23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw a bankruptcy on my report. I disputed this as inaccurate information and asked for proof of confirmation which I never received. I have never filed bankruptcy and never lived in SC. I am the victim of identity theft and had fraud alerts placed on my report. I have disputed this countless times to no avail and this is causing me financial stress and hardship. I disputed and had removed from other bureaus but Experian and XXXX  is still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Subject : Urgent Complaint : Deceptive Delays and Emotional Trauma Caused by US Bank 's Title Release Failure Dear US Bank Leasing Department, I am writing to express my extreme dissatisfaction and emotional distress caused by the unacceptable delay in releasing the title for my leased vehicle. After diligently fulfilling my obligations by paying off the full lease amount 90 days ago, I am now facing the dire possibility of losing my car due to US Bank 's repeated failure to send the title. 

45 Days of Inconsistent Responses and Wreckless Negligence : In the past 45 days, I have placed at least 4 calls per week inquiring about the title 's mailing status. Each call yielded inconsistent and unhelpful responses, further adding to my frustration and anxiety. This blatant disregard for my concerns and urgency represents a level of negligence that is simply unacceptable. 

Imminent Threat of Car Repossession : My new financier, adhering to their strict 60-day policy, is prepared to repossess the vehicle if the title isn't transferred to their name within that timeframe. This impending deadline hangs over me like a dark cloud, causing immense emotional trauma and stress. 

Financial and Emotional Damages : Due to the missing title, I have been forced to pay two months of car payments while being unable to drive it. This financial burden is compounded by the additional costs of relying on XXXX and borrowing other vehicles for my transportation needs. The constant worry and frustration of chasing unresponsive representatives has taken a significant toll on my emotional well-being. 

XXXX Efforts Rendered Futile : Even the XXXX XXXX XXXX XXXX, after receiving the title twice from US Bank with correction requests, is unable to assist me further. They have confirmed that the onus lies solely with US Bank to initiate the final mailing of the title. 

Deception and Lack of Accountability : The entire experience has left me feeling deceived and powerless. The lack of accountability and transparency from US Bank representatives is deeply concerning. I demand immediate action to rectify this situation before my car is repossessed. 

Urgent Demands : Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been scammed, services not provided. I dont know how else to request help from cashapp. Ive requested a chargeback since i was charged and never received services promises. Im not even asking cashapp to reimburse me, im asking for them to not protect scammers, there should be a way to get a chargeback from people who steal money and dont deliver services. Ive tried to request the money back. Thats money i can use for gas. It is not okay for scammers to just get to walk away with money thats not earned. Please help. Ive already tried to dispute this with cashapp and they have not helped. I dont know how else to go about this
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 EXPERIAN XXXX XXXX XXXX XXXX XXXX THIS IS NOT MINE, THIS IS FRAUDELENT i, am a victim of identity and my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days.
Product: Credit card

Every month I have it set up to make auto payments for my minimum balance for as long as Ive had the card. I always keep money in it because I utilize the account as my savings account so theres always a nice lump sum of money I XXXX myself twice a week from my main account to this account to ensure that there is money. I have well over {$6000.00} in there and my minimum payment. It is only about {$200.00} yet every month Im hit with fees after fees. I dont use the card. The card has been locked almost the entire year. Ive been making payments every month however, I am suddenly getting hit with more and more charges to wear now it is now over the credit limit, and its becoming impossible to pay even with me paying lump sum and never missing any payments as well as never using the card. Because of this card, my credit score will not increase because every month Im being hit with additional fees and somehow late payments even though I have auto payment set up so there should be no issue. This is the only delinquent account that I have, even though its constantly being paid.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Trans union is reporting XXXX on my credit report also XXXX which XXXX erased because of 15 USC 1681 ( c ) 15USC 1692 ( f ) and 15 USC 1692 ( c ) cease and desist which should have gave the same results as the other bureau also XXXX is reporting a XXXX  XXXX which no long have a account with my credit account see attachment this needs to be removed immediately
Product: Credit reporting or other personal consumer reports

Filed a Identity report with the FTC. The person that has my information and has attempted to or have gotten credit issued on the following dates with the said companies. 

1. ) Care credit opened on XX/XX/XXXX. I was XXXX 

XXXX. ) XXXX XXXX opened XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX. I was XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX. ) XXXX XXXX inquiry on XX/XX/XXXX XXXX. ) Synchrony Financial on XX/XX/XXXX XXXX. ) SYNCB/LOWES on XX/XX/XXXX XXXX. ) Care credit on XX/XX/XXXX XXXX. ) XXXX XXXXXXXX on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Mr. Cooper home loans reported to credit bureau that my mortgage was 30 days late in XX/XX/2023. My mortgage payment was 28 days late and should not have been reported. Attempted to file a dispute but was not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting on this account are incorrect and inaccurate. I see dates which are incorrect and no proof or unverified. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Payday loan, title loan, personal loan, or advance loan

I have already paid {$1200.00} but they told me that I need to pay off the loan for {$2200.00} because the daily interest is XXXX by XX/XX/XXXX.
Product: Credit card

My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened  XXXX /2014  Details  Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, inquiries and inaccurate information are being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX GA XX/XX/2022 XXXX XXXX GA XX/XX/2022
Product: Checking or savings account

I opened a Platinum Checking and Money Market account with BMO Harris Bank ( Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) ( Phone : ( XXXX ) XXXX ) on XX/XX/2019. I completed the requirements of the ongoing promotion which said - 1. Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days a. Have a total of at least {$6000.00} in qualifying direct deposits. 
b. Enroll in BMO Digital Banking and set up paperless statements.

c. Make at least 10 qualifying electronic transactions.

2. Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

3. Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account While I got {$400.00} for the checking account but I did not get the promo money {$300.00} for point 2 ( Platinum Money market ) and point 3 above. When I enquired I got to know the banker applied promotion only for the Checking account and forgot to apply promotion for the Platinum Money Market account. Subsequently I had several communications ( telephonic and personal visit ) with the banker and the bran
ch manager at the branch. They agreed to their mistake and said besides me there were around 4 -5 more people affected.
They wrote to higher ups and are still awaiting an approval for manual payout since the promotion period had ended.

I also followed with online BMO customer care and they too accepted the mistake and regretted it. But told me that only the Branch where I opened the bank account can rectify the mistake and release the pending {$300.00} promotion amount.
Product: Credit card

TRANSUNION Account XXXX, Account Number XXXX This account does not belong to me and I am asking that it be removed from my credit report
Product: Checking or savings account

XX/XX/year> her name is XXXX XXXX somehow this person stolen XXXX from my account through pay anyone. Somehow she got into my account new everything my password and my username. I called and talked to chime representative and she said they would depute it but I never got my money back. Even though she said they would give it back. I received nothing. That was my rent money they scammed out of my account. Didnt heard anything back from chime kept trying to get money back they said I would get it back within 30 days I got nothing so Im not trusting any banks anymore their word was what I believed to this day I still received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. Here are the list of items that I need to REMOVED. 
XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax and XXXX regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.
Product: Credit reporting or other personal consumer reports

PayPal XXXX XXXX XXXX have engaged in anticompetitive behavior & claims an amount owed to them which is not valid & violates the Fair Credit Billing Act
Product: Checking or savings account

can you ask navy federal about this I'm trying to find the other email where they said they put a lien on my bank account and everything I tried to explain to act federal some one has access to my account. like the checks so called order with this account. like I'm still missing things. I don't know what there doing but they send me balances or withdrawals notice and they restricted everything. and these bill payments like they sent them out but I can view my account. like what's the status. now their gon na cause two bills to go negative again .I was told to wait. but worth things going on my deposit. they gave me credit my own credit deny me credit and then the matching principle of a cash deposit which I didn't recieved. like I got bills to pay so if their intent is not communicate restrict me but transaction still going threw I need my money remittances so I can to a different Bank. and make claim..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Information and Dark Web Activity Dear XXXX Customer Service, I am writing to formally request the removal of inaccurate information from my XXXX report and to address concerns regarding dark web activity associated with my personal information. My name is XXXX XXXX, and my Social Security Number is XXXX. My name is not XXXX XXXX as stated on my credit report. 

Inaccuracies Identified : Dark Web And Inaccurate Activities Dates From Other Credit Agencies Source : Transunion Details : Inaccurate Activity Dates And Dark Web Source : All 3 Credit Reporting Agencies XXXX, Transunion, XXXX Dark Web Activity Dark Web Activity : I have been notified of potential dark web activity involving my personal information, which raises significant concerns regarding identity theft and the security of my data. I request that you investigate this matter and take necessary actions to remove any related information from your records. 

Request for Removal : Given the inaccuracies and the potential implications of dark web exposure, I kindly request that you : Remove the inaccurate personal information and activities from my credit report immediately. 

Provide me with written confirmation of the actions taken regarding this request. 
Enclosed are copies of my identification and any relevant documents supporting my claims. I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe as required by the Fair Credit Reporting Act. 

Thank you for your assistance. 

XXXX, XXXX XXXX
Product: Student loan

This is not a new issue ; I only just realized that there are options to complain and try to obtain justice for the services. I'm in my current situation because the company has been dishonest from the start about repayment options and about the consolidation process. 
As of today, XX/XX/2018, I was re-enrolling in the Rate Reduction Program. I explained my new financial circumstances, including an account of all of my expenses and my income. Their response was to raise the amount I owe, even though I was technically enrolling in a RATE REDUCTION program. It was useless to use logic to explain how it doesn't make sense to request the amount they're asking for, in addition to increasing my payments, based on my income and expenses. At this point, I'm left have a high payment due each month, be unable to make this payment, and have my credit destroyed because they are not willing to negotiate a fair monthly payment. Making partial payments based on what I can afford is not good enough to them. I've consistently made all payments while in the program, so to be denied when I am truly in financial hardship is deplorable. If anyone can actually HELP I would appreciate it!
Product: Debt collection

TrueAccord has contacted me on behalf of XXXX, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.
Product: Student loan

I have been paying on my student loans for close to 15 years and I owe more today than I originally borrowed. I was told to request a forbearance or defer payments to make my account current without being told about the repercussions. They have also purposefully made my payment date a week after the due date and did not inform me of this issue until I noticed I had a large amount of late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Product: Credit card or prepaid card

ENHANCED RECOVERY COMPANY Last reported XX/XX/2022 {$130.00}
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX