23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have filed a FTC report last year for fraud Because there was a fraudulent card opened in my name with DISCOVER With a credit limit of {$9000.00}. The card was removed off of my consumer reports however I received a few letters from an attorney from DISCOVER. This account is not mine. I am attaching a new FTC REPORT in hopes to get this account resolved. Please remove my information from your company as I do not have any cards with you DISCOVER.
Product: Credit card

I recently reviewed my credit report and notice an account was reported. I did not get permission to run this credit on my account. Im attaching my police report and everything that I submitted I demand to come off my credit immediately.
Product: Checking or savings account

Im opening the case again against my bank due a bad handling of a charge back request. I sent all the documents signed and information the bank requested on the times they needed. The bank said they never receive anything... 
Attached goes all the documents I sent to te bank with the dates to proceed to the charge back request, something they never did it. 
Old claims XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Follow-up Complaint Regarding XXXX 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue XXXX 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet XXXX has failed to implement the required block. 
XXXX 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ).

Requested Resolution : Immediate blocking of all information related to the fraudulent XXXX  account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.
Product: Debt collection

I am going through a lot of things right now mostly financial difficulties and Im trying to get back on track. Capital one called me so many times a day that I am completely overwhelmed and feel harassed that I dont even want to call them back. They fill up my voicemail on a weekly basis to the point where I miss important messages from doctors.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND EQUIFAX HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX  XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I received a collection call from XXXX XXXX XXXX on XX/XX/23. Not being familiar with the debt they were referring to, I asked them to send the information in writing. They did. When I received it, I saw it was an unfamiliar retail credit card. I checked my credit report to ensure it wasn't something I forgot about or could be a tip off to potential identify theft. Nothing was listed on my credit report that could tie back to the debt they are trying to collect. On XX/XX/23 a gentleman named XXXX XXXX  called me to attempt to collect this debt again ( stating again my wages would soon be garnished for the debt ). When I told him it was never mine, verified on my credit report, and seemed to be an attempt at skip tracing, he said my file was no longer in their system and I should stop calling them, and hung up. Assuming it was an overwhelmed employee, I called the number at the top of the form they sent me, which was disconnected. I called the number on the company web site and it rang back to XXXX XXXX. I asked if I needed to submit a written dispute to close the file and he hung up the phone.
Product: Checking or savings account

on XX/XX/XXXX had a telephone conversation with XXXX in America First Credit Union Cust Service regarding the purchase of a Certificate of Deposit. XXXX mentioned that upon receipt of my XXXX XXXXXXXX XXXX Cashiers Check that he'd call XXXX XXXX and obtain a " verbal clearance '' of the check so he could deposit the funds into a savings account and then obtain the CD. 

According to the US Postal Service the priority mail envelope was deliverd to America First on Monday, XX/XX/XXXX at XXXX. Two days later, Wed, XX/XX/XXXX XXXX called and left a message informing me that the cashiers check was received, and that he opened a savings account and to call him ( I checked online and have a XXXX balance ). Initially, when I asked for XXXX 's direct line, email, or phone number, he only provided America 's First Main Customer Service Number ( XXXX ) XXXX. As of this date Monday XX/XX/XXXX never heard nor spoke to XXXX again. 

When I called Customer Service Friday, XX/XX/XXXX, I was told that XXXX placed a XXXX WORKING DAY HOLD on the XXXX XXXX XXXX XXXXXXXX XXXX of six-figures, which would be XX/XX/XXXX. At which time, I could obtain the CD. According to XXXX XXXXXXXX XXXX on Mon, XX/XX/XXXX, they PAID America First on XX/XX/XXXX, so America First has my money, but I have to wait until XX/XX/XXXX? 

This is a true, and valid banking transaction, not FRAUD as America First seems to be overly paranoid about the subject. I am losing money on my six-figure deposit daily due to the 30 working day hold! This is totally ridiculous, XXXX never did what he said he was going to do, in fact he placed a 30 working day hold on the XXXXXXXX Cashiers Check, something he he never disclosed to me on the initial telecon, never called XXXX XXXX to verify the cashiers check using the XXXX XXXXXXXX XXXX  automated check telephone number ( XXXX ) XXXX as printed on the XXXX XXXX Cashiers Check XXXX 

I am requesting CFPB assistance in securing my " cashed '' XXXX XXXX XXXX  Cashiers Check funds in the amount of XXXX figures to be returned as a result of fraudlent and misleading statements by XXXX. I DO NOT desire to conduct business with America First Credit Union based on the above events. Waiting until XX/XX/XXXX, is unheard of in the banking industry! Most clear a cashier 's check in XXXX calendar days or less.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. These accounts : XXXX - # XXXX, XXXX XXXX - # XXXX, XXXX - # XXXX, are not accurate or complete. 

Also, according to 15 USC 1681s-2, a persona hall 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. 

