23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened up a account with the bank that the check was written off. I went to the XXXX branch, in which the teller told me it was the banks check. I was denied service that day, therefore I went to the XXXX XXXX branch. 

I deposited the check with a XXXX  day hold. I never received any cash. Then my account was closed for the amount of the check and fees. I never agreed to closing the account. The only charge should be the fee. I never received money from the check amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate and incomplete information on my credit file. The furnishing company as addressed and corrected the account with the other bureaus. However, Equifax continues to report after making aware of the discrepancies. They close disputes without getting account information from the furnisher as the furnisher is aware of the missing information and has stated that they've provided it to Equifax. 

The status, payment history, or payment rating on this account is not correct. 
The date of first delinquency on this account is inaccurate
Product: Credit reporting or other personal consumer reports

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX XXXX The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX company they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.
Product: Credit reporting or other personal consumer reports

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX Furthermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.
Product: Credit reporting or other personal consumer reports

I was in the recent data breech from XXXX from XXXX  and the Reporting agency failed to remove the inaccurate reports, I have also filed an FTC identity theft report and disputed the incorrect information with all 3 credit reporting agencies. I would like to have the items removed from my credit report due to it being inaccurate and it is affecting my credit negatively
Product: Mortgage

Our home and outbuildings were damaged by a hail storm on XX/XX/2019. Our insurance company issued a check for repair and replacement in the amount of {$64000.00} that was issued to us and our mortgage company. The funds are being held in escrow and, after months of submitting contractor documents, receipts for work paid for, the mortgage company refuses to release any funds. We requested a 50 % inspection so some funds could be released and the inspector sent her son who was not qualified to do the inspection ( which we failed at 32 % ). Our loan has recently ( XX/XX/2019 ) been transferred and after speaking with the new loan servicers we were told that we would have to start the process all over from the beginning as the documents we have originally submitted did not carry over to the new servicers. We have depleted our entire savings account paying for the work that has been completed on our home : Big Shed doors ( {$4800.00} ), front entry door ( {$2400.00} ), shop garage doors ( {$3200.00} ), bay window ( {$1600.00} ). We have a  new roof that has not been paid for because they are also doing the siding on our home. The siding is lying in our driveway ( for one month ) waiting for us to get the bay window installed. I should mention that I have been given conflicting information every time I call the loss claims office. One person says I need to submit a surety bond, another says no, one says I need to request an exemption for work on outbuildings and then it is rejected, etc.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Vehicle loan or lease

I leased a number of cars with Ford Motor Credit. My last experience was quite bad and due to the fact that the ownership of the local dealer we did the lease with had changed. I was told they were working with FMC to resolve issues but in the end FMC said they had done nothing. I had extended the lease, paid the extra amounts, etc. We had the car inspected and spoke to our local dealer about changing with a new lease ( and in those cases they often waive any wear+tear issues ). We also spoke to a few other local Ford dealers who made similar promises. But then because of timing they inspected the car again - and this inspection was completely different, damages disappeared, etc. We had no work done on the car in between. We decided NOT to lease again from Ford, primarily because Ford quality had gone done and at the end of the 3 year lease we were seeing more quality issues. This car had a major tech glitch and many other problems, and some of the major repairs were in the last 3 months of the lease. There were also recall issues that added an ownership burden ( dealers are not near our house so we always lost a day of work when we had these ). After we turned the car in Ford did a THIRD inspection. Now we had double problems over the first inspection, and also different from the 2nd. These inspections were not repeating the same findings at all. We waited some time and then Ford came up with a LARGE amount for wear and tear and excess mileage ( almost {$2000.00} and we had down repairs, replaced tires, etc in last 3 months of ownership ). We owed excess mileage but we wanted an understanding of how these inspections could be so far off. I called and spoke to the dealership and they said it was crazy but ownership had changed, they did not want to be involved ( nothing in it for them ). FMC said it was a dealer level issue. I spoke to multiple people at FMC, escalated it to manager level. They said they never saw anything so crazy, would promise call backs, nothing happened. Then FMC said they were charging off the balance - so we paid the entire balance even though they disagreed. However, FMC KEPT IT ON OUR REPORT as a charge off, damaging our credit for years which means we lose additional money AND they never resolved the inspection report discrepancies or took any ownership. In the future I would hire a lawyer immediately, lesson learned. FMC recently removed the months of charge off but it was technically NOT a charge off and we request that they remove it as such. It is a closede account, paid in full. Closed in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

My XXXX, XXXX statement shows that I issued a balance transfer. after 12 month, I am ready to pay off the transfer. Just now I realized that there is a {$430.00} interest charge on XXXX, XXXX XXXX. I looked over all12 month statements in the past there no indication on when my promotional period will end. I called customer service and they told me it expired on XX/XX/XXXX and they are sorry that the only way for me to find out when my promotional period ends is by calling the customer service. 

