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

We received letters dated XX/XX/2020 from GM Financial on XX/XX/2020 indicating that our application for credit was declined. I have attached these letters. I have requested the reasons and backup documentation for this declination five times, beginning with the first letter to them on XX/XX/2020. The last request was in a formal complaint to them on XX/XX/2020. The five contacts I have made attempting to get the required information from GM Financial are outlined in the XX/XX/2020 complaint. I have attached the verbiage of this online complaint. 

I have also attached the postal evidence that GM Financial received my two mailed, hard-copy requests. In addition to these three contacts with GM Financial regarding this matter, I also outlined the problem in a customer service feedback form to them online and spoke with a customer service representative over the phone ( who told me he could give me no further information ). 

In spite of GM Financial 's requirement to provide this information under the FCRA, all five of my requests have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX  : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX which raises concerns about the security of my personal data.
Product: Checking or savings account

I opened a chase personal checking account and transferred founds onto it.

Chase closed my account a month later and never issued a cashier 's check with the remaining balance. 
Called the bank over 20+ times and all they said is the check is under investigation. I have been waiting for 7months since this happened.

My account had 4 transaction since I opened, impossible to take 7 months to check 4 transactions. 
Chase didn't give me any information why they closed my account and what they investigate about.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at CONSUMER PORTFOLIO SERVICES under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2600.00} -This is not my account.
Product: Credit card

There is no problem with Experian company my credit report, but they have Experian accounts registered with my name, SSN e-mail ( XXXX XXXX XXXXXXXX ). Among them, there is an account registered by XXXX XXXX XXXX using my name and SSN e-mail ( XXXX @ XXXX ) to apply for a credit card. Although there is no such information in my credit report, the e-mail you sent to me, XXXX, has this information. I request that you close the Experian account registered by him and notify these home loans, car loans, and credit card companies to close his illegal account.
Product: Credit reporting or other personal consumer reports

been dealing with unauthorized used of my personal information. Which results in unauthorized items on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no information about this, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Mortgage

Dear CFPB, I 've contacted you on numerous occasions concerning XXXX, my ex-husband interfering with a claim he has no right to. XXXX XXXX XXXX XXXX, and now most recently known as XXXX XXXX XXXX Who by the way receivived payment for a fraudulent MERS # XXXX was paid to Kyanite on XX/XX/XXXX after Metlife home Loans had been Paid XXXX XXXX but you do n't want to hear that they 're crooks. 
how many time does a null and void have to be paid? 

wwhy does n't somebody do some real investigating over there, rather then just ask a deceitful unlawful company. ( probably a XXXX corporation for all we know. Ill tell the hacking on my pc is surely sofisicated., But we wont go there now.mAllow mke to just tell you the facts .... 
Yes. 1. Metlife was paid off for underwriting errors and omission 's XXXX -- XXXX for XXXX for loan # XXXX. XXXX was paid by Mers ( XXXX ) on XXXX for loan # XXXX XXXX XXXX XXXX and Metlife Home Loans all agree that a MERS # was not on this loan. Please call and verify this ... XXXX ( Kyanite ) was Paid for this unregistered MERS #. XXXX. 
3. XXXX know I had contacted them clearly up to the sale date as to where they were getting back to me. 
XXXX Canceled my homeowners insurance with XXXX just XXXX day after they received their payment XX/XX/XXXX. Not even a month into my said redemption period. 
Redemption period ..hell they deemed my house as abandoned 4 days after the XXXX sale. yes XX/XX/XXXX XXXX sent an acquisition of abandonment to the IRS stating that my home had been abandoned. 
So XXXX was probably paid by their securing entity because they do not use the MERS system as an insuring instrument. 
Metlife put in for their claim because they had realized that XXXX Of XXXX Mortgage had done her own underwriting charging us and telling us that XXXX would be do it. 
XXXX XXXX XXXX and owner of XXXX mortgage .absconded with the XXXX from what her title work read. why would the title work of loan amount of XXXX only insure it for XXXX idk.. 
Bottom Line ... this Loan is paid for and probably more then once..Let me know if you 'd like the supporting docs. you have many of them them btw the Note has XXXX dates XXXX & XXXX. JMC charged us XXXX for underwriting ... and she did it. 
From the results that I 've received in the past your workers are not through enough to receive results, that can help me find relief. I guess I 'll just have to seek the newpaper if I want to see some possible results. 
By my quirerey ... did n't you find it odd that XXXX said that they would have to get permission from the consumer ... .I thought I was the consumer.. or are my findings correct. they have already sold my house..Way back in XX/XX/XXXX ... 

Sincerely Disappointedthat you allow our Government to repeatedly pay for phantom ..mortgages, just because you will not take the time to truly research my concerns and complaints. 
XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went into XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MA XXXX, to look at a few mattress options for potential purchase. The salesperson, purporting to be the store owner, showed us a few mattresses. He then asked if he could run my credit to see if financing was available. He took that information orally and typed into the computer. At no point was I shown, nor did I sign, any paperwork agreeing to be extended a line of credit, or signing up for a credit card. I left the store without purchasing a mattress. Today, I opened my mail and found that I have been signed up for a Synchrony credit card without my knowledge and against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been ignoring all my recent disputes and answering with the same thing over and over. The Results Of Our Reinvestigation >>> We have reviewed the identification information. The results are : N : MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILE PLEASE VERIFY THE MEMBER NUMBER AND RESUBMIT YOUR DISPUTE ONLINE. 

They are ignoring my letter and stalling my process to fix innacurate info I demand a proper investigation on all of my letters.
Product: Debt collection

I was in the XXXX for a week my second year of college in XX/XX/2016. When I got out I never heard anything for a year when I got a phone call from a debt collector. I was asked to pay my outstanding balance around {$500.00}. I paid immediately and have since found that I have 9 derogatory marks on my credit report. They were all from one stay in the hospital and were paid as soon as I was notified. They may have notified my parents, but that was never brought to my attention because of our relationship.
Product: Credit card or prepaid card

Synchrony Bank has closed my value city credit card account, which has also removed my ability to pay, unless paid via a phone call all access to payment functions online and in the app have been removed. O would like to ensure that they are not allowed to mark my account delinquent.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX  report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting XXXX  to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute Under 15 U.S.C. 1692 ( c ) Incorrect Reporting of Accounts Dear Experian, I am writing to formally dispute the inaccurate information listed on my Experian credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). The following accounts on my credit report are either inaccurately reported or do not belong to me : XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. Child Support Enforcement Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the FDCPA, I am requesting that you verify the accuracy of these accounts immediately. If any of these accounts can not be verified, I request that they be promptly removed from my credit report, permanently deleted.. 

Please send me a written statement confirming that these disputed accounts have been removed or corrected on my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX They didnt delete accounts..
Product: Credit reporting or other personal consumer reports

Stating that incorrect information was being removed but it wasnt being removed and if it was removed it would come right back. Incorrect balances.
Product: Credit card

After being approved for the Apple Card in XX/XX/2023, we used it to pay for heavily needed items as our financial struggles began to grow. I have several documented attempts to make payments towards my {$2000.00} XXXX credit card but each one has been declined for reasons that are still unknown to me. I have reached out several times to Apple and Goldman Sachs through their messaging systems and via phone calls. I've becoming extremely frustrated as I'm unable to provide a place to live for myself and my family. I'm also unable to build a financial future and save money, as my current bills are always being both early and on time.
Product: Debt collection

Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. 
XXXX XXXX XXXX XXXX XXXX Notary Signature : XXXX