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

The Situation : On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX XXXX to inquiry about financing a vehicle. Upon arriving, I was greeted by XXXX XXXX. XXXX begin asking what my XXXX XXXX XXXX XXXX was and how much I was earning a month in income. I told him what I believed the score to be at the time and I told him how much I was making exactly a month in my career. Afterwards, we proceeded to look at cars based off the information I shared. Afterwards, we went back inside the dealership to see what the banks would approve me for in credit. Upon running the XXXX credit, I was approved for a XXXX XXXX XXXX that had a price for {$20000.00} based upon what the contract says. After submitting my bank statements, proof of income and credit financing application XXXX came from the financing office and told me the banks required me to put down cash in order to drive the vehicle off the lot. Not knowing the federal law at the time, I negotiated what he claimed was being requested to be put down so I put down {$3500.00} to drive off the lot via ACH method. The complaint I have is that XXXX XXXX XXXX XXXX XXXX violated federal law and dishonored their obligation to uphold Truth In Lending. The first violation of federal law is found in 15 U.S. Code 1605 - Determination of finance charge - ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

(

2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Product: Credit reporting or other personal consumer reports

I request that [ EXPERIAN ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Product: Bank account or service

Regions bank withheld a transaction from my account for over 10 days then decided to take the money out when the funds were no longer available. It caused small transactions from XXXX dollars to XXXX dollars to overdraft my account. Causing XXXX dollars in overdraft fees.
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, there were errors that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These false accounts didnt disappear after refreshing, and now Im really anxious. Im asking for the documents Ive sent to be reviewed thoroughly so I can finally put this behind me and not live in constant worry.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Act ( FCRA_to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues. such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responds, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as XXXX XXXX, XXXX and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Illegal Re-Aged Account : When I disputed the account through Experian in XX/XX/XXXX XXXX XXXX XXXX re-aged the Account. The credit report dispute shows the date of first delinquency to to be XX/XX/XXXX. XXXX XXXX XXXX has reported this negative for 9 years so far. The other Credit reporting agencies removed the account, Experian has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I have placed all credit bureaus on notice. XX/XX/XXXXjust informed me that they contacted TD/BANK USA/TARGET CREDIT. TD/BANK says the account is accurate. 

TD/BANK will not supply any information used to open the account -- - where it was opened, what was address used, what was the telephone number used, how did they verify, signature. 

THE ACCOUNT IS FRAUDULENT AND I DID NOT OPEN IT OR THE SEVERAL OTHERS. MY CREDIT WAS PERFECT!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.
Product: Payday loan, title loan, personal loan, or advance loan

Called and ask to borrow {$700.00} dollars in XX/XX/2024 received money that night. They were taking out {$260.00} a month. Called them at XXXX on XX/XX/2024 the person on the phone said the payoff was {$790.00} dollars. I said how could that be he wouldn't give me the % rate. Ask to speak to a manager he verified the payoff said the % was XXXX and that the payments would go on for 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and an account was created under my name a social with XXXX XXXX in XXXX of XXXX. I contacted the company immediately to let them know this account is not mine and it needs to be investigated removed. I was told there is nothing they can do and they apologized for the mistake. Months later late payments are being reported on my credit report after I have contacted them and told them this was not my account and even had a police report filed in XXXX of XXXX. It is now XXXX of XXXX and every time I try to dispute this with Experian they keep sending me an error message saying " We're experiencing technical difficulties and can not access your report at this time. Please try again later. '' This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, XXXX XXXX Account was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay XXXX full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX  years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.
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. 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 has violated my rights. 

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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: Checking or savings account

1. On XX/XX/23 my Chase checking account/Visa debit was charged a total of {$1000.00}. This was in the form of 3 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. The 1st charge was sent at XXXX XXXX. The 2nd at XXXX XXXX. The third at XXXX XXXX. These charges were not authorized. 
2. On XX/XX/23 I noticed the charges as pending when checking my Chase account. I called the Chase Customer Claims department at XXXX to report the charges as unauthorized/fraud. A fraud claim was opened with Chase under claim number XXXX. My Visa debit card was cancelled and a new one was issued. 
3. On XX/XX/23 Chase issued a temporary credit of {$1000.00} to my account while they did their investigations. 
4. On XX/XX/23 Chase finalized my fraud claim stating the charges were found to be authorized and reversed the credit of {$1000.00}. 
5. On XX/XX/23 the three charges of {$350.00} were rebilled to my Chase checking account removing the total of {$1000.00} from my available funds. 
6. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to see what documents or items I could send to reverse their decision and show the charges were fraudulent. They were going to relook at my claim and contact me. 
7. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire where the claim was and if they had reversed their decision. I also faxed them a letter from the Chase Fraud department showing that other charges from XXXX from XXXX XXXX were confirmed to be fraud. 
8. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire if they received my faxed documents. The agent stated they had and that my claim was still denied. I asked if the Chase Fraud Department found the charges to be fraud from XXXX XXXX, then why did the Chase Customer Claims not find them to be fraud. The agent stated they couldn't tell me and all they could do was send me the information that was sent to them from XXXX XXXX. 

At this point I have spent over 2 months trying to get the {$1000.00} refunded back to my Chase checking account. The Chase Fraud team found the charges to my Chase credit card from XXXX XXXX as fraud. There is no reason that Chase continues to refuse to do a permanent refund of {$1000.00} to my Chase checking account.
Product: Debt collection

XXXX XXXX XXXX XXXX & ABILITY RECOVERY SERVICE filed on my credit report on XXXX claiming I owe them when I never received any services from them and have told the company I never gotten any medical help from first responders at all in the last 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I hit a deer on my way to work and I had insurance as well so the insurance did there part and paid but for some reason the bank ( XXXX XXXX XXXX ) in XXXX XXXX said they never received the payment. So I have been back and forth with the bank and insurance company about this and now I notice that the bank has put this debt on my credit so I called the bank and the insurance on a 3-way call and got to the bottom of this so come to find out the check was at the bank the whole time so the ending of this story is that my vehicle was wrecked then the bank repossessed the vehicle at the body shop and put the debt on my credit file now the worse part is that the bank found the check and took my vehicle and left me with nothing and ruined my credit so when I reached out to the bank they said that there was a left over balance but I had gap insurance and the Bank response was we reached out the company that carried your insurance but no answer so it looks as if I got the screws on this but I'm not taking this and this has a negative impact on my credit and I need some help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX way XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX way XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX PM A Coinbase employee called my mobile device and informed me of a potential hack of my Coinbase account. They provided very detailed information about me and my account. I asked for more verification that they were from Coinbase? See image 3099- Coinbase verification letter. I verified this information as in fact Coinbase. I was asked again for sensitive information to solve these hack and again I asked for more verification a text was sent to me from Coinbase- all url and domains check to be correct see image 3095 I then gave this Coinbase employee my 12 word passkey and the contents of my Coinbase wallet was emptied Value {$1400.00} see image 3098 Coinbase Compliance has yet to offer any help with this issue.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking of any information resulting from identity theft or fraudulent activity.

Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3500.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following account number XXXX ( XXXX XXXX XXXX XXXX ). stated that I had a late payment. I never recieved the statement for this month. I asked the creditor and the credit reporting agency to validate and provide proof under the fair credit act that this was properlhy recorded. NO information was given. Please remove this immediately