23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX UNAUTHORIZED INQUIRIES : 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: Vehicle loan or lease

I leased a car through Hyundai and the lease was coming to maturity. Rather than turn my car in and re-lease another vehicle, which they kept endouraging me to do, I decided to purchase my vehicle. I arranged to purchase my car with financing through a local credit union, XXXX XXXX XXXX XXXX. We aranged the loan and they paid off Hyundai as they were supposed to within the specified time-frame. 

The loan has been paid off now for over a month, and although the XXXX received the Bill of Sale in a timely fashion, Hyundai has been impossible to work with otherwise. They have ignored our attempts to obtain a signed Applicatioin for Texas Title and/or Registration Form 130-u, which is a standard Texas Department of Motor Vehicles form , which is required for them to transfer title and perfect their lien. 

The XXXX loan processor has attempted to resolve this matter virtually on a daily basis for the last month to no avail. I joined him on a XXXX hour attempt to speak with a supervisor at Hyundai that could help us resolve this and the only committment that we could get was they would pass the form along to the proper group. Neither he in all of his attempts, nor the XXXX of us together were ever able to speak to someone who understood the need for the form in Texas or that would commit to resolving our issue. As a result, not only is the title still not corrctly set but I am going to be the subject of fines by the Texas Department of Motor Vehicles as a result, which could end up being several hundred dollars.
Product: Checking or savings account

On XX/XX/XXXX I contacted chase Bank and let them know I had unauthorized charges on my bank statement from XXXX XXXX. On XX/XX/2023 I was told that my claim got denied because they don't refund for third party apps. I have tried going through XXXX XXXX to file a claim and no luck. I have filed police reports and have been doing nothing but trying to get my money back from these unauthorized charges.
Product: Debt collection

They was paid off in XXXX, by XXXX XXXX XXXX  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX  that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX XXXX member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Allstate Credit Bureau for their egregious violations of consumer financial protection laws. Despite numerous attempts to resolve the matter, Allstate Credit Bureau has continuously disregarded my rights and engaged in deceptive practices, as outlined below : 1. Failure to Provide Validation Information : Allstate Credit Bureau has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing a collection on my consumer report. This lack of validation denies me the opportunity to assess the accuracy of the reported debt. 
XXXX. Denial of Dispute Rights : I have not been afforded the chance to dispute the account in question, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of dispute rights undermines my ability to rectify any potential inaccuracies or discrepancies.

3. Utilization of False, Misleading, and Deceptive Means : Allstate Credit Bureau has utilized false, misleading, and deceptive means in their collection efforts, violating my consumer rights. Such practices are in direct contradiction to established consumer financial protection laws. 
XXXX. Failure to Provide Required Disclosures : Allstate Credit Bureau has furnished the account to a consumer reporting agency without providing the necessary disclosures mandated by law, thus contravening 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

5. Request for Ceased Communication and Debt Validation : I dispute owing any debt to Allstate Credit Bureau and hereby revoke any rights for them to communicate with me via email, text, or phone calls. Additionally, I request immediate debt validation as per my rights under consumer financial protection laws. 
XXXX. Request for Purchase Agreement and Proof of Licensing : I also request documentation of the purchase agreement between Allstate Credit Bureau and the original creditor. Furthermore, I demand proof that Allstate Credit Bureau is licensed and bonded in the state of Michigan, as required by law. 
I expect prompt and thorough resolution of these matters in accordance with consumer financial protection laws. Failure to do so will result in further legal action to protect my rights as a consumer. 
Please acknowledge receipt of this complaint and provide a timeline for addressing these issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX Public Records are being reported incorrectly at XXXX 7 years on my Credit Reports. Not only were these records a result of my ex-wife 's malfeasance, they were satisfied YEARS ago. 
My credit is immaculate, but for these reports. I work very hard to maintain it as such. Note, the Internal Revenue Service reviewed these public records an determined that I was an XXXX Spouse based on my ex-wife 's actions, and awarded me Innocent Spouse Relief. 
I paid her debts, and divorced her. I would appreciate having the derogatory information removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has inaccurate information including a report from XXXX XXXX XXXX  XXXX company that is inaccurate. Also XXXX gives me no rating on my credit and this reflects negatively upon me making it difficult for me to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These items doesnt belong to me and I would like them removed from my credit report. It always goes against my consumer affair rights.
Product: Money transfer, virtual currency, or money service

Robinhood - XXXX ID : XXXX " We locked your account because you recently attempted to log into your Robinhood account from a jurisdiction where access is restricted. Please note before we make a phone call we are required to get some documents from you for further verification. '' Robinhood locked access to my funds while I desperately need it ( father needs a big XXXX for XXXX resection and need the money to proceed ). I have contact support but I get automated replies via email, I went to social media and finally got a response to upload documents for verification which I promptly did. After that, they went silent, I'm unable to call them as the number provided doesn't go to an agent, unable to chat with them via the app as my account is locked. No time frame is provided to resolve this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the company as I the bi-weekly payment is astronomical. I pay more than {$600.00} a mo. on a {$3000.00} loan. 

In my contract, I saw there was no interest rate. That makes it more like a payday loan. They charge a fee plus fee. I pay more to them than my XXXX dollar car. 

I asked if they had a conversion option. Something that would roll it into a interest loan so I could start paying it down. 

They said no and if I didn't make my payment, they would garnish my wages. End of story. 

Sadly, my financial situation changed. I am now sole supporter for my household and can not afford this. I fear default is my only option. They won't work with me.
Product: Credit card or prepaid card

I filed a dispute with Chase Bank for a charge on my credit card. 

The XXXX  " XXXX '' sold a case of 3M masks for {$350.00} on XXXX. The regular price was about {$40.00} before COVID-19. I bought this one since everyone was worried about COVID-19. However, it was price gouging. I found it out price gouging is illegal in Texas and my friend gave me some masks. 

XXXX only gave warning to this seller. 

So, I rejected the delivery. The bottom line it that I don't have the item. 

Chase bank offered refund so I stopped dispute with XXXX. Then, Chase recharge. The Notice from chase provided XXXX 's response with call me a scammer just because exposed this XXXX  's illegal price gouging. 

Chase bank doesn't have anyone answer telephone ; I couldn't speak to anyone regarding the case. 

Since rejected package used the same tracking number, so it doesnt ' update the tracking information. 

It is unfair for Chase to recharge me.
Product: Debt collection

i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Urgent Request for Investigation and Deletion of Inaccurate Information Account Name : XXXX Account Number : XXXX Dear Experian and CFPB, I am writing to formally address significant inaccuracies and misleading information present in my recent credit report that require immediate correction. The outdated and unverified data not only misrepresents my financial history but also poses a serious threat to my creditworthiness. 



The following discrepancies have been identified : 1. **Misleading Account Status** : The report indicates an " Account Status '' of " open '' with a " Monthly Payment '' of {$1800.00}. This high payment and the balance of {$200000.00} create confusion regarding my actual financial obligations, particularly when there is no clarity on the nature of the account. 



2. **Outdated and Conflicting Information** : The " Last Reported '' date of XX/XX/year> does not align with the " Date Last Active '' of XX/XX/year> and the " Date of Last Payment '' of XX/XX/year>. This inconsistency raises concerns about the accuracy of the information reported, which is in violation of the Fair Credit Reporting Act ( FCRA ) that mandates consumer reports be accurate and current. 



3. **Inconsistent Account Details** : The report lists a " High Credit '' of {$210000.00}, alongside a balance of {$200000.00}. The presence of such high amounts without clear context raises questions about my actual credit usage and could lead to misunderstandings regarding my financial behavior. 



4. **Ambiguity in Payment History** : The two-year payment history lacks clarity and context. The legend is not easily interpretable, which makes it difficult for me to understand my payment behavior and assess how it may affect my creditworthiness. 



5. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under the FCRA, which protects consumers from reporting errors and mandates that all information must be accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles consumers to dispute inaccuracies and seek validation of debts reported against them. 



Given these significant concerns, I request that Experian initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The inaccuracies present in this report could severely impact my financial health, and it is vital that my credit history reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two issues.

1 ) The account was settled and paid on XX/XX/22. See the attached settlement letter and bank statement showing the payoff. My credit report shows it as charged off and fully unpaid with an outstanding balance. This should be updated to reflect it has been settled and closed with a XXXX balance. 

2 ) The 1099-C I received ( also attached ) showed the entire balance plus additional interest as charged off ( and therefore increasing my tax liability ). This should only include the actual cancelled debt, less the settlement payment made and no interest. 

I have tried to reach out many times but the company appears to be out of business and the phone numbers do not work.
Product: Debt collection

A request for verification was sent to XXXX XXXX XXXX on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted XXXX XXXX XXXX via telephone at XXXX and spoke with XXXX at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the 34th day, I informed XXXX XXXX XXXX via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request. Attached are the Verification Request letter, Tracking info
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by Eastern Account Syst for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit card or prepaid card

I have a Gap credit card through Barclay, and I have been charged two interest fees every month for as far back as Barclay took over the account -- XXXX of 2022. I have only ever used the card for purchases and never cash advances. I contacted customer service but have not been able to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX  XXXX Balance : {$23000.00} will be investigated and updated from my report.
Product: Credit card or prepaid card

The XX/XX/XXXX XXXX credit report about my credit states that I opened a capitol one card on XX/XX/XXXX. I did n't. My then husband, XXXX XXXX, opened this fraudulently. I learned of this in XX/XX/XXXX when I filled for divorce. I ended up getting a civil judgement against XXXX XXXX for that outstanding debt. I paid the capitol one debt in XX/XX/XXXX that had been sold to a debt collector, attorney XXXX XXXX XXXX. However, capitol one refuses to remove this from my credit report, showing this account as a charge off which is untrue. Capitol sold this outstanding debt to a debt collector. By the time I had thecivil matter settled in the courts, capitol one refused to allow me to pay the debt. Capitol one referred me  to the debt collector to resolve the matter, which I did. I need help correcting the credit report to reflect what actually happened.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX