23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I currently have a past due auto loan with Consumer Portfolio Services ; I am currently behind on payments due to the decrease in work hours which puts me in the position to make the auto loan payments unaffordable.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX FIN XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported an account as delinquent for the period in which the account was enrolled in and authorized XXXX forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXX of XXXX.
Product: Credit card or prepaid card

Macy 's does not mail me Monthly statements and i have requested this for the past 5 months. I have not requested paperless nor Email for no statement.
Product: Credit reporting or other personal consumer reports

I disputed with Equifax on XX/XX/23. Equifax received my dispute on XX/XX/23 as it shows according to the certified mail. On XX/XX/23 I received a mail from Equifax requesting for my ids. I sent copies of my ids back on XX/XX/23 and Equifax received them on XX/XX/23 according to the certified mail. I sent a follow up letter on XX/XX/23 including the same dispute along with copies of certified receipts for the dispute and ids was received by the company because I feared my personal information must been lost or misplaced by Equifax since I havent heard back from the company. The company received follow letter on XX/XX/23. It is now XX/XX/23 and Ive yet to hear back from Equifax. According to the FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit card or prepaid card

Wells Fargo accepted a delivery receipt with my signature on it that was fraudulent ... .my signature is on file at the bank and they know it was not my signature. This is the 4th complaint and they have yet to address the issue why fraud is acceptable at Wells Fargo. As I have stated before, this will not stop until the question is answered. FRAUD AT A BANK IS NOT O.K. Complaints will keep racking up against Wells Fargo until they deal with this situation.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name : XXXX XXXX XXXX type : TD Bank Credit Card ( visa ) Account number ending in : XXXX Social security : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX Dear CFPB, I am a customer of TD bank. On XX/XX/XXXX, I was charged {$180.00} for a XXXX XXXX XXXX XXXX transaction I never authorized. 

Ive called TD Bankss fraud department more than 10 times but no one ever answers my call. During every call, Ive been placed on hold and have waited multiple hours, altogether, without a response. 

Thank you, XXXX XXXX Ive never had an experience like this with any bank Ive done business with. 

Id really appreciate it if someone can help me sort this out. 

Thank you so much for taking the time to read my complaint. 

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

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities NCAXXXX NATIONAL CREDIT ADJUSTERS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

In 2018 I received an invoice from Jefferson Capital for {$1100.00}. This invoice has no explanation or statement. I tried for 3 years to get what this bill was in reference. Jefferson finally sent the original invoice. It's for XXXX. 
My name is misspelled on the invoice and its from an address I do not live. I am currently a XXXX customer in good standing under my real name and correct address.
Product: Checking or savings account

Bank of American changed my checking account from basic to " XXXX XXXX '' and when I do not meet their fund requirement they started to charge me " maintenance fee ''. I do not remember I authorized the account type change and asked for proof. They could not provide the proof but do not refund me the maintenance fee.
Product: Credit reporting or other personal consumer reports

Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, Equifax, XXXX and XXXX regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXX XXXXXXXX XXXX allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX, XXXX, and experian regards to this debt let them know that I dont have an account with XXXX XXXX and never owed any balance to the company that they are mentioning in there letter. I would like this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX Inaccurate information reporting to the credit agencies. Date of last activity is reporting XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX XXXX XXXX. No date of last payment reporting to XXXX or XXXX. Company has not updated closed or open account on XXXX and XXXX. No response from this company. Account has been re-aged with inaccurate information.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I originally bought crypto currency on binance.com. When it was no longer allowed in the US, they made me transfer my funds to Binance.US. I did that on XX/XX/XXXX. Today is XX/XX/XXXX. They have not allowed me to withdraw my money. And have only responded to me once with no help whatsoever. This is a common occurrence with others as well. I need my money immediately. Ref # XXXX
Product: Credit reporting

I wrote Transunion in XX/XX/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me.
Product: Checking or savings account

Capital One N.A. closed my savings account, without tell the primary holder on the account and to this day has not told me whom had contacted them to do so. They are not giving me any copies of dates or all the checks that they wrote out, or where all the checks went to ( addresses ). Apparently the checks got returned to them because they didn't send them to the addresses on file. The account is still open and I had put a lock on the account back in XXXXXXXX XXXX XXXX Why won't they release this information to the primary account holder. I have contacted them XXXX times since XX/XX/XXXX now all they are saying is the account is closed, not true. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Experian ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Experian ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Rental Screening Solutions ( TURSS ), This is a formal and urgent demand for you to correct the inaccurate resident score of XXXX you reported, as indicated in a denial letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is not only inaccurate but has caused significant and unjust harm to my ability to secure housing. 

Furthermore, your actions directly violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate a blatant disregard for your legal obligation to ensure accurate reporting. 

If this matter is not addressed immediately, you will face severe consequences for your continued violations of federal law. 

My Demands : 1. Correct my resident score to no less than XXXX within 24 hours, as the reported score of XXXX is demonstrably false. 
2. Overturn the denial of my application at XXXX and confirm this decision to them in writing, stating that the denial was a result of your error. 
3. Cease all reporting of negative or inaccurate information about me in connection with my rental history or creditworthiness.

4. Provide a full explanation of how my resident score was calculated, including every factor contributing to the inaccurate score.

