23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My card was charged without permission for one change and another charge which is duplicate charge I was suppose to be receiving a refund for. I rented a vehicle through XXXX for dates XXXX in XXXX XXXX XXXX On XX/XX/2022 I was in a dispute with my boyfriend who left me stranded and took my rental key in XXXX XXXX which I had called XXXX to pick me up and give me a new vehicle upon swapping vehicles since I didnt have the key at the time I was informed I would be charged XXXX for the key and taxes and once I returned the key I will be refunded the total charge that day was {$810.00} which was key fee and an extra day rental fee because it was suppose to be returned to XXXX XX/XX/2022 but an extra day had to be added due to this issue. On XX/XX/2022 at XXXX at XXXX XXXX rental I returned the key I asked for a recipe the was not able to give me one so I took a picture of me giving the XXXX worker the key on hand with they key details so it would be seen it was for previous rental. The worker advised me I would receive a refund in 3-4 business days. I waited a week and checked my back about to find another charge in the amount of XXXX which was not authorized I called XXXX and they informed me it was a key fee at this point im frustrated because I was suppose to receiving a refund for the 1st key fee and I advised I already was charged and was suppose to be receiving a refund. The rep at XXXX on the phone had told me he could not seen the charge for XXXX dollars and after that I advised I will just dispute with my bank for an unauthorized charge and a refund charge. The bank did not properly do the claim because they upheld false charges from a receipt that doesnt details what the charges were for after I already explained on the claim I was charge 2 times for a key that I have picture proof i returned I reached back out to XXXX XX/XX/XXXX and spoke to a supervisor names XXXX who informed me he did see both charges and would issue a refund of XXXX and I would need to show proof of key return for a refund of the second charge of XXXX. He provided me an email which I sent the picture to and a week later I called to check on the refund on XXXX and if the picture was received for the XXXX refund of XXXX which I was advised XXXX did process the refund but it was rejected because I already disputed through bank and a contact they have with disputes is that it is no longer they responsibility and whatever outcome the bank gives is the final. I reached back out to the bank with no assistance from the mangers or anyone and out of XXXX dollars. So Im filing a formal complaint and will be sending a demand letter for the charges including damages fees and this gas cause. I submitted one claim Number but there are 2 one for {$810.00} and 2nd for {$440.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX Account # 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
Product: Vehicle loan or lease

On the XXXX of XX/XX/2022 I went to Lamborghini XXXX dealership for a consumer credit transaction and was denied and I was asked about my XXXX XXXX identification documents other rights were violated in the truth in lending act, XXXX, and etc by both parties Lamborghini XXXX and Porsche financial..both partys failed to comply with 15 U.S. Code 1611 and committed several acts pursuant to XXXX5 U.S. Code 1692e 1. I provided my bank account statements as requested by Lamborghini XXXX because I was self employed then I told them the organization/Corporation that supports me financially is a religious/education related purposes corporation/private organization and they intervened by asking what does ( it ; you ) ( organization ) do and then asked to see that bank account for the organization..TILA prohibits creditors from acting in a self-seeking manner XXXX especially when to the detriment of the client..I was Discouraged from continuing the credit application with 0 ( zero ) money down by Lamborghini XXXX dealershipLamborghini XXXX representatives kept saying you not going to get approved I already you are going to get deniedyou got to put some money down..also said verbally your denied because you have no credit or a previous + $ XXXX installment loanI Am only Exercising in good faith The rights under the Consumer Credit Protection Act and Enforcement of the Truth in Lending act..I have audio for the recording stating that vehicle I wanted has a finance charge..I called one of the companies the dealership sent my file to called Porsche Financial I asked them for a financial manager/supervisor and they would not transfer me and kept saying we cant assist youa woman I spoke to hung up on me ( recorded audio ) ..after several attempts I got to someone that assisted me with taking my information about my credit transaction in the underwriting department..name was XXXX ( XXXX ) XXXX said that he would pass on the information and contact the dealershipLamborghini XXXX told me that Porsche financial requirements a down payment at least {$100000.00} ( audio ) more information/evidence/discovery will be disclosed if I file a complaint in federal court
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX the verbiage on the XXXX XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Unauthorized inquires on my credit report. That was not authorized by me. 


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

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. Owner has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing distress as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should remove XXXX XXXX XXXX from my credit report immediately due to the fact that they have violated my rights under the Fair Credit Reporting Act, Section 611 ( c ) which clearly states and I quote Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' In a credit report dated XX/XX/2022 that Equifax sent to me they fail to mention that the XXXX  XXXX XXXX account number XXXX was disputed by me and that I have been disputing the accuracy of this account for over 8 months now. The last dispute concerning the XXXX  XXXX XXXX account was received by Equifax more than 30 days before the printing of this credit report dated XX/XX/2022 but yet Equifax failed to mention on the credit report that this account was disputed by me. I have attached a copy of the credit report sent to me and highlighted the violation. The highlighted violation can be found on pages 11 & 12 of the credit report. ( kindly see file attached ). Equifax refused to place this statement on the credit report which is a violation of the Fair Credit Reporting Act and according to the Fair Credit Reporting Act such a violation warrants the immediate deletion of such an account from a person 's credit report. Because of this violation Equifax is liable for a {$1000.00} fine. 
Kindly delete XXXX  XXXX XXXX immediately from my credit report. A failure to do so will result in me taking legal action against this company for violating my rights under the Fair Credit Reporting Act.
Product: Debt collection

I have been receiving phone calls from a XXXX XXXX from High Point Asset. He claims he is a debt collection agency for a payday loan the went partially unpaid in 2010. He was unable to give me any additional information on the debt. He was n't even able to tell me who I owed the debt to, but insisted I pay him over the phone to avoid legal action. I told him I did not believe I owed any thing and would look for the missed payment in my bank records as payday loans are withdrawn electroniclly.He Said even if my bank records showed I paid the loan that was not enough proof. I also told him I needed paper work mailed to me proving that I owed the money. He stated he did n't have anything like that and the burden of proof was on me. He did email me a document ( he refused to mail anything ) that said I owed High Point Asset money but had no information about where the debt originated from. I feel very strongly that this is a scam and expressed this to XXXX XXXX. He continues to call myself, my husband and my parents ( I have not lived with my parents for more than 10 years and do n't know how he got their number ). I contacted the payday loan company that I had a loan with in 2010 and they said my debt was paid in full with no problems and cautioned me against giving High Point Asset any personal information. The phone number I am receiving phone calls from is XXXX
Product: Debt collection

Over the past few months, Convergent Outsourcing has sent me letters telling me to pay them XXXX because they 're claiming XXXX can not sue me for debt. I have asked XXXX for proof that I have any outstanding debt with them and they have stated no. I called Convergent and the moment I said I had called XXXX for proof they hung up.
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 Account number : XXXX Account name XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the Collection 2. Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3. Delete this account, because it shows a Past Due Amount {$740.00} and a Charge Off/Close Collection Account must show {$0.00} Past Due.

4. Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 5. Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 6. Delete this account, because it shows payment history N negative on a collection account in XXXX and XXXX. 

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX of the XXXX of the XXXX family am writing you today as an aggrieved XXXX. My wallet was stolen which contained my driver 's license, social security card along with my Identity in XXXX. Several fraudulent accounts were opened in my name without my knowledge and or consent. I checked my credit report last night XX/XX/XXXX and noticed several unauthorized hard inquiries on my EQUIFAX credit report. The list of hard inquiries is as follows. 

There are also fraudulent addresses listed on my XXXX report. I have never resided at XXXX XXXX XXXX XXXX XXXX, OR XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX or XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove these fraudulent addresses from my report. 

There are also fraudulent accounts listed in my report. XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX BANK is a fraudulent account. XXXX BANK is a fraudulent account. Please remove from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX of debt bondage. all 3 credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on active military duty I have become a victim and this situation is very depressing to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the XXXX. I have attached appropriate documentation ( XXXX XXXX victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} thank you and again, please consider the fact that I am on army duty fighting for OUR country and you are completely ignoring and violating my RIGHTS as a human being. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance regarding an ongoing issue with Bank of America, which has caused considerable frustration and financial strain. 

Approximately XXXX months ago, I used my Bank of America credit card to pay for a cruise. Unfortunately, the cruise was subsequently canceled, and I was promised a refund. After waiting for several weeks without receiving it, I had no choice but to rebook the cruise using a different credit card. 

Since I did not receive the promised refund, I contacted Bank of America for clarification. They advised me to open a dispute regarding the matter, which I did in good faith, expecting a resolution. However, the process has been anything but smooth. 

Bank of America has repeatedly requested the same documentation, and despite my efforts to provide them with the relevant informationsuch as the credit card statement, payment details, and confirmation of the new bookingthey claim they either did not receive the documents or do not have enough evidence to support my claim. They have also declined my claim without adequate explanation, which has left me feeling both frustrated and powerless. 

I believe that I have provided ample evidence to substantiate my case, and I am concerned about the unprofessional handling of this dispute by Bank of America. As a consumer, I feel that I deserve a fair resolution to this matter. 

I would greatly appreciate any assistance or guidance you could offer regarding how to proceed with this issue. Your expertise in consumer rights would be invaluable to me during this challenging time. 

Thank you for your attention to this serious matter. I look forward to your response. 

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

A payment that did not arrive on time and because they robbed my bank account and I could not pay that month on time, I called them to give me more time and they made that payment late and that account is paid in full without any late payment I have already spoken many times and they don't give me a solution
Product: Debt collection

I have received three to fouXXXX suits/judgements to garnish my wages despite the collection company validating the alleged debt. I have asked via affidavit for the collection company to verify/validate the debit. From my understanding, an uncontested affidavit stands as law. However, they have refused to respond via affidavit and have continued to pursue legal action to garnish my wages without proper verification/validation. I have recently received a judgement/summons where they have initiated garnishment action yet again after the last two orders were removed. There is also a collection company reporting derogatory information to the credit bureaus under a completely different name XXXX XXXX XXXX XXXX XXXX for this same account with a different amount showing as owed. 

The current debt collector/company that has sued or taken legal action against me is a law firm/attorney. A debt collector can not be an attorney. Due to this, this is a violation of 15 USC 1692e. ( 3 ). 

The most recent garnish summons ( attached ) shows the following : Statement : {$2800.00} ( Judgement principal ) {$2800.00} ( Credits ) {$230.00} ( Interest ) {$59.00} ( Judgement costs ) {$710.00} ( Attorney 's fees ) {$210.00} ( Garnishment costs ) Total balance due : {$1300.00} ( Garnishee shall rely on this amount ) This is a violation of 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this sections : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.