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

On XX/XX/XXXX Texas Auto Credit have threaten to repossess my vehicle and harassed closed friend and family over a my XXXX XXXX XXXX XXXX. I was also threaten that the vehicle would be removed from me even when I shared medical and personal reasons for the use of the vehicle ; then I made it very clear of my financial situation due to the current pandemic and I was still denied for this vehicle. Also, to my understanding according by federal law that if a firm/company is caught taking cash in a credit sale is illegal ( Title 15 usc 1601, 1602 & 1605 ). I have already paid {$8900.00} toward this vehicle towards illegal activity. 
The constant harassment calls to me and my family and friends has become very heavy on my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized inquires reporting to my XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and US Bank. I contacted XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX  is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX # : XXXX this account is being reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Santander Consumer USA has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and Santander was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these  delinquent late payments that are on my account. To resolve this issue I would like Santander to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also Santander has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called Santander numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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, inaccurate, and false information consists of a personal credit card account opened at XXXX-XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please remove the following inquires as they were not performed by me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete Rentdebt Automated Collection - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : - Creditor Name : XXXX XXXX, XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXXXXXX  - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XXXX. 
- Creditor Name XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the hard inquiries listed on my credit report provided by XXXX as allowed under the Fair Credit Reporting Act, 15 U.S.C. 1681. I have identified several inquiries that are inaccurate and request their immediate removal from my credit report. I have not authorized any of these companies listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these discrepancies are investigated promptly and remove the inaccurate inquiries from my credit report.
Product: Debt collection

I was given the debt amount of XXXX dollars from LVNV funding but debt couldn't be verified and was not owed. they would not provide proof of the debt
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Mortgage

XXXX XXXX Mortgage Representative Citibank , N.A . 
XXXX XXXX XXXX XXXX. 
XXXX, Texas, XXXX Phone : ( XXXX ) XXXX Fax : XXXX XXXX TO MAKE APPLICATION ONLINE visit : Citi.com/XXXX XXXX XXXX  : # XXXX Lied about making an loan application i went under contract sent her multiple emails and gave her all my information. When my realtor sent her multiple emails asking when the appraisal process would be and even the title company sent her multiple emails requesting information she stop responding Im a month later she said that my loan application was never completed in the meantime we had sent her over 50 emails asking her and her bosses to respond we kept getting emails saying that she was out of town. I lost my hand money because she never gave me a denial letter because she claimed she never made a mortgage application she is a liar a horrible thief
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the XXXX XXXX  accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXXY XXXX )
Product: Mortgage

Bank Of America committed fraud with my personal financial information when I applied for a loan.We applied for a Lot loan in XX/XX/2006 where Bank Of America required us to state our income and have our employer verify our income-we did and they approved the loan.Without our knowing it Bank Of America altered the financial information we put on the application to obtain a mortgage insurance policy from XXXX naming Bank of America as the beneficiary in the event of a default.We were completely unaware of any mortgage insurance policy and it is not on any papers we filled out.Our income was stated on the forms as {$4500.00} per month and was verified by my employer.Shortly after we were approved for the loan an XXXX for XXXX contacted us and told us Bank Of America had altered the forms we provided to state our income as {$15000.00} per month and that amount had been verified by my employer.We told him I had put {$4500.00} per month as the income and it had been verified-not {$15000.00} per month.XXXX told us Bank Of America had altered the amounts on the application and submitted them with my signatures as an application for mortgage insurance.We are now in default on this loan and Bank Of America is anxious to foreclose so they can collect on their fraudulent insurance policy.They are attempting to get paid from the insurance policy from XXXX and after the foreclosure sale get paid again by suing us for their loss.We believe we paid for this insurance policy with our down payment without knowing it but have never had any mortgage payments covered by the XXXX of XXXX altered then used my personal financial information and signatures to obtain an insurance policy for them to be the beneficiary in the event of a default and are now foreclosing to benefit from the insurance policy.2.And if mortgage insurance was obtained using my information, that I may have paid for with my down payment, why was n't it purchased to protect me from losing my asset in the event of a default and why was n't I told about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.
Product: Credit reporting or other personal consumer reports

I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter.
Product: Credit card or prepaid card

Pervasive and consistent failure of Chase to abide by FCA. Will not investigate dispute properly. Will not provide contact information to claims person. Will not provide information forwarded by merchant. Internal person assigned does not speak English. Chase will not look at evidence or merits of claims presented by consumers and will rely on self-serving, non-evidentiary information provided by merchant each and every time.

I have tape of conversation with Chase representative evidencing pervasive fraud and failure to abide by FCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Product: Checking or savings account

I opened a checking account on XX/XX/year> with {$25.00} deposit with Independent Financial Bank based in Texas. Later on XX/XX/year> XXXX paid me {$3900.00} which was direct deposited in this checking account. It's been over 1 month ( since XX/XX/year> ) and today is XX/XX/year> and the available balance still shows {$25.00} ( my initial deposit ) but the current balance shows {$4000.00} ( including the above {$3900.00} payment from XXXX XXXX ). I have tried several times to send messages and even called their phone number several times to clarify the issue so I can have access to my funds. After multiple attempts I am unable to get them to respond or update the current balance so I can withdraw the money. Also I was never sent a debit card so I can't use a debit card to withdraw my money. 
It is frustrating that I can not withdraw my own money and they are holding my funds hostage without any explanation. Please help me get my money. I will appreciate your help. I have provided my address I used to open this account online. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX PS : Let me know if you need any other information to resolve this issue.
Product: Vehicle loan or lease

On XX/XX/year> my car was repossessed. It was taken from my secure gated parking garage. I confirmed that my property manager never have permission or access to the driver to remove my car from where it was parked inside this secured garage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just took a look at my credit report and I see some items on there that I do not recognize.
Product: Mortgage

My original loan for the with Rushmore Mtg. When I had problems paying they called themselves managing my property. They incurred over {$58000.00} in so called repairs on the property. This amount enough to actually restore the total XXXX family house into good living conditions. Apparently they were allowing workers inside to do nickel and dime work at high prices. The level of expense did not match any improvement. Then they changed everything to Rushmore servicing and amortized all the mortgage owed from XXXX to XXXX percent. Then they are adding in a balloon payment for this mortgage after XXXX  years
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are HARD INQUIRIES on my credit TRANSUNION CREDIT REPORT DO NOT belong to me, nor have I ever applied for credit of any kind with the following companies : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX