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

Pursuant to contract titled " RETAIL INSTALLMENT SALE CONTRACT " and dated XX/XX/year>. XXXX XXXX and XXXX XXXX XXXX XXXX have conducted themselves in such a way that has breached our agreement due to the following action which violates the Uniform Commercial Codes and your obligations within the agreement. 
Unlawfully withholding information from consumer such as the identity of the original creditor. 
Unlawfully securitizing contract without fulfilling principal obligations Unlawfully defaulting on Purchase agreement not paying principal or interestUnlawfully defaulting on Purchase agreement not paying principal or interest Unlawfully requiring a Downpayment, subject to a " FINANCING CHARGE ''. 
Unlawfully separating AMOUNT FINACED from the " TOLTAL SALE PRICE '' Unlawfully fluctuated total price in addition to a adding a " SERVICE FEE, and FILING FEE '' which either, I never consented. 
Unlawfully disclosing Private information with a third-party affiliate " Spireon " Unlawfully prescribing multiple accounts of false and misleading informationUnlawfully disclosed nonpublic personal information to third parties ( such as XXXX, XXXX, XXXX ) Unlawfully refrained from disclosing full credit cost disclosures and Opt out options Unlawfully requiring accident insurance to purchase vehicle Unlawfully repossessing vehicle without a judicial process Unlawfully using false and deceptive practice in the means to collect a unlawful debt. 
Unlawfully furnishing account without the written instructions of the consumer to whom it relates Unlawfully conspiring using extortion of means to attempt to collect a extension of credit to punish me for the nonrepayment of. I also gave the company a chance to mediate the situation at be with three official notices and denied all facts and has yet to provide lawful evidence
Product: Credit card or prepaid card

In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.
Product: Credit reporting or other personal consumer reports

I hereby dispute the validity and accuracy of the account listed below fully and I also request verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt .investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Debt collection

XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX CREDIT - XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX SYNCBAMAZON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAINESWEINER XX/XX/XXXX XXXX XX/XX/XXXX PAGE BROTHERS ASSOCI XX/XX/XXXX CAINEWEINER COMPA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXXXXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the XXXX, XXXX, Experian, credit reporting agency, block 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. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard 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 XXXXXX/XX/XXXX resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.
Product: Debt collection

The company has violated my consumer rights pursuant to 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent. Illegally trying to collect a debt while being a third party debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while observi ng my credit score and   account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my   XXXX   and   XXXX   reports. On my  XXXX  report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with  XXXX . This was never an authorized inquiry, nor  one t hat I have ever been familiar with. I would like it removed fro m my credit score, as it states the estimated remova l date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX    report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score.  This specific inquiry states it is from Cbna   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and will be removed at an estimated date of  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer adjustment company showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXXXXXX  with XXXX XXXX with a closed date of XX/XX/XXXXXXXX  and a balance of {$720.00} Consumer adjustment company has a new open date and delinquent date as XX/XX/XXXXXXXX  with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I originally faxed my XXXX form to XXXX during the period when my loans were getting transferred to MOHELA ( XXXX, 2022 ). XXXX, like they were supposed to, forwarded it to MOHELA, but MOHELA sent it back to XXXX and they processed it, and sent a letter stating I had no eligible loans with them. 

In XXXX, I resent my XXXX form to MOHELA, which they denied a couple months later stating that the signature for the supervisor that signed my form wasn't a real signature ( which it was ). 

So I had to send the form a third time in XXXX. I finally hear back from them 4 months later in XXXX, and they're not counting 7 years of payments I made towards my loans in their XXXX XXXX calculations. They also stopped counting payments after the date I submitted the form, even though I'm still employed at the same business. 

I've also sent them a message in XXXX on a different topic and got an automated response 3 weeks later telling me to call their XXXX number. Why even have electronic support when you don't do anything with it? XXXX was much easier to work with.
Product: Student loan

XXXX XXXX submitted false information to the board of education and lied and threatened me off campus back in XXXX. They said I XXXX and I didn't the XXXX XXXX XXXX  was the one 's that threatened me off campus and falsifying documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian a few months ago about a debt that they have removed numerous times on my credit report but keep reading from XXXX XXXX of XXXX XXXX, Ar. XXXX of this year, Experian sends me a letter stating that I needed to take it up with the creditor. On XX/XX/XXXX of this year, I sent a letter to XXXX requesting verification of the debt via certified mail. XXXX did not accept the letter and had it returned to me. I sent another letter to XXXX via regular mail again requesting they verify the debt. XXXX then sends me a letter in XXXX stating that I do not owe the debt. I send Experian and XXXX  the letter that was sent to me from XXXX. XXXX removes the debt, but Experian sends me a letter dated on the XXXX of XXXX stating that they verified the debt with XXXX. I am looking into legal means to handle the situation, but I am giving Experian one last chance to rectify their wrong permanently.
Product: Student loan

The loan servicer has not paused my payments/interest during the XXXXplus years in which the Presidents of the United States enacted payment pause of student loans during the COVID pandemic. During this time, Navient would guide me into forbearance and not pausing these loans, The Department of Education sent me an email ( that I have enclosed ) stating my loans should be paused until XXXX of this year by the President of the United States. However, Navient continues to call and email me about my payments during this time. 

The Department of Education sent me an email ( enclosed ) dated XX/XX/2022, stating payment pause was extended to XX/XX/2022. Navient emailed me ( enclosed ) on XX/XX/2022, stating forbearance was an option concerning my federal loans with them not mentioning these loans should have been paused since the first payment pause from the Trump Administration.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. 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. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

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 XXXXXX/XX/XXXX 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 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. Considering the CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist you investigate as required by FCRA law. Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMAIL : XXXX XXXX XXXX FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Equifax Credit Report, I notice that Equifax is still reporting a collection account on my credit file in which Equifax is unable to verify that it is my account. XXXX XXXX XXXX has sent me a letter, in which I sent a copy to Equifax stating they, XXXX XXXX XXXX, is unable to locate an account with my name and address. Yet, Equifax continues to report this collection on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. 

Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. 

I need to freeze our credit reports.
Product: Checking or savings account

On XX/XX/XXXX I opened a Huntington 5 checking account in the XXXX branch in person. I emailed my coupon code to the banker for a {$200.00} checking bonus. XXXX XXXX : XXXX You were required to make cumulative deposit of {$1000.00} w/in the first 60 days. I made the {$1000.00} deposit at opening to satisfy the conditions of the bonus. The {$200.00} was to be deposited within 14 days after the account was open for 90 days ( XXXX XXXX ). XX/XX/XXXX is 104 days after opening and I have not received my bonus. I contacted the customer service line for Huntington and was told to contact the branch. I contacted the branch and have not received a contact back from the banker who opened my account as of the time of writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and I have contacted first bank but they don't have any information in their systems. There are many violations according to FCRA. This account has been deleted from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have potentially been impacted by the recent Equifax security breach where millions of consumer 's private information was stolen.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I bought a puppy from XXXX XXXX XXXX via XXXX ( screenshots of his information and company are in the attachment ) after two hours of talking to him regarding the puppy and the services they offer. The price for the puppy was {$1200.00} and {$300.00} for shipping. I paid {$1000.00} first and {$500.00} when I received the puppy. The company is located in XXXX, XXXX  and I live in XXXX, XXXX. He wanted payment in Zelle. I have used Zelle to pay people before without any issues and I thought it was like any other payment app that offers consumers fraud/scam protection, so I went ahead and paid XXXX XXXX XXXX {$1000.00} with a note " For XXXX XXXX  ''. 

XX/XX/2022 XXXX sent me a picture of the puppy essentials and a tracking # via XXXX.XXXX. Customer service from the company also texted/called/emailed and kept me updated on the status of the puppy delivery ( screenshots of the delivery are in the attachment ). An hour after, customer service ( XXXX ) called me and said the puppy needed a ventilated crate to be on the plane. The price is {$1500.00} and is 100 % refundable when he is delivered. I read the information via the email she sent me ( XXXX ), talked to her on the phone, and asked about it before I sent {$1500.00} to the XXXX XXXX XXXX. An hour after, they contacted me again regarding XXXX XXXX for the puppy ( another {$1600.00} and 100 % refundable upon arrival ). I told her the website says " {$50.00} for covers up to {$5000.00} '', why should I be paying {$1600.00} for it? She explained this is a one-time payment and is 100 % refundable to ensure the puppy is safe and healthy. She tried to convince me that they have been in the business for many years and I should have trusted her. I questioned her regarding their service, they should have told me about the insurance before trying to ship the puppy if they have been in the service for so long. I refused to pay another XXXX to this company and wanted my refund. After two hours of arguing back and forth with XXXX XXXX XXXX customer service and XXXX XXXX via XXXX, they asked me to pay the {$1600.00} with a different XXXX XXXX ( XXXX XXXX XXXX XXXX since I told them I couldn't use Zelle anymore. In the end, I told them I didn't have any money left and they can send the puppy back to the breeder and I wanted my refund. They stopped messaging me and deleted my XXXX account. 

When they asked me for the {$1600.00}, I suspected I was getting scammed and contacted XXXX  XXXX XXXX, and they transferred me to Zelle customer service to file a complaint. They said it was unlikely I would get my money back, even though I have proof that I got scammed. This is unacceptable. Big banks like XXXX XXXX XXXX promoted Zelle to consumers and offered no protection. One of the transactions ( {$1500.00} ) was still processing but they couldn't cancel it. I rarely cried and I actually did that day. I lost my hard-earned money and didn't even receive a puppy. Zelle needs to change their policy regarding fraud and scams when consumers provide proof they have been a victim of a scam/fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.

System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana