23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

Id like to cash out my IRA that was issued on XX/XX/XXXX, by XXXX XXXX at the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Attempting to contact them by phone for the last 3 years has been unsuccessful. Ive called dozens of times and only got a live person 3 times. The first one said Id have to come in in person, which is impossible because Im living in Nebraska now. The other 2 times I was told someone would call me back but nobody ever did. The redemption value was {$2100.00} as of XXXX XXXX, XXXX. 

FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone ( XXXX ) XXXX
Product: Vehicle loan or lease

I financed a used car on XX/XX/XXXX, with a used car dealer at the time they were in a transition to change their company name from " XXXX XXXX XXXX '' to what they are now called " XXXX XXXX ''. The loan company is named " Credit Acceptance ''. 

On my bill of sale I owe {$25000.00} for a XXXX XXXX XXXX XXXX quad cab. I was also informed that this is the total amount I will owe. 
But when I logged in to my online account today with credit acceptance on XX/XX/XXXX, it shows that the initial cost of the vehicle is {$44000.00}. Which is untrue. Other times I have logged in prior to this I've noticed it fluctuated from XXXX to the XXXX range. and today {$44000.00} is what is reflected. 

I sense there is some numbers manipulation going on here and I sense that credit acceptance is not being honest and is not conducting business in complete legitimacy. 

Also at the time this was my first time purchasing or making any kind of auto purchase ever and I knew nothing about credit or interest ratings for car loans.

After making this mistake I've learned that the whole time I was being taken advantage of as I didn't know that 22 % APR on a used car was so high. Whether that be a used car or a new car for that matter. I learned that this rate is unacceptable as I tell everyone about my APR interest rating, they all tell me its extremely high and that I pretty much got taken advantage of. I demand that this unfair act be corrected and that no one else shall have to face the same financial hardships I have due to such high rates! 

I would like to move forward with addressing these issues and have the credit acceptance company take full responsibility for their actions! 

I have looked at my online contract and noticed there were fees not discussed in greater detail with me at the time of making the purchase. I initially thought that I would be paying only {$25000.00}. I realized now that it was the high interest rate at 22 % that made this amount go up. It doesn't make sense to me and I'm not happy about it at all. I feel as I have been tricked into making the purchase and no one ever explained to me that I would owe more than the vehicle was worth!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

I was scheduled for XXXX  XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX  XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. 

During this time, I received little to no help or care, post XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX  XXXX XXXX and XXXX  XXXX. I was immediately admitted and treated with multiple XXXX XXXX 

During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. 

I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. 

Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX  '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fraudulent charges were made on my Macy 's card XXXX 2015. Despite repeated phone conversations and documents filed, the Macy 's credit department continues to treat us as deadbeats, and they call us repeatedly for payment. Each time we talk to the fraud department, they claim they have no knowledge of our dispute. This week marks the third time we have sent in a fraud claim form.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Illegal Reporting of a Commercial Loan on My Personal Consumer Credit Report Dear CFPB, I am filing this complaint against [ Lenders Name ] and [ Credit Reporting Agencys Name ] for violating the Fair Credit Reporting Act ( FCRA ) by illegally reporting a commercial loan on my personal consumer credit report. 



Details of the Complaint : - **Name of Creditor : ** XXXX  AS PER CREDIT REPORT XXXX XXXX XXXX - **Account Number ( if available ) : ** [ XXXX ] - **Date of Reporting : ** [ XX/XX/year> XX/XX/year> ] - **Credit Reporting Agency Involved : ** [ XXXX, XXXX, XXXX ] I obtained a **commercial/business loan** through [ Lenders Name ] for business purposes and **not for personal, family, or household use**. Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681a ( d ) ( 1 ) **, consumer reports should only include information related to credit transactions used primarily for personal, family, or household purposes. Reporting a business/commercial debt on my personal consumer credit report is **inaccurate, misleading, and unlawful** under the FCRA.

This illegal reporting has negatively impacted my personal credit score and financial standing. I have attempted to resolve this matter by disputing it with [ Lenders Name ] and the credit reporting agencies, but they have failed to correct or remove the improper reporting. 



# # # **Requested Resolution : ** 1. **Immediate deletion** of the commercial loan from my personal credit report by [ Credit Reporting Agencys Name ].

2. **Correction of all inaccuracies** and removal of any negative impact this illegal reporting has caused.

3. **A formal response** from both [ Lenders Name ] and the credit reporting agency , confirming compliance with FCRA requirements.

4. **Any necessary regulatory actions** by the CFPB to prevent future violations. 



I am attaching copies of my credit report, dispute letters, and any responses from the lender or credit bureau. Please investigate this matter promptly. 



Thank you for your attention to this issue. I look forward to your response. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive received emails stating to activate my card and it was a new login to my account. I called Chime and they state somebody will be with you in 20 minutes but I waited over 40 and nobody came to the phone. I would like this persons information and the account closed. There is a phone number I dont recognize on the account. When I tried to change the password to see who this person was I couldnt because they were sending verification through that number. All I could see was the last 4 digits of the number that I dont recognize. It shouldnt be so easy to fraudulently open an account. This company should be investigated because Ive heard this from several people this has happened to.
Product: Checking or savings account

CASE NUMBER : : XXXX SORRY I LIVE IN INDIANA FOR LESS THAN A YEAR, I DONT EVEN HAVE A INDIANA ID YET, STILL MY OLD ILLINOIS FROM LAST YEAR AND 5 year ago MASSACHUSETTS. Why would I do unemployment here and I never worked a job here? I HAVE XXXX XXXX  IN TWO OTHER STATES WHERE I HAVE PREVIOUSLY LIVED. FOR THE RECORDS ITS PUA UNEMPLOYMENT WHICH MEAN XXXX ASSISTANCES WHICH I HAVE ALL MY ARTICLE OF CORPORATION AND TAXS FORMS INCLUDING 1099 PLUS BOTH XXXX  ON XXXX. SO THATS FRAUD TO GET UNEMPLOYMENT FROM INDIANA AND I GOT CURRENTLY XXXX XXXX IN TWO OTHER STATES. US BANK HAS NEVER ASK FOR ANY PROOF NOR INFORMATION OF MY XXXX. THE MAILING ADDRESS IS CLEARLY INDIANA BECAUSE I LIVE HERE CURRENTLY. SO AT THIS POINT I DONT NEED TO CONTACT INDIANA IF I DO I NEED TO TELL HOW US BANK IS TELLING ME TO DO FRAUD. BOTH APPLICATIONS ARE STATED DO YOU HAVE A CLAIM IN OTHER STATES? ANSWER IS YES AND STILL GOT APPROVED BECAUSE I SHOWED PROOF. ITS MY EIN AND MY SOCIAL SECURITY SO TRUST ME I WOULDNT DARE BE DOING SOMETHING THESE STATE WOULDNT KNOW. PUA FOR XXXX XXXX SORRY! NOW WHAT BANK DO I NEED TO CONTACT TO CLAIM MY MONEY FOR XXXX? I WOULD CONTACT THEM ASAP!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. Despite repeated efforts, the inquiries in question remain unidentified and unresolved, adversely affecting my creditworthiness. 

I have diligently followed the established procedures for disputing inaccurate information on my credit report, but regrettably, the issue persists. The unidentified inquiries are not only causing undue stress but also impeding my ability to secure favorable financial terms and opportunities. 

I initially discovered the unknown inquiries on my credit report and promptly filed a dispute with your bureau, providing all necessary supporting documentation. 

Following the submission of my dispute, I reached out to your customer service department to inquire about the status of the investigation. 

Despite assurances that the matter was under review, no resolution or clarification was provided regarding the nature and origin of the unidentified inquiries. 

I submitted a second dispute, reiterating the urgency of the matter and emphasizing the adverse impact on my financial standing. 

Having received no satisfactory response, I escalated the issue by contacting your bureau 's escalation department and seeking clarification on the steps being taken to resolve the matter. 

Despite these efforts, the unknown inquiries persist on my credit report, casting a shadow over my financial profile. I emphasize the urgency of this matter and the need for a prompt and thorough investigation to identify and rectify the inaccuracies in my credit history. 

