23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

As the result of receiving XXXX XXXX ' XXXX/XXXX/16 Late Payment Reporting Notice ( attached ), I visited XXXX on XXXX/XXXX/16 in order to request or review my credit report for responding to same. 

Since Equifax Credit Services now offers the ability to review and dispute negative account entries online, I initiated an Online Dispute of the XXXX/XXXX/16 XXXX Past Due Payment entry. In addition to indicating the account was in Dispute and providing the CFPB Case # ( XXXX ) covering same, I also uploaded copies of my communication w/ XXXX containing details of the XXXX actions that resulted in the dispute. The uploaded documents were the same documents submitted to the CFPB in support of the above case #. 

As opposed to flagging the XXXX Past Due Payment entry as Disputed and adding the documents uploaded in support of same, Equifax 's alleged 4 day investigation instead resulted in corroborating w/ XXXX to remove my Clear Card payment history in an attempt to bias and/or distort the circumstances surrounding the XXXX/XXXX/16 late payment entry. A copy of resulting Equifax investigation response is attached.
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

XXXX 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XXXX XXXX XXXX, I placed a stop payment against My Essentials through my bank, Capitol One XXXX. On XX/XX/2023, Capitol One 360 allowed My Essentials to overdraft my account in the amount of {$23.00} when I had a stop payment against this vendor. This put my checking account ending in XXXX in the negative. I contacted Capitol One 360 on Saturday, XX/XX/XXXX and spoke to the Customer Service Dept. who transferred me to claims. I explained the situation and they refused to immediately return the {$23.00} to my account. Instead, they proceeded to file a claim and carry on about how long it will take them to resolve this when they created the error in the first place. I then contacted Capitol One XXXX again on Sunday, XX/XX/XXXX and spoke to a Customer Service Agent named XXXX. I asked to be connected to a Supervisor. The Supervisor 's name was XXXX but she said she had to transfer me to the Claims Dept. again to get my money back. I spoke to a person named XXXX in the Claims Dept. who insulted me by saying it would take ten full days for them to give me my money back which Never should have been taken out in the first place!!! I proceeded to tell XXXX that I would contact the Consumer Financial Protection Bureau since they should have returned my funds immediately and Never have allowed this to happen in the first place.!!!
Product: Credit reporting or other personal consumer reports

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked XXXX TRANSUNION AND XXXX TO REMOVE FRAUDALENT inquiries XXXX XXXX  XXXX  ( bank ) XX/XX/XXXX, XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX /XXXX  ( Construction ) XX/XX/XXXX, XXXX  XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & # XXXX ; XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
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 {$4900.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is a follow up to the initial complaint ( XXXX ) whereas NMAC responded XX/XX/XXXX24 insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( NMAC ) not XXXX XXXX Nissan which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through Nissan 's site that it would only be pulled for NMAC financing. You can even read the correspondence that I provided copies of that the loan application was submitted Nissan 's website and it should be the responsibility of Nissan and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and NISSAN needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX2023 I was in the process of searching for a vehicle and came across Nissan in XXXX, NC ( XXXX XXXX Nissan ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for Nissan financing prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for Nissan financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all Nissan and Nissan partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. Nissan is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Product: Checking or savings account

I had one checking and two savings accounts at Citibank. On XX/XX/XXXX someone walked into Citi branches in XXXX XXXX I live in XXXX  ) and deposited fraudulent checks into my account and made fraudulent withdrawals. Citi alerted me and I blocked and closed my accounts and opened new opens. I also went to the branch and told them which deposits and withdrawals were fraud. Two months later, after visiting the branch for the fourth time and spending at least 7-8 hours there, as well as having to call Citi and spend at least 6 hours on the phone with them, they still just started investigating. In the meantime, XXXX is calling pretending to be Citi asking me for personal information and no one is doing anything to shut them down, they arent part of Citi. 

Citi is a complete mess and not helping me sort out the fraud and there is ongoing fraud with this number calling me.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, TransUnion and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, TransUnion, and XXXX   only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Product: Debt collection

I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate fraudulent information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account. I ask that these items be removed immediately to correct my credit report.
Product: Vehicle loan or lease

I got a auto loan with Honda Finance Service XXXX  : //my.americanhondafinance.com/XXXX My ACCOUNT # XXXX. 
I purchased XXXX XXXX 2019 with Honda financial service fixed rate. 
I have been monitor my account & they changed the payment amount & sometimes, they debited double without changing the payment term. 
I request audit my loan account. 

American Honda Finance Corporation XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for Transunion from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Debt collection

Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.
Product: Mortgage

I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?
Product: Payday loan, title loan, or personal loan

I send an email to them Revoking any and all future authorizations to debit my bank account, according to my CFPB rights On XX/XX/2020. This morning XX/XX/2020, I see an unauthorized AUTOMATIC DEBIT WAS TAKEN FROM MY ACCOUNT in the amount of XXXX, after they had responded to my email saying they would not do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Product: Credit reporting or other personal consumer reports

A dispute has been submitted for a public record listed in my file. I have confirmation from the bankruptcy court proving that they don't verify any information to any reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Consumer Loan

In XX/XX/XXXX my wife and I went to Huntington Bank and asked for a mortgage loan, and we were granted what we thought was a mortgage, because they took the deed as collateral, and in XX/XX/XXXX we went back to Huntington Bank to try to refinance, found out we did not have a mortgage but rather an installment, and could not refinance to a lower rate. The rate on the loan is 9.49 % Also we did borrow more money from Huntington Bank as a line of credit in XX/XX/XXXX, for a rate of 4 % abd when the line of credit was due, we did not have to money to pay it off, so they gave us a modification at a rate of 5.5 %. When we took the line of credit, we were told when it was due we could put the installment loan and the line of credit together and refinance the both of them together. When we tried to do that, the bank said we could not do that. feel we were mislead on this whole process, and we should have been able to refinance at a lower rate. Just the installment loan alone will hace cost me {$180000.00} for a {$95000.00} loan
Product: Bank account or service

A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of fraudulent Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX, for {$17000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates Customer Financial Protection Act ( CFPS ). Specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant and inconvenient financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate public record in my report as soon as possible Bankruptcy XXXX XXXXdischarged US BKPT CT XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX ( XXXX ) and closed onXX/XX/XXXX. Part of the closing costs included paying the interest that would accrue fromXX/XX/XXXX -XX/XX/XXXX, so as ofXX/XX/XXXX I technically owe {$0.00} in interest as it has been paid. <P/>I borrowed {$240000.00} at 4.25 % on a 30-year note with a {$1200.00} P & I payment ( excluding escrow as it does not impact this issue ). <P/>My first payment was/is dueXX/XX/XXXX and I paid it onXX/XX/XXXX. On XXXX 's website the payment shows the payment 'Applied Date ' and 'Effective Date ' asXX/XX/XXXX. So from XX/XX/XXXX toXX/XX/XXXX approximately {$460.00} of interest has accrued on the principle balance ( math on this calculation below ). 4.25 % ( rate ) / 365 ( days in year ) x 16 ( days of accrued interest ) x {$240000.00} ( principle ) = {$460.00} XXXX applied the payment showing that {$870.00} was applied to interest and the remaining portion of the payment went to principle. I called multiple times to have my payment applied correctly so that I paid the interest accrued to date of payment, but they are stating I must pay all of the interest for the month which is in violation of Fair Lending laws.