23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.
Product: Credit card or prepaid card

I was sent a bill from Discover Bank to pay. I sent them an AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM letter. 
Discover has NOT responded and Discover is well-aware that silence is acquiescence.

Discover does NOT have a contract with me.

Discover did NOT provide the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Discover is reporting their fraudulent/unverified account to my credit files.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries, they are fraudulent and unauthorized.
Product: Credit card

This what not me who made this inquiry this is fraudulent and I want it removed
Product: Checking or savings account

About XXXX XXXX, I received an email from Citizens Bank congratulating me on opening an account at that bank. I DID NOT open an account with Citizens Bank. Another email informed me that funds to establish the account at Citizens would be transferred from a XXXX XXXX  account. I DO NOT HAVE a XXXX  account. I called the local Citizens branch and spoke with someone there who assured me the account information would be purged. I received a subsequent email telling me the new Citizens account could not be funded. ( Obviously since I do not have a XXXX account from which funds were to be transferred! ) About XXXX XXXX, XXXX, I received a credit card from Citizens with a credit limit of {$9000.00}. I DID NOT apply for a Citizens credit card. Again, I called Citizens. The credit card account was subsequently closed, according to a letter I received from Citizens. 
I fear there may be more of these fraudulent assaults on my financial status.
Product: Credit reporting or other personal consumer reports

I am requesting immediate corrective action to remove student loan debt from my account, I have been disputing this issue for about a year, as XXXX and XXXX union violates federal law and my rights as a consumer and they never mailed me any proof after there investigation was done to prove that is was a legitimate debt
Product: Credit reporting or other personal consumer reports

Dear sir/mam My information was sold and bought illegally because I was a victim of the Equifax Breach . I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX
Product: Debt collection

Subject : Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against I.C. SYSTEM, INC, on behalf of XXXX XXXX XXXX, regarding an account that was improperly placed in collections. 
I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. I also, do not believe I owe the remaining amount. 
I request that XXXX XXXX XXXX  and its agents immediately cease and desist all collection activities related to this account, including any actions that has been threaten. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed anyone to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Checking or savings account

XXXX all assets approximately {$8000.00} were frozen leaving me no way to pay for gas or food
Product: Credit reporting

XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balannce : {$410.00} XXXX  XXXX Balance {$580.00} XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA THAT THE 3 BUREAU required by law to remove any account which is found to be opened due to identity theft.
Product: Credit card or prepaid card

A XXXX  XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. You have 3 accounts that are both in dispute because they are not mine and I am demanding verification and validation of debt. PROVE THIS IS MINE. The balances are XXXX XXXX and XXXX. You are reporting the same balance under a different name on my XXXX report.
Product: Credit reporting or other personal consumer reports

Remove reported accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/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

I have asked these companies to move these things off of my credit report. I did not live in XXXX XXXX I only lived in Washington DC
Product: Debt collection

XX/XX/XXXX Called Money Lion to pay debt they said I owed nothing Stated I needed a letter not email stating paid debt off. They sent a email XX/XX/XXXX XXXX XXXX Agent asked me to look at my XXXX emails to see where debt was sold. I found email and called number listed. They stated money lion bought back the debt. 
XX/XX/XXXX I called to advise and asked to speak to a supervisor. They said they will call me. 
XX/XX/XXXX called again, they stated they will call me. 
XX/XX/XXXX still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX 7476**Balance Owed : {$2500.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX / XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Reporting of XXXX  Financing Statement Follow-up to CFPB Complaint Dear Equifax Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the XXXX  Financing Statement I submitted is not currently reporting on my Equifax credit file.

To clarify, this XXXX  Financing Statement is a public record filed with the XXXX  XXXX XXXX XXXX under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial XXXX Financing Statement filed on XX/XX/XXXX. 


XXXX. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


XXXX. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record. 

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that Equifax will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX  Financing Statement ( Initial Filing and Amendments ) -- -
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes. Especially in light of the recent CFPB lawsuit highlighting issues with the platform. Despite me using ZELLE numerous times and reporting my discrepancies my bank and Zelle failed to investigate my claims properly. They informed me that recovering my lost funds were impossible and tracking these transactions were not an option and couldnt be done.
Product: Mortgage

I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {$5400.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today to seek assistance in disputing the following hard inquiries on my Equifax Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Equifax directly. Equifax has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

1. Firm offer of Credit 2. Insurance 3. Employment 4. Court Order The following XXXX ( XXXX ) credit inquiries are related to none of the aforementioned permissible. 

- 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 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  Please assist me in coordinating with Equifax to see these inquiries removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

FIRST, & LAST NAME ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  balance {$940.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter.
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- XXXX XXXX XXXX XXXX  # 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 has violated my rights. 

15 U.S.C 1681 Section 602 A-states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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 r4eport by more than seven years.

15 U.S.C 1681 a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was presented on XXXX XXXX. The loan company is OneMain Financial. All activity was online. The loan was taken out XX/XX/21. The interest is well over 20 % and the payment is higher than my mortgage principal. The payment is approximately {$340.00} monthly plus a {$5.00} ( approximated late charge if the payment is late ). They are calling me 3-5 times a day which is causing my XXXX  to stay elevated and XXXX rate elevated. There should be a in person interview and a limit on interest rates. Thank you.
Product: Mortgage

Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, XXXX XXXX XXXX
Product: Debt collection

Im XXXX XXXX and have a PayPal account thats Ive not used in years. I get a call recently that I owe {$300.00} + for an XXXX account I never setup, My email, XXXX, XXXX, PayPal, and Venmo accounts were all hacked. Reinstated my email but cant access PayPal or Venmo anymore. The debit is already in collection and Id like to resolve this. Thank You.