Check attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.
Product: Debt collection

Midland Credit Management has repeatedly called from a blocked number AFTER I requested that they stop. The man on the phone was verbally abusive when I asked him to cease
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On or about XX/XX/22, I received an alert from XXXX XXXX stating that a collection in the amount of {$3600.00} had been placed on my account. I pulled my credit report and found that the company reporting the collection was National Credit Systems Inc. out of XXXX, GA. I contacted them the next day and was able to obtain a copy of the bill for past due rent at the XXXX XXXX at XXXX Apartments in XXXX, XXXX. Needless to say, I had never rented and apartment at that complex. I immediately contacted the XXXX, Illinois Police Department and filed an Identity Theft report. I then carefully reviewed by credit report and discovered that another apartment in the City of XXXX was currently being rented in my name. I spoke with the manager at this complex and she suspected that the renter was there fraudulently. She even provided me with the DL # and I shared it with the detective on my case, and it was a fake ID. The XXXX contacted The XXXX at XXXX and obtained the fraudulent information used to rent the apartment. The applications from both apartments were sent to National Credit Systems , Inc. NCS has informed me that they do not make the determination on whether it is a valid debt, and that the apartment complex makes that determination. The apartment complex has told me that the collection company determines the validity of the debt and that it is out of their hands. This has been going on for almost 3 months and the collection is still on my credit report.
Product: Debt collection

Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. 

This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7XXXX account exceed XXXX XXXX  Appliance exceed XXXX
Product: Student loan

They took my refund loan money great lakes or current I would like my money returned
Product: Credit reporting or other personal consumer reports

The current addresses on my credit report are incorrect, please upload to this address " only '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct ASAP.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPresence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XXXX XXXX  I began having issues making payments and contacted the company numerous times for verification of amount owed, etc. Over the last 30 days Ive been told wrong information multiple times, that is now risking negative credit reporting, promised call backs that never happened and above all have been lied to by multiple members of leadership. Specifically, Ive spoke with XXXX XXXX and XXXX XXXX, both of which who promised to assist me and follow-up accordingly, however, that never happened. XXXX notated my account in XX/XX/XXXX that any negative credit reporting would be deleted due to the ongoing problems and lack of proper communication. 

Ive spent well over 12 hours, just in the past week trying to rectify issues caused by receiving improper and wrong information.
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding Unfair Loan Practices and Vehicle Condition To Whom It XXXX Concern, I am writing to formally lodge a complaint against Credit Acceptance regarding an auto loan that I obtained through your institution. I believe I have been subjected to unfair lending practices, and I am seeking assistance in addressing the matter. The details of my complaint are as follows : I purchased a vehicle through Credit Acceptance, with the understanding that I was entering into a fair and transparent financial arrangement. However, shortly after the purchase, the vehicle began requiring major repairs, leading me to take it to a repair shop on multiple occasions within the first year of ownership. These repairs were substantial, and it quickly became clear that the vehicle was in poor condition from the outset. 

Despite my efforts to maintain and repair the vehicle, I was unable to prevent further issues. Eventually, I was forced to return the car to the dealership from which it was purchased. The dealership then sold the vehicle for {$2000.00}, yet a remaining balance of {$8500.00} was left on my loan, with highest balance of {$11000.00} which I am still being held responsible for. This situation strikes me as grossly unfair, as it appears the car was sold in a condition that did not align with what was represented to me at the time of purchase. 

It is my belief that the vehicle was sold to me in a defective condition, and I am now left with an unjust financial burden. I feel that Credit Acceptance, as the lender in this agreement, has not fulfilled its obligations to protect me from such circumstances. Given the circumstances, I respectfully request that this matter be reviewed, and appropriate steps be taken to address the remaining balance on the loan. 

I am requesting a full investigation into this matter, and I would appreciate your prompt attention to this complaint. Please consider this letter a formal notice of my concerns. I trust that the Consumer Financial Protection Bureau ( XXXX  ) will assist in ensuring that my rights are protected, and that unfair practices do not continue to harm consumers like myself. 

Thank you for your time and consideration. I look forward to your prompt response and a resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX [ Account information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX* has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 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.
Product: Mortgage

The issue I have with the mortgage company is about PMI ( Private Mortgage Insurance. ) The loan is about ten years old, and I have been paying for PMI since the inception of the loan, and have made several attempts to cancel the PMI, but Provident Funding refused to cancel it. I have met every requirement that would allow this PMI to be canceled at least three years ago, and they keep coming up with all sorts of excuses not to cancel it. I have paid for two appraisals, and they still find a way to skew or devalue the value of the property so that they will not cancel the PMI. The original mortgage loan amount was {$300000.00}, and the current balance is {$230000.00} which means that the loan has been paid down by more than {$64000.00}. So far, I have paid more than 21 % of the original loan, and yet they refused to cancel it. When the loan was first issued, Provident Funding appraised the house for {$330000.00}. The last appraisal they did which I paid for was in XX/XX/XXXX, and their appraisal valued the home at {$260000.00}. What is funny about this appraisal was that housing market in XXXX and XXXX XXXX areas had fully recovered since XX/XX/XXXX, and the rate of recovery when their appraisal was done was between 85 % to 90 %. Based on the original assessment of {$330000.00}, and housing market having recovered close to 90 %, an honest appraisal would have valued the home close to {$290000.00}. However, that was not even my biggest concern, what got my very confused and depressed was that they completely ignored that the house received a substantial improvement which in my opinion would have valued the home in XX/XX/XXXX, at upwards of {$340000.00} based on what the value was in XX/XX/XXXX. See my attachment for more information regarding the renovations done to the property. Another thing that I was confused about is how I was told that the PMI would be canceled in XX/XX/XXXX, and when I called as I was told to do in XX/XX/XXXX, they changed their mind. They came up with this excuse that they did not know that the house they have a mortgage on was a two family home, and because of that, what I was told were the guidelines on PMI has changed. Funny, they appraised the property, took a lot of pictures, and they did not know that it was a two family home? Well, single or two family home, it does not matter to me, this is still my residence and has been for twenty plus years.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!