23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

Bank of America fraudulently opened a checking account to someone using my name and social security number on X/XX/17. XXXX Bank of America made two fraudulent " hustled car loans '' on XXXX XXXX, 2017. One in the amount of {$61000.00} and the second in the amount of {$79000.00}. In all these transactions, a valid state form of identification was not produced, there was no income verification, no correct address associated with my name given, no phone numbers associated with me given, and no current place of employment provided. Bank of America refuses to disassociate my name with the loans in their system and has not in any way addressed the status of the open checking account. They indicated to me via phone that their were numerous red flags associated with these hustled loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet Stolen XX/XX/2019 resulting in fraudulent lines of credit being opened using my information.
Product: Credit card or prepaid card

Requesting the audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for the consumer credit transaction that occurred XX/XX/2022.
Product: Checking or savings account

Formal Complaint Regarding {$300.00} XXXX  XXXX I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe. 

As part of your promotion, I was required to : 1. Open an account during the promotional period.

2. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months. 

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion.

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience. 

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion. 

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block and remove any inquiries derived from identity theft. Block and remove it.
Product: Student loan

In late mid XXXX, I receive mail from SoFi encouraging me to refinance my federal student loans with then for their low rates. Their message highlights that the federal forbearance ends at the end of XXXX which adds pressure to the message. That statement was factually incorrect as the forbearance was extended to XXXX as SoFi would most certainly know. As such anyone who refinanced with them would be paying a higher interest rate because federal loans are currently at 0 %. This is irresponsible and predatory marketing that should have been pulled from the mail house as soon as the forbearance extension was announced.
Product: Debt collection

This is a debt opened by someone else and this debt is not mine.
Product: Vehicle loan or lease

EVENTS SURROUNDING AUTO LOAN PURCHASE XXXX XXXX, XXXX, I signed loan agreement on used XXXX XXXX XXXX ***Before signing I was notified that the XXXX was In a accident but no damage was reported and there were no visible signs of damage at all but a small surface dent on rear bumper. 

I first contacted the dealership XXXX XXXX, XXXX, about the vehicle I got from them. It began having serious issues that made me feel unsafe. The first issue was when accelerating it would begin losing power then jolting repeatedly for a minute or so until it would catch up to itself. I'm no mechanic but I figured there was a issue with the master airflow intake. Next issue appeared right after, which had me really concerned. When i made a turn in the XXXX  it started running rough and i realized the rpms were jumping and a red flashing lightning bolt light appeared on the dash so i parked the XXXX  and turned the vehicle off and re cranked it and it went away. This would happen also when I turned on the XXXX  and sat idling for a minute. 

Reached out again to the dealership XXXX XXXX to get something done. On *XXXX  XXXX I believe I talked to the mechanic for Central Auto sales, set up appointment to get the XXXX checked. Within a day or so I started having doubts the XXXX would make it to the shop located XXXX hours away. 

On XXXX XXXX, my account manager at JP Capital which is the lender of Central Auto Sales, contacted me and I made it clear that I wanted different terms, a different vehicle, or they could just get their vehicle and the deal be done. I was very respectful and responsive, and sent her a video to get a better insight on the situation and for proof that the issue was real. She let me know that someone was coming to get the vehicle but wouldn't tell me if it was a repossession. They came **XXXX  XXXX or XXXX and got the vehicle. I gave them the key that I had and everything that came with it. I let account manager know there is No more damage created but would need to be vacuumed. 

*******************STANDING ISSUE WITH THE AUTO DEALER PURCHASE Central Auto sales lied and sold a vehicle that was damaged past what they disclosed to me. Attempted negotiation within the first 30 days to handle Issues before any payment was ever due. Account manager would not inform me if they were counting the action as repossession. 

