23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I retired in XX/XX/XXXX. 
I paid off this credit card company from the proceeds of my house sale. 
During the move ( XXXX ) to florida, I notice strange charges against my Barclays Bank account ending in XXXX. 
I in formerd them of possible fraud. 
They DID send me a letter agreeing it was fraud and reversed the charges. ( I still have it! ) And another a month later saying they changed their mind ( so they say, never recieved it! ) I thought I was okie dokie. 
I should have demanded to close the account right there and then. 
I started receiving bills from them that my account had Ballooned to over {$11000.00} in debt and behind in payments. 
I called, and verbally got a payment plan and asked them to look into even more fraud. 
Nothing. 
BCalled again and again verbally they agreed to a {$220.00}. A month plan for 60months and dropping late / finance charges. 
Never in writing mind you. 
Last month they charged my checking over {$900.00} AFTER I paid the agreed amount. 
I have all of the statements, letters I did recieve. 
It is my understanding that the fair credit act requires them to monitor for 7 years after first report for further fraud. 
Obviously they did not. What can I do? 
I am retired and living on a fixed income and my Checking account is almost gone. 
Please help. My credit score is junk., So I cant even get a consolidation loan. 
I own my house outright ( no mortgage. ), but I am constantly worried how to pay taxes and real estate taxes. I considered a reverse mortgage, But my COA community is not qualified for a FHA Back financial product such as that. 
Please help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Vehicle loan or lease

vehicle turned in XX/XX/XXXX, excess mileage. invoice never came, GM FINALLY sends out there first collection notice in XX/XX/XXXX, and has been reporting me continuously late on my credit report, damaging my credit score. FINALLY get through to GM, and request a duplicate copy of the detailed involce, as the dollar amount they are attempting to collect FAR excess the excess mileage charge. I am told " we only provide 1 detailed statement, you CAN NOT HAVE ANOTHER ONE ''. Their process for lease end charges is ABUSIVE ; they do not provide final invoice at the dealership, they mail an invoice 1 time, ( which went to the wrong address ). 6 months go by until they make a collection call,. my credit is damaged as they have been reporting negative all along ; THEN THEY REFUSE TO PROVID REQUESTED DOCUMENTATION. And the dollar amount they are now aggressively collecting 6+ months later obviously includes other charges, hidden fees ect. Multiply this behavior x how many 10 's of thousand 's of leases they have outstanding and you have your answer as to why they operate in this fashion. Please investigate not only my situation, but the general behavior of GM Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had a loan with Dovenmuhle and they agreed on a forbearance and loan recalculation to begin in XXXX. In XXXX they transferred the loan to XXXX XXXX who refuses to honor the loan recalculation, and is saying I am in arrears since XX/XX/2021 even though I paid Dovenmuhle
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all three credit bureaus separately on XX/XX/2023. XXXX, Equifax, XXXX XXXX. 

Dispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written consent for this account to be furnished on my credit report. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX
Product: Debt collection

I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. 
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. 
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. 
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. 
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.
Product: Debt collection

XX/XX/XXXX. XXXX Spoke to XXXX , she informed me she would mail out a form for me to fill out & then she would ensure account was deleted for identity fraud. 

XXXX XXXX I called to follow up and spoke to supervisor and he informed me account was sold to XXXX XXXX XX/XX/XXXX. 

I informed him that it was not my account.

I then was told I needed to call this company and have them delete it.

I spoke with the company, they told me they would delete it, but account is still reporting to all credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Bureaus to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. Although I greatly appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there are still accounts and information remained that should have been removed. I recently received a copy of my credit report and was shocked to find that there are still items that I did not open and have no knowledge of being reported without being properly verified. I need the following items removed witho no exceptions : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I can assure you that I did not open these accounts 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. If the Credit Bureaus believe that the disputed items truly belong to me, I require the Credit bureaus to send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX funding # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, XXXX, and XXXX for numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws, as well as their mishandling of my personal and business information, which has caused significant financial and emotional harm. These violations stem from the following : Reporting Fraudulent Accounts and Inquiries : My personal and business information ( associated with Ohio XXXX XXXX, XXXX, XXXX XXXX XXXX, and Automate Everything, XXXX ) was used to create fraudulent accounts and generate unauthorized credit inquiries. These accounts and inquiries appear on my credit reports despite multiple disputes and clear evidence of identity theft. 

Violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Failure to ensure maximum possible accuracy in credit reports. 
XXXX XXXX. XXXX : Prohibition against accessing consumer reports without permissible purpose. 
Failure to Conduct Reasonable Investigations : Despite my submission of disputes and supporting documentation, including an FTC Identity Theft Report ( # XXXX ), the CRAs failed to conduct reasonable reinvestigations of disputed accounts and inquiries. These failures have prolonged the reporting of inaccurate and harmful information. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Requirement to reinvestigate disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX  : Furnishers ' obligation to investigate and report accurate information. 
Negligence in Safeguarding Consumer Data : My personal and business information was exposed in significant data breaches involving Equifax, XXXX, and XXXX XXXX XXXX. These breaches directly facilitated the fraudulent activities that have affected my credit profile. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requirement to protect consumer data accuracy and security. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Prohibition of unfair practices under the XXXX XXXX XXXX XXXX ( XXXX ). 
Relevant Case Law : CFPB v. Equifax ( 2017 ) : {$700.00} XXXX settlement for systemic failures in protecting consumer data. 
Failure to Block Fraudulent Accounts and Inquiries : I submitted valid documentation under XXXX XXXX. XXXX, including the FTC Identity Theft Report and police reports, requesting that the CRAs block fraudulent accounts and inquiries. These requests were ignored, violating my rights under the FCRA. 

Violations : XXXX XXXX. XXXX : Requirement to block fraudulent information upon receiving proper notice of identity theft. 
Improper Use and Reporting of My Credit Information : The CRAs failed to ensure that furnishers provided adequate validation before reporting accounts. In some cases, unauthorized entities accessed my credit reports without my consent or legitimate purpose. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX  : Prohibition of unauthorized use of credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX : Duties regarding address discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX - Balance {$8000.00} - Account number XXXX - Date opened XX/XX/XXXX US DEPT. OF EDUCATION - Balance {$14000.00} Account number XXXX - Date opened XX/XX/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. 
Best regards, XXXX XXXX
Product: Debt collection

I lost my job in 2021 and couldn't afford to pay my bills or pay rent after that. I had called the credit card company and pushed out payments for as long as I could. I became homeless and didn't have a permanent residence for almost 2 years. Unfortunately the credit card company said I was expected to pay and couldn't get anymore passes even though I still didn't have a job and was homeless. I had no way of receiving mail due to the fact that I lived out of my vehicle. I contacted the credit card company after i had finally found a job and they closed my accounts and let me payback the money that I had owed on a much smaller scale. I don't have any accounts in collection according to XXXX and XXXX. I don't understand how Cavalry SPV I , LLC. can say I owe them collection money when I'm making payments directly to the credit card company and both Credit Bureaus state that I have XXXX accounts in collection. I just lost my job a month ago and now Cavalry SPV I , LLC. is suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

XX/XX/XXXX Re : Consumer Financial Protection Bureau Complaint XXXX Subject : Response to Chase 's Claim of First Lien Position Threat Whereas, Governor XXXX vetoed XXXX XXXX XXXX on XX/XX/XXXX. She let stand an executive order prohibiting lien sales for water and sewer charges. In addition, Senate Bill 2023-S2540 is introduced to extend the Executive Order prohibiting lien sales for water and swerve charges. In accordance with these measures, the city council has decided not to renew the law authorizing lien sales for water and sewer charges. Chase Bank can not claim a threat to their first lien position which has been nullified by the mechanism of the legislative and executive apparatus of government.

Moreover, my longstanding agreement with the Department of Environmental Protection ( DEP ) explicitly safeguards Chase Bank 's first lien position. This agreement was established to ensure the bank 's security interest in my property. Despite the clear legal landscape delineated by executive order, legislative initiatives, and my contractual agreement with DEP, Chase Bank has embarked on a campaign of predatory manipulation. Their aim is transparent : to enable foreclosure proceedings under the guise of protecting their first lien position.

Argumentation : Disregard for Legal Prohibitions : Chase Bank 's attempt to foreclose on my property disregards the executive order prohibiting the recording of liens and lien sales for water and sewer charges. This demonstrates a blatant disregard for the legal framework established by the state government to safeguard homeowners.

Manipulative Practices : By asserting the protection of their first lien position as justification for foreclosure proceedings, Chase Bank attempts to mask their predatory lending practices. The executive order, coupled with the expiration of laws authorizing lien sales, nullifies any legitimate claim by the bank to prioritize their position. 
Violation of Contractual Agreement : Furthermore, Chase Bank 's actions directly violate the longstanding agreement between myself and the DEP, which explicitly protects the bank 's first lien position. Their disregard for this agreement underscores their predatory intent and lack of respect for contractual obligations.

Conclusion : In conclusion, Chase Bank 's predatory and manipulative practices represent a grave threat to homeowners ' rights and financial security. Their attempt to foreclose on my property in defiance of existing legal prohibitions and contractual agreements must be swiftly addressed by the Consumer Financial Protection Bureau. I implore the bureau to investigate this matter thoroughly and take decisive action to hold Chase Bank accountable for their reprehensible conduct. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am to receive  XXXX  points for every dollar spent at  XXXX   XXXX  locations. I am only receiving  XXXX . I filed a compla int  X/XX/2017  reg arding this issue . Case #   XXXX . It was resolved i n  XX/XX/XXXX .    M y  XX/XX/XXXX statement is showing ag ain  XXXX  points per dollar for a total of  XXXX . It should be  XXXX .      XX/XX/XXXX  statement is accurate.
 XX/XX/XXXX    statement is inaccurate. I should receive  XXXX  points.     XX/XX/XXXX  is sh owing  XXXX  pts per dollar again.   As I stated in my previous case, this is false advertisement and fraud.