23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Subject : Credit Fraud Protection -- On XX/XX/XXXX I bought my Car Finance Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have Auto payment SetUp with XXXX XXXX XXXX. 
Monthly installment directly deposited to XXXX XXXX XXXX on last week of every month. 
Monthly Installment {$790.00} Total Paid Amount : {$19000.00} No billing Statement received by XXXX XXXX XXXX. 

Without prior notice or any communication the XXXX XXXX stop taking the Installments from my Bank. I been trying to contact with the XXXX XXXX to understand the situation but unable to contact. 

On XX/XX/XXXX early morning I found my car is missing. I reported the Police as my car was stolen. And with the help of Law enforcement agency I later found my car was towed away by the Finance Company and getting ready for re-sale. The repositioning authority did not co-operate the situation. No letter or further was provided by the authority as of today. 

The huge emotional, social harassment and inconvenience is not acceptable to any customer. The is against the business ethics and violating consumer right. Please help and take necessary action. This will completely ruin my credit line.
Product: Credit card

My Sephora Visa Card held with Commenity Bank expired in XXXX of 2024. I did not receive an new card with an updated expiration date, so I contacted Commenity Bank via phone customer support in XXXX and requested a new card. My request was processed however I never received the new card. I made subsequent requests for a new card on XX/XX/2024 and again XX/XX/2024, both times confirming my address on file is correct, but I still have not received a new card. I have not had trouble receiving any other mail. 

On XX/XX/2024 I contacted Commenity Bank again to explain the problem and requested that they send a new card via mail service with a tracking number. I was told it's not possible to send me a new card through the mail with a service that uses a tracking number. I asked what I was supposed to do- if I do not have a valid credit card, I can not use the account. 

Without a new card, I am unable to access my account for purchases, redeem earned rewards, or take advantage of extra points and rewards only provided to card holders rendering the account useless. 

My only remaining option is to pay the balance and close the account. The customer support agent agreed with my assessment. Therefore, Commenity Bank is not upholding their end of the credit agreement.
Product: Credit reporting or other personal consumer reports

I opened a dispute with Experian at the beginning of XXXX because there is a XXXX account on my credit report that does not belong to me, and has been open for far longer than I've had a bank account. It's severely affecting my XXXXredit score, which is troubling, but when Experian followed through with the dispute, they said that the account is mine, so it stays. They said that the company that reported the information to Experian has certified that it is accurate. Still, it is not as I do not recognize the account.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Debt collection

Back in XX/XX/XXXX I discontinued service with XXXX  and sent all the equipment back. I did everything I was supposed to do. Then in XX/XX/XXXX, my credit score dropped and I see that XXXX  sold my account to a debt collector. It put a collections on my account for the equipment not being turned in. I disputed the charges and called XXXX  directly. They stated my account was Paid in Full and weren't sure as to why it was put in collections. That dispute was deleted. Then in XXXX of XXXX another collections was added to my credit report for the same thing! I disputed that as well and it was taken off! NOW AGAIN ... XX/XX/XXXX same creditor put the collections on my account. I've called XXXX  and could not get ahold of anyone. Called MRS Associates ( The collection company ) who stated they could not find my account, and I reached out to XXXX  ( Original creditor ) and they AGAIN stated they show my account being closed and in good standings! I want this to stop and want to know what actions I can take to make sure this doesn't happen a 4th time!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I 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. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below I did not authorize. I have contacted the companies and was told I had to dispute with the credit report agencies. The below inquiries need to me removed. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX   Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Product: Debt collection

I have attempted to contact this company multiple times regarding a debt that they are reporting to my credit. I have not even the slightest clue what the debt is and when I request validation, they just send me a print out of some bill that does not even describe the debt. Honestly, how many people can just say you owe something, don't provide proof, and expect you to pay. How are they doing this and to how many people thus far. The very last time, they sent me a letter in the mail attached stating that my claim was frivolous and they refuse to investigate any further. They did not provide me with anything I requested and simply stated that they sent verification and validation to the credit bureaus. If they refuse the investigate, they should not be allowed to continue reporting this harmful information to my credit reports. The received communication from them XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I paid for Account for milestone as paid in full of XXXX but amount still showing I owe XXXX dollars. Account still showing past due but closed when I paid them the full amount. They are reporting information they want stating account balance is XXXX dollars and not the actual truth of the account paid in full. they go by Concora credit now yet Im still having information reported on my account as if I still have a balance left
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they elimin
ate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. XXXX XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Federal Trade Commission. Cc State Regulatory Agenc.
Product: Debt collection

As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with XXXX.
Product: Credit card or prepaid card

I kept receiving emails about my new card from netspend. Someone had opened an account with my information. When I gave them my social security number they confirmed an open account but refused to give me any information, address or phone number, that would allow me to know who had stolen my identity.
Product: Vehicle loan or lease

By my recent experiences ... GMAC and XXXX are totally unwilling to lower or eliminate monthly pmts during this deadly CORONA crisis. 

