23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Product: Checking or savings account

Details of the XXXX : In XX/XX/year>, I opened a new XXXX  account with Wells Fargo under a promotion that promised a {$300.00} bonus for new accounts, provided that certain conditions were met. These conditions included making qualifying XXXX  deposits totaling {$1000.00} within the first XXXX days of account opening. 

Actions Taken : I opened the checking account online in XX/XX/year>. 
I deposited {$1000.00} into the account via qualifying XXXX  deposits in XX/XX/year>, well within the XXXX period. 
Despite fulfilling all the conditions outlined in the promotion, I have not received the {$300.00} bonus. When I contacted Wells Fargo customer service, I was informed that the promotion had ended, and I was not eligible for the bonus, despite having completed the necessary steps within the required timeframe. 

Impact : This situation has caused me significant frustration and has led me to question the reliability and transparency of Wells Fargo 's promotional offers. I believe that I am entitled to the {$300.00} bonus as per the terms of the promotion that was active at the time of my account opening and deposit. 

Requested Resolution : I am seeking the immediate issuance of the {$300.00} bonus that was promised as part of the promotion. Additionally, I request that Wells Fargo reviews its promotional practices to ensure that customers are not misled or denied promised benefits without valid reasons.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I discovered incorrect entries on my credit report this morning and I am clueless about the reason. Upon my routine check, these discrepancies appeared unexpectedly. I tried refreshing my browser to see if it was a glitch, but it wasnt. The inaccurate entries remained after refreshing. Due to this issue, I request a thorough review of the documents Ive sent so I can avoid future worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on more than one occasion to dispute the verbiage on my credit report. Equifax refuses to change it despite my efforts. XXXX, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. Equifax need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/XXXX, Equifax states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX  XXXX  opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is home choice i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of my account.
Product: Debt collection

I had a debt that was issued by the Ohio Attorney General 's office for a school debt. This debt was handed over to the Law Officed XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX Ohio. 

I was contacted XX/XX/XXXX about the debt and immediately arranged payment arrangements. 

I 've been making payments as agreed on time since XX/XX/XXXX on the balance owed. Repeatedly during that 1 year time frame I receive calls at least once a month despite " making my payments like clockwork ''. 

In XX/XX/XXXX the USPS lost a priority mail payment and i did my due diligence and contacted the debt collector inquiring about the lack of received payment and gave them a payment over the phone. I also instructed them to NOT cash my first check if it finally showed up. They proceeded to cash the check when it arrived 10 days later anyways but my bank resolved that. 

Today, in XXXX, i received a call at my job from a different rep demanding I double my monthly payments or be sued and have my wages/taxes garnished. 

The threats continued thru this conversation despite the rep, XXXX XXXX, agreeing that i 've made " all my payments like clockwork '' in accordance with my payment arrangement. Some of the threats made by the rep, were in her words, on behalf of the Ohio Attorney General. 

I do n't know what is legal in this regard but if I 'm adhering to my payment arrangement then I should n't be receiving calls at my place of employment demanding I double my payment or face a lawsuit and wage garnishment.
Product: Credit card

This issue involves Chase United Miles Visas. I was a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX required me to be a signer on their Chase checking account, I was only a signer for a few months in total. 

This company had their checking accounts closed because they were deemed affiliated with the XXXX  industry even though all they did was XXXX XXXX XXXX XXXX XXXX XXXX XXXX agricultural producers. With no notice, I had my long-standing personal chase credit card account, which I had for over 10 years with a credit limit of $ XXXX, closed down because I was affiliated with that company 's checking account, even though I was not an owner, never signed a check, nor did I have any personal affiliation with an illegal industry. 

Fast forward 7 years later, I recently applied for in XXXX of XXXX  a new Chase United Mileage visa card. I Was issued the card with an $ XXXX credit limit. I have excellent credit in the XXXX range and use the card for normal charges like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was just given a notice that 3 months after opening the account Chase has decided to close this new card " because of your association with a Chase credit card, deposit, or investment account that was previously closed. '' I tried calling Chase to see why they have blacklisted me and if there is anything I can do to prove to them that I am just a normal person who owns an accounting firm and is no longer affiliated with that company. I really would like to use a United Mileage Plus credit card and am incredibly frustrated that they have deemed me to be some unsavory account holder. 

I am seeking assistance with contacting Chase to see if they can review my account and consider me as a customer again.
Product: Vehicle loan or lease

Now comes XXXX XXXX, pursuant to the underlying case as to the Consumer Financial Protection Bureau v. Credit Acceptance Corporation, Case No. XXXX XXXX, XXXX. The CFPB, XXXX XXXX, has brought action against CAC for obscuring the true cost of its loans to its car buying customers and cutting back room deals with its affiliate car dealerships to increase their profits. XXXX XXXX asserts that he was and currently is a recipient of these unlawful acts committed by CAC and files this complaint while adding the XXXX XXXX XXXX. As CFPB 's suit asserts regarding CAC 's New York customers, XXXX XXXX is asserting the same happening to him in Maryland with three retail installment loans, two priors and one current. The first one was a XXXX XXXX XXXX sold by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ; APR 22.99 %, Finance charge {$5100.00}, Amount financed {$8800.00}, Total of payments, {$14000.00}, Total sales price $ XXXX {$15000.00}, Payments {$400.00} @ XXXX payments beginning XX/XX/XXXX. Second contract, XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ; APR 22.99 %, Finance charge, {$12000.00}, Amount financed {$15000.00}, Total of payments {$27000.00}, Total sales price $ XXXX {$29000.00}, Payments {$420.00} @ XXXX payments beginning XX/XX/XXXX. And currently, XXXX XXXX XXXX sold by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : a XXXX search says this company is temporarily closed ; moreover APR 22.99 %, Finance charge {$10000.00}, Amount financed {$14000.00}, Total payments {$25000.00}, Total sales price # XXXX {$27000.00}, Payments {$410.00} @ XXXX, XX/XX/XXXX, XXXX all three contracts had XXXX XXXX XXXX  connected who did not honor their part of the contract. For example when XXXX XXXX 's current car needed his motor replaced which was totally covered by them, but they made him pay {$3000.00} and they paid the rest. This was money he did not have but had to borrow. However the results of these actions is nothing but fraud of contract which made and is making XXXX XXXX pay exorbitant cost for vehicle ( s ) beyond the dealership price and value. Moreover, CAC is making additional undisclosed money between the finance and credit sections beyond XXXX XXXX affordability thereby increasing their profits. This action violates Maryland 's usury laws. And again CAC is still doing it as XXXX XXXX continues to pay them a weekly {$120.00} toward his {$410.00} monthly payment. As a result of CAC 's fraud and deceit and other illegalities, XXXX XXXX seeks monetary relief of XXXX XXXX dollars for disgorgement of unjust gains they made and is making from all three of his Installment contracts. Additionally, he seeks to only pay the dealership cost of his current vehicle of {$10.00} and put the {$3000.00} deposit toward it which results in a balance of {$7000.00} owed and decrease his payments accordingly. Respectfully Submitted.
Product: Credit reporting or other personal consumer reports

I pay XXXX XXXX monthly to XXXX for a premium service. In XXXX 2024 I was alerted a change in my XXXX score went from XXXX to XXXX. An account not belonging to or opened by me had gone to collections. Part of the service is Experian alerts me if any changes, new accounts, personal information on the dark web banking activity, car loans, and credit card activities show up on my credit monitoring. Nothing new I hadnt known about. One day an alert tells me my SSN is compromised on the dark web. A few days later Im alerted about an account Id never heard of was in collections. Theyre supposed to notify me of any new accounts opening. They didnt because it never was on my credit report, for good reason. They deleted it from my credit report within days. Evidently someone used my SSN and my ex- wifes email to open it. 
In XX/XX/year> the same exact thing. Same creditor, same XXXX XXXX XXXX amount, but a different collection agency was bringing my scores down. Which never went back up completely. I explained to them this is the same thing that happened 6 weeks ago. They said theyd investigate. Every 4 days Id get an alert saying your case has been updated. I log on but nothing is changed. Another call to a XXXX XXXX who tells me they have 30 days to respond. In other words there has been no investigation into this, even though it just happened 6 weeks before. Every 4 days its XXXX speaking to a XXXX. It has been 30 days or it sure seems so. I have to do this with all three Credit bureaus Respectfully XXXX XXXX.
Product: Vehicle loan or lease

At least a XXXX XXXX XXXX on XX/XX/XXXX. In my lease contract it shows there is a disposition fee at the end of your lease term if you do not purchase the vehicle or lease another vehicle from this manufacturer there will be a fee of {$590.00} that I agreed to back then. Like the 15 or so other General Motors vehicles that I have least over my lifetime I agree to this fee because I knew that I would always be getting another General Motors vehicle. In XXXX the world was struck with the pandemic all of the plants were shut down and vehicle production was halted. Because of this shutdown and production halt there were no vehicles available at the time when my lease was to be returned. I called multiple dealers in multiple cities from XXXX to XXXX to XXXX and there was no vehicles available in the full-size SUV class that I must drive due to my family size. In addition to the pandemic and low inventory in the full-size SUV category GM launched a new model year which made inventory even more scarce. I proactively tried for months before my lease term came up but there was no inventory on the market and there was a waiting list for all full-size vehicles from 6 weeks to 90 days. Due to this situation I wasn't able to grab another General Motors vehicle I was forced because there was no inventory to shop from another manufacturer. 

I feel I am wrongfully being charged a {$590.00} disposition fee because General Motors went into contract with me stating that they would provide me with another vehicle at the and of my lease term but in this situation because of all the factors explained above there were no vehicles available and General Motors did not hold up their end of the bargain. Now I am being threatened that my credit will be destroyed if I do not pay for a service that General Motors was not even able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the accounts XXXX XXXX XXXX  and XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove these accounts for not complying with FCRA reporting. 
XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$120.00}