23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

First, I recieved a title loan from Baton Rouge Financial XXXX in XXXX XXXX, La. The first title loan was XXXX in which, BR financial held the title in case I did n't come and pay it off, they  would come and reposse it.So I paid it down from XXXX to XXXX. Then went an financed anothe title loan for XXXX and thats when BR finacial after paying until XXXX. Baton Rouge Financial ask me about refinacing I thougt the payments was gon na be cheaper but my total title loan went up to XXXX. I told them several times come get the vehicle.They said they they did not want it. The vehicle was in good shape. so I started making payments again but this time out of my account.As of XXXX XXXX was my last payment that was drowned out my account. The was not subtracting the difference nor reporting it to the three crediting bureau, on time every month. Now they want me to pay XXXX which is wrong all the way around. The lady XXXX XXXX came out to my house threatening me and sent emails. They still has the title. Nothing is accurate with the information. I wish that BR financial please delete and or remove this from/off all three credit bureau.It is misleading.
Product: Credit reporting or other personal consumer reports

Contacted Comenity Bank in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with XXXX until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with XXXX Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted XXXX as Comenity Bank claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however XXXX as of today shows two accounts with the same number and same amounts. XXXX refuses to correct the issue and referred me back to Comenity Bank. I contacted Comenity bank again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting Comenity Bank and XXXX Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.
Product: Vehicle loan or lease

XX/XX/XXXX - Purchased a XXXX XXXX at XXXX XXXX  XXXX dealership in XXXX, WI Put money down and came back to Illinois and financed it through XXXX XXXX XXXX out of XXXX XXXX, IL Paid it off on XX/XX/XXXX The vehicle is in my late husband 's name so he just passed away the first week of XXXX so I went to the DMV in XXXX, IL to have my name put on the title and was told that their was a lien on it from a bank in XXXX, OH. ( XXXX XXXX XXXXXXXX  ). So I called them and found out that bank was bought out by Huntington Bank in XXXX, OH. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  the created a case # XXXX. Told me I would hear something from them in 3 to 4 weeks. I never got a call back. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me the Lien letter would be sent out on XX/XX/XXXX. Never received it. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me it would be mailed out next week but talking to her she gave me the impression she was just saying that because as we spoke she was totally confused as to what I needed. I asked her to overnight it to me and she said she will ask them to do that. 

Now, here 's what I did concerning my credit union ( XXXX XXXX XXXX ). 
XX/XX/XXXX - called and spoke with XXXX and she said she will look into it and get back to me in 7 to 10 days. ( I received no call back ) XX/XX/XXXX - called and spoke with XXXX and told me the vehicle was not registered in the DMV in Illinois and I told her it was XXXX. She said I will hear back in 2 weeks. ( I did not receive a call ) XX/XX/XXXX - called again and spoke with XXXX XXXX. She told me I would receive a letter stating that their was no lien on the vehicle. I received the letter yesterday ( XX/XX/XXXX ) but that won't do any good because it says XXXX releases all interest but I need the one from Huntington and I felt that since I paid it off through XXXX they should have given us a title. 

XX/XX/XXXX - I called and spoke w/XXXX  and XXXX and explained that I needed help in getting the title but most of all the lien removed and I felt they should help since I financed it through them. 

The Wisconsin DMV shows that XXXX XXXX XXXX was the lien holder but the Illinois DMV says XXXX XXXX XXXXXXXX  ( Huntington Bank ) is the lien holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax information services has grossly mishandled my personal identification information, which puts me and hundreds of thousands of other people at risk of identity theft. 

I demand that they rectify this by making credit freezing free of charge and refunding anyone who has already paid for such services. The " equifaxsecurity2017.com '' website indicates that I have been affected and it is unacceptable to require that I file a police report when they already know that I ( and many, many others ) are impacted. The fact that this is a paid service is actually a perverse incentive for them to " accidentally '' release some information and then charge consumers for their protection. That sounds vaguely like a tactic employed by the mob for some time. 

The fact that they did not notify anyone quickly enough, and themselves admit that they will not notify everyone is a gross dereliction of duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX BANK XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I made 3 Airline Reservations for a flight on XX/XX/XXXX. However, the Airline ( XXXX ) cancelled the flight and refunded all charges except one {$66.00} charge. ( There were XXXX {$1600.00} charges, XXXX {$1900.00} charge, XXXX {$75.00} charges, XXXX {$44.00} charge and XXXX {$66.00}, - charges. I called XXXX numerous times and asked them why they refunded only 2 of the XXXX {$66.00}, - charges. The answer was that they would correct their mistake and also refund the XXXX {$66.00}, - charge. This never happened even after the case was escalated. Finally I decided to file a credit card dispute with Barclays on XX/XX/XXXX. On XX/XX/XXXX, Barclays replied and advised me that the transaction was referred to a dispute specialist. However, the dispute specialist decided that I filed the dispute after the 120 day deadline and that Barclays couldnt do anything about it. The Merchant ( XXXX ) was never contacted and a response from them was never obtained. 
However, it appears that a 540 day deadline should have been applied since the charge was travel related and the service was never received. It also appears that this was an international charge which has a different deadline. When I contacted XXXX again in XX/XX/XXXX I was told that the {$66.00}, - were refunded on XX/XX/XXXX which isnt true. XXXX stopped to communicate with me when I told them that the XXXX {$66.00} charge was never refunded. When I called Barclays on XX/XX/XXXX they confirmed that there was no refund on or around XX/XX/XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a hard inquiry on my credit report without my knowledge or permission from capital one bank  on XX/XX/ XXXX XXXX
Product: Checking or savings account

I have at least 3 charge per month of an overdraft fee for insufficient funds, this been going for what i can see 2022 ( XXXX ) All of them for at least {$10.00}. I have been calling, but they said those are normal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for an Amazon credit card through Synchrony Bank. They hit my credit with a hard inquiry 14 months ago. I was told that Synchrony bank would remove the hard inquiry and it has NOT BEEN REMOVED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the final complaint that I am going to issue before going to FBI/ oh attorney general 's office about this company CHEK SYSTEM who keeps committing a crime against me by refusing to update XXXX XXXX XXXX 's who was the Creditors info the credit union has sent to check system a total of 3 TIMES! XXXX stress that chek systems continues to ignore XXXX 's request in WRITTING to mark item PAID in full that is reflecting bad negative item on my credit report! 
I WILL NOT STAND FOR THIS. IT IS COMING TO CIVIL litigation SO BE IT! I NEED THIS TO STOP! THIS IS TOTAL DISCRIMINATION AGAINST me! CHEK SYSTEM once again for the third 3rd time!!!! is refusing to HONOR XXXX XXXX XXXX request in writing. XXXX has informed me mass times by phone and via email ( evidence attached ) that they have contact check system stupid XXXX to let them know thousands of time to make a issue that was solved between the credit union and I PAID request to update my file mass times which is hurting me from opening bank accounts!. I have no idea what check system issue with me is ... but it needs to stop asap! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- there is another stupid company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida XXXX? 
that is committing FRAUD in my name when in fact they keep insisting that I wrote a check to them to pay XXXX XXXX which I never wrote a check to this company XXXX initially? I always pay XXXX by debit card? I never wrote a check whatsoever to XXXX. these people keep saying that I wrote a check that did not clear with XXXX which is not on my bank statement at all yet keeps asking yet harassing my bank to give them info they do not deserve from my bank called XXXX. for the 3rd time again for these XXXX ... I have sent the necessary info as proof to this company called XXXX showing them I did not write a check to XXXX there is nothing on my bank statement to verify a check even being wrote evidence attached these XXXX XXXX contact the upper XXXX in my complaint, I am constant complaining about CHEK Systems ... oh yes ... to post on my report that I did not pay the check of course stupid check system post his unlawful mess from XXXX stating I did not pay the check to XXXX as well I sends current info of my back statement to both dummy 's and of course once again they completely ignore the evidence and wants to ruin my credit saying different. 
I XXXX XXXX XXXX has included evidence of the checks and check sequences that I have and the bank statement for the month of XX/XX/2019 that XXXX claims I wrote the check in the month of XX/XX/2019 to XXXX which shows no activity! 

if I wrote any check you XXXX well better believe that a bank would have record of the check and the check number and date check was written! OOOK! 

PLEASE GET BOTH MONSTERS OFF OF MY BACK NOW BY MAKING THEM ACCEPT LEGAL DOCUMENTS THAT I AS WELL AS OTHER ORGANIZATIONS/COMPANIES PRESENT TO THEM AND LEAVE ME ALONE! 

I DEMAND ALL UPDATES TO BE LISTED AND SENT TO ME AS UPDATED info ASAP!
Product: Debt collection

Received a letter in the mail from IC System , Inc. on XX/XX/XXXX regarding a debt owed to XXXX XXXX for {$650.00}. Debt is allegedly from XX/XX/XXXX. 

I have never had XXXX services in my life, nor has anyone in my household. I have proof of me having service with different providers the whole time. XXXX was able to confirm this.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

Please ensure that my credit file is not confused with individuals who share a similar name, address, or SSN. It is imperative to verify all identifying information thoroughly. All claims, regardless of their validity, must be substantiated as currently and completely true, correct, and timely. They should also be demonstrably of my ownership, my responsibility, and compliant with all applicable reporting laws and standards, including but not limited to the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others.

Per the laws and requisite reporting standards, any entity found in violation of my rights will be subject to legal action. Should you persist in retaining and/or reporting any deceptive allegations even after my submission of a formal consumer complaint, you are hereby instructed to promptly remove any and all unsubstantiated claims from my credit report.

Please conduct a thorough investigation within the next four days and ensure that my credit file is accurate, complete, and compliant with all relevant regulations. Your cooperation in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX WAY XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( 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

Recently I've mailed in a dispute letter asking Experian to investigate multiple accounts that's reporting in violation. The accounts listed in my dispute letter do not belong to me nor do I have knowledge of who they are. They are reporting accounts to Experian stating that I owe them a debt but how can I owe them anything if there was never an agreement? These accounts are in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which they did not respect my right of privacy. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information, these accounts must be removed in which we never made any agreement nor is there permission from me to report these accounts which make them unverifiable.
Product: Credit reporting or other personal consumer reports

I am requesting that the account XXXX is removed from my credit report. I notified XXXX, XXXX, and Transunion that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. XXXX is still reporting this as a charge off which is a FCRA violation. XXXX has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute erroneous negative information reported in your records under my Social Security number. I was impacted by the XXXX XXXX XXXX XXXX Customer Data Security Breach ( XXXX XXXX. XXXX ) and believe this may have contributed to unauthorized activity on my account. Upon obtaining a copy of my ChexSystems report, I discovered several inaccuracies, including entries from banks with which I have no affiliation. Specifically, your records show Non-sufficient funds on or around 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 
I contest these records as they are inaccurate. I have no relationship with these institutions and did not authorize the accounts, inquiries, or transactions. Therefore, I request that you : 1. Conduct a thorough investigation of the disputed records under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

2. Provide verifiable documentation or evidence from the reporting entities substantiating these entries.

3. Delete the unverifiable, inaccurate, or unauthorized records from my ChexSystems report.

4. Send me an updated copy of my ChexSystems report reflecting the corrections.

As a credit reporting agency, you are required to comply with the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1681i ( a ), you must investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Failure to comply with federal regulations, including those outlined under 15 U.S.C. 41 et seq., may result in investigations by the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ). I am keeping meticulous records of all correspondence related to this matter for submission to the appropriate authorities, including the North Carolina Attorney Generals Office, should you fail to act in compliance. 
I would like to remind you of your potential liability for willful non-compliance as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Should you fail to provide documentation, including a signed contract or agreement bearing my signature, I will pursue legal action against Chex Systems for the following damages : Defamation of character ; Negligent enablement of identity fraud ; Violations of the Fair Credit Reporting Act. I will seek damages of {$5000.00} in court if my requests are ignored, I am being harassed and bullied. I will also be filing Federal complaints. Please ensure compliance with the FCRA and provide a written explanation of your findings after completing your investigation. Additionally, send me an updated copy of my ChexSystems report to confirm corrections have been made. I look forward to resolving this dispute within the legally mandated timeline. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX XXXX XXXX   PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. has violated many consumer protection laws including preparing and reselling inaccurate information. Equifax , Inc. does not have permissible purpose from either XXXX XXXX XXXX, the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Equifax , Inc., 34 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Equifax , Inc., therefore, Equifax needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX. This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Equifax , Inc. received notice of this dispute on XX/XX/XXXX.
Product: Debt collection

A couple of months ago approx. in XX/XX/XXXX I received a bill from XXXX. When I called to find out what the bill was about they informed me that an account was opened at an address I lived at a year ago in XXXX. They informed me that they were going to investigate the matter and get back to me in a couple of months. Today XX/XX/XXXX I received a collection notice with the debt that is owed to XXXX  in the amount of {$210.00}. 

We moved out of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/XXXX of XXXX any account open after this date is Fraud. I closed my account with XXXX  and left it in good standing. See attached files. In addition, I have had a credit freeze on my credit report so how is it that they were able to open an account under my name? I have filed a police report as well.
Product: Credit reporting, credit repair services, 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 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. 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.