23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My card was stolen during a XXXX party on XX/XX/2019. The week on XX/XX/XXXX my employer makes us aware that we all need to check personal belongings because reports of theft were made during the party. I checked noticed 2 card were gone and immediately called the companys XXXX XXXX and Discover. Over about a week span my cards were charged multiple times adding combined to over {$4000.00}. When I contacted XXXX XXXX they cleared all charges noticing there was a spree of shopping. However Discover said its not enough evidence. I called gave them all purchase details, filed a police report giving them all information and also appealed their decision to deny the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Product: Checking or savings account

Someone opened a online checking account under my name and stole around {$10000.00} from me on XX/XX/22 from a different state. The bank never notified me nor sent a welcome package. I then received an alert via email on XX/XX/22 about the debit card being declined. I immediately called Wells Fargo that same day so file a claim. They provide me with a case number for online fraud and ATM fraud. They also put a block on my accounts and closed that account that was not opened by me. I noticed that more money was being pull so I called Wells Fargo again and they stated that I never filed a claim which is false since I had the claim number. They also stated that they never closed the account down so they did it again that same day. We then had to redo everything on XX/XX/22. On XX/XX/22 I received a letter in the mail saying my claim was denied since it was not considered fraud and because they sent me a welcome package. I asked what address they sent it to and they would not provide me with that information even through I already identified myself in every aspect. I spoke to a manager that same night and they couldnt help either. I ended up filing a police report but they stated they wont be able to do anything either since its in a different state. I went to the branch to open up another case since I could not file an appeal and that ended up also being denied. I called on XX/XX/22 to speak to a manager and they informed me they transferred my case to identify theft and provided me with the phone number. I called that same night and they stated it will take up to 30 days. I waited until XX/XX/22 for a call back since I received no information. They told me that the claim has been denied back on XX/XX/22 and there is nothing I can do to receive my money back besides file a police report.
Product: Credit card or prepaid card

My social security check not accepted sent back by bank.Could not make payments for credit card on line could not pay at Bank either. Debit cards being canceled by bank repeatedly them ordering new ones. Think there were fraud charges on account without notifying me first or even talking to me.interest rate changing on card. Payments being refused even though money in account. Closing myaccount for a check that was good for deposit and them refusing to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account
Product: Debt collection

This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Macy 's ending in XXXX. I made a {$40.00} purchase 3 months ago, I did not receive a statement and missed the payment, however, I paid off the {$40.00} in full by phone the following month ; I was told by the rep. they would reverse the late fee and interest. did not subsequently use the card. I did not receive a statement for the next 2 months, although I do not have online access to statements and I had requested a statement 3 times by phone. This month, XX/XX/2022, my credit rating dropped over XXXX points because Macys ' turned over a {$2.00} interest fee to the credit bureau. Because I had not received the statement I had requested by phone and because I do not have online access I had no way to know they had charged {$2.00} in interest. When it came to my attention I phoned their credit department and had the {$2.00} interest fee reversed. However, my credit rating is still XXXX points lower since they reported to the bureau.
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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America allowed someone to access my credit reports with XXXX and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. It is likely that BOA is the source that has allowed these criminals to act using my credentials. BOA called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. XXXX failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that BOA is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
Product: Credit reporting or other personal consumer reports

I filed a dispute with account : ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) through Experian due to my personal and financial information being compromised which is a violation of the FERPA act. Experian has denied following up with this investigation. I am aware of the recent lawsuit against Experian that the CFPB has filed for failure to notify consumer dispute results and accepting unreliable information. This lawsuit aligns with the situation that I am currently faced with in my dealings with Experian. Experian has not attempted to remove, nor correct any information that I have requested an investigation on. I'm requesting that this derogatory remark be removed or corrected immediately as it's altering the course of my lively-hood and affecting my future endeavors moving forward in hopes of purchasing a home or receiving a car loan. Experian violates my rights as a consumer, as well as federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank has made put delinquent remarks on my credit report for the months of XXXX XXXX for an auto loan that was refinanced with XXXX XXXX in XX/XX/XXXX. Through information gathering, XXXX XXXX informed me they sent PNC a payoff at that time in XXXX, but PNC mistakenly applied my payoff check to a different client 's account and sent them an overage check of XXXX. PNC then sent me an intent to repossess my vehicle in XX/XX/XXXX even though they knew that had made this grave mistake. As a result of the delinquent marks, my credit score has gone down by 80 points. Now that the account has been closed, it has been restored somewhat but no where near what it should be over XXXX. 


