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

On XXXX/XXXX/XXXX at the XXXX of XXXX dealership ( dealership # XXXX XXXX I purchased a new XXXX XXXX NV XXXX van. During the initial negotiations, the salesman had added some optional coverages which I did not have a clear understanding of. After doing some more research, I decided that I did not want these options and requested to my salesman to remove them. Before I ever took the car off the lot that day, we reconfigured the loan numbers with the options removed and we came to an agreement for the new loan amount, and the corresponding monthly payment arrangement amount. Due to the dealership closing at the time, my sales rep told me that these changes would be finalized the following day and assured me that the new agreed upon loan amount would be honored. Since the date of purchase, I have called and stopped by the dealership numerous times to check and make sure that these changes were made. I was told on more than one occasion, in person and on the phone by my sales rep, that these changes were made and that I would see the corresponding changes in either a letter or bill that would come in the mail. After waiting over a month and not receiving anything, I had to call into XXXX XXXX customer service and ask about my account and the payment amount. It was only then that I found out that none of the requested changes were made, and that my loan amount and monthly payment were not what was agreed upon. The very next day after finding this out, I went to my dealership once again and when I asked my sales rep, he explicitly told me that he had talked to XXXX XXXX services and requested for the changes when the vehicle was first purchased. He assured me that the changes were requested and that it mustve been a clerical error that the changes werent made. He assured me once again that he would follow up with them and to check back in with him the following day to make sure this issue was taken care of. Since our last meeting, I have called Each and every day only to not get an answer, and all of my numerous messages have gone unreturned. Upon further investigation with XXXX XXXX services, they informed me that any type of changes to the loan agreement would need to be done on a new contract document, and that they had not received any contact or inquiries at all from my sales rep or dealership. They also informed me that the sales reps receive the most commission back on these particular optional coverages, which led me to believe that this was the reason why my requested changes were never taken care of by my sales rep. At this point I feel that I have exhausted all possible options to get this taken care of between the dealership and sales rep this vehicle was purchased from, and seeing as how much time has passed since the date of purchase, I need assistance from an outside source or counsel to ensure that this matter is resolved as initially promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have specific account inaccuracies that need to be corrected. Equifax will not provide any proof of how they validated this inaccurate information. 

XXXX - XX/XX/XXXX : Requested & received Equifax credit report. 
XXXX - XX/XX/XXXX : Mailed ( certified ) dispute letter with enclosed ID & Utility Bill XXXX - XX/XX/XXXX : Mail response received from Equifax stating No Record found XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes. 
XXXX - XX/XX/XXXX : Mailed ( certified ) response letter itemizing inaccuracies and requesting method of verification. 
XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX on XX/XX/XXXX. The second one is Elan financial on XX/XX/XXXX and XX/XX/XXXX. The third one is XXXX XXXX XXXX XXXX on XX/XX/XXXX. The third one is XXXX on XX/XX/XXXX. the fourth inquiry was XXXX XXXX on XXXX on XX/XX/XXXX, XX/XX/XXXX. I would just like for the inquiries to be removed thanks.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Stellar Bank bought out XXXX XXXX  who provided a line of credit to XXXX XXXX XXXX XXXX XXXX which is a fraudster corporation being sued by 20 people in Texas for tax fraud, wire fraud, investor fraud and many other charges. Stellar Bank is involved in the fraud because they knew the credit score of the debtors XXXX XXXX and XXXX XXXX XXXX were too low to issue a line of credit so they had another investor ( XXXX XXXX ) use his credit score to get a line of credit for {$750000.00} for XXXX XXXX XXXX which is currently in bankruptcy proceedings and the investors are left in the cold without access to the information to prove the fraudulent bankruptcy that allowed the bank to take 2nd lien holder position after XXXX XXXX out of XXXX XXXX, Florida who provided a {$1.00} XXXX line of credit to XXXX XXXX XXXX and they were defrauded out of their loan taking the XXXX XXXX commercial property and 1st lienholder position of the building away from Stellar Bank because XXXX XXXX was aware of the fraudulent lending practices that they engaged in to give the line of credit to XXXX XXXX XXXX for the building. He took the money from the building and allowed it to go into bankruptcy along with his partners XXXX XXXX and XXXX XXXX. They have left investors without millions and he fled to Florida with money committing tax fraud, wire fraud, investor fraud and many other crimes. XXXX XXXX committed tax fraud, money laundering and all the same crimes by embezzling the investor funds into a XXXX XXXX XXXX XXXX cash for XXXX XXXX and buying a dive shop for cash without a job. She admitted under deposition taking money from the corporations she partnered with her father and she receives all her money from her father. The Stellar Bank has engaged in the fraud and they have directly denied myself collecting on a summary judgment by engaging in these crimes and taking 2nd lien holder position to a Florida bank that took possession of the building in the bankruptcy. Stellar Bank has seriously damaged my family financially because of their refusal to participate in assisting the victims of this Ponzi scheme. The bank has allowed the line of credit to go directly to the fraudsters bank account and not to the XXXX building as designated. Please help me get the Stellar Bank to be accountable to me and the other victims for the millions they owe for this fraudulent lending practice. I have the documents to show they engaged in this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following items with EQUIFAX to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1300.00} company : XXXX XXXX XXXX 
opened date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$980.00}
Product: Debt collection

Western Mercantile Agency INC of XXXX XXXX Oregon. They call me about unpaid medical bills. I pay the XXXX in full with a bank debit card. Western Mecrcantile refuses to email a receipt or send a receipt via USPS, offered a receiptif I drove 16 moles to their office.. I drive to their office and spoke with the supposed Director named XXXX. She also refused to give me a receipt, stating the debit card had not deposited the funds. My vank states the funds were debited from my account. I was refused proof of payment by Western mecantile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my equifax credit report from the same company less than 30 days apart. one inquiry is on XX/XX/2022 and the other is XX/XX/2022. They are both from XXXX. I have no knowledge of these inquiries and I did not authorize for my credit reports to be used for this company. These are fradulent inquiries.
Product: Credit card

I believe that under FCRA 605B, we must remove any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear Experian Dispute Department, I am writing to formally dispute certain information on my credit report. Specifically, I have identified unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : I have noticed the following hard inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require explicit consumer consent. Since I did not authorize these inquiries, I request their immediate removal from my credit report. 

Inaccurate XXXX Account Information : The XXXX account listed below is inaccurately reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off According to the Consumer Financial Protection Bureaus lawsuit against Experian ( CFPB v. Experian Information Solutions, Inc. ) , credit reporting agencies must ensure the accuracy of all entries. Please update this account status to reflect its correct standing or remove it if verification can not be made. 

Enclosures : Copy of my driver 's license Copy of my Passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

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

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  3.Global lending services XXXX Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed this information.
Product: Checking or savings account

My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to my account.
Product: Debt collection

Identity was stolen I mailed in all my evidence and receipts and they did not care
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

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

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have received numerous and repeated calls from National Credit Adjusters attempting to collect a debt. I have repeatedly asked for proof and verification of this debt and have been refused, I was told " we can't do that ''. I informed the callers multiple times that this is illegal and I would be filing a complaint. I have been the victim of identity theft, case number XXXX, I informed the callers of this also, this item is on my credit report and I want it removed for failure to provide the information I requested on numerous occassions.
Product: Money transfer, virtual currency, or money service

I received a call from USAA on XX/XX/2023. The caller ID said USAA and the number calling was their main number ( XXXX ). I was told someone was trying to access my accounts. They asked if I had made these purchases at a XXXX and XXXX XXXX in XXXX XXXX, CA totaling around {$900.00}. They asked me to log into my account to verify if these charges were on my account and to verify if there were any other unauthorized payments made. They asked to confirm my pin with them and then thats when I received an alert saying there was a wire transfer initiated. They alert was from the USAA automated text response system. He told me that someone was trying to wire transfer {$9600.00} from my account. He said I should be receiving a 6 digit pin and to verify the pin with him. He said he was going to start the investigation and recall the funds. After a short hold he said another transaction for {$8300.00} was happening and asked if I authorized it and if I knew the person ( XXXX XXXX ). I said no and he said I will get a security pin texted to me and to verify that with them. He had asked for me to go into the wire transfer history to see if his recall had stopped the transfer or if the transfer was completed but I had bad service and it wasnt loading. After a while I just hung up and called USAA under the same number ( XXXX ) and told them what had happened and USAA said that that wasnt them and that scammers most likely spoofed their phone number. That is when the real USAA started an investigation and recall on the transfers.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove the XXXX XXXX XXXX that's on my account. Should you need a reminder please refer to XXXX XXXX XXXX ( A ) ( XXXX ), XXXX XXXX XXXX ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. The XXXX was dismissed and means that in court terminology it never existed. I never went through with the XXXX XXXX XXXX. I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The XXXX XXXX stated to me that they don't share that information and that it was dismissed so that should not be reporting on my consumer report. How can XXXX XXXX verify anything when my account has been opted out and blocked, so I am stating that Equifax are not verifying and just keeping the information the same without a human person really doing the research to verify the information. I will attach the letter from the XXXX  XXXX and also my letter from XXXX XXXX.