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

Got pre approved for a vehicle with XXXX XXXX and went to XXXX XXXX to pick up a XXXX XXXX. The initial salesman lied and told me my preapproval with XXXX is not valid and attempted to deceive me into running my credit with another bank. I objected several times after taking a test drive, telling them I only wanted to deal with XXXX XXXX for the loan. They then proceeded to falsely advertise incentives. After doing another credit check I was told I was denied, and shown a credit score and profile that was not mine of another lady named XXXX XXXX. I almost sadly walked out thinking I was denied until I noticed they gave me another customers credit report which is illegal. After telling the owner XXXX XXXX I would leave a XXXX Review ew he threatened me, saying that things would happen but he wouldnt know who did it. All this happened after they refused to give me a business credit application for my company I own a percentage of by only providing the last co-signer page of the application. They have committed dealer fraud. XXXX XXXX XXXX said he was told by the sales and finance manager I did not want to deal with XXXX XXXX  and this was a lie, I told him thats the only place I would deal with. I was asked to leave after my boyfriend started recording the situation, and then cornered in the parking lot once again by the owner XXXX XXXX whom threatened us earlier ; I kept telling him needed to leave to feed my XXXX year old child. He offered to give me the XXXX XXXX for the weekend while he finished my loan and called XXXX, I objected telling him they have broken several laws and violated my rights in the process.
Product: Money transfer, virtual currency, or money service

Wells Fargo XXXX XXXX. Got one number wrong in a phone number and couldnt get my money bsck
Product: Mortgage

Unacceptable business practice from US Bank. US Bank placed a lender-bought wind insurance retroactive for XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX. 

When I called US Bank and spoke with the representative to question if they require wind or hurricane insurance, they could not answer me. The first letter I received from US Bank stating they required hurricane insurance was on XX/XX/XXXX and I bought hurricane insurance on XX/XX/XXXX ( next business day ). US Bank did not refund my full {$5600.00} and refunded {$4300.00}. US Bank 's stated in their letter that on XX/XX/XXXX a representative told me on the phone that I needed hurricane insurance on when I called their customer service line. What kind of unacceptable communication from a bank is this? 

I remember calling a US Bank representative on XX/XX/XXXX and he said they will not refund me and hurricane is required. I asked him if he can send me a letter from US Bank stating that I need hurricane insurance, he said he can not send me a letter. Then I talked to another US Bank representative after XX/XX/XXXX, and the representative did not know whether or not I need hurricane insurance or not. She said she would get back to me by voicemail after she speak with her supervisor, but she never got back to me. 

The first written letter I received from US Bank that stated I need hurricane insurance was on XX/XX/XXXX, and I purchased the insurance on the next business day XX/XX/XXXX. I am requesting the the remainder amount {$1200.00} of the lender placed insurance to be refunded due to US Bank 's poor communication and multiple confusing letters asking for wind insurance, which I had. I received the first letter from US Bank on XX/XX/XXXX ( through the complain on CFPB ) asking for hurricane insurance and purchased hurricane insurance the next business day. I request refund of {$1200.00}. As a borrower and consumer, I was not trying to avoid insurance or under coverage. US Bank had poor communication and no clear written notice to borrowers. They had poor customer service, they refused to acknowledge their confusing letters and did not provide written communication to borrower when asked.
Product: Checking or savings account

I wrote a personal check for {$50.00} to a relative for a birthday gift. The birthday card and check were sent via USPS mail was stolen somewhere in IL - as the intended recipient was in CA. 
I have reached out to Chase to dispute this about 38 days after the check was posted against my account. This check was washed, had a forged signature and new amount of {$490.00}. It was chased in person by a non Chase account holder at a Chase branch where no signatures were checked. The Chase Bank also received a fee for cashing this for a non account holder. I feel that they participated in fraud by not checking signatures. 
I have went to the XXXX police department and filed a complaint. They investigated and determined that a fraudulent ID was used to cash this check. 
Chase was unable to assist the police department with any video of the transaction, stating that they do not keep videos for more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDUCATION/NELN XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

In XXXXXXXX XXXX 2021 i opened a HELOC account with IberiaBank. I was told our rate was % 3.00 for the first 120 months. My HELOC account agreement and disclosure clearly states the same. On page one the fourth paragraph states the minimum payment terms. I have tried on several occasions to rectify this with XXXX/First Horizon and they basically just ignore my request. 

