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

Equifax compromised 143 million people 's Social Security numbers and other data and just announced this on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation
Product: Credit reporting

1. Applied for renter 's insurance with XXXX XXXX and was sold a policy on XXXX XXXX, 2016. 
2. About 2 weeks later received notice from XXXX XXXX that policy was terminated effective XXXX XXXX, 2016, based on LexisNexis NCF ( national credit file ) report. Was given XXXX & XXXX as consume report reference numbers to use for requesting a free copy of reports. 
3. Utilized XXXX to request free copy of reports. 
4. Received reply from LexisNexis saying, " We were unable to locate your file with the information provided. In order to process this request, please provide your social security number, so we can obtain a copy of the report. '' 5. Because of security concerns and identity theft, I am not willing to divulge my social security number. Obviously the report was already created for the benefit of XXXX XXXX, so I demand a copy of it. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit reports, which are damaging my credit and were not initiated by me.

I made multiple attempts & disputes. My next action is litigation against each company and credit reporting agency for allowing this to be reported for so long after multiple complaints of fraud.

This has severely affected my life. Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud.

Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

Please See Attached Notarized & Non Notarized Files. ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Alsomultiple laws are violating multiple laws & my rights : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right
Product: Vehicle loan or lease

After much investigation I discovered an auto loan had been submitted to Prestige. The dealership I believe that submitted my application is refusing to provide me with the original loan application.

I contacted Prestige to see if they could provide this information and to ask their policies on self employment, XXXX  pay, child support and verifiable part time employment as they denied the use of this income - according to the vague explanation by the suspected dealership. And why I was denied a consumer interview or to speak with anyone regarding my application. The company has refused any and all attempt or requests for clarification and or information. 

Prestige declined to provide any of the above information and referred me to the XXXX. 

I do believe that not only was the application submitted by the dealership - not myself was inaccurate. And also believe my verifiable and protected sources of income were denied against the Fair Lending guidelines. And personal bias was used in determining my worthiness in this case but am unable to discern or consult due to the refusal to provide any information - Ive since requested only a copy of my initial application which has gone ignored. 

I called XXXX XXXX and was told I would receive a call back and have not gotten a return call. 

Ive attached email correspondence below.
Product: Money transfer, virtual currency, or money service

XXXX is the branch manager of Bank of America located at XXXX XXXX XXXX XXXX XXXX, UT XXXX  and is specifically refusing to review bank policies and declining to assist customers. This location in XXXX, UT is the only fully functioning branch and was only recently opened.

I attempted to convert a Bank of America check payable to me into a cashier 's check so that the funds could be certified and because I am not an account holder they told me they would not help me. Since BOA is new in Utah, I called my local BOA bank in Oklahoma that I am familiar with and they reassured me that they should be assisting me & they just need to review the procedures for completing this.

Not only did XXXX  refuse to review policies and refuse to convert my check into a cashier 's check but he also refused to cash my check. I inquired if I opened an account and deposited the check when would the funds be available so they could issue me my cashier 's check and then XXXX, the branch manager said he would be placing an extended fraud hold on the funds because it is a new account. THE CHECK IS DRAWN OFF OF YOUR BANK. They refuse to assist and then threatens me with not releasing the funds?! They just make you feel like a criminal.

I called the Oklahoma branch back and requested they send an email to XXXX with a link to their procedures that will show him the appropriate steps that " should '' have been taken.
Product: Debt collection

I do not have nor have I ever had an account with LVNV FUNDING LLC. 
I have repeatedly disputed this account. This account was removed and then reinserted into my report without notice.
Product: Vehicle loan or lease

The company is using other 's purpose letter to resolve these issue. This letter was never intended for vehicle loan verification and stop harassment since by California Law you're not supposed to contact me, so why would I stop calls for collections from a loan company? On the other hand, Why would I want to lose my vehicle and/or my loan thru Wells Fargo Dealer Services?. 
This letter was sent in response to Wells Fargo Checking and Saving accounts. My accounts were closed supposedly because I was overdrawn with money that the Bank posted on saving account when the check was presented for payment on checking account. Further details aren't necessary to share since this letter was only for that purpose and NOT to stop Wells Fargo Dealer Services calls and payments reminders, and so on. As you can see an error was made and I'm paying the price with late payments. Your crew should take serious responsibility with customers and don't forward letters to wrong departments and/or a totally different part of the Bank which is car loans. 

Attached files are the previous response. A response that was based on a letter that wasn't supposed to be forwarded to them. 