This is very deceiving practice, as the credit card company doesn't how show then their promotional period ends. and slap you with a 21 % interest rate without any warning.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act(FCRA), Privacy Act of XXXX, and Equal Credit Opportunity Act(ECOA), XXXX XXXX is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), XXXX is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of XXXX in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of XXXX This rule requires directors and Section 16 o
Product: Credit reporting or other personal consumer reports

I am writing to re-dispute the reporting of a charge-off of the XXXX XXXX account number XXXX, as this entry is inaccurate based on my investigation 's findings. I kindly request that this charge-off be removed from my credit report with all credit reporting agencies. 

The following consumer protection laws and regulations support my request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers can dispute any inaccurate or incomplete information on their credit reports. The credit reporting agencies and the information furnisher ( in this case, XXXX XXXX ) must investigate and correct any inaccuracies found. [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Consumer Financial Protection Act ( CFPA ) : The CFPA grants the Consumer Financial Protection Bureau ( CFPB ) the authority to oversee and take action against companies that violate consumer financial laws, including the FCRA. [ 12 U.S.C. 5481 ( 14 ) ] Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair or deceptive practices by debt collectors. If the charge-off is inaccurately reported or involves any form of harassment, this may also constitute a violation of the FDCPA. [ 15 U.S.C. 1692 ] After thoroughly reviewing my records, I have identified that the charge-off reported is incorrect. This inaccurate information is negatively impacting my credit score and financial standing. As a responsible consumer, I continuously monitor my credit report for accuracy and promptly address discrepancies.
Product: Vehicle loan or lease

On Monday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX car dealership to look at XXXX. At XXXX I test drove a XXXX XXXX and returned to the dealership at XXXX. Upon returning I spoke with XXXX XXXX ( XXXX salesman ) and he invited me inside to talk about the XXXX. At this time we began negotating a price. This entire time I wanted to wait a night and sleep on the decision. He stated what price can I give you to get you to take the vehicle home tonight? I told him I wanted to sleep on it at least three times. He continued to make excuses and twist my arm until I finally gave in. At XXXX we signed a hand written note that stated the purchase price of {$31000.00}, he went away and returned at about XXXX, and wanted to add on an additional {$500.00}. I agreed and signed. He mentioned without seeing my vehicle I would only get a couple of XXXX dollars for my vehicle. Which is fine but I asked XXXX if there was anything I can do to get my payments down he had no answer. Upon leaving again and then returning at about XXXX we started the paperwork. This entire time I wanted to wait a night and sleep on the decision. The dealership closed at XXXX. We then rushed through the entire paperwork. I had questions in regards to the numbers but he would give me very short answers. I didn't understand the paperwork or the numbers. At an XXXX credit score why would I sign for a 5.94 % interest rate if I wasn't being pressured. I didn't understand the terms or what I was signing. I also said I didn't want a warranty when I spoke with XXXX. When we finished with the salesmans paperwork he introduced me to the Business Managers. When I was with him they tell me I agreed to the warranty and all the terms. This all happened so quickly I feel like I did something wrong. The business manager continued to ask me questions and stories about his dads vehicles in a attempt to keep me distracted. I didn't know what was going on. I then left the dealership around XXXX, which was 45 minutes after the dealership closed. I left the car on the lot overnight because I couldn't even get someone to pick my car up. This happened way too quickly and I felt pressured the entire time as he mentioned that the vehicle I was looking at is a hot vehicle and he didn't know how long it would be available. " Theres only 1 in the city of XXXX XXXX '' He couldn't even get one transfered from another dealership. On Thursday I called Ally bank, which is who the financing is through. I spoke with a person in customer service and they said they would remove the warranty. They said " the paperwork wasn't even in they system if that tells you about the dealership '' So Ally bank knows what's going on but refuses to take corrective action??!! I felt like I wasn't even able to comprehend what I was signing up for in such a short period of time. Now I regret getting the vehicle under the terms that I agreed to. Is there anything or anyone that can help. I reached out to XXXX and asked for all the paperwork that I signed and he said " we don't typically give out all the documents that you signed. '' This is extremely shady and it is 100 % predatory lending.
Product: Debt collection

They sent me a email saying I owed them money due to embezzlement from a previous company I worked for. This is not only slander but unfounded when I asked for proof they sent me like a screenshot of a transaction on XX/XX/2020 saying it would be their final attempt. I asked for more proof and they said thats all they had to provide me and put it on my credit as well. Obviously this is heinous and wrong as I did not embezzle anything and they did not want to provide proof or work with me. I want it off my credit and I want them to apologize in writing for putting me through this ordeal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry on my account referenced above under the provisions of *15 U.S. Code 1666 ( b ) *, which addresses billing errors. I never received a bill for the month in question, and I dispute the late fee that was applied as a result i have requested over 3 times on XXXX, XXXX and XXXX never received any answer and this hurts my credit score so bad i need to by a house for my kids and I cant do it