23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have had the loan for over 2 years now. I borrowed {$400.00} and have been making monthly payments of $ XXXX {$110.00} each month. I have paid this loan 4 times over and my balance will not decrease. I have made several calls and sent several emails to them about making a settlement to just get rid of the loan, and they never respond. I just want this to be considered paid in full. Since they choose not to get back in contact with me. 

Please help me with this.
Product: Checking or savings account

On XX/XX/2020 I found out that Bank of America closed my two accounts - both checking and savings without notifying me the reason of closure. I hold about {$70000.00} in both accounts collectively. All my life savings are in these two accounts and now the bank keeps saying that my account is under review and they wont release the funds until the review is complete. I have reached out to several agents within Bank of America, but nobody is giving me a deadline on the funds release. All they keep saying is that it is under review and not completely closed. I don't care, I need my money. I have no money to pay bills, pay my rent. I also signed a home contract on which i had to make a {$70000.00} down payment on XXXX XXXX and all of that is now stuck. I want to Sue the bank no matter what. The people working on this from the financial institution are - XXXX, branch manager and XXXX XXXX - Senior VP and these individuals are completely useless.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

I am in military and had to move due to service. On XX/XX/XXXX I made a principal payment of XXXX dollars because we had an offer on home. During that time I have had several problems on XX/XX/XXXX I called because it was not done. They told me that I they made a mistake and would correct so I could close. Since then called everyday nothing was done. I also made another XXXX principal payment that was not paid to principal. Long story short I was suppose to close and lost the chance to close on my house because of carrington mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I identified several unauthorized inquiries listed on my Equifax credit report. These inquiries were not initiated or authorized by me, and they are clearly fraudulent. The inquiries in question are from XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX Dealer Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX Inquiry Date : XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX Inquiry Date : XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXXInquiry Date : XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately In accordance with proper procedure, I promptly filed a dispute with Equifax and provided all necessary documentation, including a report from the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries. Despite this, Equifax has failed to remove the unauthorized inquiries from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputed information on credit reports and correct any inaccuracies. By not removing the fraudulent inquiries, Equifax is in clear violation of my rights as a consumer under the FCRA. 

The presence of these fraudulent inquiries on my credit report has caused significant distress and potential harm to my credit standing. Therefore, I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to ensure that Equifax :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX  XXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called XXXX XXXX on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Product: Credit reporting or other personal consumer reports

TransUnion credit report company has had on going Disputes place on my account regarding company XXXX auto this information iis not my l report to please XXXX  this information and XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX firm has sent in information requesting to Delete this Account off my Credit report. Whenever l received credit report this company is constantly showing hasn't been deleted. The XXXX firm sent in XXXX  Drivers license. And XXXX XXXX  agree the information doesn't match instead TransUnion. Delete it this company continuous Disputes behind XXXX another
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.XXXX XXXX XXXX 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

sirs @ transunion, these accounts are not mine adverse : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS IN MY CREDIT FILE # XXXX  THEY ARE LISTED ON FTC REPORT AS FRAUDULENT ACCOUNTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I visited XXXX XXXX, a grocery store located on XXXX XXXX in XXXX, GA, to purchase groceries in anticipation of a snowstorm. The total amount due was {$98.00}, which I attempted to pay using my Cash App card, as I had sufficient funds for this purpose. However, the transaction declined three consecutive times. Despite the declines, the funds were deducted from my account. I brought this to the attention of the cashier, showing them my Cash App balance as evidence of the charge. The cashier explained that the transaction was never processed on their end and advised me to contact Cash App for further assistance. As a result, I was unable to complete my purchase and was forced to leave the store without my groceries. Furthermore, I initiated a claim to retrieve my {$98.00}, but the issue was disputed three times, and I have yet to receive a resolution. I possess receipts documenting the declined transactions, which correspond to the time and date the funds were deducted from my account. Unfortunately, neither Cash App nor XXXX XXXX has provided assistance in resolving this matter, leaving me frustrated and without a refund.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC is furnishing an account on my credit report that has not been validated by the original creditor. I sent a complaint via XXXX  to XXXX XXXX XXXX XXXX, and they stated that they would mail me correspondence. The paperwork I received did not verify the balance that is being reported by this company, nor did they send me any contract bearing my signature and they did not name LVNV as the owner of this account. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.
Product: Debt collection

In XX/XX/XXXX I noticed that Genesis Credit management llc has been FALSELY reporting on my credit for some time now. I have been a victim of identity theft since XXXX which Ive made credit companies aware of which has caused me to block my credit. Unfortunately, I am unaware of this debt. I did not have the opportunity to dispute this debt PROPERLY, due to NOT RECEIVING THE PROPER NOTIFICATION. Truly, if in fact its believed that Ive received proper notification, please provide certified mail receipt with my signature proving that Ive received the notice.
Product: Credit card or prepaid card

After 17 years of having a Netspend account, they changed their flat rate for over the counter withdrawals from {$2.00} to % 1. However, it states on their website that the over the counter withdrawal fee is {$2.00}. On XX/XX/2021 I did an OTC withdrawal, and they charged me {$8.00} fee. I called to dispute the fee same day, and was told that they didnt change their fees that it is still {$2.00}. Yet, when I called back on XX/XX/2021 the Netspend rep stated that they changed their fee to % 1 on the dollar. They never updated this change on their website, nor notified their account holders. The rep reimbursed me {$5.00} and just said sorry, and hung up on me.
Product: Credit card

AAFES had a hard inquiry on my credit report on XX/XX/year>. I did not open this account. I noticed the inquiry and immediately called AAFES. They said this account was for a Military Star card. They said the account had already been closed. 

I would like to have this inquiry and account removed from my credit report.
Product: Checking or savings account

A month ago I mailed a {$500.00} check to my bank and last week I mailed a {$200.00} check and they can not find them. I mailed them with a deposit slip to my local branch. I have been calling them for days and they do not answer the phone. I am XXXX so I mail all my checks to the bank and I have never had this problem before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not contact XXXX because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my XXXX XXXX as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my XXXX score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. I'm also aware that Experian has just been sued by the CFPB. This makes me question the validity of my previous investigation. I attached a copy of my previous Experian credit report with deleted items then replaced back. Thank you.
Product: Vehicle loan or lease

on XX/XX/2024 while at my boyfriends house, precision recovery repossession company trespassed onto private property, pretty much drug the car throught the XXXX driveway, leaving grease stains and the gravel all dug up, as well as side swiping the garage of my boyfriends. never knocked or anything. this wasnt at my home it was at my boyfriends. they illegally came onto publicly marked private property and drug my car out of the driveway damaging the gravel and garage in the process, as well as leaving broken glass all by the garage. they unlawfully repo the car and took it an hour away where they held it for the next 25 days. I tried to get to the place to get all my personal belongings but i have no vehicle and no family to get their. I had a lot of items in the vehicle as i wasnt planning for it to get stolen off of private propertyl. i also have an intoxalock breathalizer device installed in the car which costs over {$3000.00} and had all my dna and biometric information stored on it. i had my prescibed medicine in the vehicle my birth certificate and other sensitive documents. this company did an UNLAWFUL REPOSSESSION by breaching the peace and breaking onto private property and stealing my car all while physically damaging someone's property. This company should be punished for using illegal measures to get a vehicle. i have not recovered anything that was in my car. 

**The only reason i quit paying on the auto loan was because i received a notice saying that someone that worked for cfpb and santander usa/chrysler capital sent my personal information and auto loan details to their personal email account. i was sent a letter from the cfpb department notifying me of this. chrysler capital never notified me of this breach of my information. i became very scared to give out any of my account information anymore and i was preparing to sue chrysler capital for the enormous breach of my sensitive personal information. i should be given the car back. i paid on it regulary for almost XXXX y ears. i have paid the value of the car almost entirely. not only was my information handled extremely poorly by this company, then they take illegal measures to get the car back to the point of breaking onto private party and causing property damage to an innocent individuals driveway and garage. **
Product: Credit reporting or other personal consumer reports

As stated in the attachment, the original dispute was handled incorrectly due an internal error. Also, the debt collection company ( XXXX  ) has closed the account showing nothing is owed. Experian has stated they will delete the account, but has failed to do so as of this date.
Product: Debt collection

I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX   you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX Bank is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX