I paid my property tax to XXXX XXXX because thats where I live, not, XXXX XXXX, and showed them the receipt. They said I still should pay the property tax that Honda paid off to close the account of {$300.00}. Indivduals I spoken to with Honda stated they agreed with me, and kept pushing my due date out to resolve thr issue with XXXX XXXX. I haven't heard nothing for 8 months but I'm still receiving notices from Honda that I'm past due and this will impact my credit. Also, this same problem will happen in XXXX if Honda and XXXX XXXX doesn't fix it on their end. I want this resolved ASAP.
Product: Debt collection

Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, I Have disputed the below accounts due to identity theft. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I Summited to both Experian and the creditors the identity theft report with affidavit and Experian did not investigate into this issue the above items keep reporting inaccurately on my credit report, XXXX and XXXX have deleted the information based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your EXPERIAN you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the Deletion of these accounts from my credit report as its affecting my credit worthiness. 

regards
Product: Credit card or prepaid card

I'm willing to provide anything required by law to prove my innocence. Money was taken from my account that were a result of fraud. Capital One refuses to return my money or acknowledge the proof provided. On XX/XX/XXXX I was informed of suspicions activities on my account. After disputing the items I was told someone I know probably made the charges. I'm the only user of the account and have attached as much proof as possible. They failed to provide exact locations on several of the charges which makes it impossible to get supporting documentation on all transactions. See attached documentation. I also have several witnesses that I was with during this time. Im providing a police report a photo of the individual at one of the locations and a letter stating XXXX fraud liability. They could of called any of the fraud department and got camera footage. They claim the reason they took my money is I probably knew the person. Seriously.
Product: Credit reporting

EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent all Ftc violation They just updated Are The company XXXX the Ftc? 
Do they make decisions over what the Ftc deem violations?