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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

They said they wouldn't charge more than35.9 percentage and they are charging 399.564 percent. Plus when they quoted the amount it was made like they would adjust that amount because of what was in there written contract. They did not honor there word and I believe they false advertised. I have paid XXXX in 7 months for a XXXX dollar loan. Payments of XXXX and some change. And because they have me recordered as saying that I would make those payments I am not honoring my word. I feel like I have been lied and decieved and honoring word is a two way street
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions 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. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. Experian and Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services.

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I received a notice f rom Synchrony Financial say ing  a TJ Max credit ca rd had been issued in my name. On  XXXX   XXXX , I called  Synchrony Financial and to ld  them TJ Max ha d used my information without my authority to issue this card. I was told by  Synchrony Financial they  could do nothing because they did not issue credit ( which seems odd for a credit comp any ) and since my infor mation was accurate, even if I did not authorize the credit, nothing could be done. I was told I must contact  TJ Max, w hich I did that day. I asked for written documentation of what had occurred, which was promised but they have failed to provide. On  XXXX   XXXX ,  TJ Max since t hey do not issue credit, I needed to  talk to Synchrony Financial, s ince they issued the credit. Since that time they have failed to respond to my inquiries on this matter.
Product: Credit reporting or other personal consumer reports

All of my Hard Inquiries on my XXXX report. All these hard inquiries need to be removed immediately because its identity theft. I did not give any one or these institutions permission to check my credit report XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XXXX I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!
Product: Debt collection

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XXXX, I submitted a dispute to Experian, Equifax, & TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # xxxxxx To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( s ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( s ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly.

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.
Product: Vehicle loan or lease

I became unemployed on XX/XX/2021. In XXXX, I fell behind in paying my car payment. I spoke to Gateway Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, and they mentioned they would work with me as long as I emailed them my confirmation letters from the Illinois Department of Employment Security ( IDES ). In XXXX, I was able to make a one-time payment to cover XXXX month. I continued to email them my confirmation letters from IDES that confirmed my certification biweekly. I also emailed them proof that I received a job. I sent them a screen capture of my orientation date and time. I was told that I may qualify for an extension considering my circumstances. A few days later I received a call mentioning that I need to make a payment right away or my car would be repossessed. XXXX days later, my car was repossessed. The date was XX/XX/2021 just XXXX days before XXXX and XXXX days before I would start my new job. 

After reading customer complaints on the XXXX XXXX XXXX it seems that this company is notorious for misleading its customers.
Product: Debt collection

I was an inpatient from XX/XX/2019 - XX/XX/2019 and under the responsibility of XXXX XXXX XXXX at the time any charges on my discover card was incurred i am not responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report agency apply incorrect information to my profile identity.The credit file number # XXXX, have several credit card accounts, several fraudulent identical names with different middle initial attach to my credit profile information, and their are several fruadulent address to my identity. My credit report information have wrong social security number attach to my profile.
Product: Payday loan, title loan, or personal loan

Today XX/XX/19 RECIEVED a call from XXXX  asking for the last three digits of my social security number to tell me pending criminal charges against XXXX XXXX XXXX XXXX for Cash Central Cash Advance for a {$400.00} loan they claim they gave me I NEVER RECIEVED I asked how was this loan paid and when I was denied that information I recorded the entire conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to removed an inaccurate account on my credit report. I pulled all three reports together, and they are listing different amounts and MORE. 

XXXX is listing XXXX XXXX XXXX As an OPEN ACCOUNT, This is false. 

Experian is Listing this account as a different Account # XXXX  unfder a different Debt Recovery name, and also listing this as a collection, with a different amount balance, and date last active are completely different than the other reporting agencies and information, this is all completely inaccurate. 

The Balance is incorrect and inconsistent with the other reports it is on, while being listed as closed on those bureaus reports. 

The Date Last active, and Date Last reported are also VASTLY different from on another. 

This is an updated report taken today. 

There are more than three incorrect and inaccuracies on my report. 

You need to remove this account immediately as I have a legal right to a current and up to date and ACCURATE report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and XXXX dispute has been denied as well. After going on websites though portal. Still denied.
Product: Checking or savings account

I was notified on XX/XX/2020 that my chase bank account would be closed and I have no idea why my account is being closed. I have been having problems with this account from the start of opening the account. My account was locked for no reason at all and now I cant access any of my money. I just wan na know when my check will be mailed to me
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 ) : DPT EDXXXX. ( Account ) # XXXX ( Account Name ) : DPT EDXXXX XXXX. ( Account ) # : XXXX. 
( Account Name ) : XXXX  XXXX. ( Account ) # : XXXX ( Account Name ) : XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ). ( Account ) # : XXXX ( Account Name ) : XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) ( Account ) # : XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018 I did a consumer credit transaction with Citibank. The total amount of the transaction was for {$3300.00}. Citibank is in violation of 15 usc 1605 ( a ) .A few weeks after the initial transaction I received a bill requesting that a payment be made. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BY 2 PEOPLE WHILE BEING WITH MY FAMILY. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number  XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Opened-XX/XX/XXXX XXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions. 15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years. 15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Looking to dispute this debt. A letter was sent from insurance company XXXX XXXX stating that the services were not covered due to limited information submitted, no diagnosis code submitted nor any medical records supporting medical necessity and invalid code being submitted. I'm requesting detailed information as I am trying to get this corrected.
Product: Mortgage

I have been trying to get my home refinanced with Regions Bank since XX/XX/XXXX and I continue to get the run around. I have provided them with all the information they asked for within 48 hours of asking but I still haven't gotten my home refinanced. hey continue to stall using all kinds of excused from COVID-19 to employees resigning but I still haven't gotten a loan. They are going into my bank statements, questioning my spending habits and asking why I am spending money on different things. I don't believe its any of their business how, when and why I spend my money and I believe that is a direct violation of my privacy. I also don't believe they do it to anyone else. I believe there is some discrimination going on here. I want to know and see if they do this to everyone that applies for a loan from them. I don't believe that they do. I have a hard money loan with a balloon payment that is way past due. Dealing with Regions bank has caused my incumbent lender XXXX XXXX XXXX to accelerate my note as of XX/XX/XXXX. They have put my house up for foreclosure and auction as of XX/XX/XXXX. Now I have Regions Bank asking for my mortgage history for the third time after I have already supplied it to them. They know my note has been accelerated and I am not allowed to make monthly payments as of XX/XX/XXXX. That means I got late payments now and they can withdraw my application. They are trying to force me to sign a document that would give XXXX  my loan information. Then XXXX  will publish that information with the credit bureaus and this will ruin my credit. I asked them several times will this get reported to the credit bureau 's and what is the ramifications of signing that document and they won't tell me. I gave them two different payoff docs from XXXX XXXX showing what my payoff is and they won't accept it. I have a loan with a hard money lender because I don't want that information on my credit report. I should not be forced to supply it to a third party vendor like XXXX. That is wrong and I believe it violates my rights. I wouldn't have any lates if they would have processed my loan in the 90 days that is customary. They are just looking for a reason to cancel the loan application. It is not my fault and all theirs and I want something done about it. I believe they have really crossed the line with discrimination when it comes to this application and the use of the Dodd Frank Act and I want something done about it. I would like for you to look into my issues and make them prove that they treat every borrower the way they have treated me. I find it hard to believe that they give everyone this complete run around and everyone has to wait 7 months or more to get their refinance loan processed. Especially, when Regions Bank already has a active HELOC in place on the home with me. By the way, I have never used the HELOC. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX XXXX XXXX