I am requesting this be resolved to the fullest extent of the law. Thank you for your time.
Product: Debt collection

Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. XXXX is a third party collection company representing Federal Pacific Credit Co. that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Method Of Verification from the XXXX XXXXs one inwhich will substantiate their XXXX XXXX. I have denounced and disputed the following items reporting on my credit file. However, I was told by the credit agencies that these accounts been verified. As a general rule of law electronic Verification can not be accepted as proof. So I'm demanding physical documentation or as stated within the FCRA consumer laws if the XXXX XXXX XXXX  can not properly verify disputed accounts then they shall be removed immediately. Please remove these accounts, 1 ) XXXX XXXX  of MO 2 ) One Main 3 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX {$790.00} 5 ) XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX$2300.00} 9 XXXX XXXX XXXX XXXX {$1500.00}
Product: Debt collection

Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my XXXX XXXX. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX XXXX XXXX XXXX. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open XXXX XXXX XXXX XXXX Balance : {$750000.00} XXXX XXXX XXXX XXXX Balance : {$740000.00} XXXX XXXX XXXX Balance XXXX {$34000.00} )
Product: Credit reporting

This account is not mines. i have filed paperwork with he AG of Florida and filed dispute with company. company did not contact me prior to adding this account to my report. 


XXXX Account number XXXX Recent balance {$3700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 

XXXX FL XXXX XXXX, FL XXXX XXXX Address identification number XXXX Original creditor XXXX - XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$3600.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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 card or prepaid card

I AM DESPERATE FOR HELP. DUE TO A LIFE CRISIS I LOST ALL OF MY CREDIT CARDS & AM STRUGGLING TO GET MY LIFE BACK. THE ONLY MAJOR CREDIT CARD I HAD LEFT OPEN IS CITI SIMPLICITY CARD. MY CREDIT LIMIT WAS {$1600.00} AND I MAKE MY PAYMENTS BY AUTO-PAY 2 TIMES A MONTH TO COVER THE MINIMUM PAYMENT. 

SINCE I LOST 80 % OF MY INCOME DUE TO COVID19 I  NEEDED TO RENT A CAR TO DRIVE WITH XXXX BUT THEY ONLY TOOK CREDIT CARDS, NOT EVEN A DEBIT CARD SO I CALLED CITIBANK TO PAY ENOUGH TO OPEN {$1000.00} AVAILABLE CREDIT SO I CAN RENT THE CAR. MY ACCOUNT WAS NOT PAST DUE. 

ON XX/XX/XXXX I CALLED TO PAY {$250.00} BUT THE RENTAL COMPANY NEEDED A DEPOSIT ALSO SO ON XX/XX/XXXX I PAID ANOTHER {$750.00} BOTH PAYMENTS ON MY DEBIT CARD SO THE I WOULD HAVE INSTANT AVAILABLE CREDIT AND SO I NOW HAD APPROX. {$1000.00} AVAILABLE CREDIT & WAS GOING TO RENT A CAR FROM HYRECAR STARING XX/XX/XXXX USING MY AVAILABLE CREDIT THEN CONVENIENTLY A FEW DAYS LATER CITIBANK LOWERED MY CREDIT LIMIT TO APPROX. {$590.00} AND USED MY {$1000.00} TOWARDS PAYING THE PRINCIPAL OWED!!! 

THE PHONE CALL WITH THE AGENT CLEARLY SAYS I WAS PAYING THAT MONEY TO USE FOR A RENTAL CAR & MY STATEMENTS PROVE THEY USED THE AUTO PAY FROM MY BANK ACCOUNT IN ADDITION TO FRAUDULENTLY EATING UP THE {$1000.00} I DESPERATELY NEEDED IN ORDER TO GET WORK DURING THIS PANDEMIC. 

