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

Visited dealership on XX/XX/18 and spent 1 1/2 hours in the dealership to purchase a work truck. During this time, we negotiated price, money down, insurance, loan options, etc. During this time, we agreed to a price and discussed loan options so the vehicle would go in the company name. All was well when I left. Received a call from the loan officer at XXXX who said he had good news. I returned his call at XXXX and we went over options. We decided on the option that was best and the amount of down payment. Spoke with sales rep I had been dealing with. We talked about 2 options ( 1 ) they could bring me paperwork ( done this many times at XXXX XXXX ) now and we could sign or ( 2 ) I could come after my meeting. My meeting was done and on my way to dealership the manager calls me and says they sold it to someone else. My main issue is they pulled my credit and offered me terms to a loan. The hard pull will affect my credit. This is a deceiving practice and quite frankly damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten my  BMO Harris  debit card stolen on   X/XX/17   and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XXXX    XXXX   payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX     XXXX    was made for $   30+ and  ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  BMO  when canceling my card and caused the payment for  XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come  X/XX/17    I received a phone call from  BMO  's credit reporting office and was informed my payment was  30    days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XXXX    XXXX   payment that totaled out to {$100.00} and then the next day was in fact double charged for  XXXX   XXXX  overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. Filed initial FTC Report XX/XX/21. Requested directly disputed id theft info deleted and/or blocked. II. CRA Equifax refuses to abide by the intent and meaning of the statute and is perpetuating hardship with continued new reportings of past due amounts provided by XXXX XXXX. This is re-aging and against the standards as defined. III. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. IV. Please investigate & escalate non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

XX/XX/2017, I entered into a contract with XXXX for security services at XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX, a family farm that was being sold. The contract and installation were executed by XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. 

Mr. XXXX clearly represented that the 3 year XXXX contract could be transferred/ assumed by a new homeowner with my equipment and the transfer would be " smooth as silk, '' waiving my responsibility on the 3 year contract. The new homeowner executed his contract using my equipment in XX/XX/2017. He continues with the contract. 

Afterwards, I was called by some subsidiary of XXXX claiming that I had an account balance. All contacts that I made indicated the account was closed with a XXXX  balance. I explained that I must be on a robocall list and to please take me off. 

Recently I have been contacted by Hillcrest, Davidson and Assoc. to collect a delinquent XXXX  account. I again made calls to known XXXX contact numbers, including Defenders, out of XXXX, and was told there was a XXXX  balance. 

Calls have continued from H.D. and Assoc. Only last Friday did I learn from Defenders of XXXX that they are the entity that has turned over the 3 year balance on the XXXX contract to H.D. and Assoc. 

The amount is {$1900.00} plus collection expenses. Defenders tells me they are not obligated to honor the inducements by the installer even though the contract obligations are being covered by the new homeowner.
Product: Credit card or prepaid card

I had a credit card with XXXX and they never sent me a card, I received a statement in the mail yesterday and somebody had used the card fruadulently at a store in indiana and they made fraudulent transactions, my security was compromised and the card was mxed out in one day on XX/XX/2019. I had never received the card in my lifetime and somebosdy used it in another state. I called the company yesterdaty adn they were goign to file a report. today XX/XX/2019 i found that it was showing on my credit report negatively. I would like a fraud investigation completed
Product: Credit reporting or other personal consumer reports

The account XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/year> to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. Transunion, XXXX, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.
Product: Checking or savings account

**Account Number Ending In : XXXX **Claim ID : XXXX **Dispute Type : Debit - Unauthorized Transaction** **Date Error Reported : XXXX **Claim Amount : $ XXXX Attention Chime Dispute Team, I am writing this letter as a final attempt to rectify a clear billing discrepancy that I am disputing. The transactions that occurred at XXXX XXXX XXXX XXXX are the result of a cashier incorrectly inputting {$100.00} into their XXXX  system at the time of purchase. My actual bill was only {$10.00}. Additionally, I requested a refund of the transaction immediately after the discrepancy occurred, including the {$10.00}. 

Upon checking the dispute, it is indicated that a split decision was reached, where the dispute of the {$10.00} was approved, yet the {$100.00} transaction was denied. Firstly, it is clear that no thorough investigation had taken place, and that the representatives of the Dispute team simply looked at my statement, saw that a refund/credit was issued, and based their decision solely on that. No further investigation was done, the merchant was not contacted, nor was a chargeback requested for the merchant to cross-reference or verify the transaction. 

This dispute was also incorrectly and erroneously filed after explaining the circumstances to the representative. At this time, I am requesting a full re-investigation of my dispute, as this has yet to be resolved. The work ethic of the dispute team is called into question after several breaches of protocol and violations of my consumer rights. 

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

I am writing to dispute inconsistent reporting on my credit reports from XXXX, Equifax, and XXXX. The information on these reports is not uniform, which violates the Fair Credit Reporting Act ( FCRA ). Equifax is the ONLY credit bureau reporting this JPMCB/CHASE account that is NOT MINE! 
Equifax is in Violation of FCRA Section 1681e ( b ) Accuracy of Report : According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The discrepancies in my credit reports suggest that the credit bureaus are not complying with this requirement.

Violation of FCRA Section 1681i ( a ) Procedure in Case of Disputed Accuracy : Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of information on their report, the credit bureaus must investigate and correct any inaccuracies. The inconsistencies in my reports indicate that corrective actions have not been consistently applied across all bureaus.

Attached are copies of my credit reports from the three major credit bureaus, highlighting the discrepancies, as well as my previous correspondence with each bureau regarding these issues.
Product: Credit card or prepaid card

I received an email from American Express XXXX back in XXXX that I could receive XXXX bonus miles for referring friends and family. I directly forwarded that link to a friend to sign up for a XXXX AMEX XXXX XXXX. The friend filled out all relevant information and submitted. He received his card and started make purchases. I didn't hear or see anything in my account on the XXXX miles. I reached out on XX/XX/XXXX to American Express to inquire. They told me to wait a few days and they'd look into it. On XX/XX/XXXX, I asked again and was told to continue to wait a few days. Then on XX/XX/XXXX, I reached out again and was told that my friend didn't follow the referral link I sent and I was not owed the miles. I was with my friend when he clicked the link I forwarded him, as I was helping him set his card up. There is no possible way he signed up for this card otherwise, as I'm the only one who told him about the card and how since we traveled so much for work, he'd get a lot of miles and status with the card. American Express is trying to keep me from XXXX bonus miles, which is {$700.00}. I believe they're doing this intentionally to avoid paying out customers promised promotions while still receiving new customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows late payment for over 60 days late and I had made a payment and sent it by mail on XX/XX/2018 but the bank told me that they didnt receive the payment.. So I cleared everything for last years XX/XX/2018 payment.My husband found out that he had a sent a payment on XX/XX/2018 from post office and it got returned for XX/XX/2018 payment..Last time I talked to someone and made a payment for last years XX/XX/2018 payment and clerared everything. As you can see I always paid on time all along and I would appreciate it if you can remove the late payments and correct them to good standings. 
Here I have attached the returned check and the mail as a proof..
Product: Debt collection

NES has forwarded a letter to me with claims I owe them debt. I do not have any accounts with NES or its affiliate representative.
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. 

List of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family XXXX year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to Transunion 's response ( XXXX ) to my complaint. Transunion has had more than 30 days to conduct an investigation and they have failed to do so. At this point, they are violating the FCRA by not investigating within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial : XXXX : Police report wrote that I was using this car for work and I was delivering news papers at the time of the accident. My gap insurance didnt pay out for this because of the false information that was filed by the cop who wrote the report. I was using this car for personal use only. I was driving from one job to the next and told the police officer this. They billed me for the remaining balance and I do not owe this. This cop wrote false information.
Product: Debt collection

Comenity Bank/XXXX  - I never missed a payment. I paid every month in full and on time. I closed the account after it again was paid in full in XXXX. I am consistently receiving harassing calls that I can not talk to answer, stop them or anything. The calls JUST started in XXXX. I do not understand why. I have not had an active XXXX MasterCard in YEARS. No debt. This report is 100 % fraud/misreporting.
Product: Checking or savings account

My name is XXXX XXXX. I have been trying to get information about an account in my name from Wells Fargo. The account has an exclusion allocation amount of XXXX. I've been contacting the bank consistently trying to get information about why the amount was so high. I first opened the account on XX/XX/2016. I only opened a checking and savings account. While I was sitting with my banker he informed me that I had three retirement accounts. I looked into the accounts and there was never a balance, but after contacting a Wells Fargo advisor I was informed to contact an tax accountant. The problem is the bank will not release my account numbers to me. I've been receiving false documents from Wells Fargo along with XXXX XXXX. I also tried getting my credit report from XXXX. The customer service agent informed me that my information didn't match what he had on file. I think some one has power of attorney of my rights. I've never been informed about who this person is. There's also a retirement account from XXXX XXXX that I can't access. I need help getting financial information accessible.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account Name : XXXX XXXX XXXX  # XXXX 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. 15 U.S.C 1681 ( 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 on 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 accurate. These inaccuracies are stopping me from obtaining credit for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, DeptedXXXX  XXXX, DeptedXXXX  XXXX, US Dep ED XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX 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