Thank you. 
XXXX XXXX
Product: Credit reporting

I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I filed my recertification for XXXX for XXXX years I had worked in XXXX XXXX. My employers are qualified but they only accepted one as qualifying. This service was before I consolidated but my understanding is that the waiver means previous payments should count. My servicer is FedLoan.
Product: Mortgage

I am a victim of forced placed insurance. 
Wells Fargo Home Mortgage ( WFHM ) asked in order to receive a lender placed insurance refund of {$760.00} I need to provide proof of insurance for the lapse coverage dates of XX/XX/XXXX through XX/XX/XXXX. WFHM talking about HO-6 insurance. In reality my Condominium Master Policy includes HO-6 insurance, I didn't have lapse coverage. My current mortgage company XXXX sent to me a letter confirmed that Condominium Master Policy includes interior unit ( " Walls in '' ) coverage, including betterment and improvements.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX violated the Truth in Lending Act and colluded with its subsidiary, XXXX XXXX XXXX XXXX, to deprive me of my federally protected consumer rights. Specifically, XXXX XXXX violated the Truth in Lending Act by overstating the APR and understating the finance charges. On XX/XX/XXXX, I used my credit to purchase a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX XXXX House, New Jersey in a close-ended credit transaction. XXXX XXXX falsely claims to have financed a loan under Account # XXXX in the amount of {$21000.00} at a an alleged APR of 11.91 % APR for 72 months, amounting to a finance charge of {$8900.00}, and resulting in total payments of {$30000.00} over the life of the loan. 
By my estimation, using the Code of Federal Regulations APR calculation formula ( See Attachment-APR Calculation Formula ) for closed-end credit transactions, an APR of 11.91 % ( 0.1191 ) on {$21000.00} over 72 months would result in a finance charge of {$15000.00}. Clearly, the finance charge is understated, and the APR is overstated. According to my calculation using, using the same APR calculation formula for closed-end credit transactions, a finance charge of {$8900.00} over 72 months for {$21000.00} equates to an APR of approximately 6.85 % ( 0.0685 ). This represents a significant 5 % difference in the APR stated on the Simple Retail Installment Sales Contract Simple Finance Charge document I was provided. 
In XX/XX/XXXX, I contacted XXXX XXXX to inform them of the discrepancy and requested full disclosure of any and all documents that were not provided to me. I also explained that I am aware that dealerships often present consumers with an inflated APR in an attempt to increase their profit, but I have a right to be informed of any details affecting the rate I am paying to use my credit. The XXXX XXXX representative insisted that I have already been provided with all the necessary documents. Shortly after, I received copies of the exact same misleading loan documents I had signed at the dealership which were sent to me by United States Postal Service. 
Additionally, XXXX XXXX is not listed anywhere in the documents. The contract specifies the parties involved, and the only parties named in the contract is XXXX XXXX and the dealership, XXXX XXXX XXXX is listed as the Creditor. On XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency which was assigned Case # XXXX. As Capital One 's Bank Regulator, I reported the Truth-in-Lending Act violations which are the result of the Overstated APR and understated Finance Charge. The Office of the Comptroller of the Currency directed me complaint the CFPB and requested that I follow up with the CFPB to resolve this matter.
Product: Credit card

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

onemain I'm filing a complaint on your company for violations Of the FCRA AND THE FDCPA I was viewing my credit report and I noticed some violation reporting on my credit report I have disputed this account with all three credit bureaus and they states that you verified the account But as I review the report from your company I noticed that you didn't enter dispute marks that consumer disputes with out that Information the account can not report fcra 623 you could be fined {$1000.00} per account. So please delete this account from my credit file. violation number two the account is a charge off you are still showing late payments on a charged off account there should be no late payment reporting you could be sued for {$1000.00} for each violation on each credit report. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have disputed this with the credit reporting agencies and they are not conducting a proper investigation and don't take this as a threat But I have file suit on all three agencies is why I'm disputing with you right Now
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans. 

On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile. 
XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice. 

I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date. 

At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen. 

Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title. 

I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported an inaccurate balance from XXXX  XXXX XXXX on my credit report for the month of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Trans union on several occasion with reporting inaccurate information on this collection account. Trans union has no updated this account to a charge off, when it clearly was not. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- XXXX How can it be a charge off when XXXX XXXX XXXX XXXX XXXX was the original creditor, how can a collection company list it as a charge off. 
There are several inaccurate information on this account. This account should removed, reporting inaccurate information.
Product: Checking or savings account

So basically, I went to Bank of America to see what was going on with my account they told me that Bank of America closed my account the people online that deal with that. So I called and I didnt get any heads up about my account being closed. I just got this account last month. They told me it was due to suspicious activity and that I needed to be verified so I got verified and now they are telling me they cant do much. I had just made a new password last night for my Bank of America account because I felt like something was off on my app. Im so very confused and upset, because I got this job and Im new and I get paid the XXXX and idk how Im gon na be able to access my account. I need it, its nonsense that my account got closed for no reason, especially without any warning
Product: Credit card or prepaid card

{$850.00} of interest charged before XXXX year promotion, I opened account in XXXX 2021 but they back dated it to XX/XX/XXXX causing a years worth of interest to be charged before I could pay in one lump sum. The promotion stated one year of interest free payments. I did not open an account with them until XXXX, not XX/XX/XXXX as they claim. My first payment is not even recorded until XX/XX/XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.