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

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a freeze on all 3 credit bureaus, Equifax, XXXX, and XXXX, and I just received an alert stating there was a PIN change on my account. I have not made any changes on my accounts until now. Customer service is closed, therefore I can't report this until tomorrow. I don't know how someone got inside my account or even know my username/email to get into my account because you have to know my social, address, how to spell my first name ( XXXX ). My spouse denies any doings but he has given my information away in the past.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation.

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.
Product: Credit card or prepaid card

Elan 's website has to be reset every time I try to access my account. I have spoken with Customer support and Tech support each for the last 2 months and I am still unable to create or pay my account. Please help, either their system or mine is hacked.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 : States a Consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer report 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 or prepaid card

I RECEIVED THE CORRESPONDENCE FROM DISCOVER LOANS. THERE WERE 2 LETTERS DATED XX/XX/22. I AM REQUESTING COPIES OF THE INITIAL APPLICATION TO DETEREMINE IF THIS SUBMITTED APPLICATION WAS FRAUDULENT SBMITTED. 

PLEASE MAIL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Money transfer, virtual currency, or money service

I was scammed by people impersonating ICE and police and I ended up sending XXXX cashier 's check of {$140000.00} to the scammer. I filed a claim with my bank, XXXX XXXX XXXX before the cashier 's checks were deposited on XX/XX/2023. Later that day, the checks were deposited. XXXX checks total of {$100000.00} was deposited to Chase. Of those XXXX checks, {$53000.00} was deposited to XXXX XXXX XXXX XXXX, {$49000.00} was deposited to XXXX XXXX XXXX XXXX. On XX/XX/2023 morning, I went to the Chase branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX to inform them about the scam. They informed me the funds were frozen. On XX/XX/2023 XXXX, I received Chase check hold department XXXX 's call about the {$53000.00} made to XXXX XXXX XXXX XXXX XXXX I let them know it was a fraud and they told me they would hold the funds and not release it. On XX/XX/2023 XXXX PM XXXX, I received Chase check hold department XXXX 's call about the {$49000.00} made to XXXX XXXX XXXX XXXX, I told them it was a scam and they told me they would hold the funds and not release it. Up till then, both {$53000.00} and {$49000.00} transactions were frozen and was not released to the scammer. 

I followed up with Chase 's complaint escalation and was told the funds are hold and XXXX  XXXX XXXX would have to request to return the funds. But only {$51000.00} was returned to me, the {$49000.00} wasn't returned. Since Chase are still holding the {$49000.00} from the XXXX XXXX XXXX XXXX account, I'm asking Chase to return the funds back to XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm literally a freaking victim & this is illegal!! I've reached out several times & when I did reach out I received a XXXX customer service agent that wasn't interested in doing their jobs! I have told you people numerous of times that I was a victim of identity theft!! For XXXX sakes, the IRS HAS TO ISSUE ME AN IP EVERY YEAR SINCE 2017 due to someone accessing my info & trying too use it to file taxes!! 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I'm disgusted that this reporting agency continues to report this inaccurate information!! This has had a negative impact on my life!! If this company doesn't find the correct solution for this problem, I will be seeking legal action!!
Product: Mortgage

We have filed a Insurance claim back in XXXX of 2018. Since then we got an estimate in the amount of XXXX. We have sent this to the Mortgage company and explained to them that this was half of what the contractor was wanting to do the same work. They were asking for XXXX up front and were waiting on the Insurance company to correct the their estimate. Since then we filed a complaint against the Mortgage company and finally got a XXXX of the amount originally estimated. We now have the Insurance company to agree to increase the cost for the same work and we settled at {$81000.00}. The Contractor is now ready to start the work but needs the difference in the XXXX amount up front. The mortgage company can not under stand the estimate so they are sending out inspections of work that has not started. They sent out an inspector less than a week ago and now want to come out again. We keep telling them there has not anything done because we need more money to start the work. I have called several time and today was on the line for 1hr and the last thing they told me is the same thing they told me at the beginning of the call, we need to inspect with the new estimate. Again this is the same estimate as was used on the last estimate just for more money. The Inspector even said there was no need for him to come out when there is nothing done. We have spent over 20,000.00 in material that are here at the house, only waiting for the contractor to start the work. On top of all of this I have had major XXXX and not able to work for a couple of more weeks and my home is torn up waiting for the work to start. Please help up so we do not get into a foreclosure issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH A RECENT 150 DAYS LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT, THIS SHOULD HAVE NOT BEEN REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call several week ago trying to get a copy of my report and score from. Transunion. I ways told previous that I would have it in 14 days Ike the Monitoring contract said. However, I call back to XXXX XXXX XXXX AL timeask again for my report. I talk to XXXX. She told me it will be 30 days. I want my score and report because they been taking out the money each month. The contract stated 7 to 14 business day. It been over 14 days. I do not know whether they send and someone else have it or if they have not because the employees are hard to understand what I am asking and IIt hard for me to understand what they are saying. My user isXXXX. I paid for both and I want them both.
Product: Credit reporting or other personal consumer reports

