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

On XX/XX/2019 I sent XXXX, Equifax Credit Information Services , Inc. and XXXX certified letters disputing a bankruptcy listed on my credit file. XXXX   has deleted this information off of my personal credit report. Equifax and XXXX has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the information listed on my credit report regarding the account associated with XXXX XXXX XXXX XXXX ( XXXX ). After thorough review and consultation, I have determined that the reported information is incorrect, fraudulent, and in direct violation of federal statutes. 

Pursuant to the Internal Revenue Code ( IRC ) 6050P, creditors who discharge {$600.00} or more of debt are required to file a Form 1099-C with the IRS and provide a copy to the debtor. To date, I have not received a Form 1099-C for this account. This failure to comply indicates that XXXX claimed a tax benefit without fulfilling their legal obligation to notify me, which constitutes fraudulent and deceptive behavior. 

Furthermore, this omission violates the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate and incomplete information to remain on my credit report. Reporting such false information to the IRS is a severe offense and exposes the reporting party to significant penalties. 

In addition to fraudulent reporting, the attached documents demonstrate a clear violation of the postal rule on the part of XXXX, further compounding their unlawful actions. Such negligence and failure to adhere to statutory requirements subject XXXX to liability for statutory damages under federal law. 

Unless this matter is promptly resolved by removing the inaccurate and fraudulent information from my credit report, I will pursue all legal remedies available to me. This includes filing a lawsuit for fraud and seeking statutory damages as allowed under federal law. 

I request that the inaccurate information be immediately corrected or removed. Please conduct a full investigation and provide me with the results of your findings. Enclosed are copies of supporting documentation, including evidence of XXXX  postal rule violation and related account records. 

I expect a written response to this dispute within the timeframe required by law, as specified in the FCRA. Failure to comply with this request will leave me no choice but to escalate this matter through legal and regulatory channels.
Product: Checking or savings account

I am an NJ attorney representing the Estate of XXXX XXXX XXXX ( # XXXX XXXX XXXX Probate ). On XX/XX/year> we subpoenaed Bank of America to provide the Decedent 's bank account records so we could properly administer this estate and complete the correct tax filings. The accounts in question of XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but these statements for these accounts were not returned to us. These accounts could be in Social Security numbers XXXX XXXX XXXX or ssn XXXX XXXX XXXX or ssn XXXX XXXX XXXX BUT ALL THESE ACCOUNTS ARE IN DECEDENT 'S NAME AND SHE DREW CHECKS ON THEM ALL. I CAN PROVIDE THE SUBPOENA. WE INSIST THAT Bank of America immediately respond to our subpoena and tender statements for all these accounts.
Product: Vehicle loan or lease

Mercades benz financial has sent someone in the middle of the night to repo my car, they violated my rights below along with the repo company. 

Violations Cited : False and Misleading Information : According to 15 USC 1611, providing false or misleading information about the cost or terms of credit is illegal. I believe there were inaccuracies and/or misleading information provided at the time of signing the lease agreement, specifically related to the sum of all charges, including undisclosed insurance fees and other fraudulent transactions. 

Failure to Disclose Terms : Under the Truth in Lending Act ( TILA ), there were violations regarding the proper disclosure of finance charges and terms, constituting fraud. 

Illegal Repossession : Under 15 USC 1692 ( a ) and ( f ), it is illegal to repossess property through non-judicial actions not ordered by a court or judge. The recent repossession of my vehicle was not sanctioned by any court order, making it unlawful. Furthermore, I conducted business with Mercedes-Benz , not the tow company that took my property without legal grounds, constituting a breach of peace and unauthorized repossession. 

Invasion of Privacy and Identity Theft : As per 15 USC 6802 ( a ) and ( c ), disclosing personal information to a non-affiliated third party without written consent or without providing a clear opt-out option is prohibited. There was no written authorization from me to disclose my information to the third-party tow company, which constitutes an invasion of privacy and identity theft. 

Unfair, Deceptive, or Abusive Acts or Practices : There have been violations of sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) regarding prohibitions on engaging in unfair, deceptive, or abusive acts or practices when repossessing vehicles. The actions taken by your company in repossessing my vehicle fall under these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing an erroneous " new '' late payment in the last 60 days ( XXXX XXXX ). I contacted the creditor, and they assured me the last time the account was updated was in 2016 ( almost four years ago ). So I checked the account standing on Experian 's website and sure enough, that also shows the last update to the account was in XX/XX/2016. However last month, this " new late payment '' appears under my alerts, accompanied by a 23 point dip in my score. I tried for hours to get a live person on the phone, never getting past Experian 's maze of automated options that deliberately land you at a dead end no matter which option you select. After filing a dispute and waiting nearly three weeks, the issue seemed to resolve as the " new late payment '' disappeared, and my score recovered. Now here I am, less than a month later and the same things is happening all over again. Experain is showing a " new '' " late payment in the last 60 days '' ( on the same account as before, with XXXX XXXX ), my score fell by 23 points, and I still can't reach anyone by phone in spite of a half dozen attempts. This is illegal false reporting by Experian.
Product: Vehicle loan or lease

