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

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 signed up to open a new checking acct with the understanding that I would get a {$300.00} bonus after 180 days and upon having {$2500.00} in qualifying direct deposits within 60 days, which I did comply with. 
I read the print that said I would not be able to qualify for this promotion if I currently had an open acct of if I closed a previous acct within the past 90 days. Neither was true. 
I had an acct that I closed in XXXX of XXXX. I see now on their " promotional '' terms that you will not qualify if you've ever received a bonus before. However that verbiage was not in the fine print when I opened this acct last XXXX. They think because that is their rule now that I fall under that. I dont. That was not the rule in XXXX of XXXX when I opened this acct. Therefore I think I deserve this {$300.00}. I am sick of banks doing their bait and switch tactics. I called the TD bank about this and they are trying to tell me I am not eligible for it. I am eligible for it and I would like it. I have my paperwork from I signed up that shows I am eligible. Please let me know how to proceed..
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I went through a long arduous divorce. I applied for a re-modification with the bank. Part of the divorce agreement with my ex-wife was she would sign off the deed to the house, for an exchange of {$34000.00} transferred via QDROS from my 401K to her 401K account. The QDROS process began in XXXX XXXX XXXX XXXX XXXX I was told that the QDROS process may take up to 3 months but no longer than 5 months. I communicated this information with the bank. I was approved for the modification, but the paperwork arrived with my ex-wife name on the paperwork. I contacted the bank and explained the entire situation. They sent out new paperwork without her name on it. I reached back out to them explaining that I needed to wait for the QDROS to take place so she would sign off the deed to the house. I was under the assumption that the bank was working in good faith with me. They knew I accepted the terms of the re-modification. Within 30 days of the last communication with the bank, I received info in the mail with an auction date of XXXX I have been working diligently with the company & administration handling my the QDROS to try and get a date for the QDROS transfer. I'm finally getting information stating that the paperwork was submitted for preapproval and then will be sent to the court within a week or so for court approval. As of XXXX today ( XXXX ), people were outside of my home in an auction bidding for my home. The home went back to the bank today. I am working in good faith with the bank to resolve this matter and to retain my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled the report to apply for a mortgage and noticed that Experian was reporting an unverified /un-validated account from XXXX XXXX XXXX Account # XXXX. I sent 2 letters XX/XX/2021 and XX/XX/2021 and they have blatantly ignored my dispute which is a violation of the FCRA. Not only do I not know, what the debt they are referring to, nor what it is for, but I do know they have violated my rights as a consumer. Pursuant to the FDCPA, Specifically 15 USC 1692. Not only is this defamation of character, but in its self harassment. I am now demanding that you step and demand Experian to finalize this investigation by removing this solicitation from the report. I never as the original creditor permitted anything to be transmitted, reported on my behalf failure for this to be removed I will seek legal damages as pursuant to my rights.
Product: Student loan

On XX/XX/2024, I received my Student Loan Repayment Plan Award of {$10000.00} to be applied on my loan balance from my organizationXX/XX/XXXX XXXX XX/XX/XXXXAt the time, XXXX was my loan servicer and they received the check sometime on XXXX 2024 timeframe and the check was cashed in based on my organization looking into the check number but it was not applied on my loan balance. I learned about this information when I reached out to my organization on XX/XX/2024 of my check 's status and it showed that XXXX cashed it on around XXXX timeframe but the check amount was not applied or reflected in my loan balance which did not add up. 

On XX/XX/2024, I called Edfinancial services and asked if my SLRP award check was applied and they told me they have not received the check from XXXX and asked me to call XXXX for them to provide the check to process. I called XXXX and they said they will look into it and send the check over to Edfinancial services and told me to check with Edfinancial services ~8-10 business days as they said they were busy. In between these calls with the loan servicer I was waiting on hold for about over 2 hours. 

On XXXX 2024, I have followed up with both of these loan servicers to see where my check went. Each calls was a bit over 2 hours wait. Edfinancial services said they have not received a check from XXXX. XXXX says that they have sent all the files to Edfinancial and they do not have any more information to provide to Edfinancial. Edfinancial then told me to check with my organization to see if they can provide a copy of the check and address of where the check came from. I asked my organization for this information and that's when they told me that the check was already cashed in and I told them that my loan balance was not updated. My organization then instructed me to check with XXXX services about this and also check with the Department of Education. I call XXXX services and waited for 2 hours to speak to an agent. Once I spoke to the agent and told her that XXXX cashed my check but it did not reflect on my loan balance the agent then forwards my call to another department to get the information and I was put on a four hour hold but my call was stuck in the automated waiting response and I never heard back from XXXX again. I tried to call the Department of Education but the automated call does not allow me to speak to an agent, once I select all the options to try to speak to an agent it leads to dead end line which would end the call.
Product: Checking or savings account

