23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX  XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible! 

I did went to the XXXX  XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX   and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks
Product: Credit reporting 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 XXXXXXXX Balance {$20.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Transunion about these inquiries on my credit report for the 5th time on XX/XX/ they advised me that i should reach out to the creditors which i did, creditors told me reach back out to the credit bureau, which i have done that to, by law nothing should be authorized on my credit report without my permission or me signing nothing.
Product: Mortgage

I got a lone in XXXX for XXXX at first the interest rate was at 6 % this lasted for maybe XXXX then I started to see banks take the lone and pass it around I went to a lawyer in XXXX he let me know i had something called XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I didn't understand that at the time I tried several times to refinance but no one will help because I XXXX XXXX XXXX that's been open sense XXXX that another reason why this lone should not have been giving because of the shop I believe this is a predatory lone and they can keep increasing there interest is not fair Slect Profolo servings located in XXXX XXXX XXXX if someone could help or guild me too the rite person feels like I paid this lone back 4 times over and there still want more ill never own my home again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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: Credit reporting or other personal consumer reports

Note : New found information is being submitted. This is not a duplicate complaint. 

Subject : Formal Dispute and Complaint Regarding Equifax Credit Report Dear Equifax Dispute Resolution Team, I am writing to bring to your attention a matter of great concern regarding inaccuracies in my Equifax credit report. As of XX/XX/XXXX, I have identified fraudulent reporting of creditors and accounts that are not associated with me. 

I would like to emphasize that I do not own a business, have never entered into joint accounts with anyone, and have not authorized the opening of any accounts in my name. On XX/XX/XXXX, I submitted a complaint with the Federal Trade Commission ( FTC ) under complaint number # XXXX. Additionally, on the same day, complaints were lodged with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax 's false reporting of XXXX  XXXX. 

Regrettably, as of XX/XX/XXXX, my disputes remain unresolved, and Equifax has neither responded to nor acknowledged my complaints. The accounts listed below are erroneously reported on my Equifax credit report and should be promptly removed : XXXX XXXX Accounts : ** - Account Number : XXXX - Account Number : XXXX To substantiate my claims, I have attached a copy of the quick results generated by Equifax XXXX indicating that the dispute was completed between XX/XX/XXXX, and XX/XX/XXXX. Furthermore, the attached report reflects an alarmingly low credit score of XXXX, which I believe is a direct consequence of the inaccuracies being reported. 

I kindly request that you promptly investigate and rectify these discrepancies in my credit report. I believe it is crucial for the accuracy of my credit history and financial standing. Please provide a timely response acknowledging receipt of this dispute and a detailed plan of action to address and correct the reported inaccuracies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I leased a BMW XXXX for my company at XXXX XXXX BMW of XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. But, the service company is BMW Financial Services NA , LLC. The lease period is 36 months ( XX/XX/XXXX to XX/XX/XXXX ). I prepaid {$30000.00} at the beginning of the lease, and the monthly payment is {$400.00}. This SUV was totaled because of an accident on XX/XX/XXXX. 

I have paid the total amount is {$35000.00}. ( Prepayment $ XXXX months ). The total payment ( contract amount ) for 36 months at the end of the lease is {$45000.00} ( Attachment 1 ) The payoff amount of my BMW account is {$48000.00} on XX/XX/XXXX, ( Attachment 2 ), and the insurance settlement amount from the total loss is {$70000.00}. ( Attachment 3 ) So far, I finished all my liabilities depending on the lease agreement. I asked the BMW XXXX to refund me {$19000.00}, which I prepaid and BMW FS didnt service, but BMW XXXX refused. They only offer a {$10000.00} ( 50 % of what I deserve by the payoff method ) Loyalty Payment Credit with many unfair terms.

-- -The Loyalty Payment Credit amount can be up to 50 % of the amount remaining after subtracting your contractual Lease payoff from the insurance settlement resulting from the total loss. The Loyalty Payment Credit can not exceed 50 % of the total monthly payments on the new lease or finance agreement. ( Attachment 4 ). 

This offer is unreasonable and unfair. What is the offer based on? Why is it up to 50 %? The offer also asked customers to use the Loyalty Payment Credit for 1 year with monthly use limited. Whats the interest rate? What can customers do if the customers dont want to lease or finance the vehicle again? BMW XXXX forces the customer to accept this unfairness. 

So I rejected this unfair credit offer. 

I tried to discuss this with BMW FS by phone. I also tried to solve this problem through XXXX The BMW FS still refused to refund the money I deserved. ( Attachment 5 ) I replied to the XXXX about why I rejected the BMW FS. ( Attachment 6 ). And XXXX said they couldnt solve it and recommended CFPB.

I hope BMW FS can refund {$19000.00} the money I deserve soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL XXXX AND TRANSUNION TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX  XXXX  XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

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

My XXXX  XXXX card was not supposed to b disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX have 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 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: Money transfer, virtual currency, or money service

I know a person who signed for my mail opened it and took out the contents and taped it shut and wrote return to sender. No police report because they won't touch it, now I've got charges because of this and Noone is going to help not police not not the post office not anyone.
Product: Credit card

