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.

Account XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX has violated my rights. 

I looked at Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treament of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

an according to the 15 USC 1681s-2 they are suppose to 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: Consumer Loan

Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Debt collection

I have been disputing this account for some time now with Caine and Weiner. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Debt collection

The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than 30 calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) continued to automatically bill our XXXX XXXX XXXX XXXX card ending in XXXX, even though we had cancelled our contract. When the attempts to fraudulently debit funds were denied by our credit card, the charges went to collections ( Affiliated Acceptance Corporation, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX ).
Product: Checking or savings account

Hello I am writing regarding Chase Bank savings account number XXXX and two transactions on my account that were wrongfully reversed in the amount of {$35000.00} and {$16000.00}. 

I am a business owner and a customer deposited {$35000.00} into my chase account on XX/XX/2020 with deposit ID XXXX. Please see attached deposit slip and screenshot of my bank account. I called Chase bank to confirm the transaction was good and that a reversal was not possible before releasing the merchandise to the customer. I was told by Chase that it is impossible for it to be reversed. Furthermore, I went into a chase branch to have them double check everything was good and the associate assured me everything was in order order. 

The customer picked up the merchandise in store which was a XXXX XXXX XXXX, a diamond Cuban chain and bracelet totaling {$35000.00}. 

On XX/XX/2020, I noticed a withdrawal of {$35000.00}. I contacted Chase, I was told there was a fraud and my account was blocked. The bank manager at the physical location was shocked that this would happen but could not offer any further help. I was told to contact customer support. 

Furthermore, I had an additional {$16000.00} balance in my Chase account and when the account was blocked by chase they took that {$16000.00} as well. Totaling a {$51000.00} loss on my end. 

Since XX/XX/2020, I have been in constant contact with Chase and no one is able to help me. I have spent hours on the phone getting bounced from department to department or hung up on. Additionally, I hired attorney, XXXX XXXX XXXX, XXXX, and he also has not been able to get a response from Chase as well. 

What I have gathered from speaking with chase is the customer that committed the fraud had made a deposit with account ending in XXXX from XXXX XXXX to my Chase account. 

This is a very big financial burden, I have many bills to pay and being a small business owner, I can not afford such a loss. Chase should have never cleared the bank deposit if it was fraud and furthermore taken the additional {$16000.00}. 

Please contact me at your earliest convenience to resolve this matter
Product: Checking or savings account

Chime bank has {$400.00} of my money on deposit with them that they acknowledge. I have tried every which way to have it transferred to my bank account. Their stupid app says that everything is hunky-dory, but then they say it isnt. They are a total rip off!
Product: Credit card

I made a purchase with order # XXXX which included the XXXX XXXX XXXX XXXX ( XXXX  ) phone, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. I also sent in my XXXX XXXX, which XXXX valued at {$650.00}. However, after a few weeks of using the new XXXX XXXX XXXX, my XXXX XXXX stopped connecting and I received a notification. I contacted XXXX through email, text, and phone to inform them that I had purchased the new XXXX XXXX XXXX in XX/XX/XXXX to replace my XXXX XXXX. I had XXXX XXXX XXXX watches that were connected to the XXXX XXXX and had been purchased around XXXX. XXXX unexpectedly sent an update that discontinued support for the XXXX watches with phones purchased after XXXX, even though they had been paired and connected to the XXXX XXXX just the week before. This is similar to the issue with the XXXX XXXX XXXX XXXX, which also lost support only a few years after its release. XXXX sells expensive accessories but fails to adequately inform customers before discontinuing support for them. I do not recommend XXXX products due to their high cost and lack of notice before discontinuing accessories. XXXX should provide a XXXX notice before ending support for accessories, giving consumers time to make informed decisions. I was not aware of any time limits to return the phone due to XXXXXXXX XXXX failure to inform customers about the update that caused the accessories to stop working. When I called XXXX, they informed me that I could only return the phone for a refund, even though the window for returning all the items had already expired. I contacted Ally and informed them of what XXXX had told me. Ally sent a letter dated XXXX XXXX stating it would post a credit pending the dispute which would appear on my next billing cycle which was XXXX XXXX. The credit did not appear and when I called Ally the representative told me the dispute was dismissed on XXXX XXXX told the representative that I did not receive notice and if I could escalate this or appeal this the representative gave me a fax number that was busy after several attempts to fax so I sent Ally a secure message through its app. I ask why and was told because I did not return the phone I said in order to return the phone I must receive from XXXX a RETURN MERCHANDISE AUTHORIZATION NUMBER which I had not received. Ally has not protected my interest.
Product: Credit reporting or other personal consumer reports

I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy. 

Given the XXXX XXXX XXXX XXXX in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may be the result of compromised data. This breach has led to a significant increase in identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 60 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. Also, per FRCA it is required that Im provided proof of original documentation bearing my signature and/or method of verification used within 15 days of a completed investigation, which I received neither. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Product: Checking or savings account

XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX  {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day? 
On XX/XX/XXXX I had a mortgage payment XXXX  and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX  and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ). 
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX   receipts prints date AND time for electronic payments " bank card '' same USPO receipts
Product: Debt collection

On XXXX I was alerted to a collection appearing on my XXXX and XXXX credit scores. They were brought by Sequium Asset Solutions regarding an unpaid XXXX XXXX bill of {$2600.00}. I have never had an XXXX XXXX account. They also supplied XXXX with an inaccurate address, XXXX XXXX XXXX, XXXX, OH. This has never been a residence of mine, and I have never lived in Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was found to be opened do to the XXXX  data breach it was deleted by XXXX  do to this being a part of the XXXX   Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX XXXX DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out a loan with American first finance
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of recent pulls on my credit that I did not approve. XXXX/CROSSCOUNTRY MORTGAGE & XXXX XXXX I GAVE NO AUTHORIZATION FOR THESE PULLS.