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

Experian and XXXX is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as EXPERIAN and XXXX IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked Experian multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked Experian XXXX XXXX to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. Experian and XXXX has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. 

These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Please advise Experian and XXXX to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

Disputed debt as collection agency ( XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXX XXXX XXXX XXXX  is {$150.00} and the original creditor is XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXX I bought furniture from Rooms-To-Go. The sales person misled me and asked for my date of birth, income, and social security number. A month later I got a credit card in the mail from Synchrony Bank when I did not agree to or sign for a credit card. I called XXXX XXXX, XXXX to cancel the credit card and was able to. I still want to complain about XXXX and Synchrony Bank about the unauthorized used of credit.
Product: Money transfer, virtual currency, or money service

We have been declined XXXX to XXXX times regarding the fraudulent transfer of funds through XXXX. I filed complaints through XXXX as well. The phone numbers are now all blocked on XXXX due to fraud. 
My bank fraud number last rejected is # XXXX. I have requested their documentation for the investigation, they have not provided the information. 

Here was the issues ; On XX/XX/2021, their was XXXX transactions which were fraudulent scam, the parties disguised themselves as XXXX, which they were not. The information is as follows that I received XXXX value from : XXXX. ( XXXX ) transactions in the amount of XXXX to XXXX XXXX XXXX phone number XXXX ) disguised as XXXX XXXX, totalling {$2100.00}. 

XXXX. ( XXXX ) transaction in the amount of {$660.00} to XXXX XXXX XXXX ( phone number XXXX ) disguised as XXXX REFUND Police report was filed immediately the same day with XXXX XXXX Police Department, where I live, the case is now with Detective XXXX. His investigation has turned up with many aliases to these scamming parties. The police Detective was also reached by the same scammers personally to get access to his accounts. I did not receive any products or anything from the transactions. 

FDIC reviewing a bankEvery fraud transaction is applicable to XXXX XXXX regardless of who pushes the button. 

Unauthorized Electronic Fund Transfers and Error Resolution, Question XXXX, electronic fund transfers ( EFTs ) initiated using account access information obtained through fraud or robbery fall within the Regulation XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} CONNS XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

i prochisted XXXX transactions XXXX XXXX XXXX NY XXXX XXXX XXXX ACH CREDIT BALANCE REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX i paid everything before i left the country now they are accusing me for late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

TWO ADDRESSES ARE INACCURATE, AS REPORTED BY TRANSUNION AND XXXX INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXX, NY XXXX **THIS IS A POST OFFICE, I NEVER LIVED HERE NOR HAVE I UPDATED MY ADDRESS TO THIS ADDRESS INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX PLEASE UPDATE TO CORRECT ADDRESS BELOW, AS INDICATED ON DRIVERS LICENSE AS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX
Product: Credit reporting or other personal consumer reports

I have sent several disputes to Experian in reference to the negative account reporting on my credit and they have failed to take any actions I generated these letters and sent my ID, social security number and proof of address and this company still failed to investigate this matter. I will send all documentation that I sent to this company regarding this matter on since XX/XX/year> XXXX
Product: Checking or savings account