In XXXX/XXXX/XXXX a Sears account was reported on my XXXX and XXXX credit report. 
I do not have or ever have had a Sears credit card. I noticed the account was opened XXXX and closed in XXXX. I looked on my XXXX credit report from XXXX/XXXX/XXXX on all accounts listed open and closed and Sears was not on there .Also XXXX XXXX/XXXX/XXXX Sears was not reported. If this Sears account was closed in XXXX why is n't it reported in the XXXX XXXX and XXXX reports? from XXXX for XXXX. 
I also noticed the reports do not indicate who closed it in XXXX. In XXXX I was living with XXXX XXXX on XXXX XXXX in XXXX, CA. Sometimes he would come with me to pay my XXXX at Sears. In XXXX I unfortunately was in a short term marriage on the XXXX to XXXX XXXX. I do n't know if they had anthing to do with this, but I did call FTC to report it as possible identity theft regardless of who opened the Sears account and who closed it in XXXX. 
My XXXX report had my last name XXXX : XXXX XXXX. I also noticed that the High balance : {$99.00}, and a credit limit of {$2200.00}. The {$99.00} High balance is a very unusual odd high balance. I noticed on my XXXX account, on all XXXX of my current credit bureau reports that XXXX has " XXXX '' months reviewed, and so does XXXX, XXXX XXXX XXXX, Citibank. Is there a connection? The only connection I can think of is that I always paid my XXXX XXXX at Sears in person. 
Please help me to find out who opened and closed this Sears account. Because there was some identity theft involved.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Checking or savings account

On around the 1990 's I opened a Wells Fargo account and my account was closed and my identity was used for a Home Mortgage Loan by another Wells Fargo recipient in which Wells Fargo used my information to allow the recipient to use my name to obtain a home loan as I had a checking account with Wells Fargo around 1990 's. 

I don't have any bank statements from those years of 1990 's but with my social security information, Federal Government can conduct a investigation on issues of Wells Fargo XXXX and Retaliation. 
Wells Fargo stated that I had or have a open checking account ending # XXXX, why Wells Fargo didn't provide the whole checking account number with evidence of Bank checking account statements for evidence? 
Why Wells Fargo send me a check of {$XXXX} in which I will not cash and on the letter it says to XXXX or XXXX? 
I am unware of this issues of Wells Fargo, but this is a major Discrimination and Retaliation against me as a XXXX and my National Origin and my XXXX status and Violations of my XXXX XXXX Civil Rights XXXX under Department of Justice.
Product: Mortgage

Bank of America does not release the lien on title and accuses the investor for not clearing the title. The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Bank of America has been attempting to resolve this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on HECM 's. 

FHA XXXX XXXX. : XXXX XXXX XXXX : XXXX
Product: Student loan

I have tried to contact Nelnet multiple times over the past month about payments and my loan repayment application. I have not received any information from them via mail or email. But I did get mail from a fraud claiming to be apart of the Nelnet and the XXXX. I went through the process because it was the only form of communication I had about the loans and it turned out to be a scam. The scammers are using nelnet lack of communication and customer service to get peoples personal information by pretending to work for the loan company. I still have not been able to talk to anyone at nelnet about this and to make sure that my student loan account is secure since the scammers may have access to it now. I was about to file reports and freeze credit lines but have not been able to get anything done about my account with nelnet. I can't do anything online, through the chat box, through email, or over the phone. There seems to be no one available. Every step I took ended with " contact us '' for further assistance, which led to the same phone number and email address. I have been on hold for several hours just today.
Product: Consumer Loan

I lost my job in XX/XX/XXXX and was unable to make payments on my loan. I obtained a job in XX/XX/XXXX and made one payment right away. XX/XX/XXXX my daughter was sick so I was off work for a short time. I was unable to make a full payment for XX/XX/XXXX. I offered XXXX $ one week, XXXX $ the second week and did not hear back from them until the sent me a default letter in the mail. The manager emailed me today and stated that I had not offered a viable payment and that because of that they would garnish my wages. I am attempting to pay what I can until I either gain a XXXX job or get back on my feet and can make the larger payment in full once a month. I explained to her that had she taken the smaller amounts it would have added to the larger payment but no response. She has not sent anything to court to be legally able to garnish my wages. I am attempting to offer smaller payments but they are not being accepted.
Product: Credit reporting or other personal consumer reports

As per the completed complaint XXXX XXXX XXXX took my full pay off amount for all my loans in XX/XX/year> by cashing the check I had sent to them. They proceeded to lose my deposited check and sat on my money for 4 months while marking my loans as delinquent. Experian is refusing to remove the delinquency status from my credit report. The loans are all paid off now ahead of time as XXXX finally found my check as they admitted in my previous complaint. I should not have been expected to essentially double pay the loans I had with XXXX  especially after I sent them a {$5000.00} check.
Product: Credit card or prepaid card

7 months ago I had an error where I couldnt access my online banking. This was stated to be a browser issue but was never stated to me until they jacked up my credit and hit me with late fees that is out of my control. I was locked out of my account and attempted to explain this to them. They offered help at first but never fixed the issue. On their end, they cant see the issue and being that there is a lot of fraudulent activity with cyber services and was locked out of my account I refused to give them every single bit of information ( social security, etc ) I attempted to resolve this with them multiple times and are still until this day are offering no help to resolve the issue. I made every attempt to solve this and my next action is obtaining a consumer attorney and filing a civil lawsuit at whatever cost because they are not an ethical company. I figure Id tried hear first. The company I am dealing with is FS Genesis Card Services. This company should not be legally allowed to offer any kind of financial service to anyone. I have had multiple employees from FS Genesis Card services acknowledge the wrongdoings and still offer no help. These calls are of course recorded for quality assurance. The comical aspect of all of this I have another credit line with their company with every single payment made on time : ). Any license XXXX XXXX holds should be revoked along with the other executives of this extremely fraudulent company.
Product: Credit card or prepaid card

As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.