I CALLED 5 TIMES, EACH AGENT TELLING ME MY ACCOUNT SHOWED I WAS GETTING THE {$1000.00} REFUNDED TO ME AND A WEEK LATER THE AGENT SAID THEY REVERSED THEIR DECISION & I WOULD NOT GET THE {$1000.00} BACK!!! CITIBANK USED DECEITFUL BUSINESS TACTICS BY UTILIZING MY {$1000.00} FOR THE WRONG REASONS. I WOULD NEVER PAY MY LAST DOLLAR TOWARDS A CREDIT CARD BILL & ESPECIALLY DURING THIS PANDEMIC. 

PLEASE HELP ME GET MY {$1000.00} BACK. I DO NOT DISPUTE THE LOWERING OF MY CREDIT LIMIT, I AM DISPUTING THE TIMING OF IT. THEY STOLE MY .
Product: Vehicle loan or lease

o Whom it May Concern, I financed a new vehicle with Santander Consumer USA on XX/XX/23. The amount I financed was {$38000.00}. 
I received my first statement From Santander on XX/XX/23. The statement date was XX/XX/23. The statement noted the payoff amount was {$38000.00}. I sent a check to Santander the following week for the payoff amount. 
I received another statement from Santander in the week of XX/XX/23. The statement date was XX/XX/23 and the payoff amount was {$38000.00} which was a {$100.00} increase over the statement I received just a week before. 
I called Santander and noted that I had already sent a check for the first payoff amount of {$38000.00}. The Santander rep I spoke to said they would honor the first payoff amount. 
I called Santander customer service on XX/XX/23 to ensure the account was paid and found that there was still a {$140.00} balance due. I then spoke to XXXX, rep ID XXXX, about the issue and explained everything to her as noted above. She noted there was nothing she could do. I paid the remaining balance via debit card. 
I am seeking to have Santander honor the first payoff amount, as the first rep I spoke to said he would, and refund the excess {$140.00} amount I had to pay to close the account. I also think I am not the first person they did this to and there are likely other citizens who have also been subject to this fraud. 

Thanks for giving this your attention and I hope to hear from you soon.
Product: Student loan

I have been paying my student loan through ACS Education Services for 10 years. Never missed a payment, and have never been late on a payment until recently because we are going to pursue legal action. My principal balance has increased instead of decreased. All my payments are mostly applied to the interest and not the principal balance. I am on a FIXED rate plan but the interest seems to be variable and calculated by which day i pay. ACS is saying i owe more than what i originally took my loan out for. How is that possible? In the end they want me to pay DOUBLE what my original loan amount was. How can they get away with that? I understand that some of the payment needs to be applied to interest, but the majority of it should not!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX all have different information on my reports and are allowing debt collectors too many wrongful acts of harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent yet another dispute to Transunion because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX   as they were unable to be validated but Transunion continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX   stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX/XXXX XXXX XXXX XXXX XXXX XXXX ( Same Account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit checks on my report which will expire in the coming weeks. Transunion lowered my score by 31 points to sabotage the benefits I will receive from these credit checks being removed. They lowered my score for no apparent reason when virtually nothing negative occurred on my credit report. It was intentional and abusive.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent credit inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I see some unauthorized inquiries on my Equifax credit report that I did not authorize and I would like them to be removed immediately. Also their inaccurate personal information reporting to my Equifax credit report I would like all the old address, phone number, and jobs.
Product: Credit reporting or other personal consumer reports

In accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2 ( Section 605B ) **, on XX/XX/XXXX, I requested both XXXX and XXXX block and remove fraudulent inquiries from my credit report. Under this provision, credit reporting agencies are required to block information resulting from identity theft within four business days. 

**Unauthorized Hard Inquiries : ** The following hard inquiries were not authorized by me and are a result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, under the **Texas Business and Commerce Code 20.034**, as a resident of Texas, I am entitled to have all fraudulent information resulting from identity theft removed from my credit report. This statute mandates that consumer reporting agencies must reinvestigate disputed information and delete any items found to be inaccurate due to identity theft. 

I provided via certified mail : - Copy of my Government-Issued Photo ID** - Proof of Current Address** ( e.g., utility bill, bank statement ) - Copy of Police Report** ( Identity Theft Report )
Product: Credit reporting or other personal consumer reports

To whom it may concern, Experian has failed to full fill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute account, as Experian 's inaction violates federal law and my rights as a consumer.