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

When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by XXXX XXXX! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by EXETER FINANCE LLCXXXX , i know nothing about.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX 5 ) XX/XX/XXXX 6 ) XX/XX/XXXX
Product: Checking or savings account

To whom it may concern, I have excellent credit, and never had a banking issue in over 30 years of banking. I have a perfect banking record. I have been with the same credit union for over thirty years. My problems began when I opened a new banking account with Bank of America. The next I know Bank of America closed my checking and savings account and would not give me a reason why. I had {$5700.00} in my checking account and {$1000.00} in my savings account. In addition, they reported me to the XXXX XXXX and XXXX XXXX XXXX. I called them several times for an explanation. They stated they do not need to give me one. I stated I want my hard-earned money returned. They stated they would send two cashier 's checks, one for my saving 's account and one for my checking account. They stated the checks would be there in 10 days upon the closing of my accounts, which occurred on XXXX/XXXX/2022. I have not received those checks. I called Bank of America again about my money. They changed their story, and are now saying my money is under review, with no time line for when they would be done with the review or returning my money. This incident has been very unfair, and has made me loose trust in the " big Bank '' banking system. 
I hope you can help? 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX of 2020 two fraudulent transactions totaling {$4700.00} were posted into my checking account which I share with my dad. Each of us have a separate debit cards linked to the same account. I reside in the state of XXXX and my dad resides outside the U.S and have been in possession of his debit card since XXXX of 2020. The fraudulent debit card transaction are from my dad 's debit card from merchants located in XXXX florida, so it's impossible that either of us made the fraudulent purchase in XXXX. The only possible explanation is that the debit card was clonned. I disputed the transactions under claim number XXXX. Bofa initially closed the claim but reopened after I provided ample proof that neither I nor my Dad where in Florida during those dates. I clearly informed the bank that this situation is causing a significant financial hardship to my family and we requested a full reimbursement
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute item 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. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2015.
Product: Debt collection

National Service Bureau is attempting to collect a debt for XXXX XXXX XXXX for damages caused against an insurers property in the amount of {$5400.00}. The date of loss is XXXX. I haven't been involved in any kind of accident involving anyone on that date. I have never filled a claim or was even on the road that day. I have witnesses that can prove I was home that date. There is no way I could have been involved in an accident on a date I wasn't even on the road.
Product: Checking or savings account

My Bank of America personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from XXXX XXXX  to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called bank of america to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with Bank of America. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from Transunion. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Debt collection

CREDENCE IS ASSUMING THAT AN ALLEGED DEBT BELONGS TO ME. I DO NOT OWE ANY CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER CONSENTED FOR CREDENCE RESOURCE MANAGEMENT TO POSSESS OR UTILIZE OR GAIN FROM MY PERSONAL IDENTIFYING INFORMATION. IT IS AGAINST THE GRAMM LEACH BLILEY ACT TO POSSESS MY PERSONAL CONSUMER PROPERTY WITHOUT MY INFORMED CONSENT. NOW CREDENCE IS ATTEMPTING TO GAIN A RETURN ON A SUPPOSED INVESTMENT ASSET BY EXTORTING ME AND THREATENING TO DAMAGE MY CREDITWORTHINESS. CREDENCE RESOURCE MANAGEMENT HAS VIOLATED FLORIDA CONSUMER PROTECTION LAWS BY ALLEGING AN AMOUNT THEY SHOULD HAVE KNOWN IS NOT DUE TO THEM OR TO AT & T MOBILITY. THE POSSESSION OF MY PERSONAL PROPERTY WITHOUT MY INFORMED CONSENT IS A DECEPTIVE PRACTICE AND I HAVE NOT BEEN ABLE TO CONFIRM THE VALIDITY OF THESE CLAIMS BY ANY MEANS AS CREDENCE RESOURCE MANAGEMENT HAS FAILED TO PROVE THEY ARE IN LAWFUL POSSESSION OF MY PERSONAL PROPERTY.
Product: Debt collection

As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.
Product: Consumer Loan

In XX/XX/XXXX my ex spouse and I were purchasing a car, where GM financial required me to co-sign on the loan. In XX/XX/XXXX we split and I called GM to take my name off of the car loan as I was not a primary borrower. For a while account was not reporting on my credit but my ex let the loan go and the car was sold out at the auction. GM tried to go after me for a balance as they claim and up to this date they are harassing me with calls and letters trying to collect on the account which is NOT mine. I requested a validation of debt and they fax me a copy of XXXX stating that debt was a charge off and they filed a XXXX in my exs name. However, they are trying to collect on this charged off, cancelled debt from me in the amount of {$12000.00}. I disputed this account with all XXXX credit bureaus, however GM is still reporting this account with outstanding balance, which is hurting my credit report in a major way. They are refusing to report the balance to be {$0.00} even though it is a charged off, and cancelled debt with XXXX filed to IRS, and they are refusing to remove this account from my credit report, which it should not be reporting in first place since I was NOT a primary borrower on this car loan. I have written XXXX letters to GM by now and have called several times and all my cries and requests for deletion of this unfairly and un accurately reporting account went ignored.
Product: Vehicle loan or lease

Yes I have a XXXX XXXXXXXX XXXX and the financial center US Auto Credit in my opinion is being fraudulent with my payments for a car that's not worth the balance for the money in repairs I put in on the vehicle. They have pass my information fraudulently from other companies. I'm hoping you can help me out on investigating US Auto Credit on how they do business.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXXXXXX XXXX XXXX  XXXX, XXXX SC XXXX My employer is : XXXX  Please correct this XXXX  information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information Also known as : XXXX, XXXX, XXXX  Also known as : XXXX XXXX Also known as : XXXX, XXXX, XXXX  Also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : XXXX XXXX  XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX  XXXX {$5.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3600.00} XXXX XXXX  XXXX XXXX A XXXX XX/XX/XXXX {$1800.00} XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX  XXXX XX/XX/XXXX {$2600.00} - Duplicate XXXX  XXXX XX/XX/XXXX {$1800.00} - Duplicate XXXX  XXXX XX/XX/XXXX {$3600.00} - Duplicate Late Payment : XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries : XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Numerous phone calls before and after filling of bankruptcy. Harassment and ongoing calls from company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach.
Product: Credit card

I received an offer in the mail from American Express for {$250.00} Cash Back after spending {$1000.00} on the card within 90 days to apply for the XXXX card. Offer expired XXXX/XXXX/2016. I applied XXXX/XXXX/2016 ; was approved - spent over {$1000.00}. I received credit of {$100.00}. I have the offer which does n't state anywhere a code needed to be entered. I do n't rememer there being a field or asking for a code. I 'm told by AmEx customer service they would have pre-filled in a code. My complaint is this is deceptive advertising making me believe that since I was applying for the card described on the letter in my name I would receive {$250.00}. Deceptive as I was n't told on the letter I needed to enter a code - and in addition not being asked for a code. I 'm told by AmEx they ca n't change the promo - nothing can be done. I plan to file a legal complaint, if they do n't honor their advertising.
Product: Credit card

U.S. Bank helped me open a Triple Cash Rewards business credit card back in XX/XX/year>. I opened as a Sole Propreiter using my legal name and social. The promotion they gave me was if I spend a certain amount in three months, I would earn {$750.00} in cash back rewards. I finished the spend sometime in XXXX, and was told my rewards was on the way. 

In XXXX, before the rewards actually cleared in my account, I logged in and noticed that I had a Central Bill Account and a Credit Card account when i logged in. Though I had only been approved for one credit card, I now apparently have two billing accounts in their system. On XX/XX/XXXX ( or somewhere around there ) i called them and asked why I had a central billing account, and if I could eliminate that. The person told me it would be easy to combine the billing and remove the central billing account and allow me to just view one account with one balance. Just to simplify things on my end, since I am a sole proprietor and have no use for a central billing account. I agreed, and was never told it would affect me in any way, other than simplifying my billing. 

A few days later I notice that my rewards balance dropped to {$0.00}. I call in and the customer service agent was surprised that my balance was at {$0.00}. I had around {$79.00} in rewards earned from spending, and they were gone. I was supposed to earn {$770.00} on the next statement. So in total, {$850.00}. She apologized and thought it was strange that I would lose rewards for changing from a central billing account to one bill. She said she would submit a request for review, and that I should hear back from them soon and see the rewards balance most likely at the next statement. She was very kind, and someone from their team even added an additional {$75.00} reward for my trouble. This was all good up until now, And I just waited patiently for a a few weeks. 

As of XX/XX/year>, I don't see any rewards, so I call them again, to see if there is an update. A different customer service agent tells me that the team that handled my previous request reviewed my case and determined that because I closed the account I lost all the rewards. This makes no sense, as I never actually closed the account, I simply asked for one way to pay the bill. I still have my credit card, and I can still use it. Nothing ever changed in reality. 

I was never informed that I would lose my rewards if I merged my billing account, and if I did I would NEVER have done that and would have simply put up with the inconveinence of having a central billing for myself.