23daVinci/CFPB_Complaints huggingface dataset:
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 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONE MAIN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this company has refused to fix or verify the debt told to " XXXXXXXX XXXX '' refuse to follow the fora
Product: Checking or savings account

I contacted pay pal as there are 6 transactions that are unauthorized on my debit card. They stated that the account holder tied to my card is not my name and could not give me that information and in order to file a dispute I have to file a fraud claim with my bank. I called my back on XX/XX/year> 6 additional XXXX charges in larger amounts that I was unable to add to my initial fraud claim. The additional charges consisted of IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recieve an email that they denied my claim based on activities on my account I have never made any transaction with XXXX prior to XX/XX/XXXX and all XXXX transaction of smaller amounts I reported as fraud. My bank Navey Federal did nothing to truly investigate my claim. I have had fraud before that they automatically deny they do not do a through investigation nor do they request documentation nor called me to ask futher question so I can prove my claim. Navy federal does not like to do their Job they auto deny all claims when it comes to debit cards there policy of XXXX fraud liability is false advertisment when opening an account they never help. Im tried of loosing money when fraud occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ AFFIRM INC ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

EXPERIAN HAS ALL MY INFORMATION WRONG ON ITS WEBSITE, I DONT UNDERSTAND WHY A THIRD PARTY HAD ALL MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. When I was married and lived in XXXX my then wife took out a title loan  without my permission or signature. We have since divorced and the vehicle was awarded to me in the divorce. The loan was not paid off and I still have the truck. I have been trying to get Titlemax to give me the title out right or let me offer them a reasonable amount to secure the title. The loan was for {$5000.00} yet they charged {$20000.00} in interest. We paid about {$3000.00} towards the loan before the divorce. I just found out that titleMax was in a class action lawsuit in XXXX that ruled in the favor of the consumers yet I can't seem to get any information from TitleMax to assist me in either the class action lawsuit or getting my title without paying them {$20000.00} for a XXXX XXXX XXXX. Depending on who I speak to when I call I am not given any information because I am not listed on the loan ; they say they can't talk to me. They can clearer see that I am a co-owner on the title but they still won't help me. Can you please help me get some answers.
Product: Credit reporting

their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment
Product: Checking or savings account

On XX/XX/22 I deposited a check that turned out to be fraudulent from a scam. I was told I was hired by a company called XXXX to work from home and they sent me a check for what was supposed to be for a laptop with software on it to perform the position from home. Once the money hit my account, the scammer told me to XXXX and XXXX XXXX  people and then my KeyBank account was restricted due to suspected fraudulent activity. I have made a police report to record to incident and KeyBank is not doing anything to reimburse the money that shouldnt have ever been deposited since it was fraudulent. Im now out the money I had in my checking and savings account.
Product: Money transfer, virtual currency, or money service

I place an order an international wire transfer, amount of XXXX euro, on XX/XX/2022 to XXXX XXXX  XXXX. Beneficiary did not received the fund until XX/XX/2022 I did take Action1 : I placed a recall ( getting money back to me ) thru Bank of America on XX/XX/2022 Action 2 : I placed call to Bank of America Foreign Exchange Wire Investigation Department ( XXXX XXXX XXXX ) multiple times Action 3 : I visited Bank of America Branch ( Manager XXXX XXXX XXXX ) located in XXXX XXXX XXXX XXXX XXXX, CA XXXX twice to resolve this matter. 
I also emailed him twice and call multiple times, however, no luck to get hold of him. 

Action 4 : At last, today I reached out the Bank of America Foreign Exchange Wire Investigation Department and spoke to XXXX XXXX. She was extremely rude and unhelpful. She was scolding me that I was not listening to her.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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

I received a moving violation ticket in XXXX of 1997. I went to court and paid the ticket. I don't have specific proof, as this was 27 years ago before everything went online. I was contacted today by a debt collection agency, Coast Professional Inc, telling me I still owed on this ticket. I honestly thought this was a scam. I called the City of XXXX in Colorado and asked them about it. I was told last month the city attorney 's office sent all supposed unpaid debts to this collection agency, even though this far surpasses the 20-year statute of limitations on collecting debt in Colorado ( from my understanding ). First of all, I paid this ticket 27 years ago and they are claiming I still owe it. Secondly, this seems unethical and potentially illegal for a city attorney to submit supposed debt this old with insufficient records to a collection agency this many years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681.

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX identity theft ) Has Violated my rights. 
*15 U.S.C . 1681 Section 602 A. : States I have the rights 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. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.
Product: Vehicle loan or lease

The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.
Product: Checking or savings account

My paycheck was deposited early on XXXX and wasnt in the bank. I found out since Wednesday XXXX deposits havent shown up. 
Late on XXXX my deposit showed and then today XXXX it disappeared no contact from the bank except a banner on app. 
This is totally unacceptable behavior for a bank
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting the account listed as XXXX account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hello, on or around XX/XX/20, I applied and was approved for an Apple credit card with a credit limit of {$8000.00}. I activated the physical card on or around XX/XX/20. I used the card XX/XX/20 & XX/XX/20. On XX/XX/20 I went to use my card and was declined to my surprise. I had a total balance owing of {$33.00} and a credit limit of {$8000.00}. On XX/XX/20 I opened up support chat ( via text from my XXXX ) with Apple/Goldman Sachs support. I explained my credit card/wallet on my XXXX showed my account as being under review. I was not given any explanation except its being reviewed. I then called Goldman Sachs customer service and asked the same question why my account was being reviewed. I had just opened the the account. I was told they did not know and that they have a separate dept that handles the reviews. I asked to speak with that dept and was told I could not. Someone??? would be in contact with me and apologized for the inconvenience. My account now shows restricted. I called Goldman Sachs customer service on XX/XX/20. Was again told the same thing. I asked to speak with a supervisor. The supervisor said the same thing. Im confused as to how/why I was approved with an {$8000.00} limit. Ive not done or changed anything and my account is restricted. They are approving credit applications upfront and then running credit checks???? I have excellent credit, 0 % DTI, 6 figure income. Absolutely no reason for this. I do not want this suspension to affect my credit rating. If the credit issuer freezes your account, your credit report my indicate a CLS notation to the account-a code that stands for credit line suspended. I am not going to be happy if my credit is affected due to no fault of my own.
Product: Debt collection

Vehicle was repossessed then reclaimed with payment, and repossessed again after financial commitment to repay balance on vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry for a home placed on my credit report using all my information that I did not submit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of accounts on my credit report. This is a clear error and needs to be promptly rectified. In compliance with the law governing accurate credit reporting, it is imperative that these inaccuracies are addressed immediately. Reporting accounts with incorrect balances not only violates legal standards but also harm the integrity of my credit history. 

Specifically, the following accounts are affected : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. 


I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to remove the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

There are inquiries on my report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reports account incorrectly. Account was opened fraudulently.
Product: Mortgage

Hello, I am submitting a complaint for resolution against my lender XXXX XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX First of all I, XXXX XXXX is submitting this complaint and not a third party on my behalf. pls contact me at XXXX XXXX XXXX or email XXXX if need further verification- call me or email. I have received emails from my lender on XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX as well clearly stating that if I reach out to them they my lender will go ahead and extend 90 days forbearances which will expired XXXX. In XXXX, I tried to contact my lender and overnite request on XXXX to extend the forbearance per their emails - proof attached. I was able to speak with my relationship manager, XX/XX/XXXX. My relationship manager, unfortunately, informed me on a recorded line The lender will not honor the email that was sent out on XX/XX/XXXX and XXXX -- - PROOF ATTACHED- that clearly states if I called, they will extend forbearance. I was also not informed in writing or via email that after XXXX  months they will never give an extension. this email contradicts the phone conversation that I had with the relationship manager. I believe the lender shall not be allowed to send misleading emails to borrowers at this time that we are all struggling due to job loss and health issues. the email is a part of my complaint it is confusing it is not clear and it is misleading. Please read the letter below my lender will not give me access to my account via the Internet, I have to call my relationship manager directly I am not sure what is the reason for cutting my access to my documents. I NEED XXXX DAYS I am XXXX  and going through a divorce as well. I can proof my Hardship do to XXXX  as well in court. 


-- -- - Forwarded Message -- -- - From : Relationship Manager XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX XXXX  PDT Subject : Important Account Information Dear XXXX, Please be advised that your COVID-19 forbearance plan will end on XX/XX/XXXX. Please contact us using the phone number listed below should you wish to extend the plan. This account has been assigned a Specialized HRD Escalation Agent as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact ( XXXX ) XXXX to speak with the Specialized HRD Escalation Agent, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday 9:00 AM 6:00PM ET
Product: Debt collection

I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center is reporting that " other-not-at-fault '' on a XX/XX/2020 accident, when the other was at fault, ran a red light, I was the only driver who had a right of way to be in that intersection. I received no citation, and I suspect the other driver who ran the red light did. His insurer XXXX paid for the accident and reimbursed me my deductible to further corroborate I was not at fault. 

So, when my renewal came up in XX/XX/2020, I wanted to swtich to XXXX and from XXXX with whom I've been for the last seven years. XXXX gave me a quote of {$590.00}, but then changed it to {$1200.00} when they saw this erroneous credit report from Lexis Nexis. They explained the adverse decision was due to the report. I'm stuck with XXXX paying a higher rate of around {$770.00}. XXXX agrees with me that the XXXX accident was clearly the other driver 's fault as there are no surcharges on my end at all from that incident. 

Lexis Nexis purportedly has no one to answer its automated phones, I'm stuck in the seventh circle of XXXX over there trying to get them to get this off my credit report or do an accurate report of what occurred. And I'm losing valuable time trying to fix something I shouldn't have to fix based on some data entry person 's erroneous assumptions from who knows what sources. 

Help. XXXX XXXX
Product: Mortgage

I have an agreement with the mortgage company to start payments in XXXX and credit score will not be affected. According to my Credit file/ report my credit score have dropped. This was not the agreement