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

I have a loan with GMA Financial. We got behind because we were fighting to adopt our foster son after he was abused and at risk of being returned to his abusers we had over {$50000.00} in legal fees. This Vehicle is our only vehicle my wife file bankruptcy and this is part of the bankruptcy. Our truck was repossessed on XX/XX/XXXX however law enforcement was not notified nor we were until XX/XX/XXXX with a letter stating our truck was going to be sold on XX/XX/XXXX. I am attaching my mail log from XX/XX/XXXX showing I just got the letter. - with 1 day to avoid the sell. 


The police were called on XX/XX/XXXX and a police report was made due to the fact that law enforcement was not contacted about the repossession.. As of today XX/XX/XXXX the truck is still considered as stolen in the sheriffs database because again GMAC never contacted law enforcement. The police report case number is XXXX- We filed an insurance claim and this is on open investigation with our insurance- again because we thought our truck was stolen. We have also been in a rental - expected to be paid by our insurance company. 


We had no idea our truck was repossessed. The local law enforcement was not notified of GMAC intent to seize the vehicle beforetherepossession. - resulting in police reports filed and insurance claims filed and us renting a car. 




We got the attached letter dated XX/XX/XXXX - on XX/XX/XXXX giving us NO time to do anything. The le Please advise what we need to do to get our truck back and why the police we never notified about the repossession and why police were never notified, why is our vehicle still considered stolen and what about the insurance claim that has been made. 


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

in accordance with the Fair Credit Reporting act, XXXX, XXXX and Equifax has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX XXXXC 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple old address that I requested to be removed. I also have multiple Name on there as well that isn't mine, I also have three social sercurity that isn't mine.
Product: Credit reporting or other personal consumer reports

After several attempts of submitting applications for rental property and being rejected due to prior evictions I contacted the credit bureaus attempting to find out what company was providing the information to the rental companies so that I could find out what information was included in those reports. I made several attempts in XXXX, XXXX and XXXX of XXXX and my most recent attempt was XX/XX/XXXX. I still haven't been given the information
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit and my information was ran 9 times on my XXXX, Trans union and XXXX credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I opened a CareCredit account so I could afford dental work. I am paying off my card as quickly as possible. In the meantime, this company is charging approximately {$54.00} per month for a scam " card security fee. '' I have asked NUMEROUS times for these bogus fees to be refunded and they have assured me that they would. That was about a month ago. Today I get a billing statement AND IT INCLUDES ANOTHER " security fee. '' I have called numerous times with no help of any kind. This is a complete scam and usury. I am now owing XXXX my initial dental purchase and NO ONE at CareCredit or synchrony bank will make this stop or refund the fees as they have said would occur. This is extremely frustrating and it is financially abusive to consumers.
Product: Checking or savings account

On XX/XX/2019, i was scammed into buying gift cards. I spent {$500.00} at XXXX XXXX, and {$100.00} at XXXX. I almost spend additonal {$800.00} but my coworkers knew something was wrong, so they prevented me from spending more money. I called XXXX XXXX  immediately and found out only one of the gift cards was redeemed. I told them to stop the rest of the gift cards, they said they could not for some reason. I called FTC to report what happened. Then I called Bank of America to report as well. I received my money back temporarily during the investigation, but they recently denied my claim and withdrew the money from account again.
Product: Credit reporting or other personal consumer reports

I want you remove all those inquiries in my credit please.
Product: Debt collection

I have not approved these medical reports. These " medical seevices '' were definitely a result of some misusing my information and requesting something I didn't approve. I was at a doctor office who practiced illegal actives and went to prison so I'm assuming it was there it happened. I also have medicaid which covers everything I have done with no copay so this debt furthermore makes no sense. I habe disputed the charge with XXXX and got nowhere. It it the debt with central tax and XXXX agency. I would appreciate any help getting this resolved. 
Thanks!
Product: Money transfer, virtual currency, or money service

I have identified a fraudulent transaction from XXXX in the amount of {$4400.00}. The transaction ID is XXXX, and the cashier listed is XXXX XXXX I have contacted the company to obtain a refund. XXXX XXXX XXXX instructed me to contact my financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized inquiries which were not initiated by me. 

I have not authorized any person to add anything to my consumer report. 

XXXX XXXX on XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, OPENED XX/XX/XXXX.
Product: Debt collection

I have previously filed a CFPB complaint via CFPB reference number XXXX ( PLEASE REFER TO THIS NUMBER ). In that complaint I outlined how National Credit Adjusters has violated my consumer rights by not properly validating the account within a timely manner. As of today, more than 90 days has elasped, and the company still continues to not provide the information I have requested on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian via mail regarding account name : XXXX XXXX XXXX XXXX, account # XXXX ( see attachment. ) I received the dispute results dated XX/XX/XXXX ( see attachment. ) Upon review of the dispute results, there is a major inaccuracy. The date of 1st delinquency is incorrect. Upon pulling a previous Experian file from XX/XX/XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 14 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Experian has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Experian credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Experian reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXX cards to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked XXXX XXXX to remove it because it shouldn't have been there in the first place. XXXX XXXX refused to do that. I am attaching my letter to them and their response. Please notice that XXXX XXXX completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like XXXX XXXX to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about XXXX XXXX 's deception with Experian multiple times, but Experian does not care about this deception. They say that if XXXX XXXX does not want to remove the card, Experian will not either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasion, I contacted TD BANK USA/Target Credit card about a credit card that was issued during a fraudulent transaction. During XXXX ( months of XXXX, XXXX, and XXXX ). This credit was open fraudulent and I never received a bill on the mail about this transactions. Anyhow, I ended paying the due amount. TD Bank USA/Target Credit agree on removing the negative payment history from my credit card. Yet, they did deleted from XXXX. But, it stills show on XXXX and XXXX. After several attempts with Target, the negative payment history still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX XXXX XXXX  {$190.00}, {$140.00}
Product: Debt collection

I broke my lease with XXXX XXXX early so I could move in with my now husband. The lady in charge advised me I would only need to make a payment of {$1300.00} and it would be paid in full. I got out cash and money order from my bank ( which I have copies of ), handed the money order directly to the lady in charge and turned in my key. I provided her with with my new address, phone number, email, etc. to follow up because they still needed to do an inspection. There was no damage done to my apartment as I barely stayed there. I never received any kind of correspondence, no email, no call, etc. It wasnt until I was checking my credit report I noticed a collection agency reported that I owed {$1700.00}. I call them, they say I never paid for the lease break, and also never provided the apartment complex with a follow up address to reach me. THAT WAS REQUIRED on the paperwork I filled out to break my lease! I dont know where they are getting that I owe this money from. Im to the point now I want this off of my credit report. Everytime I have tried to call representatives are rude and sound like they have no proper training on how to speak on the phones. I myself, work in collections so I know how this goes and Im not rude to those willing to pay on something they ( dont even ) owe. I called today to see if I can try to work out something to pay this off, of course I dont have the full funds to make a full payment this month of XXXX, but am willing to pay something this month on it. The guy was very rude, unprofessional, and told me they would just call me back on Monday? At this point I am over it, I have the documents showing I paid this off in full, I am done messing with these people because they are not willing to help me out.
Product: Debt collection

Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Every Month my account was insufficient due to fees they was charging me and I had to pay XXXX of dollars
Product: Debt collection

I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!
Product: Mortgage

My divorce was final in XXXX of 2021. My ex-wife who was awarded this house took a forbearance without my knowledge. I am the primary signature on the loan with my ex-wife being the secondary. I got phone notifications from Rocket Mortgage that I needed to contact them but when I called they would tell me that everything was fine. Once the forbearance passed the 120-day mark my credit was severely affected. I contacted Rocket Mortgage and they then informed me of the forbearance. They informed me that the decision to get a forbearance only needed to be communicated to them by one person on the loan and my signature was not needed to make the adjustment. So now because of an adjustment made to the loan without my approval, my credit score has tanked and made it so the home can not be refinanced, they want me to participate in documentation to get the loan on track but signing accepts that I was a part of the decision. On top of it all, I am experiencing financial issues related to my horrible credit score. I have supplied the document showing the general judgment of dissolution of marriage and details that the home was to be sold if not refinanced in 90 days. I understand that technically we are both on the loan but they allowed the change to happen without my consent which then negatively affected my credit.
Product: Mortgage

I am In litigation with Select Portfolio Servicing whom foreclosed on my home however violated consumer protection laws Indurance les holding insurance proceeds without applying to my mortgage. Placing forces placed home owners insurance while i had private purchased homeowners. For 7 years sps refuses to modify my mortgage violating my rights under FTC laws Unfair deception abuse practices using political points blaming presidents for not being able to sue loan modifications. Perfusly staying they did not receive required documentation. All while under Bankruptcy I was placed into a chapter XXXX without my knowledge. Please someone help me.
Product: Credit reporting or other personal consumer reports

I have called the bureau to complain about inquiries that are on my report. I have never opened an account with them nor tried to make transactions with them. I have file a complaint to FTC with report number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting this account as late XXXX XXXX. This account was not late UNDER CARES ACT. Please remove 180 day latenessess reported