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

I received no information from company nor would they assist or agreed to assist with the identification of the sales agent or proof it was me that co signed. When I had to have a co sign for my own account. I only learned about this account XXXX moths ago and thats the reason I was never notified or contacted and it is why the account being open closed for years but I only was notified a few months ago that I had late payments of a closed account in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have repeatedly provided both XXXX and Equifax with proof that this account, XXXX XXXX has been paid in full and now has a XXXX balance yet they have refused to update my consumer credit report which has damaged my credit score.
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 : DEPTEDXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

I financed a vehicle through Westlake Financial. I later turned the vehicle in after having it a couple years. The new car company paid the remaining balance off. I discovered that Westlake Financial was stating I had a unpaid balance of {$40.00} which was on my credit report. I contacted the current car company they issued me a check for the {$40.00} I then got a money order and sent it to Westlake Financial. This has being an on going issue back and forth with them and a third party company for years now. I also paid {$40.00} again to the third party. It's still on my credit report when it is passed the time that it should had fell off. This time period is around 2012.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

on XX/XX/XXXX i saw a XXXX  transferfor {$5000.00} from my Chase account that did not made by me i call the bank the same day to report a fraud .on XX/XX/XXXX they return the money but on XX/XX/XXXX they took it back.all this time i tried to recived my money back but Chase say no because its made by me.i am a victim and looking for help. Thanks
Product: Vehicle loan or lease

i already filed a complaint and this company is refusing to refund me my Money for the cancellation of the XXXX insurance. ive been told several different stories.i keep getting told they are waiting for payment from the XXXX. I spoke to the XXXX company and the finance company cancelled my XXXX. all while telling me the XXXX  accepted the claim. XXXX XXXX told me that it was closed on therwe end and that there is nothing else they do, they told me the refund comes from Road Auto Finance. there is no Payment coming from the XXXX so why and i been constantly lied to and not my refund issue. its been 4 weeks since the XXXX has been cancelled.
Product: Debt collection

Do not understand what I owe {$60.00} to this company in XXXX Michigan ARBR Pro Sol report XX/XX/2016. This amount is not owe by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX v. Gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX acct XXXX XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX.
Product: Mortgage

I had received a letter from one of their litigation specialist : ( attached is his email of XX/XX/2021 ) confirming my next payment is on XX/XX/2021 with a reduced payment of {$370.00} I tried to get hold of him but was not able to. I just made an assumption that it is good for at least a minimum of XXXX months. By XX/XX/2021, I got some help to get back to paying my normal monthly due of {$390.00}. 

XXXX XXXX Loss Mitigation Specialist 1 Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX O : XXXX Ext. XXXX The bank held my payment in suspense because it was short of little over {$20.00}. No principal payment was made and the bill statement shows it was applied to interest payments only. That means if I was not wrong, my interest went through the roof. To this date I have got a chance to review if my loan balance is accurate. 

I have not missed any single monthly due. ( XXXX XXXXXXXX XXXX Bill faxed to the collection departments the documents showing with date paid them and the amount ). Now, because the Principal portion payment of {$370.00} was unapplied against the principal, the bank claims I am behind and started charging me {$19.00} each month since then going on for 4 years now. The Collection Dept never miss calling to collect too.

I have written the bank lot of times to iron out the confusion and requested for reversal of the late fees. But they responded no, because their fees are valid.

Now, I have a notice of breach of Contract. Not sure if my loan is being called out or I am in the process of foreclosure.

In total there is only short payment of little {$60.00}. Why can't the bank just add it back to the balance of the loan but instead keep charging {$1900.00} and wanted me to pay extra month that I am supposedly behind?
Product: Money transfer, virtual currency, or money service

Since XXXX, I have had my check payments " declined '' by three- ( XXXX ) different merchants that use Telecheck XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all telling me to contact " Telecheck XXXX for an explanation. Coincidently, there was XXXX XXXX the $ amount in my checking account at the time that each check was " declined ''. 

I have tried more than eleven- ( XXXX ) times, since XXXX, to contact " Telecheck XXXX by both phone and online : XXXX. When I call the given number, XXXX, I enter a merry-go-round of questions which eventually either asks for information already given or advises me to inquire online - never able to talk to a person. 
XXXX. When I attempt an inquiry online, it asks for my SSN, bank account number, and bank routing number without advising me that it is a secure site. Without all this information, the inquiry can not be submitted. 

Also, in good faith, I have attempted to contact " Telecheck '' at their XXXX, GA, and XXXX, TX, addresses by XXXX " certified mail '' - sent XXXX. 

I can only speculate that it is related to an echeck incident at XXXX XXXX XXXX on XX/XX/27 which has already been resolved and all NSF fees refunded ; but, I don't know that. 

Coincidently, XXXX XXXX processed a check on XXXX for a large amount without incident. 

I am " old school '' and pay my bills by check. I don't want to be embarrased anymore when I hand or send a check for payment and it is " declined ''.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted complaint # XXXX. It was immediately closed and I was sent a letter stating someone else submitted the complaint without verifying themselves and it will be closed. I am submitting this complaint. I wasn't even contacted before you closed my complaint why is that? But the reason my complaint was closed on your site says that I previously had the same complaint already. How is that? Where is the other complaint number for the same complaint? I am resubmitting my own complaint. I am a victim of Identity Theft. Due to the data breach at Equifax, I have several accounts and inquiries that I did not authorize on my credit file. I made several attempts to contact them and could not get anyone on the phone. I attached my fully completed Identity theft report # XXXX. I made several attempts to resolve this isssue. Please process my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXXXXXX XXXX 

Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : [ Correct Phone Number ending in XXXX ] Social Security Number : [ Correct SSN ending in # XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. 