5. Notify me in writing and provide proof of the corrective actions you have taken.

Legal Consequences of Non-Compliance : 1. FCRA 611 ( 15 U.S.C. 1681i ) : You are legally required to investigate and correct all disputed information within 30 daysor risk penalties for non-compliance.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Reporting information you know or should know is inaccurate is a violation of federal law and could lead to lawsuits, regulatory penalties, and liability for damages.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Using false or outdated information to create a consumer report is prohibited and punishable under federal law.

4. FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : You may be held liable for both willful and negligent violations, including statutory damages, actual damages, attorneys fees, and punitive damages.

Urgency of Request : You have 24 hours from the receipt of this email to correct my resident score, overturn the denial of my application, notify XXXX in writing of your error, and provide me with proof of all corrective actions. 

Failure to comply with these demands will leave me no choice but to escalate this matter. I will immediately file formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all legal remedies available to me, including filing a lawsuit for damages caused by your negligence and willful non-compliance. 

This is your final warning. If you fail to act, you will be held fully accountable for the harm your errors and actions have caused. 

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

These issues are from applying for one personal loan threw a suggested XXXX XXXX company let me add it even said " we do not do hard inquiries on your credit so not to worry '' and all of the sudden multiple companies are on my credit report doing hard inquiries i have 100 emails from various different companies saying your approved so i one of the companies the first time and they again sent my info to all these other companies and come to find out there not even lenders they are just the middle man. Its ridiculous how it works. Im sorry no offense to whoever is handling this i dont mean any thing bad towards you, however i am just frustrated. Everything that I applied for it said I was preapproved for and it said it would only do a soft credit pull. I never authorized any hard pulls for any persona loans anywhere. My score was climbing and now its falling due to this. Please help. Anything you can do to help I would greatly appreciate. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Within the last 6 months, our interest rates have increased from XXXX to {$65.00} for appointment to app to a {$120.00} for XXXX payment. Which is not applied to the principle of the loan. And we have asked them to put what we have paid on to the loan, and they keep putting it on the interest. For {$780.00} payment interest rate is {$10.00}, which was made on XX/XX/XXXX. Where is the payment made on XX/XX/XXXX a {$200.00} payment was charged {$110.00}. 

XX/XX/XXXX {$840.00} interest {$69.00} XX/XX/XXXX {$400.00} interest {$69.00} XX/XX/XXXX {$200.00} interest {$90.00} XX/XX/XXXX {$200.00} interest {$67.00} XX/XX/XXXX {$370.00} interest {$44.00} XX/XX/XXXX {$230.00} interest {$70.00} XX/XX/XXXX {$150.00} interest {$90.00} XX/XX/XXXX {$150.00} interest {$84.00} XX/XX/XXXX {$200.00} interest {$29.00} XX/XX/XXXX {$200.00} interest {$110.00} We pay more in interest that the actual payment of the loan. We get charged more for interest then the loan itself. Then we were informed that we still have to pay for the loan even if they reposses the truck on top of all that they have walked me out of my online account to where I can't even see my loan. Forget my paperwork off of the internet.And this is from wells fargo.
Product: Credit reporting or other personal consumer reports

Kikoff Lending LLC is reporting an inaccurate tradeline on all 3 of my credit reports. Kikoffs XXXX reports are horrible! They are doing the same thing to many other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX-Retail Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of EDXXXX 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 an account without my written instructions
Product: Debt collection

This company has called me repeatedly using a phone number very similar to those that I frequent ( much like other scam callers ) so I had been ignoring the calls I received on Tuesday XX/XX/XXXX at XXXX and Wednesday XX/XX/XXXX at XXXX XXXX. Today, however, I recognized that the entire number was the same as the past two days and not just the area code and next three numbers. I answered and they inquired if my father was available, who is not registered to nor associated with my mobile number, so I asked who was calling. The woman told me she was calling from Affiliate Asset Solutions and again asked if my father was available or if I knew him. I asked her what this was regarding, and she said it was regarding " a business call, '' and once again asked if he was available. I asked her to repeat where it was she was calling from so that I could search it while we spoke and asked again what the call was in regards to, which she instead just replied with the question as to whether my father was available or if I knew him. I repeated my question of what is this call in regards to and by then saw on XXXX they were a debt collection agency. She repeated that it was " a business call '' and said she could not give me further information but still wanted to know if I had any connection to my father, to which I replied that I can't give her any additional information if she can't even tell me what the call is in regards to. She was about to start some script about it being a " business offer '' so I cut her off and let her know I'm aware that she's calling from a debt collection agency, that this number is not registered with the person they're trying to reach yet they've been calling me all week, and my number is also on the federal do not call list so this is collection harassment. I understand debt collectors are permitted to contact you, but after reading through my rights, it does not say anywhere that they can legally contact you and harass you on behalf of a relative 's debt.
Product: Credit card or prepaid card

While trying to fix the problem with my account and card with no help and no way of contacting them, there parent company claims no responsibility. After going down to social security and having them not able to help I found out that this is standard practice for Direct Express to lock people out of there accounts, I think it's time to start holding the parent company responsible because you have no recourse against a faceless company with just a phone number that they can just disconnected. There parent company has to be held to account COMERICA BANK.