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

I was struggling to find work at what I was previously making after my layoff in XXXX. Although I paid off this loan, and paid extra late fees they required, some of the late fee payments were late, incurring more late fees. This vehicle has been sitting in my driveway since XXXX needing an engine replacement. I need the title so I can have it towed out of here, but can not seem to obtain it. 

Also - my correct e-mail address is XXXX. I could not find the profile page to fix it.
Product: Student loan

unable to contact customer service for SAVE IDR due to excessive wait times.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ask for a fraud alert to be placed because someone with a women name and in XXXX  was using my info for credit. Now on XX/XX/XXXX happened once again but this time someone named XXXX XXXX, and with a residence in XXXX!!! I live and have lived in XXXX  and have XXXX XXXX and driving license ONLY. Apparently the XXXX major bureaus are not doing their job properly and people are still committing fraud, using someone elses personal info and getting whatever their intentions are. 
I kindly demand to XXXX XXXX inquiries, XXXX XXXX inquiries and Transunion XXXX inquiries, to remove the all those unauthorized and fraudulent inquiries that I never did and when the fraud alert was in place.
Product: Credit card or prepaid card

This is what happened : I was checking my credit scores than I see that I have a XXXX bank credit card and I was surprised because I never apply nothing from TD bank and the card was apply on XXXX XXXX and was open on XXXX XXXXThan I when to TD bank to check it and the say my information is there but the dont find a card and saw the agent prove on my XXXX  app she said Im surprised I dont see any credit card but your information is in the system then the ask me to call the credit bureau to block the card its nothing the can do. The following day I call XXXX  the said its like a co-signed thats why I have the report on my name than I told them I dont take any co-signed to nobody and I even not in the country I was on vacation the time credit card was open I ask them to close the card and tell me where the card was mail and the name who using it and the redirect me to TD bank i went to the bank again and the bank redirect me to FTC.
Product: Credit reporting or other personal consumer reports

This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from Experian and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, XXXX and Transunion and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed my credit report
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Product: Credit reporting

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has open fraudulent Account Under My Name that I Did not Authorize
Product: Debt collection

I'm receiving texts every 1 to 4 days about a debt that was never sent by any of the origination companies, and that isn't showing on my credit report. Upon further investigation, this looks like a common problem with this company. This is one of the texts and it didn't make sense. Why would they return my account to anyone? That's not how debt collection has ever worked, in my experience. 

We have limited time to work with you before we must return your XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from Dynamic Recovery, a debt collector. Reply STOP to opt-out I haven't clicked on anything or replied to anything, but this number belongs to the company listed, I did check that.
Product: Checking or savings account

Withdrawal transactions from Goldman Sachs Apple savings to two established accounts that were working for similar transactions in early XX/XX/year> are now being declined XXXX days later. I was told this was some kind of technical issue, caused by possible trigger events like late credit card paymentsbut I have never been close to being late for any card payments. So for some vague reason, or no reason, the GS system suddenly requires additional account verification on GSs part ( not with me ) and that will take an unspecified amount of time to correct before I can transfer funds to my accounts that were available for identical transactions a few days earlier. No longer being able to withdraw funds to previously working accounts is apparently a commonly occurring technical issue requiring some kind of additional bank verification by GS.

Denial of access to savings account funds by declining withdrawals is a hardship, especially with verified accounts that were allowing identical transaction for months and as recently as days earlier. ( This is not an account setup and verification issuethat was completed months ago. ) If this is a common technical issue as the support agent suggested, it should be considered a major technical problem that needs prompt resolution.
Product: Credit card or prepaid card

I have multiple store cards with Comenity Bank ( XXXX XXXX  XXXX XXXX, Victoria Secret, XXXX XXXX, XXXX  ) I have been out of work since early XXXX due to the global pandemic. I have been trying to contact them through their secure messages and it says you have to call for CO-VID19 assistance. I have called numerous times there is a 2 hour hold, and you never get through, they have limited staff due to them practicing social distancing, and staff safety so how can someone get help? The responses through the secure message is call you can never get through when you do call. How can a consumer get help if they can't reach a creditor?
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 Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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: Checking or savings account

