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

In XXXX of XXXX we purchased a used motorcycle from XXXX XXXX Harley Davidson and used their finance company to finance the bike. I never would have signed the contract had I known what we were getting ourselves into. The majority of our $ XXXX payment goes towards interest. I emailed the billing department on XX/XX/XXXX to find out how I could make payments directly to the principal. I was told that I had a simple interest loan and couldn't do that. I have no idea what a simple interest loan is or that that is the type of loan we had. I feel like we have been a victim of a predatory loan. I had no understanding & wasn't explained what the terms were. I was just told what the payment would be. I had no idea the majority of that was going to interest and I couldn't pay to principal also. I thought that was illegal?? We don't even want the bike anymore. We tried to refinance elsewhere and were told we owed XXXX more than the bike was worth so we can't even refinance or sell. I feel betrayed & although this is my XXXXXXXX XXXX, it will most likely be my last. Being done like this took all the joy out of it for me. I heard that Harley had recently fired the person in charge of sales. They need to think about not having loans with these terms also. Returning business is there business.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

Incorrect Escrow analysis has caused recurring problems and changes in my mortgage payment. 
See Attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security fraud alert was put on my Experian report without my knowledge.I called Experian to find out why a security alert was put on my Experian report.They would not give me any information.I want to know who committed fraud with my credit to put a security alert on my report.I want details
Product: Debt collection

I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a XXXX XXXX XXXX  XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account at XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX under the account number XXXX, a personal loan opened up at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX under the account number XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by Equifax, XXXX, and XXXX. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - CLOSED XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent Equifax data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect Equifax to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, Experian and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with XXXX
Product: Credit reporting or other personal consumer reports

I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company XXXX XXXX several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. Paper was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX  Account Numbers XXXX, XXXX, XXXX, & XXXX as a charge-offs in the amounts of {$1300.00}, {$440.00}, {$740.00}, & {$210.00}, respectively. 
. 
My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( XXXX ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk. 
Although the original creditor has already received a tax break for writing these 4 accounts off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the accounts continue to be reported as charge-offs on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as charge-offs on my credit report grounds me to seek statutory damages and the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file, prohibits me from purchasing a home, causing emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$500.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question 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 XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX. XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Student loan

I have years of unpaid Navient student loans. Multiple forebearances, they would never reduce my payments. My daughter and I both signed for loans. She was included in the settlement but I was not. The school owner was sent to federal prison for money fraud. I would like to know why I was not included in the settlement. The Navient settlement website referred me to my state attorney 's office and XXXX referred me back to Navient. Any assistance would be helpful thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. AMOUNT {$6600.00} opened XXXX XXXX, This appears on all three on my credit reports
Product: Credit reporting or other personal consumer reports

issues with receiving my credit report.There are charges I dont recognize to my credit and Ive contacted Experian and A few other credit bureaus about this issue, this errors need to be addressed.
Product: Checking or savings account

A so called friend of mine asked if I could help him cash a money order that his parents had sent him for XXXX. It was for XXXX and supposedly it was a XXXX gift. I said sure not thinking anything of it because he was my friend so I cashed it for him XX/XX/2019. It cashed no problem no questions asked. Two weeks go by and on XX/XX/XXXX chase bank returned the check saying it was fraudulent and it had been altered. So my bank account is now over drawn and I simply dont have the money to give the bank to make it right nor do I think I should have to I was a victim of fraud. Ive talked to the bank several times and they tell me its up to me to make it right and pay the account back. I was already in financial crisis when this happened Barely getting by. I just think this is unjust and do I cant even get another bank account now and that in itself has made my life very difficult. What can I do help plz
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 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.
Product: Credit card

My name is XXXX XXXX. I am a business owner residing in California, U.S. citizen and had been the XXXX credit card holder 'Amazon Rewards ' issued by Chase Bank for a number of years now. On XXXX XXXX, 2015 I was involved in a XXXX in XXXX, California the city where I reside. As the result, my XXXX XXXX vehicle was totaled. Police arrived at the scene and I have a police report pertaining to that unfortunate event plus the witness statement to prove it. 
At the end of XXXX of 2015, I have received the bill/monthly statement from Chase Visa card and have immediately noticed charges that did not belong to me or were not made by me or were not authorized by me. I immediately called the number on the back of my credit card and I told them about unauthorized charges on my account. The bank send me the new card and apologized for what had happened. Then XXXX months later I received a demand letter for payment on the fraudulent charges. I called the bank immediately and asked why would I be responsible for those charges??? The bank said that they investigated the records and concluded that the charges were mine based on the following information : they checked my payment history record and pulled out random checks that were mailed to them for my monthly statements. One signature ( according to the bank ) matched to the signature on the fraudulent transactions that happened in XXXX, Hawaii. Despite the fact that person signed for that transactions was done by XXXX XXXX who ate at the hotel in XXXX at the same time of my XXXX and possibly made other purchases. I had an XXXX and have the Police report with pictures from the accident, my injuries, witness statement, my daughter being with me as well, legal contract with my injury attorney representing me -- -- Chase bank did not take into account believe any of it. I even had my attorney call the bank to confirm the fact that I was in XXXX, California and could not be in both, XXXX and XXXX at the same time.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
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. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few fraudlant inquiries reported to my account
Product: Money transfer, virtual currency, or money service

My husband and I were alerted in XXXX of XXXX  by the IRS that someone used my social security number and name to open up a PayPal account or credit card and took in {$53000.00} from XXXX XXXX. They only used my name and social security number and a different email address, phone number and address so we never knew about this until the letter from the IRS. At that time I spent XXXX weeks dealing with PayPal and they conducted investigations regarding this matter and found the account to be fraudulent in my favor. At that time, they told me that they would sent information to the IRS stating it was not my income and they never did. Now recently we are getting more letters from the IRS stating we owe them money. I recently contacted PayPal regarding this account and they gave me all the information of the fraudster that used my information. They gave me the email they used, phone number and address. Yesterday I contacted PayPal again regarding this matter because the IRS needs that 1099 amended from them and they were supposed to send me an email and letter to the IRS stating that the account was in fact found to be fraudulent and it was not mine. I have yet to receive the email. The IRS has sent us numerous letters regarding this matter and is wanting us to pay well over XXXX in taxes due to this income that was not mine. All we need help with is getting information from PayPal stating that the fraudulent account was not mine and we also need an amended 1099 sent to the IRS. I have made numerous reports regarding this incident to the FTC, IRS, and FBI. We are currently working with a lawyer to help us with the IRS.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 requirem
ents 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

WESTERN SHAMROCK CORP {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$57000.00} XXXX XXXX  XXXX Balance Owed XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00}