******************STANDING ISSUES WITH AUTOLOAN*************** JP Capital says I broke the contract, but the dealership committed fraud which should rescind the contract. Also JP Capital has some concerning mistakes in their paperwork. They notified me by certified mail they were selling my XXXX XXXX XXXX to collect what is owed which is completely not related to or linked to my contract or me.
Product: Credit card or prepaid card

I opened an account and they continue to charge me outrageous amounts of interest and return check fees even though my checks were never returned!! I spoke to a customer service representative who told me that my account was clos ed and that it was a mistake and so that it was on there and but there was no way they could fix it!
Product: Bank account or service

I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood financial LLC. In XXXX I tried to withdraw my funds and because of a {$50.00} reversal when the account was first opened, they have locked my ability to withdraw anything. The early issue was resolved right away. I only learned this from searching their help screens. Now Ive been trying to contact them for several months and have a case number ( provided in attachments XXXX. They will not unlock my account, they will not reply to my several requests XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, over these months leaving me no other options but to file this complaint. We are a XXXX couple living on a fixed income and need the money they are holding. Please help us? 
XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts are listed in the attached document. The debt collectors and creditors will not provide me with the required information regarding ownership of debt and accuracy of debt reporting. This is a violation of the FCRA Section 605 ( b ) et al.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with Transition, XXXX, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. Transition, XXXX, and XXXX have not removed these inquiries. 
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.

Also, 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, credit repair services, or other personal consumer reports

From XX/XX/2022 until now I've gotten emails from Experian saying they were'nt going to investigate or that my information was updated as verified. How can it be updated as verified if there was never an investigation?
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX Account number XXXX this account does not belong to me. I have not consented or contracted with this company. Furthermore, this account isnt being reported correctly. Open dates are inconsistent, original balances are inconsistent. This account needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Vehicle loan or lease

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit card

I was reviewing my account with Best Buy Citibank and noticed a reoccurring Debt Protection " credit life insurance fee '' that almost equaled my minimum payment essentially nullifying every payment
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX and I, entered into an auto loan with Santander Consumer USA. Neither of us had good credit, or stable income. The amount financed by Santander Consumer USA was {$37000.00}. The annual interest rate was set at XXXX XXXX. 

At present we have been paying on this auto loan for 41+ months, with the principal being reduced by just {$6900.00}. The outstanding balance after 41 months of payments is {$30000.00}. 

Santander Consumer USA was recently the defendant of a multi-state class action suit. Santander Consumer USA profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. Santander Consumer USA was ordered to pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. 

We strongly believe that our account with Santander Consumer USA is eligible for debt cancellation under the class action settlement that was announced on XX/XX/XXXX. 

XXXX XXXX XXXX
Product: Credit card

This is a follow-up to my original complaint ( Case # XXXX ). USAAs response is misleading and contradictory. I am requesting a further review due to new key information. 

This is a follow-up complaint regarding my original case ( Case # [ Your Original Case Number ] ). USAAs response contains contradictory reasoning and misleading information that needs further investigation. 

1. My Refund Request Was Made Within the 60-Day Window I overpaid my USAA credit card on XX/XX/year>. 
I requested a refund on XX/XX/year> ( only 21 days later ). 
USAA first denied my refund because it would have caused my account to exceed my available credit limit due to a credit limit reduction I made. 
Later, they falsely claimed I had exceeded the 60-day dispute windowwhich is incorrect, since I made my refund request within 21 days of the overpayment.

2. USAA Misled Me and Did Not Disclose Refund Limitations USAA never informed me that lowering my credit limit would prevent me from receiving a refund. Had I been properly informed, I would have handled my account differently.Their failure to disclose this information caused financial harm and prevented me from recovering my own money.

3. USAAs Changing Justifications Show Unfair Practices First, they denied my refund due to my credit limit decrease.

Later, they falsely claimed I had exceeded the 60-day refund windoweven though they admit I requested a refund just 21 days after my overpayment. 
These inconsistent explanations suggest USAA is unfairly withholding consumer funds.
Product: Credit reporting or other personal consumer reports

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. this is my 2nd attempt, please review and remove the items asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the information used to verify an account thats displaying inaccurate information under my name. I understand the any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed under bankruptcy and the refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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

Experian is reporting an account on my credit report in complete error and it is in violation of the Fair Credit Reporting Act. The account is XXXX XXXX XXXX is no longer in business and their portfolio was acquired by XXXX XXXX XXXX I have opened numerous internal investigations with XXXX XXXX 's escalations department to fix this imprecise information from my credit report. Last month, XXXX XXXX faxed me a letter indicating that the account shows on their end as PAID, CLOSED, with a {$0.00} balance which is the correct way the account should have been reported in the first place. The account on my credit report shows a balance of {$380000.00}, payment history is inconsistent, monthly payment is incorrect, date last active, and date of last payment are inaccurate and incomplete.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.