This ongoing issue has significantly hindered my ability to pursue XXXX XXXX, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. 

I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Debt collection

I saw this company listed on my credit report so I tried to contact them. There phone number XXXX does not give you an option to speak with anyone - just an option to leave a message and someone will return your call and they never do. The XXXX listed on their website goes to a fax machine and you are not able to speak with anyone. They have this account for {$440.00} listed on my XXXX report since about XX/XX/XXXX. I finally received communication from the original creditor and took care of the bill. I recently moved from XXXX XXXX to XXXX so it took them a while to track down my new address. I paid the bill with the original creditor ( XXXX XXXX XXXX ).  I opened a dispute with XXXX on XXXX XXXX XXXX and attached the receipt where I had made the payment with the original creditor. The dispute came back the same day with no new results. How can a dispute even possible come back the same day? What research was even done? I pulled my other reports and noticed that they also applied that same information to XXXX with just listed last month with no company information, No company name, no phone number. Nothing. So had I not already known the information from XXXX - me as a consumer would not have had any idea of where the information was coming from or who to contact.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited
Product: Credit card

Discover card was lost or misplaced in XXXX or kept by vendor, and charges started appearing, which I could not yet dispute as they were pending and hadn't yet posted, and got a replacement card. There was a small chance that a second card I had authorized for my elderly aunt ( deceased ) had been kept by her granddaughter or care provider, so I checked to make sure none of them were using the card, then got back to Discover, and was told my aunt 's card had been canceled, and the fraudulent charges were definitely with my lost/stolen card. As far as I can tell, because of this delay, and because I couldn't tell exactly whether a couple local charges were fraudulent because small bodega grocery stores I patronize sometimes don't report their charges immediately, Discover doesn't seem to believe my report. But I did not make around {$800.00} in charges, both at my local XXXX XXXX, a XXXX XXXX in another town I've never ( to my knowledge ) frequented, or a grocery store in another town I've never ( to my knowledge ) been to -- with two $ XXXX charges. I have spent multiple days over several months trying to get Discover to remove the fraudulent charges, and have given up on working with them. Their advertisement -- " The Discover {$0.00} Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your Discover Card account. '' -- turns out not to be true. Discover provided " proof '' from XXXX ( XXXX ) and XXXX XXXX that my stolen card was used, but no proof that I ws the one that used it. Attached are police reports and XXXX of the back and forth nonsense correspondence. Thank you.
Product: Checking or savings account

There was a fraudulent transaction on my lost card. Filed report to WF. They denied to claim. Per their lead investigator, investigation has been conducted that includes my initial report and investigation of account whatever it means. I asked for clarification, he said that I was having a card in my possession where I clearly stated during the reporting that my card was lost.
Product: Credit card or prepaid card

My name is XXXX XXXX My address : XXXX XXXX XXXX XXXX, XXXX  XXXX Amount : {$600.00}. 
DISPUTE CASE ID - XXXX XXXX Dear SIR or MADAM on Consumer Financial Protection Bureau! 
IN XXXX, everybody had XXXX ( Economy impact payment as rapidly as possible ) but i did not receive the card... 
On XXXX, XXXX i find out i quality to have the card but why didn't have the card. 
Check on old email, i find out the stament ... someone steal and use the card ... because all transaction unrecognized.. i call for customer service... than ... find out ... they SEND WRONG ADDRESS!! 
The address they delivered was XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX. My address without XXXX XXXX. 
This situation is not my fault. Because WRONG address < i dispute all transaction in this account because NOT ME! I DID fill out the dispute form and explained they send WRONG address ... they are DENIED my case.. with reason " i did not provide enough information to support the case.
Product: Payday loan, title loan, or personal loan

Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on  XX/XX/2016   .     I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.     There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days :  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  =  XXXX  I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much.     If possible I would like a refund of overpaym ent ( {$480.00} ) but  would gladly take just a clean break/account considered paid at this point if a refund can not be granted.      Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well.     If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it.     Thank you for your time.       Big Picture Loans ( or known as Red Rock Tribal Lending,  LLC d/b/a CastlePayday.com ) co ntact info is :  XXXX .  XXXX   XXXX ,  XXXX , MI  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that Transunion showed a hard credit inquiry from the same day for " XXXX XXXX XXXX ''. After trying to find out who that was and determine that it is XXXX XXXX equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business XXXX, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with Transunion and they won't do anything because they say that XXXX XXXX XXXX shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Product: Mortgage

I have a 30 year fixed mortgage backed by XXXX XXXX with XXXX, Loan Number XXXX. I always pay on time, before the XXXX of each month. Recently, I have been charged a " convenience fee '' if payment is made between the XXXX and the XXXX of the month the payment is due, despite its timely payment for the month. 

I believe that this is an illegal fee. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXX inquired on XX/XX/XXXX Transunion & XXXX 2 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX XXXX 4 XXXX XXXX XXXX inquired on XX/XX/XXXX Transunion XXXX XXXX 5 XXXX XXXX XXXX inquired on XXXX Transunion 6 XXXX inquired on XXXX Transunion