GMAC has tried to twist my arm to pay - even though I have no income nor money to pay. 
In my talks with their rep XXXX XX/XX/2020 their rep admitted that they don't really know what to do.. She grilled me if I have -- - Unemployment, XXXX ect. Everything she could think of to try to force me to pay ... To me these arrogant hard nosed companies are extortive Financial XXXX ... 

MAKE THEM HELP US!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to credit bureaus that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunate credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of the investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the information from the reports including complete removal of the account.
Product: Mortgage

We had a HERO loan on our property that we paid off in XXXX of this year. 
I called to notify Lakeview that the loan was paid off and so I needed an Escrow Analysis to recalculate my escrow payment. 
Lakeview refused to do anything without a recalculation for the property taxes, which the tax collector does not put out until XXXX. 
On XX/XX/XXXX, I received my property tax statement and immediately sent it to Lakeview with a request for an escrow analysis to recalculate my escrow payment. I was not given a confirmation number but I did print out the " Thank you for Contacting Us '' auto-response. 
At this point, Lakeview has {$6700.00} sitting in my escrow account. My property taxes are only {$3700.00}. My escrow payment is {$850.00}. 
By XX/XX/XXXX, I still had not received a response so I called back. The customer service representative that I spoke to told me that they had not received my document but that it would not matter because Lakeview would not do an Escrow analysis based on my tax statement, only historical payments and so I would not receive a change in escrow until the XXXX tax year rollout. 
I requested to speak to a supervisor who confirmed that I could, in fact, request an Escrow analysis with my property tax statement and asked that I email it to him which I did. 
On XX/XX/XXXX I received an email from Lakeview stating they received my submission, had escalated the inquiry, and would respond to me within 3 business days. 
By XX/XX/XXXX I still had not heard from Lakeview and called to check status. I was told by the Customer service representative that she spoke to her supervisor and she would look into it and call me back by the end of the day. 
I still have not heard from Lakeview. 
Lakeview has enough in my Escrow account to pay my property taxes almost twice. In addition, they are charging a significantly high amount each month for my escrow payment. If I owed Lakeview this much money they would be assessing fees and penalties already. 
I don't know what else to do to get Lakeview to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that I saw on my credit report. It's been over 2 months and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a few disputes to Equifax and ask that they do a proper investigation into said items on my report and they accused me of using some kind of credit repair service like I am not capable on writing my own complaints through the CFPB. 
I have never ever used any kind of credit repair service and I never will. 
So please stop with the stall tactics and do a proper investigation into my disputed items. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 2. XXXX/ XXXX . - 3. XXXX DO A PROPER INVESTIGATION
Product: Credit reporting or other personal consumer reports

I am not connected to this inquiry or the creditor mentioned.
Product: Checking or savings account

I have been banking with Bank Of America for years. I deposited a check on for {$940.00} that was a paper check from XXXX. Bank of America took 14 days to clear my check. They informed me on the customer service line it was because the Federal Reserve would not clear the check for 14 days. I contacted the Federal Reserve and they stated that the only way a check should be held for more a few days is if you just open your account with 30 days which I have not. I contacted the customer service and asked to file a complaint. I was informed that they take complaints but you never hear an outcome or resolution to the complaint.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an excellent, almost unbelievable payment record. I have made many, many, many payments on time. Some of the payments are for a very large dollar value. I have almost no debt, in fact the only payment I need to make is my house payment. I pay off my XXXX XXXX balance every month to avoid interest. There were 3 late payments several years ago due to 5th 3rd bank forgetting to retain my credit overdraft protection when they came out with a new checking account product which I did not wish to sign up for, but they forced me to change to. Due to this, tiny ( and I do mean tiny ) infraction I have had a bad credit score since then. And I do consider anything less than excellent, a bad credit score. I have tried to remediate this with XXXX, but nothing works. My on-time payments eclipse anything else that could possibly be on my credit report, and I have NEVER failed to pay off a debt or any interest accrued. However, my credit rating hovers around the good mark. Please give an unbiased look into my payment history, and help me get back my excellent credit rating. Thank you. Sincerely XXXX XXXX XXXX