23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 my UnionBank debit card was hacked by a foreign fraud organization and an amount of {XXXX} was transferred to a XXXX XXXX via a money transfer service called XXXX. I had not authorized this transaction and just by sheer luck, happened to check my account shortly after it occurred. I immediately called the bank help line and discovered that it no longer functioned 24 hours a day, as it had before being acquired by XXXX XXXX. ( Generally, following this merger, services have suffered greatly and fees have been rampant! ) As a result, I was unable to put in a charge dispute till the following day. 

When I finally was able to open a charge dispute, I was told that there would be a 10 to 20 BUSINESS day investigation period at the end of which I would get a response via email detailing the results of their investigation. And so I waited. After a full 21 business days had elapsed without a response I called the dispute response department and was informed that no investigation had ever been opened or was lost. I was told I would have to open a new one and that I would have to wait an additional 10-20 business days for an an investigation to take place. This amounts to a dog ate my homework response, which in my experience is typical with stoned teenagers and giant fascist corporations such as XXXXXXXX XXXX ( Truth be told, I would trust a stoned teen before XXXX XXXX with my money. ) What I would love to see happen is for XXXXXXXX XXXX to be put out of business through strangling fines and draconian regulations. I realize this is unlikely. I insist, however, that you investigate this and give them some legal pain that will cost them significantly more in lawyer billable hours than the small sum that was stolen from my account as punishment for their XXXX  response to my complaint.
Product: Credit reporting

My complaint involves XXXX XXXX XXXX in XXXX. I applied for an auto loan through XXXX, and shortly after I received a call from XXXX XXXX ( not sure of spelling ; her direct line is XXXX ) at XXXX XXXX ( XXXX of XXXX ) preferred dealers. I was told that I had been approved ( APPROVED, not PRE-APPROVED ) for a {$35000.00} car loan with no money down, but they could only discuss details such as LTV ratios or interest rates with me in person. She assured me they had a lender with an approval. I arrived at the dealership, and was immediately asked to fill out a credit app - I was told this was to make sure I was who I said I was. They ASSURED me that they would not run my credit or submit to any banks. Then they appraised my trade and the sales guy said he could n't tell me how much they were offering because his boss keep that all secret. Next, they tell me I can no longer get the used XXXX I wanted due to the LTV and would have to get a new Altima. At this point I had to get back to work, and the plan was for me to return to the dealership around XXXX to finalize the paperwork. At XXXX, I phoned the sales man, and he refused to tell me anything at all - not how much my trade was worth, or even a range of what my monthly payments might be. It 's an XXXX drive from my office, and I smelled a rat, so I decided not to return. I just got home from work and saw that the dealership out about XXXX hard inquiries to banks while I was in the waiting room earlier in the day. What a scam. They lied about the loan approval for the sole purpose of getting me in the door ( over an XXXX drive each way ). It appears to me they are running a special finance cattle call. 

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 

Truth in Lending - They submitted credit applications to over XXXX banks. I 've asked for copies of what they sent to the banks regarding my applications, and was refused access. I am accusing them of submitting false credit applications on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In wake of the massive Equifax breach there needs to be an easy and free way in which a consumer can freeze ( and thaw ) their credit so that the perpetrators can not open new lines of credit in my name. 

While I will continue to aggressively monitor my familys credit, it is disappointing that there is not a way to easily do this at the three main crediting agencies.
For Equifax, XXXX and XXXX to actually profit from a security breach that they caused is beyond mind numbing.
Hi Customer, We the credit bureaus collect ALL of your personal and financial information in one convenient database. Unfortunately, all of that data was stolen, but for $ X a month we will monitor and protect you from fraud. 

No thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX Experian and XXXX for their continued failure to correct inaccurate late payment information on my credit report concerning my XXXX  account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I made a payment, and car was reprocessed without my knowledge. During the repo process, they came on private property to my job and negligently towed my car. I ran to get information and no one could tell me anything, during the repression my vehicle fell off the bed of the tow and crashed into the tow truck as it was moving. I have proof and pictures and no one has tried to reach out to me to give me any information. My car was a total loss and I am not responsible for the damage, if the bank requested their third party vendor to pick it up.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XX/XX/2019, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, XXXX  and 12 Capital One. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

Capital Ones website states this account was never assigned to XXXX XXXX XXXX, XXXX. As stated on Capital One records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed XXXX XXXX XXXX XXXX, - XXXX. 

XXXX XXXX XXXX XXXX failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from Capital One ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with XXXX XXXX XXXX XXXX for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline Capital One Bank USA removed from XXXX  and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XX/XX/2019, the account listed as, 12 CAPITAL ONE N.A, the comment says disputed my customer. The name was just changed. 

XXXX XXXX XXXX XXXX, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The XXXX XXXX owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, XXXX XXXX XXXX plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified  two  open a  New  Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  XXXX  homes of ID  XXXX  Times and Usually no response or they Send a Credit report has nothing  two  do with why all Applications are Denied Why Cant i respond two  XXXX  I cant Get a New Bank account in 3 years and the Credit burrow only Respond yo u may ha ve been a victim Of Fraud.
Product: Credit card

I have a Bank of America XXXX card. I have set up automatic payment which works very well. However if I make a payment before the automatic payment date ( sometimes weeks before ) Bank of America still withdraws the entire amount based upon the month closed date. Also refunds do not reduce the automatic payment amount. 

I don't know if this fit within the CFPB, some other agency or is perfectly legal. 

Here is an example End of billing cycle Balance {$500.00} 5 days later I get a refund of {$50.00} 7 days later ( after bill splitting with a friend ) I pay another {$50.00} On the automatic payment date {$500.00} is withdrawn from my checking account though I have paid ( either directly or via refund ) {$100.00}. IMO I should only be debited {$400.00}. 

Please advise if BofA policy are appropiate. 

Thanks
Product: Credit reporting or other personal consumer reports

This is the third time I have disputed the incorrect information in my report. I made a previous complaint to the CFPB with the number XXXX indicating that the investigation will take 30 days, it has been more than 30 days and I have no response. The address that I am going to write does not belong to me, it does not belong to me and I could classify it as fraud when it is reported on my credit. My current address is correct but XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my address. 

Eperian is not fulfilling its role which is affecting my credit report. I request that this matter be verified as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Disputing Inaccurate Accounts on My Credit Report- Smith vs. Experian Dear Experian, I am writing to dispute specific accounts on my credit report due to incomplete and inaccurate information, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies in these accounts are negatively impacting my credit standing, and I am requesting their immediate removal. 
On my report, as shown in the attachments to this letter XXXX XXXX, is reporting inaccurate information. There is no opening date, the account status says open when its actually closed. The last reported, date last active, and date of last payment are incorrect. The report for XXXX is also incomplete which is a violation. The two year payment history on my report is missing information which also makes it incomplete. I am demanding removal. 
I kindly request a thorough investigation into these matters in accordance with the FCRA guidelines. I anticipate the swift correction or removal of inaccurate or incomplete information from my credit report. 
As a relevant reference, I would like to bring to your attention the legal case of Smith vs. Experian, where Experian faced legal consequences for similar inaccuracies in reporting. This case highlights the importance of addressing the rectifying such matters promptly and in compliance with regulatory requirements or standards. 
I am copying this dispute letter to the Consumer Financial Protection Bureau ( CFPB ) and the South Carolina Attorney Generals Office to ensure proper oversight and attention. 
Thank you for your immediate attention to this issue. I look forward to a prompt resolution. 

Sincerely, XXXX, XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX in XXXX, MO to see about purchasing a used car in XX/XX/XXXX. I was only able to qualify for a very high interest rate due to my XXXX XXXX. I paid a down payment of {$1000.00}, got a XXXX XXXX XXXX. I was told I would get payment information from Santander XXXX, as well as the title. I got XXXX letter from Santander XXXX with my payment information, due date but I had no account number assigned at that time. I didnt hear anything from the dealer until XX/XX/XXXX or so when the finance XXXX from XXXX XXXX XXXX told me they did not have a title available for the vehicle, I had to bring the car back, I was told because its illegal to sell a car that has no clear title. I was still concerned about the interest rate ( 27 % ) I was told they could make a better deal on a different car. I was out of town until XX/XX/XXXX and brought the vehicle back to the dealer as instructed. The finance guy had me in his office, the car title had been located and he wasnt going to redo the deal for a lower interest rate. I signed the title and went on my way with the car. The title came to my home by courier the next day. I called Santander Consumer that day on the information contained in the XXXX letter I got, and none of the information I had would allow me to set up an account or pay. I finally spoke to a live agent who informed me that I had sold the vehicle back to the dealer, had no balance, no pending payments, no way to set up future payments without a current balance. I asked the agent how to handle payments he told me I would get another notification in the mail when there was a balance. I never received any correspondence from Santander. In the months from XXXX to about XXXX I wasnt able to get through the Santander phone system to set up an account based on the only letter I got from them. In about XXXX, I finally got ahold of someone, my loan had already been charged off, ready to repossess the vehicle. I spoke with XXXX XXXX XXXX Santander several times over the next months made some payments but unable to cure the default, so far. Again I had no communication via phone, email, letter about my account until the offer to cure the default about {$6000.00} in XX/XX/XXXX. They are ready to repossess the vehicle, XXXX trying desperately to come up with the money to avoid a car repossession, due to the reporting to the credit bureau since about the charge off my XXXX XXXX has dropped by over XXXX points, I have few options. I felt like I was not treated fairly by Santander XXXX or XXXX XXXX. XXXX trapped in an impossible situation.
Product: Credit reporting or other personal consumer reports

Equifax is the issue Ive been reaching out to them since XX/XX/XXXX concerning inquiries on my credit report Ive sent documents proving my identity and a statement on the inquiries thats on my report they said to reach out to those companies I have no knowledge of also stated to them Im going through identity theft my information was exposed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nothing has been resolved
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

XXXX XXXX
Product: Debt collection

Credit Corp solutions a debt collection company sent a notice to I the consumer in regarding a debt allegegy owed to this corporation. 

XX/XX/2022 Credit Corp Solutions was sent via certified mail an Affidavit of Truth along with violations committed under the FDCPA and an invoice for remedy for the total damages they committed on their behalf Credit Corp Solutions allegegy states I owe their company {$5900.00}