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

First of all we all know when a business uses the term XXXX it is just a big front. 
Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my 20s of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all spineless, I have enclosed two documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my 1st amendment privileges which are freedom of speech and expression of what one believes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the XXXXhree credit bureaus ( XXXX, Transunion and XXXX ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.
Product: Mortgage

I was wanting to get money from the equality in my house. On a Sunday I received a call from Amerisave informing me that they were wanting to work with me. XXXX was the Amerisave representative. I followed their process and submitted the required documents, some several times saying that the underwriters were requiring the documentation. My house was appraised by XXXX, charged to my credit card. I paid {$450.00} for an appraisal that can only be used by Amerisave Mortgage Corp. I would like {$450.00} charges refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

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

I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX Keeping inaccuracies on my credit report without fully investigation Violations : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees. 



Requested Actions : I hereby request the following : That [ Credit Bureau Name ] conduct a thorough investigation of the disputed information.

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report.

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted. 

Supporting documentation, including [ proof of payment, correspondence with the creditor, etc. ]. 

A copy of my identification and proof of address to verify my identity. 


Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights. 

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ). 

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

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

I was looking at my credit report and notice hard inquires that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C.  1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

An account was opened for XXXX XXXX in XXXX of 2016. Immediately after a better deal was obtained from XXXX. XXXX equipment was returned to them and the account closed within two weeks, well within their 30 day no risk guarantee. XXXX has attempted to claim two invoices in the amount of {$200.00} for XXXX and XXXX of 2016 despite their equipment ( set boxes and routers ) being returned and the account closed in the same month, XXXX of 2016. Despite repeated requests for a contractual agreement with a start and end date to validate their claim for this money, they only provide invoices as their validation, which does contractually prove any agreement between myself and XXXX.
Product: Credit card or prepaid card

I received this card in XX/XX/XXXX and have made payments consistently every month, sometimes twice a month. However, this credit card company has charged me interest every month and has said I have had late fees every month. I have been charged interest even though I have never been late on any payments. 

Payment dates and amounts : XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00}, XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$130.00} XX/XX/XXXX paid {$110.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$60.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$260.00} XX/XX/XXXX paid {$250.00} XX/XX/XXXX paid {$500.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$500.00} Charged interest dates and amounts : XX/XX/XXXX charged interest of {$23.00} XX/XX/XXXX charged interest of {$34.00} XX/XX/XXXX charged interest of {$5.00} XX/XX/XXXX charged interest of {$30.00} XX/XX/XXXX charge interest of {$12.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$37.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$38.00} XX/XX/XXXX charge interest of {$31.00} XX/XX/XXXX charge interest of {$31.00}
Product: Debt collection

XXXX was notified to terminate services as of XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. I had no written or verbal contract with XXXX that had a pre-determined time period or a specific notification required regarding notification to terminate services. 

Upon receipt of the first bill from XXXX after my request to terminate services another call was placed and the request to terminate was once again provided, noting that I originally called and terminated services on XXXX/XXXX/XXXX. 

On XXXX XXXX, I sent a letter to XXXX and The CBE Group Inc. ( XXXX collection agency ) asking them to cease collections activity. On XXXX/XXXX/XXXX I received a letter from The CBE Group advising with XXXX response which was merely a copy of their billing statements without proof of claim. 

I have attached my XXXX bill ( internet ) and my XXXX bill ( television ) in support of my claim that a request to terminate services was made to XXXX. 