The previous request added below : I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and the company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all the help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Product: Checking or savings account

If you do overdraw your account by more than {$50.00}, Huntington offers a free overdraft protection feature called 24-Hour Grace. You can avoid an overdraft fee by pulling your balance up to a positive amount by midnight of the next business day. You can also link another account for overdraft protection transfers, which are free. This is what they advertise. But where is the 24 hour grace?? 

XX/XX/2023 PAID XXXX XXXX TRANSFER XXXX - PENDING {$15.00} OD FEE-24 HR GRACE ELIGIBLE OD Fee-24 HR Grace {$0.00} pending {$2.00} XX/XX/2023 PAID SUBSTITUTE CHECK # XXXX - PENDING {$15.00} OD FEE-24 HR GRACE ELIGIBLE OD Fee-24 HR Grace {$0.00} pending {$2.00}
Product: Credit card or prepaid card

american express sent me a pre approved offer in the mail only to deny me credit when i applied like really why send me an invite to apply for credit only to deny me credit??? to raid my ss account with an inquiry..
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I finance a car and the dealer applied for a loan through XXXX XXXX  XXXX which was a success. However, I see multiple loan hard inquiries on my credit from the same day of XX/XX/2023 which I do not recognize
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

JUSTICE OF THE PEACE COURT OF THE STATE OF DELAWARE IN AND FOR NEW XXXX XXXX COURT NO. XXXX COURT ADDRESS : CIVIL ACTION NO : XXXX Equifax and XXXX XXXX to remove a debt collection of XXXX + even when I deputed this. 
Here is my court number and court where the judge found me not guilty nor liable for the debt that these XXXX credit bureaus refuse to take off. 
I want to sue them both for XXXX for the false report on my credit.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX  XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX  XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX  Account # : XXXX, Account name : XXXX  XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : 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 reporting or other personal consumer reports

XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal.

the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate. 
Perplexing me, is that I did not give XXXX authorization to share my information with XXXX, XXXX and XXXX. 

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( AES/XXXX  ) I have asked that ( AES/XXXX  ) cease and desist reporting inaccurate information to XXXX, XXXX and XXXX unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXXl was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was XXXX an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Product: Debt collection

I just got mail from Transworld to my address and wrong last name XXXX XXXX instead of XXXX XXXX XXXX collecting a debt I do not recognized as mine
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, EQUIFAX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative XXXX is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Money transfer, virtual currency, or money service

Contacted BOA on XX/XX/XXXX and asked manager if they could run a report from the ATM machine and asked to contact the phone number on the machine. Spoken with the Fraud department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX who said there was nothing that could be done and that my money was lost. The bank manager indicated there was nothing they could do and to file a complaint with my police department which was with XXXX XXXX. After a week, informed he was a civilian officer and that there was nothing that could be done. I am aware that every system has a tracking system and every ATM has a report that can be ran called electronic journal file which no one offered to have this report ran. It is now XXXX weeks later still getting the same answers and on XXXX filed a complaint on Bank of America asking why the a report could not be ran that would tell any transactions from that ATM on XX/XX/XXXX between XXXX that includes time, date and money deposited to that machine. I told them XXXX transactions were done, one for {$4600.00} and the other around {$6500.00}. Once a complaint was was filed on XXXX I received a call about XXXX hours later. I specifically indicated XXXX transactions. It took about XXXX calls to reach the assocate assigned to my case with each call going directly to voice mail. I sent an email to that team letting them know they were imposible to reach and then XX/XX/XXXX I finally got a call by from that associate. Please note I started asking for research on XX/XX/XXXX to look into this and got nowhere. Finally when speaking with the associate she said there was no trace of {$11000.00} found when the report done XXXX weeks later ( electronic journal file report ). Waisted time has occurred since the proper procedures not followed. I then confirmed it was XXXX transactions, XXXX for {$6500.00} and the other for {$4600.00}. I got notification on the {$6500.00} that they could not locate the funds. Not happy with the response and how the issue was handled. Still waiting on research on the XXXX transaction. It is odd the amounts sent can not be located since cash went through that machine and was accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally, they exceeded the XXXX response required by FCRA rules. Initial investigation started approximately XXXX/XXXX/XXXX Please see enclosed itemsACCOUNTS XXXXP XXXX NA 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 SB XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 OF XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX FEDERAL XXXX XXXX/XXXX/XXXX BK CHPT XXXX COLLECTIONS 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

After reviewing my Consumer Reports, I noticed some late payments on reports for which I have always maintained on-time payments which are causing me not to purchase a home. Consumer Reporting Agencies play an important role in accurately reporting customer information. This information must be reported with utmost accuracy. I've never missed a payment with the following accounts : XXXX, XXXX, XXXX, and XXXXDept of Education . I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these account payments. If you are unable to furnish this proof, I demand that these payments, be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay.