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

It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.
Product: Debt collection

A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.
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 this account deleted or updated. 
This is the item I demanding to be deleted immediately :
Product: Debt collection

THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO YEARS AGO.
Product: Checking or savings account

Hello, Not necessarily a huge deal but it could be misleading to many other customers and create false expectations. 

I recently opened an account with Chime ( Bancorp Bank and XXXX Bank ). They required direct deposit for my of it's feature to open up, which is fine, but there are many little clauses and protocol they go through unbeknownst to us consumers. 

As for me, I would like to used their mobile check deposit feature but after fulfilling their requirements, or so I thought, they responded by saying it takes 30 days or so for review and other risk based factors. 

I am pretty mindful of this but had I known it would take 30 days to do a simple mobile deposit I might have gone else where. They advertise it as an immediate feature unlock after receiving your payroll deposit based on their phrasing and how it was advertised but apparently not. 

It's just a little frustrating to be lead to my conclusion but be told after some confusion that there are other steps involved. 

Enclosed it how they present their features Also their call center/customer service doesn't really help you resolve any of the issues you may happen to have
Product: Mortgage

US Bank, my mortgage lender, assessed me a late fee of {$75.00} for a " missed payment '' even though my mortgage payment was made and on time. My mortgage payment was a set amount then US Bank raised my escrow amount to be collected monthly by {$57.00} on XXXX of this year ( the 2nd time in a year ). They claim a letter was sent out to me explaining the increase but I never received it. I live in XXXX and am lucky I receive any mail at all. 
I had this very same issue happen twice before over the years with US Bank when they changed my monthly payments to reflect an increase in escrows collected. In those cases it was the same circumstances, my monthly payments were made on time but short of the amount of the new escrows increases. Those increases were less than {$100.00} each time. They did reverse those late fees then but will not now do so now due to " policy '' per XXXX, who claimed to be management in their mortgage department in XXXX XXXX, Missouri. She explained that they sent a letter explaining the increase and wouldn't budge on reversing the late fee. My payment was on time, but did not have the additional {$57.00} added to it. 
They accepted my payments then didn't apply it to my account. They say the payment is incomplete and and as result, none the money sent is applied as a payment. Instead of notifying me by alternate means of the escrow changes and of the increase to monthly payments, they impose fees first and notify you that you owe late fees. No effort to contact their customers that perhaps their customers didn't receive notice, they just impose late fees instead. Obviously if a customer is paying their mortgage payments on time and at a set amount then suddenly aren't making the new adjusted payments, they didn't receive notice of the changes. To add injury to insult, I inadvertently made a double payment and instead of applying those extra funds to the short payment, they took those extra funds and applied them as payment to the principal balance. I made a double payment and am now being charged a late fee, how ridiculous. 
These policies and practices need to be stopped! It's predatory and unfair. I intend to take my future business elsewhere. If cost effective, I intend to get this mortgage taken over by another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as others
Product: Credit reporting or other personal consumer reports

There are incorrect late payments listed on my credit report that do not match my normal payment pattern. Please correct these errors and update my account accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian credit reporting agency, block information appearing only credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. XXXX XXXX XXXX XXXX  day late Account # XXXX and the following inquiries XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned account and inquires, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Debt collection

I have been working very hard to keep credit clean, I never received any bill or notification about a balance from XXXX XXXX in the amount of {$570.00} for XX/XX/year>. I found this out via my credit report, when I called Ability Recovery Service at XXXX I was told that information was sent to address that I haven't lived at for almost 5 years and I did a address change via post office when I moved. When I called I was told there was nothing to be done until I settled the debt I feel this is so unfair they also had my phone number and could have called before putting this on my credit report. These 3rd party vendors are BAD news.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud with inaccurate accounts appearing on my credit file. I have filed a FTC complaint and several CFPB complaint but bureaus are ignoring all of my complaints and keep asking for authorization saying I am a 3rd party source. I am not a third party I am filing this complaint for my self. I submitted my FTC letter and my ID. Can you please govern the bureaus as it state in the FCRA and make them respect my rights as a federally protected consumer and have them delete the fraudulent accounts from my credit file. The 3 bureaus are in a direct violation of 15 U.S. Code 1681c2 - Block of information resulting from identity theft. These items still appear on my bureau and must be removed immediately 1. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a foreclosure that never occurred. They were notified of the error in XX/XX/2021, and my bank just found that the record has not been corrected. Copies of the deeds were sent with the dispute.
Product: Credit reporting or other personal consumer reports

I attempted to contact Experian to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from Experian, leaving the issue unresolved and continuing to impact me unfairly.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account- XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

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

I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts?

2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies?

4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.
Product: Payday loan, title loan, or personal loan

I purchased a home in XX/XX/2017 and the inspection indicated A/C should be maintained. I called XXXX  XXXX XXXX and as soon as he opened unit, he broke part and sold me {$1500.00} part to keep running. In the meantime - and before he left, he had a salesman here who mislead me in unit I was purchasing and did not offer financing options. He placed financing with XXXX and they are a nightmare.this is an I was not advised this is an installment loan, I thought I was financing an air conditioner. Since that deception, I lost my job and was a natural disaster victim. The promotional period ran out and XXXX REFUSES to allow a hardship program or reduce interest rate.XXXX XXXX refused to honor their warranty, forcing me to pay for maintainance and XXXX gives no consideration to their vendors action.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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 card or prepaid card

In XX/XX/2018 I opened a Citi Double Cash Card. I received an advert in the mail stating that if I signed up, I would receive a APR of 17.99 %. I applied for the card, and was approved. However, I forgot to submit the promotional code since I applied while at work, away from home. 

I called Citi about the issue, and received a letter in the mail stating that my current APR 23.24 % was the lowest I could receive. I asked for clarification, given that I had an advert stating I would receive 17.99 %. I did not receive a response to this, just a letter stating my current 23.24 % was the lowest I could receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that XXXX, XXXX and Equifax assumed a vital role in assemble information on me as a federal protected consumer. XXXX, XXXX and Equifax is impeding the banking system. XXXX, XXXX, Equifax is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, XXXX and Equifax ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, XXXX and Equifax ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Credit reporting or other personal consumer reports

After reviewing my transunion credit report I was able to identify multiple inquiries that I never authorized that are fraudulent. I am requesting that the consumer financial protection bureau investigate this immediately. I have attempted to get this resolved directly with transunion but they have failed to assist me with finding a solution.
Product: Money transfer, virtual currency, or money service

I filed a dispute through cash app related to fraud /scam in the amount of {$2000.00} and I submitted all required documentation for proof that it was definitely a scam. Cash app did not properly investigate nor dispute to return funds in bank account. Now the amount is showing as a collection on credit report
Product: Debt collection

AMERASSIST AR SOLUTIONS, collecting on behalf of XXXX XXXX XXXX XXXX I attended The XXXX XXXX XXXX in XX/XX/2013 and received federal student loans for my tuition. Amerassist AR Solutions is attempting to collect {$5000.00} and has reported this on my credit report. This is a fraudulent collection action and an attempt to collect money that I am already paying back to the government as they are the ones who lent me the money to attend the school. Amerassist is merely attempting to collect free money from me and will not remove the account from my credit report. This has made it very difficult for me to get any type of credit due to the balance owed and the age of the student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a response from CFPB that my complaint was sent but they did not respond within 30 days which legally these accounts should be deleted.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX , Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX ) XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name :XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. My identity has been constantly involved in data leaks and located in the dark web which Experian has told me several times. These accounts do not belong to me, I do not trust or deal with credit and now that Im trying to get a mortgage and buy a home for my future family I am unable.

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. Social security number is XXXX