23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a claim for a couple of transactions for a rental car agency called get around. I havee documents from them stating I'm supposed to receive a XXXX dollar deposit back from the vehicle I rented I have documentational proof for this And yet the denied my claim
Product: Vehicle loan or lease

American Honda Financial services has Illegally collected a disposition fee ( {$350.00} ) plus tax against the agreement on my lease contract when I already have purchased the leased XXXX vehicle through another third party dealership. 

I leased a XXXX XXXX XXXX in XX/XX/2018. 
Couple of months in advance before my lease was up, I decided to buy a new XXXX. 
And I paid off Honda financial services in full Via check to through a dealer. 

The California Lease agreement clearly mentions under section # 3 that Charges such as disposition or Turn in fee ( 350 $ fee+tax ) will ONLY be applied if i do not purchase the vehicle and return the vehicle itself to XXXX dealership XXXX 
( Please refer the attached contract snippets. ) There is no legal right for Honda financial to charge a vehicle disposition fee to cover a car that they no longer own nor have to dispose of. This is highly unethical. 

My lease contract states there is no purchase option fee nor conditions the disposition fee will be incurred in the event of a purchase. 

The discrepancy between personal and third party payoff is not addressed in the contract. It just says the lessee is the only one that can exercise the purchase option. And I am being illegally charged turn in/ disposition fee for exercising my purchase option. 

The attempts made to resolve this issue with XXXX financial were unsuccessful. 

I would like this charge to be dropped/refunded to me ( as I am forced to pay it to complete the purchase of my new XXXX vehicle ). 

Please help me resolve this case. 
Thanks! 


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

Equifax has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND EQUIFAX TO DO THE SAME!
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULANT UNAUTHORIZED INQUIRES THATS REPORTING TO MY CONSUMER REPORT, I AM REQUESTING THESE INQUIRES TO BE DELETED FROM MY CONSUMER REPORT ASAP UNDER 15 USC 1681c-2 BLOCKING INFORMATION IN REGARDS TO IDENTITY THEFT XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I made a payment on XXXX for {$60.00} and they fraudulently withdrew another {$60.00} on XXXX, bouncing my checking account. This is the second time they've done this.
Product: Debt collection

I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.
Product: Checking or savings account

I was fraudulently induced into sharing account access information with a third party and that party used that information to make a EFT from my account. Therefore this isn't an authorized EFT from my account I received a text and a call from a Bank of America fraud representative from the Bank America fraud number ( which I XXXX and the number was confirmed ). The txt and representative asked me if I authorized charges in the amount of {$2800.00} and {$650.00} to a name I did not recognize. I stated I had not and the representative took me through the steps to reverse the charges and re-secure my compromised account. When I realized it straight away it may be a scam, I alerted Bank of America through the small business number as this was from my small business account. The transactions were unathorized XXXX transfers through Bank of America. I have filed a claim through Bank of America. 

As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. 

Thank you for your help in promptly resolving this matter
Product: Credit card or prepaid card

I have applied for several credit cards from credit karma that advertised i was peeped for but was declined for. This has lead to negitive information on my credit report and an now waiting on buying a house until its disappears from my credit report. I see this is a reoccurring problem from credit karma.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a XXXX XXXX this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Product: Mortgage

I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage
Product: Mortgage

I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint is being filed to demand pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information consist of 21 accounts reporting fraudulently and inaccurately. See attachment. These accounts have resulted in several fraudulent collections and accounts appearing on my consumer FICO credit report. I've attached a list of the accounts in question. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 



I am also filing this complaint because are 21 accounts on my credit report that XXXX, Equifax and XXXX have allowed to be on my credit as a result of identity theft. They are unlawfully reporting accounts that arose from IDENTITY THEFT and did not verify the aforementioned accounts as required by law and are now reporting to my consumer report. according to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In General. 



WHOEVER, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 



An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because they furnished, shared and are allowing the publication of my consumer report without my written permission as stated by federal law. 



According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



I, XXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. They also do not have any permissible purpose to furnish my personal information to any third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
Product: Debt collection

This company put a false inaccurate account on my consumer report and then when I submitted a complaint about it they removed it from my account. then they started sending me emails and put it back on my consumer report 2 weeks later. I do not know this company I do not have a contract with this company I never gave this company permission to contact me in any way. they are constantly harassing me. I sent out a notarized affidavit along with a cease and desist, original dispute were the account was deleted by them the first time, Communication stating I owe a debt, I sent a letter showing they bought the alleged debt and an invoice with the violations they have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXXXXXX Fraudulent Inquiries XXXX  Inquiry : XX/XX/2020This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please also send me an updated credit report reflecting these changes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX  I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on
Product: Credit card

There was fraud on my credit card transaction. I never received a receipt from the merchant because the merchant sent the receipt to the wrong email address. I had no way to return the merchandise. 

After XXXX months, I got a copy of the transaction, and the company called XXXX submitted a blurry copy of the transaction with the merchant 's contact information. I spoke to the owner, and she remembered me. She said she would be willing to help me sell the equipment, though she would not allow me to return the merchandise. The merchandise did not work as promised. 

The merchandise was in dispute for over XXXX years. 

I contacted the Goldman Sachs Apple Card representatives throughout XXXX and XXXX. I recorded about XXXX to XXXX phone calls regarding my forced payment from XXXX to XX/XX/2024 because I didn't file a police report regarding this fraud, and Apple Card requested this information to reopen my claim. 

Several Apple Card representatives told me that no reports would be made to the credit bureau regarding this fraud. I was also told that once the police report was filed, I would get credit back on anything I paid. 

In XXXX, I received a XXXX day late payment report to the credit bureau and decided to pay Apple Card {$210.00}, not the {$50.00} they said was due. Then, in XXXX, I received a XXXX late notice. 

My XXXX XXXX has gone down over XXXX points! 

I disputed this XXXX XXXX decrease and called Apple Card. They keep lying to me regarding my credit report! I have them recorded that they said my credit would not be affected as they continue to investigate this fraudulent matter.
Product: Mortgage

My income was decreased because of my work hours being cut back. I have been struggling with my mortgage payments for the last few years and I have excessive late fees from being late. 
I've recently requested a mortgage modification.Submitted financials and the modification request to my mortgage company Mr. Cooper. My mortgage sent letters that say my mortgage has been sent to a collection agency. I don't want to lose my home I want my modification request to be processed. I need help
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.
Product: Credit card or prepaid card

When the store sales person applied for the card, I wasn't given any information by the XXXX 's store because a wells Fargo member called to give me the info over the phone. After all information provided I accepted the card verbally over the phone. I never saw any written contract online because the store staff did all. The Wells Fargo caller informed me I had a 12 months no interest promotion, and after this 12 months whatever balance is left I will have interests on it. That's how it is with all cards, I understand and accepted. But what happened was different. Once the 12 months came by, I was half way done paying it, Wells Fargo charged all interests back to the 12 months I've already paid, plus all interests of amount owed. That brought my account almost to stage 1, because the amount went high again, I was enable to make more than minimum payment, that resulted in lot more interests of course. Eventually, I just lost control of the account. XXXX XX/XX/2019, I made a payment for the two months that I was behind. I am requesting the conversation the Wells Fargo and I had over the phone, Wells Fargo has not provided yet, they don't want to provide I believe, because I never receive answers about that.. I tried calling more than 20 times, no one seems to care. I spoke with many different people, every time I call I have to repeat over and over again, same story. I will get a lawyer soon if this claim doesn't help, but I want to try one more time before I take drastically actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided the credit reporting agencies Equifax and XXXX that the account XXXX XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agency ) with XXXX XXXX company 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agency 's word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.