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

Equifax Hack " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ^Same as pretty much everyone who 's complaining today, I imagine. 

Did not enroll in their XXXX XXXX. Pardon me if I do n't trust Equifax to do a competent job of protecting my information.
Product: Vehicle loan or lease

Recently, I, XXXX XXXX, was denied an extension of credit by Carvana. On XX/XX/2022, I requested an extension of credit. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and 15 U.S Code 1691 ( E ). Carvana has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002.2 4. 15 U.S Code 1691 ( C ) 5. 15 U.S Code 1691 ( E ) Civil Liability Pursuant 1. 15 U.S. Code 1681n 2. 15 U.S. Code 1681o
Product: Credit reporting or other personal consumer reports

I want these hard inquiries removed because i did not authorize these companies to run my credit.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts 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, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Product: Debt collection

I rented a car from XXXX XXXX in XXXX on XX/XX/XXXX to XX/XX/2018. The cost quoted for the rental ( Confirmation # XXXX XXXX was {$180.00}. In the evening of XX/XX/XXXX, the engine of the car began to have issues and broke down. I called XXXX and on the phone they said they would cover the cost for the tow of the vehicle and for my Taxi to XXXX ( but instructed me to pay only for the taxi and submit for reimbursement ) and that they would provide a new car in XXXX. I did all of this. Upon returning back to the USA I noticed a charge in the amount of {$850.00} of which there was a XXXX Euro " Customer Road Assistance Charge '' which I not only did not authorize but also was explicitly told would be covered by XXXX. I also have comprehensive rental car insurance through my XXXX credit card but did not submit to XXXX for this cost as XXXX said they would cover the costs. In XX/XX/XXXX, I contacted XXXX XXXX by phone and by email to ask that this over charge be removed ( XXXX Customer Care Case # XXXX ). I was told " branch management '' would review but I never heard back despite emailing again to follow-up. So I then disputed the transaction with my credit card. I submitted my documentation to XXXX for the disputed amount of {$660.00} ( the difference between my reservation quote and the disputed charge ). XXXX XXXX submitted their documentation and in XX/XX/XXXX XXXX sided with my claim that the charge was fraudulent and reversed the extra {$660.00} charge and closed the dispute ( I have the communication from XXXX if needed ). In XX/XX/XXXX, I was sent a communication from XXXX, XXXX, and XXXX XXXX XXXX ( XXXX, OH ) that " XXXX/XXXX XXXX XXXX '' has requested that they collect from me an amount of {$590.00}. In early XX/XX/XXXX, I filled out the online XXXX Account Dispute for XXXX, XXXX, and XXXX that this charge is not valid. by XX/XX/XXXX, I had not heard a response so that day I sent a certified, signature required letter that the debt be validated and that the overcharge be disputed ( XXXX File # XXXX for client # XXXX ).
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Radius Global Solutions. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Payday loan, title loan, or personal loan

My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> XXXX and TransUnion haven't updated my report. I have a balanced or {$920.00} on both reports. I have paid my balance and had inquiries deleted that should still be on my report.
Product: Credit reporting or other personal consumer reports

I need to report that I was a victim of fraudulent activity. In my research, I learned that to remove fraudulent items from my credit report, I must file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, credit reporting agencies must remove items listed in such a report, reference number XXXX. Attached are the necessary documents to aid in removing the erroneous personal information and inquiries from my report. The items listed below were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items identified as resulting from identity theft within XXXX business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both Equifax   and XXXX will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the Equifax data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sold my house and mortgage was paid in full and satisfied. my credit report shows account was closed and a balance is still due in XXXX. I want my credit reports to show mortgage has been satisfied and paid in full, not closed. I tried to contact the company but they say I don't have an account with them I tried to contact Experian, XXXX and XXXX and they said i need to speak to the lender, who will not help me. Attached you will find the letter of satisfaction and the date in which they received payment.
Product: Credit card

BMO acquired Bank of the West. I have a credit card in Bank of the West.

They terminated the support for Bank of The west app and forced me to apply for BMO account. It was possible only via web interface.

They did not notify me in any way that Bank of the west app would be unsupported. 

When I logined using XXXX XXXX XXXX XXXX I noticed that they failed to collect payer account information and I needed to add it again manually. 

This acquisition is the failure. I assume many people call them and the call center is overloaded but they af course charge late fees and interest. 

BMO is the scam. I already filed a complaint about them how they deceive when you open CD and they charge you the balance above the potential interest if you terminate earlier. They also don't hesitate to manipulate with credit cards.
Product: Checking or savings account

XX/XX/XXXX 3 times of {$34.00} overdraft Fee by Chase bank XX/XX/XXXX 4 times of {$34.00} overdraft fees by Chase bank Contacted the Bank many times and they refuse to waive these fees
Product: Credit reporting or other personal consumer reports

recently checked my credit report and saw that on XX/XX/2021 and XX/XX/2021 had 2 30 day late payments. creditors are supposed to report correct information and these payments were not late. I am requesting a investigation and that they be reported paid on time immediately. Thank you.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against XXXX XXXX World Omni Finance regarding the purchase of my XXXX XXXX XXXX XXXX on XX/XX/XXXX. During this transaction, I traded in my XXXX XXXX XXXX, which still had a remaining balance. My credit scores were XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I received a screenshot of these scores from my salesperson, XXXX XXXX. 
Despite my creditworthiness, I was financed through a subprime lender at an Annual Percentage Rate ( APR ) of 9.14 %, which is inappropriate considering my credit score. I believe that I was misled into accepting this unfavorable financing, and I suspect that fraudulent misrepresentation occurred in violation of the Truth in Lending Act ( 15 U.S.C. 1638 ( a ) ).

The contract fails to properly separate the finance charge from the amount financed, which is a clear
violation of federal law. This failure to disclose critical information has resulted in financial harm to me, as I am now burdened with an excessively high APR that does not align with my creditworthiness. 
I demand that XXXX XXXX rescind the contract due to these violations and fraudulent practices. I expect an immediate response to this complaint, including steps to remedy this situation, such as re-evaluating my financing options and correcting the terms of the loan.
Product: Debt collection

In XXXX and XX/XX/2016 I attempted to cancel my gym membership with XXXX XXXX I sent email communication and certified letter to the gym. Due to personal reasons I took a unpaid leave from work and moved to XXXX I provided the lease to XXXX XXXX and no further communication was received from them so therefore my thought was that it was canceled. I have never received statements via mail or collection letters. I travel for work so a process server showed at a previous address where my friends reside and I stay on occasion when Im in town versus going to the address that I previously resided that is listed on my driver license 1.5 hours away from work. I contacted the process sever because I was out of town at the time explained that I was in corporate housing but still worked for the same company. Needless to say this guy made a scene at my place of employment. I contacted the lawyer to let him know that sent signed lease I was told to fax the information and was given the wrong information. XXXX XXXX I clearly in violation of there agreement to arbitration and they have violated my rights to dispute the alleged account. They have scheduled to go to court for an account that they have never sent out any notice via mail to any address that I resided at in XXXX XXXX or XXXX XXXX. The contract says that if you move over 20 miles from you membership location you can cancel you contract. I did that. The attorney Office stated that you can cancel via email well I have a friend that canceled and she lived right around the corner from the gym and she canceled via email because she lost her job. XXXX XXXX never stated that they received my certified letter they asked for my new address and stated that they would verifiy whats to verifiy If I have a signed lease for an apartment over 300 miles away
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ). i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
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. 

FRAUDULENT ACCOUNTS : Account Name : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX XXXX XXXX XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX XXXX XXXX XXXX, at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Mortgage

Foreclosure began on my home in XXXX XXXX. As a result of the work related injury, I ultimately lost my job. The foreclosure on my previous home is due to lack of income stemming from this injury and divorce. I no longer live at this address and I have been employed at the same job for over 3 years now. I received XXXX foreclosure settlement checks dated XXXX/XXXX/XXXX. However, as of XXXX XXXX, almost 5 years later, the lender continues to report my loan 180 days past due with full balance owed. This is a detriment to my credit and I am having difficulty obtaining any type of financing on my own.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> RE : Failure to Respond to Identity Theft Request & Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This correspondence serves as a formal demand for immediate action regarding my previously submitted identity theft report. I submitted a written request notifying you of fraudulent accounts appearing on my credit report and provided supporting documentation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. Despite my valid request, you have failed to fulfill your legal obligation to block the fraudulent accounts within the required XXXX ( XXXX ) business days. This noncompliance is a direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer provides proper identification and an identity theft report, the consumer reporting agency must block the reporting of any fraudulent information related to identity theft within XXXX business days. Your failure to adhere to this provision constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which provide for monetary damages, attorney fees, and other legal remedies. 

I demand the immediate and unconditional removal of the following fraudulent accounts listed on my ftc report : reference number : XXXX Additionally, I request written confirmation that these accounts have been blocked as required by law. Failure to comply within XXXX ( XXXX ) calendar days from the date of this letter will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action in a court of competent jurisdiction. 

This letter serves as formal notice of your statutory obligations, and any further delay in addressing this matter will be viewed as intentional noncompliance. I strongly advise your legal team to review this situation promptly to mitigate further liability.