XXXX simply did not document the request, not once but twice.
Product: Checking or savings account

I arrived at the PNC XXXX XXXX at XXXX XXXX XXXX XXXX at about XXXX on XX/XX/XXXX to withdraw {$700.00} out of my checking account. The balance was just over {$910.00}. I was then told my the branch that this branch did not personally dispense cash, and that the only cash withdrawal possible was through the XXXX I then attempted to use the XXXX seeing as my XXXX limit was set at {$1000.00}. The transaction was processing, and as the machine made an odd noise, the money failed to dispense and said that the transaction was canceled. I checked my account to confirm that the transaction was cancelled and to my surprise, the transaction had posted leaving me with just over {$210.00}. I then approached another bank employee and asked to speak with the branch XXXX. The branch XXXX, XXXX, spoke to the employee and said to process a dispute. The employee, XXXX XXXX, tried processing the dispute which didnt go through. At this point it is XXXX and nearing this branchs closing hours and my money has still not been made available to me. I am obviously frustrated at the fact that I trust this institution with my money but they can not provide me with money out of my account because of a hardware issue and on top of that, wasted nearly an hour and a half of my time visibly stalling and claiming they can not print out the transaction details. Towards the end of the day, XXXX, when I asked what was being done to fix this issue and express my concern with the situation, XXXX XXXX XXXX to raise his voice with me and then stomped out of his office. The branch XXXX then brought me in her office and did everything she could do to help. Unfortunately, they had to overdraft my account for another {$700.00} and give me a cashiers check for the amount that I was attempting to get in cash in the first place. My only concern with the situation as I left was the fact that my money has still not been posted and that my account is now overdrawn, even though I now only have a cashiers check for the amount instead of cash, which if I had gotten cash in the first place I wouldnt have been overdrawn.
Product: Vehicle loan or lease

MBFS website changed its platform autopay after my lease I was given INCORRECT Instructions on setting up the new autopay protocol. When my autopay lapsed I was not contacted via phone call or voicemail or email to notify me of the late payment. By the time I was finally contacted by phone regarding the issue the payment was already past 30 days late, at which point I paid my account in full. I was assured many times over phone with the MBFS customer service that my account would be resolved and not reported due to my o time payment history - I spent weeks providing records with no receipts on their end by fax. After endless phone calls and faxing that promised this would be removed and removed from record on their end, the claim was denied with no explanation despite my perfect payment history and promises made by CS that this was their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX  yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

Transworld system 's XXXX DE XXXX without any notice put XXXX collection on all three credit beauros. I called them they failed to know much except they bought the debt from original creditor and I was living in XXXX in XX/XX/2016 not on XXXX XXXX in XXXX tx. This is all they could give me. Refused to give me any verified Information about account XXXX. They admitted not having a contract with me and not having proof I gave them consent to have my private information. They were noticed they committed identify theft extorting me for money and harmed me putting it on my credit report without proper notice of me owing them any kind of debt. Basically said pay it or sue us knowing it would cost more than XXXX to sue to get it off my report. Original creditor is supposed to be direct energy and I used first choice on XXXX XXXX never lived on XXXX XXXX. They failed to verify I had lived there as well. Texas statute of limitations says 4 years to collect a debt. I informed them they are breaking statute of limitations they didnt care as well.
Product: Mortgage

PNC is being once again completely fraudulent with documents deferring payment during this covid. Spoke to agent sent docs back to add to back of loan Now they are stating docs were late padtdue and thdy need complete payment of owed amount. Hassling me over phone every day not receiving the correct datsz due told me initially as long as postmarksd XX/XX/XXXX nd they have not received by mail yet as of XX/XX/XXXX th. Please stop them from this and put balance on back of loan. 

Second fraudulent claim against them in one month. They told me pmi would be removed and forebearance would not effect it. More lies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by First Progress Card To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by First Progress Card. According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted First Progress Card regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, First Progress Card has not updated my information with all three credit bureaus without correcting the inaccuracies.

I kindly request that your offices investigate this matter and take appropriate action against First Progress Card for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness.

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

I had insurance because i was XXXX at the time and i guess they didnt update it into their system and i received multiple letters saying that i have to pay {$3000.00} and {$2500.00}. The date for the XXXX was sent out sometime in XXXX XXXX  2017 and i believe the XXXX can about just a couple months later. There was just not enough information for me on why i was being charged this if i had insurance