23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.
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.

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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered Aargon Agency reporting on my credit report and since I have never received any notice of me oweing them a debt, I attempted to dispute this account. After various attempts to dispute this account with the bureaus, I followed up with Aargon agency directly on two occasions. I used the creditor contact displaying on my credit report which according to the bureaus, is the same address they used to verify the debt. However, on both occasions, I received my letter back as it was deemed not deliverable as addressed and unable to forward. I will be including both letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my social is XXXX. I have a pep boys account serviced by synchrony bank. I paid my bill on time last month. There was a fraud issue that happened with my bank account 5 days later after I paid my bill and my bank shut my account down. Pep boys then told me they didnt recieve the payment and reported me late. I spoke to customer service about the issue and they waived the late fee but are taking me in circles about reporting my account paid on time. I do not understand this because the person i spoke to didnt know why it took them 5 days to take a payment from my account and they would work on seeing to get my credit profile updated which never happened. I would just like my credit to be fixed. This has caused my score to drop 10 points when I made my payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXXXXXX XXXX XXXX Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was XXXX for XXXX XXXX XXXX XXXX  months of XXXX XXXX They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with XXXX, Experian and XXXX. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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  account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TransUnion Credit Reporting Agency, Request for Blocking Fraudulent Information Pursuant to FCRA Section 605B, I am writing to formally notify you that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the immediate blocking of fraudulent information appearing on my consumer credit report, as provided for under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). I expect that you will take the necessary action to block this information within XXXX business days of receiving this complaint. 

The fraudulent entries in question include the following accounts : Account XXXX : XXXX XXXX with a balance of {$0.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX balance of {$7500.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX balance of {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been falsely reporting inaccurate and misleading information on my credit reports. I want to clarify that I have never engaged in any business transactions with this entity. They have submitted a fraudulent document claiming that I owe them a debt, despite the fact that I have never consented to any agreement with them, nor have they provided me with any capital, funding, or credit in any capacity. 

The presence of these fraudulent accounts has led to multiple hard inquiries and wrongful collections on my consumer XXXX credit report. I do not recognize any of these accounts or the associated collections as legitimate. All of the aforementioned accounts are the direct result of identity theft and fraud. 

To substantiate my claim, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXXXXXX, issued by the XXXX Federal Trade Commission. This document serves as proof that the accounts in question are a result of identity theft and should not be reflected on my credit report. 

I appreciate your prompt attention to this serious matter, and I look forward to your immediate action in rectifying my credit report.
Product: Credit reporting or other personal consumer reports

experian and XXXX both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I chatted with a Customer Service Agent. I had a question about what Cap 1 calls an " interest saver payment ''. It said : Payment due is {$95.00} ; but the " Interest Saver Payment '' due was {$590.00}. I had a recent refund of {$500.00}. So, because of this I was wondering why the {$590.00} was due and not {$95.00} ; as any other consumer would interpret this {$500.00} refund in American Currency made to Capital One as a form of money, therefore count it as a reduction in the amount owed. Going through 2 customer service agents via chat, they both said that the {$500.00} refund goes in as a " credit '' and therefore does not COUNT as a " payment ''. Here 's my question, if that was the case, what would happen if I only owed them {$590.00}, and there was a " credit/refund '' of {$500.00}, would they still require me to pay the {$590.00}? Because, if they would using the same argument, then I would have a CREDIT of {$500.00} AND THEY WOULD OWE ME {$500.00}, which they would have to REFUND AS ... .. AMERICAN CURRENCY. So the argument just seems to be a sneaky and unfair business practice. A refund should count as what it is, currency.
Product: Credit reporting or other personal consumer reports

Friday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and am writing to dispute the following information that appears on my reports from Equifax, XXXX, and XXXX. Please verify or remove the following accounts immediately : XXXXXXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX and XXXX ) Current Balance : {$8100.00} Payment History Issues : Repossession, XXXX days late I dispute the accuracy of this account, particularly the reported repossession and payment details. Please investigate and remove any inaccurate information that can not be verified. 

XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX and XXXX ) Current Balance : {$15000.00} ( Equifax ), {$16000.00} ( XXXX and XXXX ) Payment History Issues : Repossession, missed payments, charge-off I dispute the balance and the payment history reflected in this account. Please verify or remove any inaccurate information. 

XXXX XXXX XXXX Account XXXX : Charged off I do not recognize this lender or account. This account was charged off and reported on taxes, yet I have not received a XXXX form. Please remove this inaccurate information from my report. 

XXXX XXXX XXXX  Account XXXX : Unknown I do not recognize this lender or account. Please remove this inaccurate information from my credit report. 