Some suspicious verification text messages with my mobile number by XXXX, did not click links. Followed by Bank of American contacting me about a suspicious account and cash advance and attempted XXXX transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

The MASSIVE Equifax hack ( XX/XX/2017 ) exposed personal info for the umpteenth time to Hackers. Yet the CFPB & it's incompetent, do NOTHING head XXXX XXXX gave the company a pass and has done NOTHING, a la Trump, to PUNISH the executives @ Equifax who PROFITED from this massive invasion of consumers privacy. The total lack of action by the CFPB, XXXX and the Trump administration is CRIMINAL, to say the least. The government is NOT protecting our credit & financial information. This is total XXXX!!! We pay taxes to government agencies and they do little to NOTHING to help & protect the citizens. Absolutely NOTHING. I'll hire a consumer rights attorney specializing in Credit to help me.
Product: Credit reporting, credit repair services, 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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX  Account # - XXXX has violated my rights ( 6 ) XXXXXXXX XXXX  XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXX XXXX XXXXXXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX  Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX  XXXX Account # - 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 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items 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

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. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Vehicle loan or lease

When I leased my vehicle I was told it would be good to buy a service plan as in the long run you don't have to worry about paying for it later and it is more cost effective. I paid for the all inclusive plan and it would be included in my payments. I later found out that my first ever service is free which is standard for an XXXX ... so why would I pre pay for two more services which in a long run would cost me more money. 
I called XXXX XXXX in CA and they assured me a pro rated refund ... I have yet to see the money applied to my principal balance. Last week I called XXXX XXXX XXXX and they promised to resolve the issue and they have not ... XXXX XXXX account # is XXXX ... 


The day I bought my car I was told as my credit score may have not been up to par my rate was higher ; and when I asked what does it need to be I got a vague answer ... When you comeback in a few years to lease another car and your score is better you will have a better and lower payment. I feel I was steered.. I need help in getting XXXX to comply please.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries 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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed-
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX in XXXX, TX. I arranged financing through Chrysler Capital in XXXX XXXX, TX. Included in the loan I financed an Extended Warranty Service contract at a cost of {$2000.00} for a period of 2 years. 

On XX/XX/XXXX I refinanced the loan through my credit union for a better loan rate. 
On XX/XX/XXXX I received a letter from Chrysler Capital verifying they had received the funds to pay my account in full. They also advised me that I was entitled to a refund of unused premiums for the Service contract and that I should contact the seller ( Dealer ) about recovering unearned premiums. 
I went to the car dealer, XXXX XXXX on XXXX XXXX, XXXX and requested my refund and they refused to pay me. They claimed Chrysler Capital had my refund. When I called Chrysler they claimed somebody else had my money but the CSR I spoke to said he could not identify who that was. I am a senior citizen on a fixed income and I need my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.
Product: Debt collection

Told them they have the wrong number but still call multiple times per day
Product: Credit reporting or other personal consumer reports

Equifax states that I have no credit, no open accounts and that non have been reported. I verified my address, DOB and Social Security number numerous times with their customer care. Four of my banking institutions have also called them over the past year with no report provided and bank can not pull. I have no freeze on my account and there is NO information on my Equifax account. I've contacted over 20 times and it continues to effect my ability to refinance, purchase and effects negatively on my credit scores. Please help...
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt was forgiven by the bank. 

The account in question was a reward checking account at XXXX, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX XXXX located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that XXXX had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX XXXX National Enterprise Systems , INC . 
XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am sending a debt dispute to this agency as well.
Product: Debt collection

This was a debt that is almost 10 years old. But National Credit Adjusters are reporting that I owe them with no contract or verified debt. I have a letter from the last agency to have this debt which is being passed around and sold to now this company.
Product: Debt collection

On Saturday XXXX XXXX, I received a notification from XXXX that a new collection account had been reported ( listed as XXXX XXXX XXXX ) .. Immediately I checked and it was being reported by Stallings Financial. I called them on XXXX XXXX, only to find out they were closed that day. On Monday XXXX XXXX I called XXXX XXXX XXXX department inquiring on this account to find out what it was. They stated that it was a final bill from 2013 that was never paid. I asked them why they had not sent a bill, as I NEVER received anything from them ( I left my forwarding address with the post office. ) I paid this immediately on Monday, XX/XX/XXXX.They informed me that Stallings Financial would be the person to contact regarding this. I contacted Stallings Financial on XXXX XXXX asking why they had not contacted me regarding this. XXXX, with Stallings Financial, informed me that they had sent a few notices, which were returned as undeliverable to them. Had I known ANYTHING about this I would have taken care of it. Not XXXX time did I receive any correspondence from the XXXX or Stallings Financial regarding this.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a Father of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on the road nearly 3 times. One time a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a XXXX discount on my next vehicle to help offset all these issues. A XXXX discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... ALLY decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called Ally, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month Ally sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

Two weeks ago Ally took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. Ally contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing Ally ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.