My name is XXXX XXXX XXXX XXXX legally formerly known as XXXX XXXX XXXX XXXX XXXX, TN. I opened a business account with the US Bank back in XX/XX/XXXX to be able to receive our new XXXX Loan Proceeds from XXXX XXXX XXXX XXXX. Our loan proceeds were wire transfered to our business checking account on XX/XX/XXXX, a transfer of ( {$140000.00} ). The XXXX loan was originally a {$150000.00} XXXX XXXX, but the lender deducted some closing expenses from the loan amount. XXXX days later the US Bank flagged our account, put a full hold on it and set up the account for closure. We found ourselves without any access to our own money. And our vendors could not take any money out of the account either. We did not receive any notification or letter of this either on the mail, email, or phone call. I called on the XXXX of XXXX to request more information, they did not provide further information. A request for closure and release of the funds was requested on the XXXX. This was done by the US Bank CAFE Department. XXXX, the US Bank CAFE agent that sent the request on the XXXX, said it would take XXXX business days to receive the cashiers check with the funds and the account to be fully closed. It is been more than XXXX business days since that happened and I have been calling the bank almost every day to request information or updates, but they say they dont have any updates or cant give a timeframe to receive the funds. I have notified many CAFE agents of the hardship this situation has created for us, since we were counting on that money for not only our start up costs but our personal expenses, additionally to the already financial obligations we have as a new business like vendors, rent, etc that we are unable to fulfill. For example the XXXX loan monthly payment was due on XX/XX/XXXX, we were unable to fulfill that. Thankfully they gave us some more time to try to get this resolved with US Bank. Today I called the XXXX XXXX ( again ), they said they escalated this and that the department no longer is involved with releasing the funds, they did not provided any timeframe for the release of the funds, or an explanation, further aggravating our financial hardship because we cant access our money, cover personal expenses and fulfill our obligations, and we cant give our vendors, or lender a timeframe so they have an idea of when we will be able to have access to our money. The CAFE agent that I talked to today said I should have received a letter explaining this issue at the beginning, letter I did not receive, and they are aware of that because I let them know I was not aware and I have previously received other letters from the US Bank before so they can not say they dont have the right mailing address on record. I will appreciate if you can help us get this situation resolved with the US Bank and alleviate the hardship this undesirable, frustrating and unfair inconvenience has caused to us and our small business aspirations due to malpractices from this banking institution ( US Bank ) supposed to be there to help us with our financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, P & B Capital Group LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with P & B Capital Group LLC. My consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. P & B Capital Group LLC also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.
Product: Credit card or prepaid card

I accidentally sent check to Bank of America : my Bill Pay through XXXX XXXX sent payment to Bank of America instead of XXXX XXXX where check intended to go. I have screen shot I filled in correctly. 
I do not have an account with Bank of America however bank cashed my check and is not refunding credit balance. I called about 25 times spoke with various managers, was promised they would refund the money which is over $ XXXX. 
It has been a month, I still dont have my refund. This money supposed to go to XXXX XXXX to pay my property tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.
Product: Mortgage

We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

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

The vehicle was returned at the end of the lease. NOT repossessed. I have asked both the car company and the credit bureau to correct this error on my credit report. This should not have a negative effect on my credit as it was not paid late and was returned as per contract. 


XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$17000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$17000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 3 yrs, 11 mos ) Term24 months ( 2 years ) PAYMENT HISTORY Last paymentXX/XX/XXXX Payment status -- Worst payment statusNo Info ACCOUNT DETAILS Account statusClosed TypeAuto lease ResponsibilityIndividual RemarksPayment after Repossession Paid repossession Times 30/60/90 days late0/0/0 ClosedXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number # : XXXX Violation of 15 U.S.C. 1681n : Experians willful noncompliance with its investigative and reporting obligations has caused undue harm to XXXX XXXX XXXX financial standing and personal reputation. As a result, We are entitled to statutory damages, punitive damages, and any other relief permitted under the statute. 

Violation of 15 U.S.C. 1681o : In addition to willful misconduct, Transunions negligent actions in failing to adequately investigate and correct this matter constitute further liability, entitling me to recover actual damages and attorneys fees.

Breach of 15 U.S.C. 1681s-2 : XXXX XXXX XXXX , as a furnisher of information, has provided false and inaccurate data to XXXX, failing to conduct reasonable investigations following my disputes. XXXX continued reliance on such inaccurate information exacerbates the harm and underscores its systemic failure to adhere to legal standards.