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

My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a Honda XXXX XXXX for 36 months. After that I had a 6  more months extension. All 42 payments were made on time. Now Honda Financial Services presents my already closed account in XXXXXXXX XXXX XXXXXXXX, as a 48 Month Lease and as delinquent. I have never signed for a 48 Month Lease with Honda Financial Services, it's a lie. Honda Financial Services must present as proof a copy of the 48 Month Lease, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the Manufacturer 's Warranty. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the Repair Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like SpongeBob Square pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the General Manager, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called Honda Financial Services and explained to them the situation. After a few days, Honda Financial Services Reported my already closed account as delinquent, and as the result my Credit Score went down almost 70 points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my Lease Term. The car, Honda XXXX XXXX, is criminal evidence now, until the case is resolved. Honda Financial Services started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of Honda Corporation are involved in such criminal activities!!! Shame! Here is a factual reference : Honda XXXX XXXX Criminal Investigation Filed XXXX XXXX Num XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonableXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX  time writing you to update my personal information. Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My active address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( ALL OTHER ADDRESSES ON FILE ARE NOT MAILABLE ADDRESSES ).
Product: Vehicle loan or lease

Acura Financial Services keeps calling me at work. I don't have a loan with them -- don't even have an XXXX. I called them today to let them know they're calling the wrong person AND they're calling me at work and asked them politely to stop calling. Their response was " the telephone number is listed on someone's account and until they change it, they'll keep calling. Their number is XXXX. Appreciate anything you can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Charge XXXX I contacted the company to file a dispute for the amount and the fraud team stated I did the transaction when I never left the house. Wallet was inside my apartment and they stated the special chip shows it wasnt a counterfeit card. They said they can not reopen the case because their evidence shows that I used my credit card. Which is impossible because I never left my apartment.
Product: Mortgage

Hi CFPB! My names is XXXX XXXX. I have a problem about Esrow Funds with Hallmark Home Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX IN XXXX. They are keep the amount is {$1100.00} and tell me they will refund when the yard at house done ... but since it done they just sent me back {$1000.00} because of the inspection cost {$130.00}. Nobody tell me i need to pay for the inspection. When i call XXXX XXXX ( work for Hallmark home mortgage ) said i was signed on the escrow agreement at closing date on XX/XX/2018. The reason I complaint is  because i have no time to read the escrow agreement on closing day. I would like to have the escrow agreement some days before i need to sign so i will understand it. I would like to have {$130.00} back because I didnt know ... I would love CFPB help for that issue ... thanks so much ... please contact me at XXXX!!!
Product: Checking or savings account

In XX/XX/XXXX, I noticed that since XX/XX/XXXX, my XXXX XXXX XXXX had been credited with a fixed 0.1 % interest instead of being automatically updated with realistic interest. 
I approached my representative and asked him to compensate me for the extended period and change my interest to a minimum of 4 %. 
The representative replied that since I hadn't noticed the bank 's mistake for so many months, the bank could only compensate me for the year XXXX. 
Is this fair? 
Thank you
Product: Debt collection

Midland Credit Management, a debt collector, is threatening to initiated legal action to collect a credit card debt. The debt has more than 7 years. The statutes of limitations for credit card debt is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX
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 XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency allowed a file on my credit report that doesn't even match my social security number. Due to this issue I am not allowed to manage my credit profile.
Product: Prepaid card

This is a follow up on complaint # XXXX. 
Original description : I have tried to use this gift card at several online merchants such as XXXX and XXXX but none worked. Many other people run into same issue and this is a popular issue of this card. 
AMEX responded saying they would send me a refund check and cancelled the gift card. I still havent received the check until now. I tried to call AMEX customer service but they dont know what CFPB is and refused to help since my complaint wasnt with them originally.
Product: Checking or savings account

I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. 

The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the CFPB in regards to complaint # XXXX entered XX/XX/2022 against Equifax, the representative stated that the CFPB thought the complaint was entered by a third party, I explained to the rep. that I personally entered the complaint on my own behalf. I was instructed to resubmit the complaint and specify that I personally submitted the complaint. 
I have previously disputed the entry listed below with Equifax and they verified the entry as accurate. Stating the courts verified entry as accurate. I contacted the Bankruptcy courts and the courts response is that they DO NOT verify information with any credit reporting agencies. I also contacted XXXX and the REMOVED the public record on file because the could not verify the entry as accurate. I sent Equifax a copy of the letter I received from the Bankruptcy courts and a copy of my XXXX report the parties Equifax stated verified the information and their response is enclosed to the CFPB. 
Item disputed XXXX XXXX XXXX # XXXX It is clear that the courts do not verify information with Equifax or any credit reporting agencies like XXXX and that public records are not verifiable but information readily available to the public to see with no identifying numbers to connect to a certain individual. 
Therefore your original response verifying the items with the court which Equifax listed as verifying party on there response was either an error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately. 
I am enclosing a copy of my SS card, XXXX drivers license, work ID and a copy of my utility bill as proof of identity.
Product: Credit card or prepaid card

Wells Fargo opened a credit card with {$35000.00} line of credit without my knowledge or approval as far back as 2004 ( when I was XXXX years old ) the credit card currently has a debt owed of {$10000.00} and is being used and paid to varying degree every single month. Wells Fargo will not give me access to the account, and will not close it or give me access to it or information about it. I became aware of the issue with XXXX. It has negatively effecting my credit score for almost 20 years. I am not a Wells Fargo client.
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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IN # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have made multiple disputes with XXXX, Experian concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and Experian are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

I have been calling and trying to sign in online to Myloancare for about 10 days and the site is down. I called and received a recording that they " have experienced a security event and no one could take '' my call. I have continued to check the site daily and it is still down. I have called again today and was told there has been an " event '' and they have no access to any of my account information. I am unable to make my mortgage payment. I have received no communication from this company about what has happened. I am really concerned that all of my information was hacked and stolen. I also do not want to be in default on my mortgage because of their issues.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Lane Bryant ( Comenity ) keeps calling regarding a deceased ex in-law. This person isn't even related to me. The company calls once a day or at least every other day. I received a messaged this morning XXXX ( XX/XX/22 ) from Victoria with Comenity, number ( XXXX ) XXXX ext. XXXX. 
I haven't written down all the dates and times, but the first phone messaged I received was from a XXXX ', I believe, and I called and talked to him that day in XXXX. I didn't give him my name and number, because he didn't need it. However, I told him the person, I gave the name, they were calling about was deceased. His response was that 'how are we supposed to stop calling you if you don't give us your name? ' and I said 'This person is deceased ' and 'I 'm just calling to let you know that " I figured that since I don't have ties to this person ; she was an in-law by a previous marriage that they would stop calling. So not sure how they even got my number and why they are calling me. 
Anyways, XXXX hung up on me, and the phone calls keep coming. 
Another time that I wrote down was on XXXX XXXX called regarding this ex in-law again, her number ( XXXX ) XXXX option 1 ext, XXXX
Product: Mortgage

Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.
Product: Credit reporting or other personal consumer reports

RE : XXXX complaint I have already sent information, directions, and XXXX XXXX XXXXXXXX XXXX Fiduciary duties to correct the XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary XXXX and all-caps cestui que trust name XXXX XXXX that need to show in the system when addressing the Cestui Que Trust Account with the correct information on the letter. This is a follow-up complaint since I have been getting letters from XXXX XXXX XXXX they need information they have in their system already.