23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month.
Product: Vehicle loan or lease

I HAVE REQUESTED THAT HYUNDAI MOTOR FINANCE TO PROVIDE ME WITH THE ORIGINAL APPLICATION THAT WAS SUBMITTED TO THEM FOR FINANCE FROM XXXX XXXX XXXX XXXX NEVADA, THE FORMER FINANCE MANAGER ADVISED ME THAT THE REASON XXXX XXXX IS NOT GIVING ME A COPY OF THE APPLICATION FOR FINANCE IS BECAUSE THEY FALSIFIED MY INCOME .I WAS ADVISED TO REACH OUT TO HYUNDAI MOTOR FINANCE FOR A COPY OF THE APPLICATION SUBMTTED SHOWING INCOME REPORTED BY THE DEALERSHIP. HYUNDAI HAS YET GAVE ME WHAT I ASKED FOR. I NEED TO SEE THE APPICATION SUBMITTED FROM THE DEALERSHIP WITH MY INCOME GIVEN. IF FAIL TO PROVIDE I WILL SEEK ASSISTANCE FROM THE ATTORNEY GENERAL OFFICE FOR ASSISTANCE. I AM ASKING FOR THE APPLICATION SUVMITTED FOR FINANCE AND NOT MY CONTRACT. I WANT THIS SUBMITTED TO ME ASAP ELSE I WILL INVOLVE A 3RD PARTY WHO WILL GET MY APPLICATION SUPONEA THIS DEALERSHIP FALSIFIED MY APPLICATION TO GET ME FUNDED FOR THEIR PERSONAL GAIN. I WANT HYUNDAI TO PROVIDE THE INFORMATION TO ME SINCE THE DEALERSHIP IS CLAIMING NO RECORDS AVAILABLE. AND AFTER IT S DETERMINED THEY FALSIFIED MY INCOME TO GET ME FINANCED FOR A XXXX CAR WITH A XXXX MONTHLY SSI INCOME I WAS TAKING ADVANTAGE OF AND JUSTICE WILL BE SERVED. I WANT HYUNDAI TO SUBMIT THE INFORMATION I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for mortgage forebearance from Bank of America due to covid. They are reporting as in default and late on my credit reporting in violation of regulations. 

Account XXXX
Product: Credit card

In XX/XX/2022, I sent Capital One several endorsed bills to accounts XXXX and XXXX. I sent XXXX more endorsed bills in XXXX and XXXX. Per the card agreement, Capital One does accept restrictive endorsements. Capital One took adverse action against me by closing every account down, and they never updated the account information even though they have received several endorsed bills paying the amount in full. The Bill Of Exchange Act gives me the right to endorse all bills. Capital One is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Product: Debt collection

Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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

This is my second complaint involving Lexis Nexis. The first complaint the company closed the account without responding. Lexis Nexis provided me a link for my personal information. My personal information has nothing to do with this case. The company refused to provide me with any information that they are forwarding to other agency. I don't have a contract with Lexis Nexis and I did not give them authorization to have my information or forward it to any agency.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report and the dispute was not resolved. I request that all negative information on my credit report be removed. I also request that my information be updated to reflect the correct information.
Product: Credit card

On XX/XX/year> someone try to open two credit cards from XXXX  XXXX XXXX  and The Home Depot credit card. I did not apply for these cards on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Payday loan, title loan, personal loan, or advance loan

i had a hard time so i borrowed a personal loan from this company ( MaxLend ). i borrowed {$970.00} in XX/XX/2024 and i agreed with the loan terms but later i realized the annual interest rate they are charging is against the federal and state law. They are charging me APR 703.76 % and i have been paying them every week ( Wednesday ) from XXXX to till now which comes to the amount of {$130.00}. the loan term will end in XXXX till then i have to pay them every week {$130.00}. This seems to be scam and fraud to me. i want a big amount of financial compensation from this company because i have faced mental burden to pay off every week them a huge amount of fees and interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Equifax XXXX   Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Product: Student loan

The lender advertised a loyalty discount during the process- but doesn't disclose this discount on any of the final disclosures. This makes it impossible to see if it has been factored into the loan. After speaking with the representative - I was told this is included when you choose your loan and doesn't show up in any of your paperwork- but it can be seen on their side. I applied for a loan thinking I was getting another .25 % interest rate reduction and was mislead.
Product: Credit reporting or other personal consumer reports

" Have Three Accounts That I disputed with Experian XX/XX/XXXX there was no verification letters mailed or anything showing how accumulated these Late Payments and Balances came about So therefore since no current history of Transactions with my Signature has not been Produce I request They Be Removed, instead of Updating '' : 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: Debt collection

Numerous calls at home and work from Diversified Consultants in reference to a Debt from XXXX. Numerous complaints against XXXX have already been submitted and closed. Debt is not owed.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/year> ). Contents of the complaint : This CFPB complaint has been filed to request that EXPERIAN, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a CAR LOANS AND HARD INQUIRIES. 

CAR LOANS : XXXX XXXX XXXXXXXX. ACCT # XXXX {$37000.00} OPEN-XXXX XXXX ACCT # XXXX OPEN-XXXX. {$37000.00} HARD INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in multiple bogus INQUIRIES and CAR LOANS on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and INQUIRIES, that were reported. I did not open, make, or start the aforementioned accounts, INQUIRIES on my consumer credit report, which you keep. All of the accounts, INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Transunion **** XXXX {$2900.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX {$64.00} Account Info Account Number XXXX Open/Closed Derogatory Date Opened XX/XX/XXXXXXXX XXXX Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus XXXX XXXX was. For example. XXXX XXXX Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - XXXX XXXX has violated Fair debt collection practices act. - XXXX XXXX has not given their method of verification as well.
Product: Debt collection

This is a medical debt from XX/XX/XXXX for {$290.00} according to National Recovery Agency XXXX XXXX XXXX in XXXX, PA. They falsely reported a {$290.00} debt to XXXX and XXXX in XX/XX/XXXX violating the Medical Debt Relief Act of XXXX and said they were going to ruin my credit score if I didnt pay them. This debt was already paid by health insurance back in XX/XX/XXXX. National Recovery Agency is trying to circumvent the law passed by Congress in regard to medical debt. This law was passed to protect consumers from this type of unscrupulous medical debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the 30 day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX ACCT : XXXX XXXX : {$130.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without XXXX XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting

I have been constantly going back and fourth with equifax. Equifax stated here on XXXX/XXXX/16 that they where not showing frontier communications on my credit file. I spoke to a rep today and he informed me that equifax is still on my credit file. He also informed me that it was never deleted and will not be deleted as the account is still under investigation. He told me that despite me submitting the email from frontier they do not accept that as proof. If frontier continues to say this is my account then it will continue to remain on my account although the rep told me he could not find me by name, social, or date of birth or address. Apparently equifax has lied in their response to the CFPB with you will find attached. This account is seriously damaging my credit and needs to be removed asap. The are playing games that are damaging my credit. This is very unacceptable.