Additionally, I dispute the following hard inquiries as unauthorized or inaccurate. Please delete them from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I do not recognize these inquiries or recall authorizing them. Furthermore, I never received a product or service related to these inquiries. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I demand that these items be investigated and removed if they can not be verified. I understand that you are required to complete the reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a XXXX XXXX with XXXX XXXX. I was informed that my credit report showed a large amount of credit applications and accounts that are not mine. One report ( Experian ) showed different names and XXXX different social # 's. I did contact experian ... they did remove some, but not all of the entries. I don't know if this is an identity theft or clerical error, but it keeps me from being able to get a loan. I am a disabled XXXX trying to live on XXXX XXXX thus I am unable to pay a credit repair company to handle this matter. Any help is greatly appreciated.
Product: Checking or savings account

I saw on my account the I initiated a closure of my accounts. I did not. When I spoke to bank they confirmed, later changed their reason and stated they decided to close my account. No reason or explanation given.
Product: Credit reporting or other personal consumer reports

Oh my credit report is showing 90 days lateness from XXXX XXXX XXXX. I made my payments on time. This is an accurate. I contact the company directly. They told me I need to handle with the credit bureau. The late payments are in accurate. I request Consumer financial protection bureau to investigate and show me accurate documentations that the credit bureau investigated. I request immediate response and also update my credit file to be correctly from the 90 days payment
Product: Mortgage

In XXXX we reached out to Freedom Morgage ( who holds our FHA loan ) and inquired about refinance rates. After we discussed it, my husband and I decided to sell our home instead of refinancing. It took us 3 months to put our home on the market and 2 additional months to have an offer on our home. We accepted an offer and started moving forward on the paperwork when our buyers morgage company discovered that Freedom Morgage unlawfully against our knowledge opened a case # against our address the following day after we ONLY inquired about rates. The buyers for our home are unable to get a FHA case # assigned to them while there is an active case # on us. I reached out to Freedom Morgage at XXXX this morning and it is now XXXX and they refused to close our case # today, potentionally costing us the sale of our home and the contract of our new home due to it being contingent on ours selling. We were transferred more times than I can count and placed on hold for hours at a time with people who never came back to the phone and never made the call backs they promised. Freedom Morgage has the ability to cancel our case # by simply logging on to FHA connection yet refused to do so. After SEVEN AND A HALF HOURS of being on the phone with them, the BEST they were willing to do is contact HUD and request it be cancelled, but we reached out to HUD and have it in email that that is not the correct way to handle this and that Freedom Morgage was to log onto FHA connections and process this. I have names of most people we spoke to, also have the extension # of the person who never bothered to return our call. I am beyond angry at how horribly they have done business with us. This is the second morgage we have had through them and we will never have another after this horrendous customer service. We did NOT give them permission to open a case # on our property. We were not even notified that they did! Because they were not willing to close the case correctly today, our closing is now delayed and we may lose the contract on our new house due to their atrocious customer service.
Product: Debt collection

I have reached out to the creditor CMRE Financial Services , Inc in regards to this debt w/ no communication of validation. The original creditor is XXXX XXXX XXXX. The amount of the debt is listed as {$80.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed a complaint for the same issue, Complaint # XXXX months ago. It got fixed then, but has now happened again!!!! Your insane XXXX system is ruining my credit rating AGAIN!!!! When are you going to stop using XXXX to affect one 's credit score????? It's your XXXX software that is the problem since it seems to lose all of my accounts every few months which then decreases my credit score dramatically!!! Both XXXX and XXXX show my score as being over 800 but Experian has decreased my score to under Excellent AGAIN after deleting most of my accounts. THIS IS AN EXPERIAN XXXX PROBLEM THAT NEEDS TO BE SOLVED FOREVER OR NEEDS TO STOP MAKING PEOPLE USE IT TO CALCULATE THEIR FICO SCORES!!!!!!!!!!! PLEASE FIX MY ACCOUNT IMMEDIATELY TO SHOW MY ACCURATE FICO SCORE!!!!!!!!!!
Product: Bank account or service

Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX 's to purchase a coat for my son. I used the NetSpend card to make the purchase. I went back to order another coat and, although I used my pin number, NetSpend put a hild on my account which has ALL of my spending money/direct deposit from my job on it. I called them on XX/XX/XXXX and they said that the account will be unlocked in the next six business hours.I then called them on XX/XX/XXXX, after six business hours and they tell me that they are still investigating the account. Everytime I call they put me on hild never to pick up again. I am a single mom and I have no money for food, gas, or for important bills that I have to pay. Currently i am STILL on hold waiting for another agent to pick up. this is VERY frustrating. They have {$640.00} of my money on hold and will not tell me what 's happening with my money.
Product: Consumer Loan

CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.