23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Went to the XXXX XXXX on XX/XX/year> to look at cars and potentially do a trade in. They ran my credit and all that good stuff. I ended up not getting anything. The salesman was extremely nice up until the point we said no. He kept showing us these binders that said freeway XXXX has the best customer service and sales and etc. I think he was stalling trying to make us wait longer. He passed off to another salesman or manager. 
They were extremely pushy bc I'm guessing it was the end of the monthso they kept repeating. 

On XX/XX/year> l got a letter in the mail from comenity bank saying congratulations you've been approved for the XXXX credit card. I called the customer service number and found out I had a credit card in my name with a limit of {$1500.00}. I immediately closed it and told the service rep I did not open this account. 
The letter was dated XX/XX/year> the day after I went to the dealership. 
I called XXXX and talked to finance department on XX/XX/year> at the time of XXXX. He said oh sometimes you get auto approved. You shouldn't have a balance. I said I'm aware l 've ready called and closed the card out. He was like what you closed it? You know you get 0 % interest and all kinds of other perks. I cut him off & told him I don't need a XXXX credit card. I said thanks and ended the conversation. Sounds like he was trying to cover up something they shouldnt have done.. which is submit an application for a credit card for someone who didnt authorize it. It appears that because I didnt purchased a car from them, the salesmen or whoever decided to submit me for a credit card. Extremely unethical for any business to do. Credit cards were both opened in my name and husbands name. Although, my last name is not even spelled right. 

I also talked to the consumer customer manager I believe it was. Who basically said the same thing as the finance manager and that he was sorry about my experience. He said that is what they do to get you the car they want. I said the salesman did not say anything about signing us up for a credit card I never authorized that. He said this is a learning experience for the salesman and that he shouldve communicated that to me. When you give your information to run your credit on the phone they give you that is when they sign you up. I could not believe they continued to lie to me and say it was normal. 

Ive been to several dealerships just to look and have never been signed up for a credit card even when they have ran my credit. Ive read several other reviews on XXXX saying the same thing happened to them.
Product: Credit card

I received a Lowes credit card in XXXX with a beginning balance of {$3000.00} and continued making monthly payments up until XXXX which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of {$54.00} to {$100.00} and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only XXXX of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large monthly payments because anything above the minimum will go to interest alone. I informed Lowes that I never agreed to such a high interest which they said I did. Lowes offered to help me make payments on my account and never mentioned a high interest account. Lowes only said to make minimal payments of {$54.00} a month until spouse gets another job. I stopped making payments over the minimum and my balance as of today is {$1600.00} after 8 years of steady monthly payments.
Product: Mortgage

I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received my annual credit report from Transunion credit reporting agency. My report showed two items that I had no knowledge of. Both of these items were from XXXX XXXX. I called XXXX on XXXX to report that these items on my report were not mine and I had no knowledge of until I received my credit report. The person I talked to promised to have these items removed from my credit report within 7 days. I also called Transunion on XXXX XXXX, I talked to XXXX and advised him that the two delinquent items from XXXX were not mine. He said he would check with XXXX. Transunion subsequently sent paperwork that stated these items were verified as accurate. I called XXXX again on XXXX XXXX, XXXX. I talked to XXXX. She promised to have these items removed within seven days from XXXX XXXX. A few days later I called XXXX again and talked to XXXX. She said she could n't help me and sent me to XXXX who said I would have to talk to XXXX. XXXX said that all I could do was file a police report. I asked if he had a supervisor or boss. He said he did, and I asked to talk to his supervisor. XXXX hung up on me. 
I have been a XXXX customer since XXXX. I have never been late with a monthly payment. 
On XXXX XXXX, XXXX, I went to the sheriffs office in XXXX, Washington. I talked to XXXX XXXX XXXX. I gave all the information and paper work I had to XXXX XXXX. The results of the XXXX XXXX Sheriffs is included with my report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681 c-2 ) that you, the Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent activity is regarding of a personal credit card account opened at XXXX XXXX on XX/XX/year>. 
This information is not information or transactions I approved to be reported to my consumer report and violated several federal laws. In addition, violation 15 U.S.C. 1681a ( d ) ( 2 ) by way of reporting experiences and transactions within my consumer report. Also, my previous disputes are violation of 15 U.S.C. 1681a ( e ), which the investigation has always included factual information on my consumer report obtained directly from the creditors of the consumer ( me ).

These accounts do not have my permissible purpose in pursuant of 15 U.S.C. 1681b to furnish the information they are reporting, yet they are selling to third parties, which is identity theft and fraud by using the identifying information of another person ( me ). I have attached a copy FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting

In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX  ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct XXXX XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX.
Product: Debt collection

Original debt was {$2100.00} in  XXXX , now {$2700.00}. Charges variable amounts. Different each month with each credit bureau. I would like to know the maximum interest that can be charged from this debt collection agency. Is there a % or standard amount ( set ) each month. I have tried to settle with this company. Set up arrangements and could not contact to make payments. Accepted payment in  XXXX  &  XX/XX/XXXX . Credit report has not been updated either time. Rude behavior when discussing debt and has never given explanation of debt.
Yelling and making threatening remarks.
Product: Debt collection

TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX : XXXX & XXXX XX/XX/XXXX.
Product: Credit card

Made purchase online through Cash app. Seller Responded with international Tracking number. When asked for XXXX number seller assured item is on the way. Seller then Changed name on Internet advertisement. When email seller didn't respond.
Product: Credit reporting or other personal consumer reports

I disputed a judgment thats on my background with the address but doesnt show the apartment number then on the report it says apartment XXXX My id says XXXX As a consumer I have the right to dispute inaccurate information C.I XXXX C refuses to remove the judgment even though they know the information isnt accurate It is making it hard for me to have a clear background with their reporting of inaccurate information
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Checking or savings account

My phone was stolen XX/XX/year>. As a result there have been transactions made of over {$800.00}, to a gambling online website. XXXX XXXX XXXX  Which I did not authorize. I never received a message from my bank either after the first couple of deposits asking if the deposits being made were legitimate. I bank with TD bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and faxed Experian, XXXX, and XXXX about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.
Product: Debt collection

I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had complained to all 3 credit reports that account that were discharged in my bankrupcy should not be showing because they were discharged, the have wrong dates of filing and Bankrupcy court did not report to them. XXXX XX/XX/22 also i had put a credit freez on my credit because my id came up missing, people were still able to run credit with notifying me which in curd XXXX hard inquires that i asked to be removed, Account XXXX bk XXXX XXXX it was filed on XX/XX/22 not in XXXX pls remove due to the fact that is in accurate info.
Product: Checking or savings account

I was unexpectedly charged a {$25.00} " maintenance fee '' the account was maintained for over 5 year at similar balance levels and i was not charged a fee. 

The a bank uses a system of hidden and misleading fees.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with Equifax since XX/XX/XXXX regarding inaccurate accounts on my credit report. Equifax failed to comply with the Fair Credit Reporting Act ( FCRA ) in multiple ways : 1. Late Response Violation of FCRA Section 611 ( a ) ( 1 ) Under FCRA Section 611 ( a ) ( 1 ), Equifax had 30 days to complete an investigation and provide dispute results.

Equifax failed to respond within the legally required 30-day timeframe, violating federal law. 
Despite this delay, Equifax still refused to delete the accounts and failed to provide a proper verification process. 
2. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) When Equifax " verified '' the accounts, I formally requested the Method of Verification ( MOV ), as is my legal right under the FCRA.

Equifax failed to provide any documentation or proof explaining how they verified the accounts.

The FCRA requires them to disclose their verification process upon request, and they did not comply.

3. Failure to Conduct a Proper Investigation Violation of FCRA Section 611 ( a ) ( 2 ) Equifax did not conduct a meaningful investigation into my disputes and merely marked the accounts as verified without explaining how this verification occurred.

They updated certain data fields but did not verify the accuracy of the reported information. 
Updating information instead of verifying it does not constitute a proper investigation and is a direct violation of FCRA Section 611 ( a ) ( 2 ).

4. Failure to Remove Unverifiable Information Violation of FCRA Section 611 ( a ) ( 5 ) Since Equifax failed to properly verify the accounts, they were required to delete the inaccurate information.

Equifax did not comply with this requirement and continued reporting unverifiable data. 
The FCRA mandates that any disputed account that can not be properly verified must be deletedEquifax ignored this obligation. 
5. Sending Correspondence to the Wrong Address Violation of FCRA Section 609 ( a ) ( 1 ) Equifax repeatedly sent dispute responses to the wrong address, despite me providing my correct address multiple times through certified mail with return receipts and an affidavit of my address. Because of this, I did not receive dispute results in a timely manner, further delaying my ability to correct errors on my credit report. Equifax has a legal duty under FCRA Section 609 ( a ) ( 1 ) to maintain accurate consumer file information, including my co
rrect address, and they failed to comply. 

Recent CFPB Actions Against Equifax Support My Case XX/XX/XXXX T

he CFPB fined Equifax {$15.00} million for failing to : Conduct proper investigations of consumer disputes. Remove inaccurate or unverifiable information. Prevent deleted errors from reappearing on reports. This is exactly what Equifax has done in my casefailing to conduct a real investigation, failing to verify accounts, and failing to delete inaccurate information.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was contacted by XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX stating I was approved for a loan of {$3000.00} which I was looking at for medical. We went over the information and then it got hinky. They requested ( 5 ) reversals on my bank acct totalling {$640.00}. He said not to worry about those, they weren't important. Said they had to connect their bank to my bank to transfer the loan. Kept saying the money would be there shortly - never arrived. Then said he had been to the doctor and was going home, we would finish tomorrow. DID MORE RESEARCH! 
XX/XX/XXXX He contacted me this morning and wanted me to transfer {$630.00} via XXXX  then Western Union. I asked why and he stated that this was how the {$640.00} would be recovered to my account. He walked me thru the process and had me wire the {$630.00} to XXXX / XXXX XXXX. When I ask why XXXX he replied it was to avoid a {$150.00} charge from the US. Informed me the {$3000.00} would hit my account in @ 30 min - never deposited. I contacted the local XXXX XXXX when it opened and they found no loan application with my name on it - non existant in their records. 
Now I sit here in a very panicked state, surviving as a XXXX Veteran on not enough XXXX  to survive on and owing {$630.00} to my bank. 
I have completely closed the account- too little too late. I also have emails w/documents WU tracking XXXX XXXX Loan ID # XXXX XXXX  XXXX
Product: Credit reporting

I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I obtained my Equifax, XXXX  and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.