Federal Student Aid inaccurately denied me a graduate plus loan. They had proof my credit score was XXXX with no collections and all XXXX  loans were paid off in the past. They made an error in denying me a graduate plus loan because I was in law school and they did so intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following 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 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 Department of EducationXXXX 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  The reported balance and payment history of these accounts are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Department of Education/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 
The reported accounts status and dates of last activities for these accounts are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account ( s ) was resolved and should be reflected accordingly. The failure to accurately report this information is a drect violation of the FCRA.
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. 

XXXX Account with The XXXX XXXX XXXX - XXXX has violated my rights. 

XXXX Account with XXXX has violate my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

XXXX Accounts with XXXX XXXX, XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make and consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Vehicle loan or lease

My experience with XXXX XXXX is disappointing and reprehensible. I have purchased 2 cars from XXXX and also I purchased 2 extended warranties {$1500.00} for each car a total of {$3000.00} charges added to my financing for my both cars. My XXXX XXXX  XXXX  i financed by XXXX credit and the interest rate is very high 11.99 %. For company offers false advertising with 0 % APR or 2 % APR interest. XXXX Credit discriminated me and took advantage that my national origins by giving me the high interest for car purchase. With Ford Company ; I have experienced inconsistent and misinformation from their past employees when it comes to my car 's financing interest and warranty. When I went in to get my rear differential and transmission fixed under warranty the treatment I received was unprofessional and unhelpful. I never got the right copy of the documentation with the information. I paid for warranties that I never used it in the dealership. How can I get my money back for those charges for those warranties. I ended expending repairs in other car shop places regarding to my car issues over the years. The dealership never assist me with my extended warranties. I have been charge with 11.99 % very high interest in my car in the dealership. 

First, the one associate XXXX XXXX ( Business Manager ) just assumed I could not speak XXXX  and had someone come over and speak in me in XXXX  as he flopped warranty folder on the desk and walked away. XXXX XXXX XXXX XXXX XXXX ) spoke to me when we were BUYING two cars, but did not speak to my mom or me when we had problems with the cars about my car financing high interest or my car extended warranty. XXXX XXXX just delegated us to someone else who spoke to us in XXXX. Me and my mother are Americans and we both speak English. Ford Credit disrespect and abuse with high interest towards minorities. I felt very disrespected. I was misinformed in the finance department and also in the service department by previous employees that my car was covered under mileage, not years, a misinformation from their high employees turnover in this dealership ( Employee turnover refers to the number or percentage of workers who leave an organization and are replaced by new employees ). I wonder how XXXX hired unprofessional employees who provided wrong information to customers? I was given no help, no assistance, no customer appreciation, no customer retention, just a lot of excuses and insincere " sorry '' from XXXX XXXX ( Sales Manager ) as I was dismissed. After I spent {$45000.00} dollars and after paying a very high interest in my car financing in this dealership. I got no customer attention, no alternative solutions about refinancing with a better interest rate, no customer appreciation and any customer retention. After this situation. How can I repeat business in Ford Company? It is my absolute, unequivocal belief that after this bad experience and bad energy that this Ford Company is a big waste of money and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This company is reporting that a car loan that isnt even mine was written off as a loss. They have not provided me with a 1099 C proof of sale at auction a wet signature belonging to me or anything else validating this debt. They are in direct violation of my rights and if this debt isnt removed I will be pursuing litigation against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Rear Ended The police report shows I was not at fault and in this state Im fairly sure that those that are rear ended do not make them at fault.
Product: Checking or savings account

I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX  checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX  checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX  account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s code 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.