I request that you : Conduct a comprehensive review of the unidentified inquiries on my credit report. 
Provide detailed information about the source and purpose of these inquiries. 
Take immediate action to remove any unauthorized or inaccurate entries from my credit report. 
Failure to address this matter promptly may compel me to escalate the complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 



As a consumer ; ( 4 ) a statement by the consumer that the " is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer : identifies as information that resulted from an alleged identity theft, not later than 4 business days after
Product: Student loan

Hello, I had my federal student loans serviced through fedloan. When I graduated in XXXX from grad school, I attempted to start making payments in XX/XX/XXXX when I started my first career, but was told by XXXX that I can not make a payment until XXXX of XXXX due to my payment date not being active yet. Even though I called over a dozen times between XXXX XXXX thru XXXX of XXXX, I was told the same thing that my loans are not in repayment yet. This deceptive information caused me to delay payment and caused unnecessary interest to add to my loan balance. The main reason I was asking to make payments before my official start of loan repayment was due to being employed and wanting to get ahead of additional debt. Unfortunately, I was young and inexperienced with the loan process so I felt like fed loan was acting in my best interest, but now I can see that was not necessarily the case. 

The next issue occurred around XXXX when I completed my annual income based repayment application for fed loan XXXX My application was processed by fed loan and I received a monthly payment of ~ $ XXXX mo XXXX on my application. At first I was confused by this decease as in the prior year I was paying over $ XXXX mo. I had no change in income/ employment status, so I again called fed loan over a dozen times to inquire why this occurred. I was informed that I fell below the poverty line based on my application information. I explained that must be inaccurate as I did not have a change in status and was making ~ $ XXXX year. The fed loan reps told me there is nothing that can be done and most loan holders want to have the lowest payment. Again, due to my lack of knowledge on how the loan process worked, I took fed loan as acting in my best interest. 

Fast forward to present day, I have educated myself on the loan process and that fedloan willfully provided inaccurate information that caused my loan to ballon in size due to several years of interest being added to my overall debt balance. A balance that should have been less if I was provide accurate information about my loans. 

I am hoping that someone can assist me in holding them accountable for this deceptive practice as I like many account holders was relaying on fed loan to act as an advocate for me.
Product: Credit card or prepaid card

I applied for and was granted an American Express Green Credit Card with no pre-set limits in XX/XX/XXXX for my business XXXX XXXX XXXX XXXX XXXX XXXX. 
Two cards were ordered, one for me and one for the Vice President / Operations Manager to conduct the daily business of the company. XXXX and XXXX are slow months in our business and we used the card frequently, we prepare tax returns, accounting, and other financial services to the General public and our XXXX revenue was over $ XXXX. The Cards were approved, despite there being XXXX in purchases between XX/XX/XXXX and XX/XX/XXXX. The stated amount to pay was paid on time for the total amounts charged in XXXX XXXX {$1000.00}, and XX/XX/XXXX ( {$3300.00} ). 
American Express reached out to me about my high balance and they were assured that these purchases were authorized, payments were on time and we had no pre-set spending limit. I was told that my card was being suspended until they did a financial review of my income. I found that strange because the cards were for my business not for personal reasons, these actions should have been taken prior to authorizing the credit in the first. I found out about the suspension of our cards when attempting to make a {$120.00} payment for a license I needed and I was embarrassed to find out that my charge was denied without warning. Did I mention that my cards had no pre-set spending limits? My personal income is low because I don't take a salary from my company due to XXXX. However, I have good credit and they approved me instantly upon applying. I have had to make two on-time payments since opening the account and despite making these on-time payments my account was closed on XX/XX/XXXX by American Express. They requested income information and I provided them with my business income and permission to collect it from the IRS on form XXXX. 
I feel violated, discriminated against, quite embarrassed and damage to my companies ability to conduct its business. Is this legal? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you
Product: Mortgage

On XX/XX/2020 I requested my loan note from Loan Depot. They said 3-4 business days for a fax and 5-7 business days via mail. I requested both just in case one failed to happen. I waited the 7 business days before calling and trying to request again. I have continued to call and have even emailed the original loan officer with no resolution. I dont take this lightly as I am trying to refinance my home with a significant saving and this is preventing me from doing so. This is very unprofessional as they are just sending a copy of an already processed loan. Being XXXX XXXX military I dont have the time to continue to ask a company for the same document.