I view and pay my bill online. The online system always showed my correct payment amount and that 's what I would pay. I decided to review my recent statement online when I noticed the total due was {$50.00} more than what was showing due online. I call to get a better understanding of what was going on. I was informed that when I first purchased the vehicle my 1st monthly payment would be deferred. Well apparently Hyundai Finance charged a NSF Fee of {$25.00}. I paid that at the time not realizing what the fee was for. Well now it 's happened again for the tune of {$50.00}. I call back and explain the only time I make a payment is online and it 's a one time payment. Not once has a payment been returned. I guess this is normal business practice for the mob. When buying the vehicle I had other lenders to choose from but figured that since Hyundai manufactures the vehicle they would be more streamlined in the financing of them. If you 're buying a new Hyundai and wonder how they get the MSRP down well now you know. It 's coming from the mob style tactics they use on the financing end of things.
Product: Mortgage

we calle d Wells Fargo to  get a payoff in full amount to pay of the mortgage, paid it off on Tuesday  X/XX/17    to get a phone call from them telling us it was about   XXXX short!!!! !!!   Then we pay that and they charge a fee!!!!!!!!!! of  XXXX !   we are so glad to be done with this horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full ; however, XXXX XXXX/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Product: Checking or savings account

1. I opened a Chime checking and saving account online https : //www.chime.com/ around XXXX. I used the account without any problem for a while 2. XX/XX/2020, I notified that Chime suspended my account when I tried to log in 3. On XX/XX/2020, I called the customer service number at XXXX to understand what happened. They couldn't resolve my problem and asked me email my issue to XXXX and XXXX 4. On XX/XX/2020, I emailed XXXX and XXXX with all required documentation : copy of both front and back driver license ID picture of me holding my driver license XXXX  XXXX XXXX  statement XXXX  XXXX  statement Utility statement XXXX bank statement Written explanation of last few transaction 5. On XX/XX/2020. Chime emailed me that I violated their Deposit Account Agreement Section ( I ) ( C ) ( 9 ). I read through and I did not violate any one of the agreement. 
Here is the copy of XX/XX/2020 message from Chime ********** copy begin ******** Hi XXXX, We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after.

Kind regards, XXXX Chime Member Services **XXXX. copy end XXXX Chime has most of my cash and I could not really use it. Chime closed my account and I could not reach out to any one at Chime. Can you help take a look at this case to make sure Chime is not discriminating customers like me? How can a bank suspend a customer 's account without providing customer service access? What can I do now as I could not use the majority of my family cash to pay for bills during the pandemic and holiday seasons for 20+ days?
Product: Credit card

Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer.
Product: Debt collection

XXXX is reporting a collection that i have no acknowledged of, ive sent letters and FTC reports and police reports. the company is stating that the account is " Verified as Accurate '' but have not provide any documents showing that the account is " mines '
Product: Credit card or prepaid card

XX/XX/XXXX, I was called by Banana Republic  to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX  XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.
Product: Debt collection

After carefully reviewing my recent credit report, I found a fraudulent account that I believe is incorrect and was added without my knowledge.
Product: Credit card

I was emailed a promotional offer from US Bank to establish an Extend Pay option on my purchases with my XXXX Credit Card. I meet the parameters of the promotion but when I attempt to initiate the Extend Pay feature online, it rejects me as it claims I do not have a valid email address which is false as I received the offer through email in the first place. I have called the card service reps and they have submitted a ticket for their IT department but I have not heard back from them. As of today I am still trying to establish the Extend Pay feature on my purchases but I still receive the same error message.
Product: Credit reporting or other personal consumer reports

My information was apparently sold and bought illegally because I was a victim of a XXXX XXXX BREACH. I am requesting to have these items DELETED from my credit reports effective immediately. I am attaching a letter displaying proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to resolve the matter to date. Please help me delete these illegal and fraudulant accounts from my credit reports that are attached below in this message : VERIFIABLE XXXX DATA BREACH CLAIM # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX BANK ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX -ORIGINAL CREDITOR : ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX LAST ACTIVE : XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX POWERED BY XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, i sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OHIO XXXX XXXX, XXXX AND EQUIFAX FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit card

I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program. 
Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank. 
Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report : XXXX ( NO ACCOUNT NAME ), XXXX XXXX. Inquiries : XXXX XXXX & XXXX I have contacted my local police and the FTC. I am doing this on my behalf.