My name is XXXX XXXX and last XXXX Acct # XXXX. My complaint is about fraudulent charges from Huntington and XXXX. On XX/XX/XXXX I had {$2000.00} deposited into my account. The same day, {$1900.00} was spent on XXXX. I was at training and only get my phone every so often and didn't see this deposit or purchase until XX/XX/XXXX when I called and filed a dispute. The same day credits were issued and on XX/XX/XXXX and XX/XX/XXXX, {$1000.00} a day was XXXX to the SAME exact person who I disputed the {$1900.00} with. So my account should've never been able to send that person money again and especially my money they'd already just stolen from me. After I called and disputed I turned my phone back in and didn't see I had been issued credits or that they'd been spent the same day. I got my phone back and noticed XXXX and filed a dispute, I was told because they used XXXX, XXXX had their own dispute department to review it and I'd hear back within 10 days. After 13 days I called and was told my claim had been denied. No reasoning was given and I didn't receive written correspondence in the mail like I was told, within the first 10 days or since. No dispute forms or no explanation of denial letter. Nothing, just told no over a call and {$2000.00} lost. 
My location alone shouldve been proof enough the purchases weren't made by me. This is absolutely ridiculous and has gone on for too long and for too much of an amount to have had stolen and my own financial institution doesn't help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX for information regarding my debt. They stated I owe around {$7000.00} and now with interest it has come close to {$11000.00}. Being that I believed that was incorrect I asked to specify to me the exact amount of months I owe. Into which the XXXX XXXX XXXX could not provide the exact amount of months I owe, all they have is an amount the original creditor said I owe. Which to me seems outrageous that a company can just say you owe whatever they say and they can stick it on to your credit without any pushback. So this is me pushing back. Like I stated before I am not avoiding responsibility, on the contrary I would like to settle this, but without the proper account of the exact months I owe and for them to bluntly lie about the month I left is horrendous to me. I at the maximum owe them 3 months of rent from XXXX XXXX XX/XX/XXXX. I was gone by XX/XX/XXXX like they requested and they are wanting to add an extra 2 months that I wasnt not there for anymore.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
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 Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Consumer Loan

This problem begins with a *non-driver fault* failure of several components on a brand new leased Honda Crosstour EX-L which resulted in a 5 day stay at my dealer 's shop. 

This also followed a former 3 day stay at the dealer for a XXXX AirBag recall, and a 1 day stay for failure of center console latch and driver 's side door panel. This car has approx XXXX miles on it. ( This complaint wo n't even XXXX with the three day stay. ) During this latest incident, of " 5 Day Stay At Dealer '' I had to get a rental car and had to pay the gap insurance on it and the gasoline as well. After all Monday Through Friday without a car is tough. 

With the above said, I 've also ( additionally ) spent many hours the past two months trying to get payments posted on Honda Financial Services site, or figure out WHERE my payments went. Thousands of others are also dealing with that as well. 

*** This is n't how driving a Honda used to be. *** BUT WAIT, IT GETS WORSE ... 

I contacted Honda Financial Services to simply inquire about pro-rating the days out of my monthly payment during my most recent 5 day car-less period. I mean why pay a full month on a leased {$38000.00} automobile when a month is 25 days? I was n't sure they could do anything, and doubted it even, but I thought it would n't hurt to ask. 

The prorated amount is a measly {$60.00} ( 5 days worth of the month 's lease payment. ) XXXX has 29 days this year, for those checking my math. 

- I did n't ask for XXXX insurance reimbursal - I did n't ask for gas reimbursal - I tried to contact HFS MANY times, " All Circuits Busy, '' long hold times. 

I finally got thru and INQUIRED as to whether a pro-rate was something that could be done to make amends for a leased car that is sitting at the dealer, unable to be used. 

The Response? 

Honda Financial was WAY more concerned that I was potentially recording the call, even though they were recording mine. I was hung up on once, and only after agreeing to not record them I was then told there was nothing they could do, as they recorded me. 

The representatives are nasty, the do n't represent the Honda brand I once held highly. 

Look, this is n't a driver-caused problem. This is a customer forcing a business to treat all customers at least with RESPECT. 

Honda is having quality issues, specifically with Accords and Crosstour 's electrical components. Honda Financial Services is also having electrical problems it seems too ... as no one can post payments or get thru. 

I 've leased cars from other companies that would have gladly helped - they 'd given a demo car to drive, they 'd re-imburse, etc. It amazes me that car brand like Honda has de-evolved like this. 

In the end, Honda 's quality will be fine ... it is Honda Financial Services that may end up bringing Honda sales down as word spreads on social media. 

DO NOT LEASE FROM HONDA - GO TO YOUR BANK!
Product: Checking or savings account

The notification message from Wells Fargo informed me that the three transactions had been declined and the merchant had not withdrawn the funds from my checking account. 
But my checking account was actually charged by the merchant for these three transactions that I did not authorize. 

Wells Fargo provided me with false transaction information, which resulted in the theft of funds from my checking account.. 
Wells Fargo did not protect my bank account from being compromised, refused to process the incident for me, and closed my checking account without authorization. Caused me serious losses. 

Please ask Wells Fargo to compensate me for these three charges as well as the loss cost of closing the account.
Product: Debt collection

Cascade continues to harass me by selling a disputed debt ( XXXX ) to other debt collection companies, since XX/XX/XXXX, which includes XXXX, XXXX, XXXX XXXX, and most recently XXXX. ( see attachment of all disputes made to CFPB and the AG ) {$960.00} - XX/XX/XXXX All companies Cascade has hired were put on notice by several regulatory agencies including the CFPB/OCC/XXXX about my dispute and the lack of information provided as I do not owe on this debt. 

All have reported back to Cascade - including the 3 CBR companies -but I am continued to be harassed and harmed by their lack of evidence AND their failure to comply with the dispute and the regulatory agencies.
Product: Money transfer, virtual currency, or money service

Hello. I had BinanceUS account for transferring using and trading money since XXXX. Suddenly on XX/XX/XXXX after I received {$16000.00} in XXXX XXXX deactivated my account without any reason. In that time I already had {$3000.00} in my account plus I have received XXXX equal to {$16000.00}. I have tried contacting with them. Created tickets waited for their response after 6months waiting, they send me email ( Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use the Binance.US platform. Unfortunately, we can not elaborate further. ) They didn't say why account was deactivated at the first place? Why account closed? AND NOTHING ABOUT RETURNING MY ASSETS MY MONEY BACK. All I want is my money back from them. Please help me out to solve this issue. I would highly appreciate it.
Product: Checking or savings account

my tenants XXXX XXXX and XXXX XXXX paid me a check for the rent which i deposited to JP Morgan chase bank on XX/XX/2019XXXX amount of the check is {$830.00} and {$240.00}. On XX/XX/2019 chase told me that the check was returned unpaid. chase did not credited my account the amount of check deposited. So i went back to my tenant to collect the unpaid rent, my tenant went to XXXX  XXXX XXXX to find out what happen and they said that they paid chase bank. until now we don '' t know were the money is. Iask chase, they don '' t have the money, my tenants ask XXXX  XXXX XXXX and they said they pay Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
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.

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU GOD BLESS
Product: Mortgage

I reached out to Fay Servicing to secure a loan as I struggled to pay for my home. Despite having poor credit, they recognized the equity I held in the property. However, they never inquired about my ability to repay the loan, which I believe is crucial in any lending institution. My mortgage was about {$450000.00} at the time, yet the loan they provided escalated to {$750000.00}. They labeled it a XXXX XXXX, stating that XXXX XXXX would make the 12 months of payments before my loan was due. Additionally, the imposed an exorbitant fee of {$100000.00} interest at 7.5 %, which was never explained to me along with {$49000.00} impound/escrow fee intended to pay my XXXX and XXXX taxes that were not paid. The lack of transparency is concerning, and they failed to explain it. They were more interested in my equity and not my ability to pay. As of XX/XX/XXXX, I am now in default. I have been trying to call them, and they said they could give me another XXXX XXXX for {$9000.00}, which is ridiculous as I do not have that. I am looking at a foreclosure any day now, and I am forced to put it up for sale asap. In XX/XX/XXXX, they told me they could no longer help me with a new loan as my credit was bad. They also said they will help me with my credit so I can again apply for a new loan with them.
Product: Credit reporting or other personal consumer reports

I was told that multiple hard credit checks ( shopping rates for purchasing a home ) within 30 days wouldnt damage my credit score. I decided to be thorough and had XXXX credit checks for mortgage rate shopping from XX/XX/XXXX to XX/XX/year>, and this caused my credit score to drop significantly. I was told that this wouldnt cause my score to drop. And I am trying to close on a house this month!

Also, I have paid off my credit card debt, but the debt is still showing up on my credit report, and is still damaging my credit score. I have never had my credit score be below XXXX until now ( now its only XXXX! ). If I dont receive help from these credit companies quickly, I might lose the home Im trying to get. Please help me with this.