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

I would like to start out by saying that this has been a long on-going process with US Bank as our account with them was apparently opened in XXXX ; according to their records. About three years ago my wife asked me what the charges were from and who opened the US Bank account. I told her I thought she had opened the account/credit card and she said no. I explained to her that I don't remember opening the account and don't remember ever using their credit card as we had canceled/closed the account several years ago when my wife started questioning who opened the account. 
Around the XXXX of XXXX, XXXX my wife asked me to call USB and inquire about the charges and who opened the account. NOTE : my wife has been calling USB on and off for at least for the past three or four years asking them the aforementioned questions but they would not communicate or discuss the account as her name was not the person that opened the account -- they said it was me but they never indicated that all she had to do was put me on the phone and I would give them permission to talk to her. So, I called them and ask them to provided me with a list of the charges with dates and to send me a signed copy of the application of the credit card with my name on it along with the charges. 
The first lady I spoke with was very nice but after looking everything up she could not find anything except we had supposedly opened the account around XXXX. She said I had to talk to a different department and put me on hold. 
Next up was a gentleman that said he could see the charges but didn't know what they were for and I said fine but could he send me a list of the charges along with the dates plus my signed application and he said he would do. -- -- I have yet to receive anything except a letter saying that if we believe our account has been compromised we needed to contact their Fraud Department and submit an inquiry. 
They provided the phone number and I called them. After speaking to them and going over all this the folks at the fraud department said they would investigate the claim and get back to us. 
About two weeks later we received a call from them with the lady saying she didn't see any fraud as we have been paying on the account for the past ten years and we had opened the account because that's where the bills are being sent to. I asked her to provide me with the signed application document and she said that it had all be done online. I asked her did the company not require a signed application and she did not answer, just saying that the bills were coming to our address and that was it! 
It is of my belief that this company has committed an act of fraud as they can not provide me with my signed application or any charges that have been made. We have paid this company at a minimum over {$6000.00} during the past 10 years and I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2023 without prior notice. According to Wisconsin state law, the lender is required to provide a 15 day notice prior to repossessing the vehicle. Hyundai Motor Finance did not provide a 15 day notice. My car was also damaged during the repo process. I filed bankruptcy, but the case has since been dismissed. Theyre threatening to repossess once again, but I have received no 15 day notice once again or anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed Lexis Nexis case # XXXX in XX/XX/2022 in regards to an unverified bankruptcy on my credit report. This delinquent account is also reporting on my XXXX credit report. I called LexiNexis today ( XX/XX/2022 ) and was told that the dispute was still in progress and it has been over 30 days from when I disputed it. I also have a letter from the courts stating that they do not report to credit Bureau. The federal law requires them to respond within a 30 day window and they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I attempted to get my credit report from Equifax by logging into my online account on Equifax website and also through XXXX. I also called Equifax when prompted and they continued to refuse to issue me a copy of my credit report.
Product: Money transfer, virtual currency, or money service

I purchased from a merchant online. I didnt receive a confirmation email of the order. The sales tax wasnt added to the total.The phone number is fraudulent on the website Cashapp will not reverse the payment in fact they made me wait until the transaction was no longer in pending status to say theres nothing that can be done. 
Th merchant is https : XXXX.
Product: Credit reporting or other personal consumer reports

2023 I was reviewing my credit report when I noticed a new inquiry from a XXXX XXXX for a automobile for XXXX I filed a dispute. 30 days goes by the inquiry was deleted. I was sent a letter stating so. A few months go by I went to check my credit again. The same inquiry from XXXX XXXX where back on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

there is an inquiry on my credit report from a companythat i dont recognize and they did not have my written consent to do so and are in violation of 15usc 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and continually tried to gather a credit report/score from BOTH XXXX  and TransUnion with no success. Both of these websites are down and in XXXX case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. Bank of America noted in several documents within the case that only one inquiry was sent to XXXX on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to XXXX today and they're still claiming they show two inquiries from Bank of America on XX/XX/XXXX on my file. XXXX was not helpful in providing documentation of this only to tell me Bank of America needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXX, PA, XXXX XXXX also told me I needed to send a letter authorizing XXXX to remove an authorized inquiry from Bank of America. XXXX gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my XXXX file asap. 

Thank you. 
XXXX
Product: Debt collection

In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.
Product: Debt collection

I was recently made aware of two accounts ( account numbers : XXXX and XXXX ) allegedly owed a debt that are being reported by Financial Data Systems LLC. I sent Financial Data Systems LLC a certified letter requesting that they verify both debts on XX/XX/2021. The letter was delivered to Financial Data Systems LLC on XX/XX/2021 by USPS certified mail. I have not received any response whatsoever from Financial Data Systems LLC in over 30 days. They have FAILED TO VALIDATE THE DEBTS at my request which is a FDCPA violation and to my knowledge they are continuing to report the disputed debts to the credit bureaus which is a FCRA violation. Ignoring my requests for debt validation and continuing to report the debts to the credit bureaus has caused damage to my character.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Vehicle loan or lease

I have a car loan with Toyota Motor Credit Corporation. 

ALL payments have been made electronically and on time for the last three years. 

I paid two car payments - XX/XX/2021 and XX/XX/2021 before the payments were due. Specifically, I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021, and I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021. 

In or around XX/XX/2021 I received a notice that my car loan was 30 days overdue and I paid another loan payment on XXXX XXXX, 2021. In total for the two months of XXXX and XX/XX/2021, I made three payments - BEFORE they were due. None of those three payments have been properly applied to my account and remain pending. Their electronic system acknowledged the payments - but indicated the payments were pending. Additionally, that system said that they were charging my account extra fees for late payments. 

I called their loan service department to clear up the issues on XX/XX/2021 from my husband 's cell phone XXXX. I attempted to contact a customer service representative. Their system said that they would return my call and hold my place in line. I did not receive a call back. I called them again and the system indicated they were closed. 

The system is not properly crediting my payments, and is incorrectly assessing late charges. It is not clear to me whether they are attempting to take possession of the vehicle - but any such movement would be illegal, and a breach of contract as I have paid in conformance with the contract. They have failed to timely respond to my communications.
Product: Credit card or prepaid card

A card was proactively cancelled and a new card was issued XX/XX/XXXX. A charge was applied with that card which was proactively cancelled on XX/XX/XXXX. Capitol one was not able to provide a phone number or any information to me on the creditor. I spoke with someone on XX/XX/XXXX. Instead of allowing me to dispute the charge again my new card has been restricted. I am being penalized again for something I had nothing to do with. I would like to have my current card remain active without being inconvenienced to cancel that card. Since that card was not the card utilized for the fraudulent charge i see no reason to cancel the card. The Capital One is incompetent and has no regards for customer goodwill. I am being treated as if my business means nothing to them. I want the {$500.00} charged removed, without cancelling my card that was not used for the charge, and I want to have my current card not be restricted. I keep being humiliated with my card being restricted as I attempt to make a purchase. I have been a customer of Capital One since XX/XX/XXXX and I have always paid off the balance in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX .
Product: Credit reporting or other personal consumer reports

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Student loan

My auto payment has failed to process AGAIN and my account is past due. The amount I supposedly own also seems incorrect, probably due to them incorrectly crediting my account for two payments now. It's completely unbelievable that I have to submit a complaint about this AGAIN. I've called them multiple times, been put on hold multiple times, and then HUNG UP ON multiple times. This company is an absolute XXXX XXXX 

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

I opened an account with XXXX on XX/XX/year>. I made a small initial deposit before verifying my identity with a selfie and pictures of my driver 's license. Once verification was complete the following day, I deposited another {$1300.00}. Skrill immediately locked my account and has not allowed me to access these funds since. I have opened 4 help tickets to no avail. Every time I open a case and ask for help, Skrill quickly marks the case as 'resolved ' despite providing no assistance to me whatsoever and keeping my account locked.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX California. The purchase price was XXXX. I had a mechanical issue with the vehicle on or about XXXX of XXXX, and made an appointment to get it taken care of, because supposedly the vehicle was still under warranty. The morning of the appointment, I waited out front of the building until my appointment time, and it appeared that the building was not open, so I went inside of the building, and was told that the dealership was closing as of that day, and the employees were just finding out. Later I see on the news that they were being sued by XXXX XXXX over fraudulent loans. Mind you that I had purchased a vehicle from XXXX XXXX in XXXX and had to file BK and the car was part of that filing. The BK was discharged, because one of the major creditors would NOT sign off on it, and took 6 months to say it. When the BK was discharged I called the lender to see if something could be worked out to resume payment, and was told I would have to pay the balance in full. I am now being sued for the balance of that vehicle because it was repossessed. The day it was repossessed, I went back to XXXX XXXX to get another vehicle, and got the one I have currently. Due to a massive loss of income due to Covid-19, I was falling behind and called the current lender ( Global Lending Services ), to see what arrangements could be made, I was told I could skip one payment, and they would place it on the back of the loan without penalty. I agreed to do that, and made the payment for the following month as scheduled, and found that they were charging a late fee and were not honoring the agreement over the phone, when I spoke to a representative, they couldn't explain what was going on, I asked to speak to a supervisor, was transferred to another representative after being placed on hold for 45 minutes, when they couldn't explain it, I asked to speak to a supervisor, and after being placed on hold for another 30 minutes, was disconnected. I am certain that there is some racket going on with XXXX XXXX and these lenders, I just don't know what it is. Please look into this matter.
Product: Student loan

Navient has now stopped taking credit card payments as of XX/XX/2017. They only except payment through a bank account and debit cards. This makes it more difficult to make a payment if I need to use my credit card one month.