23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.
Product: Checking or savings account

https : XXXX ( as reference ) Unfair and abusive Acts - why is there a fee to cash a check on an account from the financial institution that holds the account? 
I was given a check drawn on M & T bank account for {$800.00} I went to M & T to cash it and since i was not a M & T customer they wanted to charge me 2 % of the value {$16.00}!!! 
This is a check drawn on a M & T Account. 
This appears to be common but is abusive and should be prevented. The account holder has contracted M & T to provide that service, why is the beneficiary being charged?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was interested in doing refinance on my car loan since my credit score has increased this year. My bank uses Experian so I did a temporary freeze lift and I signed up for their membership {$4.00} just so I could get my credit score to ensure it was in the same range as XXXX and XXXX are reporting. Experian showed my credit score as XXXX which is the same range ( and I included a screenshot showing this below dated XX/XX/18! ) Today however I got the standard notice that the bank is required to send and Experian reported to them that my credit score is XXXX  (!!! ) which in turn cause me to get a higher interest rate offer which means I can not refinance. So I paid {$4.00} for nothing basically and got a inquiry to my credit for 15 points so now Experian shows my score as XXXX!! Do I have any recourse for this?
Product: Debt collection

Regarding alleged debt owed in the amount of {$270.00} to MARS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX. The creditor listed on my credit report. Failed attempts to validate the debt listed. I have attempted to reach the above creditor twice via certified mail. First attempt XX/XX/XXXX certified letter was returned with a message stating wrong address. Second certified letter XX/XX/XXXX was returned with message return to sender, vacant unable to forward. The name and address was obtained from the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received letters from XXXX XXXX, Bank of America, and XXXX  XXXX  XXXX  stating I was denied a credit line, but I did not authorize this. XXXX and Bank of America were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against first progressive cards for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, first progressive consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, First Progressives actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX was bought out by Ameris Bank.Since the change unexplained overdraft fees have hit both my business and peronal accounts. When attempting to view my accounts via mobile banking balances are inaccurate not including all check card purchases that should be pending. My business account was unable to be viewed for a month during the switch which was completely inconvenient. I was also charged multiple overdraft fees for the same item that only came out of my account once. There are also no working ATMs in my area which means if the bank is closed I am unable to make a deposit into my account. This is a huge inconvenience considering I am working during normal banking hours. I truly believe that Ameris bank is manipulating how transactions are posted in order to collect overdraft fees. I also believe Ameris bank is limiting what the customer can view via mobile banking in an attempt to collect overdraft fees.
Product: Credit reporting or other personal consumer reports

Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX  days. Supporting documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : 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

In accordance with the Fair Credit Reporting Act XXXX/XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXXXXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within 48 hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.
Product: Checking or savings account

After reviewing my early warning services account i noticed accounts that were not familiar to me i sent a validation letter to Early Warning Services i have yet to receive any information that justifies the reporting of the accounts on my ews report. Please find a list of accounts below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Account number : XXXX Date opened : XXXX XXXX, XXXX U S DEPT OF ED/XXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Reported date XXXX XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXXXXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
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 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit reports and noticed the following unauthorized hard 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Peoples commerce inc XXXX XXXX XXXX XXXX  XXXX pa XXXX This account is paid in full and is closed. This company no longer exists as well. Its reporting on my credit as paid in full and last update XX/XX/year>. Status also reports pays as agreed. Paid off 100 percent. This account is reporting a balance of XXXX . Please remove this from my credit report. Date opened is reporting XXXX XXXX. 
Contact number for this account is listed as XXXX XXXX  This is reporting on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo received my former CFPB complaint number XXXX and a copy of my attached credit report and instead of addressing all months listed on the report that are in error, WF only responded related to one billing cycle instead of responding to my complaint regarding ALL billing cycles. Therefore, I am compelled to file an additional complaint with CFPB. I implore you to thoroughly research the attached document and thoroughly read it and correct ALL errors immediately. Do not send another scripted/form letter, actually read my complaint, call me if further clarification is necessary but, do not send another incomplete, scripted reply to my complaint or I will be compelled to join in the pending class action lawsuit that claims WellsFargo discriminates against their XXXX customers. 

Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for three years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.
Product: Credit reporting or other personal consumer reports

In 2016, a XXXX account was opened in my name with a social security number ending in XXXX. This is not my last three digits, and when I tried to tell the creditor this, they took this to court, and I am being sued for XXXX. I don't have a problem paying delinquent bills, but this is not my bill to pay. I have had numerous issues with identity theft.
Product: Credit card or prepaid card

I was promised a 2 % cash rebate on all purchases. On XX/XX/2019 I requested {$640.00} in cash rebates I had earned on purchases. I have never received the cash and the bank, Synchronity of Utah has done NOTHING to make good on the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time ineffective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer App ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Arcon Credit Solutions got my private property XXXX XXXX without my consent, which they violated two UCC Filings. File number XXXX with a fine for more than {>= $1,000,000} and File Number XXXX with a fine for more than {>= $1,000,000}. They damaged my reputation by saying that I owe a debt that is not mines. They are trying to coerce and threaten me into paying a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of identity Theft and contacted Trans Union with both FTC and Police Reports. I have sent this to Trans Union several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case. 

XXXX : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent
Product: Credit reporting or other personal consumer reports

I ama victim of identity theft. The paperwork I have sent to the credit agencies is not being attached to my disputes. They say that the address is not clear but it is. And I have filed a police report and a FTC report. And I have asked for copies of the verification process according to the FCRA and am not getting anything back. This is a clear violation and the FCRA says that the agencies are violating the law and can be fined.
Product: Credit card

Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.
Product: Debt collection

XXXX sold the debt to United Check Recovery Bureau Inc. My original debt was incurred in the state of VA . When I was originally contacted about this debt I provided them an updated address which then told them I was no longer in EST but MST time zone. 


On multiple occasions, they have called me at XXXX XXXX  mst. 

Today XX/XX/2024, they called me again at XXXX mst.