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

They talked me into buying a lease I tried to turn in at just about the same amount it was leased after the lease ran out ... even when I told the dealership I couldn't afford it this was after they did the paperwork ... then it went on my credit report which made my next payment high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so.

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}
Product: Credit reporting or other personal consumer reports

I've been trying to purchase a house over the pass year so I have been monitoring my credit report. I disputed a lot of accounts off my report due to inaccurate reporting. Unfortunately I have a few accounts still reporting because the creditor is stating they verified the account which I don't understand because the account is not mine. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The account XXXX has been paid. it should no longer appear as active.
Product: Checking or savings account

I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report. 
Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals XXXX XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter.
Product: Debt collection

I am writing to request your help. I tried to solve this matter with Pentagon Federal CR UN in the past. Back on XX/XX/2019, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested and they have not even remarked the account as disputed. These are two serious violations to the FCRA. 

This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. Account is the following : PENTAGON FEDERAL CR UN XXXX. Date Opened XXXX XXXX Credit Limit {$500.00}. 

I am demanding a deletion letter from Pentagon Federal CR UN. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding Fraud. Despite having sufficient evidence when transactions were not authorized, my credit report has been affected by this issue. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where XXXX and other fraudulent transactions were reported to the credit bureaus. I believe these practices are unfair and request an investigation and to have these removed from my credit report per the FCRA GUIDELINES.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a thorough investigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The dispute in question is a collections amount of {$670.00}. This has been disputed on XX/XX/XXXX and again XX/XX/XXXX. Equifax denied my dispute without providing any evidence of a proper investigation, which in return, are in violation of the Fair Credit Reporting Act. 

Account Marked inaccurate - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third tie now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an account with Bank of America on XX/XX/XXXX of 2020, me and my husband got our back dated unemployment checks from Oregon, they came in many separate checks. My husband deposited all of his checks on the XXXX in the amount of XXXX when we opened the account and I deposited all of my checks in the amount of XXXX on the XXXX. Right after I deposited my checks the bank put a hold on our account, which made the account look like it was overdrawn, it said I had XXXX in my account. I Of course called them the next day freaking out because it looked like I was overdrawn but they assured me it was an account hold. I got transferred to too many different departments to remember with no help and no one could tell me anything about this hold. I waited 48 hours then called back, after transfer after transfer I got one lady who  told me she would take the hold off of my account and she did, that was XX/XX/XXXX. I was told my account was open and that I was free to use it and then the following Monday, XX/XX/XXXX I made several transactions on the account and promptly after that my account was put on hold again. I called the next day and I got the run around again. I was told that my account was put on hold again for the original reason of the many deposits made when opening the account and that I would have to wait 48 hours. I called them again on the XXXX to get them to take the hold off. I was told that it takes 10 days now for the hold to come off and that I have to wait until the XXXX. Im am tired of disputing this problem with Bank of America, I feel as though no one can help me and that this is some kind of bank fraud, Ive had the account for two weeks and can not touch my money. Not to mention that my account has been on hold twice for the same reason and I was assured on Friday the XXXX that my account was off hold and I could use it, just for Monday the XXXX to come around and it is back on hold as soon as I try to make any transactions. I want to make a complaint against this bank for wasting all my time just to give me vague answers and not help me with my problem While holding my money from me. Im hoping to get some kind of help or action and to have this bank held responsible for all the misinformation given to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition Transunion, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since Transunion, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.
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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

EXPERIAN IS REPORTING ACCOUNT XXXX  THAT IS IDENTITY THEFT. PROVIDED POLICE REPORT AND ALSO REPORTING ACCOUNTS THAT WERE RESULT OF XXXX XXXX  PREVIOUSLY ASKED TO BLOCK
Product: Prepaid card

tried to close bluebird account. says XXXX for service. no one was able to assist after calling multiple times. was unable to close account or speak to anyone able to help. requested supervisor over 10 times and was ignored over and over.
Product: Mortgage

I dispute the closing of complaint # XXXX. 

This was not closed by me and the complaint is still accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX {$590.00} was withdrawn from my checking account with out my permission. Wells Fargo never notified me of any transactions that may have stemmed from my foster child 's account being compromised in XX/XX/XXXX due to counterfeit checks being deposited and then withdrawn from his account without knowledge. First, I was told that opening a guardian account would pose no risk to my account and then they allowed counterfeit checks to be deposited and withdrawn before clearing to include allowing this to occur again and again even after the account was placed on hold following me alerting them to this.
Product: Mortgage

My existing mortgage company continued to deduct an automatic draft payment from my bank account 3 days after they were paid in full, by my new mortgage company. I called and asked for a reimbursement for the automatic payment draft deducted from bank account, but said it would be 2 to 4 weeks before they could mail back check.
Product: Credit reporting or other personal consumer reports

What happened I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : : XXXX & XXXX Account Number : XXXX Date Opened : XXXX : $ XXXX XXXX XXXX Account Number : XXXX Opened : XXXX : $ XXXX XXXX  XXXX  Account Number : XXXX Opened : XXXXBalance : $ XXXX XXXX XXXX Account Number : XXXX Opened : XXXX : $ XXXX XXXX  Account Number : XXXX Opened : XXXX : $ XXXXXXXX XXXX XXXXXXXX Account Number : XXXXDate Opened : XX/XX/year> Balance : $ XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XXXXBalance : $ XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XXXXBalance : $ XXXX XXXX XXXX Account XXXX : XXXX Opened : XXXX Credit : {$7100.00} XXXX  XXXX  Account Number : XXXX Opened : XXXX : {$23000.00} In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request. Thank you for your prompt attention to this urgent matter
Product: Credit reporting or other personal consumer reports

Equifax responded to complaint XXXX stating that the collection company XXXX XXXX verified the account XXXX on my credit report, but this is false, and the balance reporting is inaccurate. XXXX and XXXX have removed this account. Equifax is violating the FCRA, and I am liable to sue. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. Lastly, there was never a notice of dispute entered on my credit report for the aforementioned account ( account attached ).
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Experian Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX  Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified. 

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of this hard inquiries, this is a result of identity thief, this inquiry from Continental FinanceXXXX , must be removed no later than XXXX business days as per 15 U.S. CODE 1681C-2.
Product: Money transfer, virtual currency, or money service

XX/XX/21 2 Money Orders - XXXX purchased at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/21 Refused to cash the very same money orders - XXXX that were purchased with cash there 3 days earlier citing CERTEGY DECLINED but that CERTEGY did not make the decision for declination! 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Furthermore, THERE IS ABSOLUTELY ZERO HELP to be found when calling the number on the " disbursement receipt '' with the declined transaction ZERO! No possibility of talking to a human that I can find in any way. I have searched the internet and called every possible number found with ZERO help. 3 of the numbers I found are for the 3 credit reporting companies! I HAVE EXCELLENT CREDIT and feel they have jeopardized my safety! 
This is rent money owed to me that is a one time thing to get it through money order. 

XXXX has the CASH paid for the money orders, {$1300.00}, but will not give it to the PAYEE, ( ME ) even with proper identification. This is absolutely insane especially considering these were purchased RIGHT AT THE SAME DESK that DECLINED TO CASH THEM! 

I AM ALSO VERY UNCOMFORTABLE that they REQUIRED ME TO ENTER MY SSN in the automated machine for this! 
WHY do they need my SSN? I knew better than to put that in but she said they wouldn't cash it if I didn't so I put in my SSN. 
Now I am very concerned of what this SCAM and FRAUD company will do with my information. I completely expect to see some bad hacking or something else negative on my credit report shortly because of this INSECURE CERTEGY COMPANY and PROCESS! 
I FEEL VULNERABLE AND VIOLATED and that my excellent credit are at a huge risk now because of CERTEGY AND XXXX because of trying to cash a MONEY ORDER at XXXX in XXXX, Texas! HORRIBLE and INSECURE FEELING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I received a letter from Glasser and Glasser law firm stating they are retained by XXXX to collect a debt of {$7600.00} on an account that I have never owned at any time ending in XXXX. They said it is XXXX and XXXX Customer Service has no record of that in my name or of hiring this law firm. I believe it is either a scam or a fraud of identity theft. Please help me get rid of this.I have a Federal Trade Commission Report Reference # XXXX on XX/XX/2017.
Product: Debt collection

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. 
THE COLLECTION- ( FAIR COLLECTION & OUT ) XXXX DELETE FROM ALL XXXX XXXX, XXXX AND XXXX