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

On XX/XX/XXXX I purchased a car for {$11000.00} at XXXX XXXX XXXX in XXXX, Illinois. I put down a deposit of {$2200.00}. The car had XXXX miles on it. 
I paid an exorbitant price for the car for the sole purpose of improving my credit rating. The salesgirl told me that my payment history would be sent to all three credit bureaus. At the time, there were many inaccuracies in my credit rating. 
Since then, I have never been late on a payment. I cleared up all 19 inaccuracies on my credit reports. However, the finance company is only reporting to XXXX  and refuses to report my credit history to either of the other agencies. 
On XX/XX/XXXX I called the finance company , Drive Now Acceptance LLC. I explained the circumstances to the representative. I requested that they report my ( perfect ) credit to XXXX and XXXX. The representative refused. 
Additionally, since my purchase, I have been diagnosed with a XXXX XXXX and XXXX and have had to stop working. My XXXX income and an early pension ( which will go down to almost nothing in four years ) only come to $ XXXX/month. I would like to trade down for a smaller car with smaller payments. Drive Now also refused to discuss that. 
On XX/XX/XXXX I spoke with someone from your agency and she suggested I file a complaint. 
I really hope you can help me with this. I need to sell my house and rent due to my financial circumstances but I can not pass a credit check by a potential landlord until my credit is reported to all three bureaus and no longer reads " unknown ''. 
The car was purchased at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Their phone number is XXXX. 
The finance company is Drive Now Acceptance LLC, located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. 
I still owe approximately {$6000.00} on the car because of the incredibly high interest rate. Please help me. I can't get a credit card or rent an apartment because Drive Now went back on the salesgirl 's promise to report my credit to the three credit bureaus. I have literally gone without food just to stay current on my $ XXXX monthly car payments. I don't have any family to help me out. 
Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why XXXX accounts which under the names of the account is written in green " XXXX granted '', while the remaing ( XXXX ) accounts displayed " XXXX blocked '' ( which was what I requested. I attempted to contact XXXX on XXXX occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the dark web as well. I sent XXXX ( XXXX ) emails to XXXX, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these XXXX accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXXXXXX XXXX I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe XXXX accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why XXXX accounts XXXX  XXXX ( I can't tell if it's my Platinum account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXX 's showing as a account on XXXX report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting accounts
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1600.00}
Product: Checking or savings account

XX/XX/XXXX On or about XXXX I made a deposit at M & T Bank on XXXX XXXX XXXX in XXXX XXXX XXXX. the amount of the check was XXXX from my pension plan. Check # XXXX drawn on XXXX XXXX XXXX XXXX. ( disbursement account ) after signing the usual documents ( personal information etc ) This account was deposited to my checking account with M & T Bank. When I got my first statement I was surprised to find my check deposit documented as a cash deposit ( instead of a Check Deposit ) about weeks I contacted the bank and came into see why this occurred. I was told by then branch manager this was not an issue because it is documented as a " trust fund '' .I immediately disagreed and again asked that my documentation of the transaction deposit of these funds be corrected. She refused. Later in the year, I wrote the bank again about my concern, that my account appeared to be a large cash deposit ( which it was-in a check ) It took me several months before I got an answer-sort of. I received a brief note stating M & T Bank could not change transaction but was sending me a copy of the check deposited to them This would not be a CHANGE but a CORRECTION.. Also they claimed I didn't open this account until XXXX, also not true. I asked for documentation ( via letter XXXX ) never got a response. ( there may be a another reason why for that ) At any rate I am in need of honest reporting of my deposits ( other deposit fail to identify the source of my deposit as well. MT has been extremely uncooperative in not granting me something that should have been documented appropriately in the first place. Visited a XXXX XXXX -- XXXX XXXX, because I had l misplaced my ATM card- I mentioned my issue about the inappropriate documentation at that time ( at another branch ) and she was of no assistance either. Telephone contacts have been cordial and response to my online inquiries have been the same. I need for M & T to make me understand why my deposit is documented the way it is. There are accountable issues that may require professional accounting and I am not able to access my account. now!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores frequently via XXXX XXXX and noticed a few days ago a significant drop on my XXXX score - +30 points drop. I filed a complaint with XXXX and quickly got a reply that the {$59.00} dollar amount with a Florida collections agency representing XXXX was erroneous and was supposed removed. 

I'm checking my scores now and the drop is still on my XXXX report. 

This erroneous " collection '' has damaged my credit for NO REASON. 

What recourse do I have? 

Current File File Number : XXXX Report Date : XX/XX/2020 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thanks! XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I in error used XXXX XXXX online application system to transfer XXXX XXXXXXXX from my checking account at Bank of America to a closed savings account at XXXX XXXX XXXX XXXX rejected the transfer on XX/XX/2022. I was told by an XXXX XXXX representative that their rejection would automatically send the XXXX XXXX  back to Bank of America to be credited to my checking account. Not having had my checking account credited for the XXXX XXXX I have been calling both banks. Each time my call is routed to a different call center and I get a different explanation as to what will happen when. It appears that my XXXX XXXXXXXX has vanished and this should not be case. Please help me get my XXXX XXXXXXXX back.
Product: Vehicle loan or lease

Honda financial representative named XXXX said if i didnt make a payment that night that Honda was going to tow my car. I have three payments left. I told my local Honda dealership XXXX XXXX XXXX XXXX Pennsylvania I felt like I had a gun to my head he was unethical and it caused me great fear and anxiety XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified collection account and unverified accounts on my credit report as well as inquiries. Ive disputed since XXXX of last year and everytime theyve said its verified as accurate with NO PROOF. Thats in violation of the FCRA and my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX Maryland XXXX XX/XX/25 XXXX XXXX XXXX XXXX XXXX TX XXXX Request to Remove Unauthorized or Unverified Inquiries from My Credit Report Dear XXXX, I am writing to dispute certain inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and legitimacy of the information reported about me. Specifically, I am invoking the following statutes : 1. 15 U.S.C. 1681b ( 2 ) : This statute outlines permissible purposes for accessing a consumer 's credit report. An inquiry can only be made if there is proper authorization from the consumer.

2. 15 U.S.C. 1681 ( 9 ) : This Section ensures that the credit inquiries and information reported must have a clear and valid basis. 

3. 15U.S.C. 1681c-2 : This provision allows for the blocking of inaccurate or fraudulent information resulting from identity theft. 

After reviewing my credit report, I found the following inquiries that I do not recognize and/or did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request that XXXX  provide verification of the permissible purpose for each of these inquiries, including documented evidence of my consent. If you are unable to provide such evidence, I request the immediate deletion of these inquiries from my credit report as they are in violation of the above cited statues. 

In accordance with the FCRA, please complete this investigation within the legally required 30 day period and provide me with written confirmation of the results. If these inquiries are not addressed or removed, I will consider pursuing further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to response. 

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

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.
Product: Credit card

1. Incorrect payment application 2. Deceptive advertising 3. Fraudulent / incorrect 4. Incorrect amortization of finance charges ongoing 5. Disregard for basic Truth In Lending Statutes 6. Misleading statements 7. Inability to access promotional charges through online interface I made multiple special financing purchases through my Amazon Prime Store Card which is provided by Synchrony Bank and serviced by Synchrony bank. 

During the course of these promotional periods, I also made normal routine purchases on my Amazon Prime Store Card. 

I have repeatedly had to message in, every month pretty much, to what I need to pay in order to avoid interest charges. I also have to request that it be applied in a way that avoids interest on my non-promotional charges. They have no way of doing this online or through the statement. On my 2 most recent statements ( XXXX 2017, XXXX 2017 ) in addition to at least 1 prior statement, I noticed that Amazon had ( without my knowledge or consent ) changed a very substantial amount of my special financing. I was not given an option to accept or decline this change, nor was I made aware of any finance charge implications or overall cost of financing. In addition, under my activity tab in my co-branded Synchrony Bank ( Amazon ) account - the system has not been able to show me my promotional balances and my statements have been incorrect and the numerous agents I 've chatted with have all told me different amounts and stories about the interest and what has happened with the account. I believe this is a systemic problem within Synchrony Bank servicing and procedure and I 'm left confused and feeling there is n't any real adherence to Truth In Lending Act or the Card Act for the matter. I am now ready to hire an attorney and seek out a class action lawsuit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by Equifax. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, Equifax and XXXX to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, Equifax and XXXX has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that Equifax and XXXX rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.
Product: Credit card or prepaid card

I previously filed complaint XXXX on the fact that Capital One had incorrectly attempted to use a XXXX XXXX  XXXX Account XXXX which I no longer have and have not had for several years ) to pay my Capital One XXXX XXXX XXXX Following the original complaint, Capital one unrestricted my venture card account. However, during this time they also froze my XXXX account ( ending in XXXX ). When I called in after the my venture card was unfrozen the bank told me it would be 3 or 4 days and then the XXXX would be opened. That was several weeks ago and when I called in today, the fraud team said I needed to provide the same documentation that had been requested for my XXXX XXXX  ( which I never provided as I don't have the account ). The fraud team that I was directed to has been rude and unhelpful. They don't even try to resolve these issues. It is ridiculous that the bank is allowed to treat its customers in this manner. I request that my XXXX ( which is fully paid and has had no issues ) be unrestricted immediately.
Product: Checking or savings account

I tried to withdraw money from my account and was charged a withdrawal charge. I was charged a total of XXXX for 5 attempts. Holy XXXX, I got XXXX. They XXXX XXXX me because I wasn't sure how much I would be XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 
15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. 
The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. 
The term person means a natural person or an organization. 
By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. 
I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for.