23daVinci/CFPB_Complaints huggingface dataset:
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 ( 5 ), 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  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX
Product: Checking or savings account

The company cash app provided by XXXX XXXX  sent me a direct deposit from XXXX of XXXX $ I was supposed to get XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain Credit.
Product: Credit reporting or other personal consumer reports

This is my first requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get a collections account that is not mine removed from my report. I requested to have it verified and it still remains on my account. I was givin no information as to why. I want experian to verify an account for me but they wont let me dispute it. 
I want thems to verify the following 3 things : A copy of the origional application that shows my signature, The full payment history from the origional creditor, and the origional agreement showing they can legally collect debt. The account is not mine so im quite confident they wont be able to provide any that. If they cant I want experian to remove it immidetly. 

On my experian report the account shows Is under the name XXXX XXXX XXXX. The account number im being shown XXXX. it doesnt show the last 3. it says the balance is {$1000.00}. I have never heard of XXXX XXXX XXXX and have never had an account with them.
Product: Vehicle loan or lease

XXXXXXXX XXXX online payment for {$370.00} sent XX/XX/29 to Ally Financial, transaction code - XXXX to be applied to account. Payment should have posted XXXX. Getting late notifications. I have called almost every day with no resolution. I have also faxed Ally a copy of bank statement showing payment deduction. The response is always sorry and someone will call me back. No one ever calls and payment continues to show pass due. They say payment has been misapplied but no one seems to really follow through. I would like payment properly applied to account with late fee and additional interest charges reversed.
Product: Debt collection

On Monday, XX/XX/2021, a man driving a tow truck stole my private automobile from my abode. He stated that he works for XX/XX/XXXX which he claimed received a repossession order from CHASE AUTO on XX/XX/2021. Despite CHASE not having a lien on the property and my spouse and me having a lien and paramount security interest over the automobile, the man left with my property. He made a police report with the CITY OF XX/XX/XXXX police department and we were denied several attempts to report the theft because of XX/XX/XXXX repo report. I have initiated and exhausted private administrative remedies with the
Product: Credit reporting

EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This appears to be a XXXX XXXX credit card account. I have reported to Equifax that is account has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. 

How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?
Product: Vehicle loan or lease

In XX/XX/2020 I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I completed the paperwork for this truck, which included financing through Toyota Financial Services ( TFS ). The truck was located at a different dealership and I was told that I could take ownership of the truck the next day. However, the other dealership sold my truck to someone else later the same evening as my purchase. 

XXXX XXXX XXXX was eventually able to locate another truck with similar specifications and I purchased that truck the following week. Similar to the first truck, I used TFS to finance the purchase. 

I refinanced my loan through XXXX XXXX XXXX XXXX ( XXXX ) once I received the first statement. However, following the refinancing I kept getting statements from TFS. Upon some research I determined that the dealership had never canceled the loan for the original truck that I did not take ownership of and I actually refinanced the loan for the truck that they sold to someone else. 

I have been working with the dealership and TFS for about 4 months to try to resolve this issue. However, I now somehow have three loans through TFS for XXXX  a XXXX XXXX  in addition to the only valid loan through XXXX. I have spent hours on the phone with the dealership and TFS. TFS has hurt my credit rating by reported the loan as delinquent and put my security clearance at risk. 

I feel that I have been too patient for them to correct their error. TFS has failed twice this week to follow-up as promised. Ultimately, I feel like I need to reach out for help now that their lack of effort to fix the situation is potentially threatening my career.
Product: Student loan

MOHELA placed an administrative forbearance on my account that I did not request from XX/XX/year> to XX/XX/year>. I originally had a payment scheduled at the end of XX/XX/year> but could not complete it because they were transitioning online website platforms and adjusted my new payment due to XX/XX/year>. MOHELA assured me that since this was an administrative forbearance that I did not personally request and because I could not physically make a payment that XXXX and XX/XX/year> payments would count towards XXXX. XXXX and XXXX were my last XXXX payments to get to XXXX for loan discharge. Student Aid incorrectly classified the time spent in this unrequested forbearance for the XXXX and XX/XX/year> payments as ineligible on XX/XX/year>. I have tried numerous times to contact MOHELA about this issue to no avail. I have even filed a complaint with Better Business Bureau. I need help me with this issue. It is unnecessarily delaying the initiation of my loan discharge. This issue is not just affecting me but many others who MOHELA placed in an administrative forbearance for XXXX and XX/XX/year>. This issue needs escalation on behalf of the many borrowers who are negatively impacted by this error.
Product: Credit reporting or other personal consumer reports

I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ), ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) , XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX ( 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: Debt collection

I am a senior citizen Fraud identity theft victim where my name adress social security number was stolen used to create fraud account with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX notified there collectiobs agency Credit Management L.P. Whom Harrased me for {$1400.00} If which I do Not owe XXXX XXXX  since. My identity was stolen used to open create a FRAUD Account with XXXX there Harrasing me of a innocent senior of ID Theft is uncalled for I have been Harrased as a victim by credit Management L.P whom told me this was a FEAUD Account on XX/XX/2020 finally received a letter from. Credit Management LP awknowledgung I am not responsible of {$1400.00} as this was s Fraud account dated XX/XX/2020 closing account & not reporting it to the credit bureau
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Recurring ACH Debit Dear Sir/Madam, I am writing to formally file a complaint regarding an unauthorized recurring ACH debit from my bank account. Despite multiple attempts to resolve this issue with my bank, TRuist, they have not taken appropriate actions to address my concerns. 

The details of the unauthorized transaction are as follows : - Transaction Amount : {$38.00} - Monthly - Most Recent Occurrence of the XXXX - Bank Account Number : XXXX I have contacted the bank multiple times stating that I did not authorize these charges. Despite my clear request for them to stop this recurring debit and issue a credit for the unauthorized transactions, my request has been repeatedly ignored or denied. 

I request the Consumer Financial Protection Bureau to : XXXX. Investigate the unauthorized XXXX transactions debited from my account. 
XXXX. Ensure that [ Bank Name ] stops any further unauthorized debits immediately. 
XXXX. Secure a refund of all unauthorized charges debited from my account, totaling [ Total Amount Disputed ]. 
XXXX. Investigate the practices of [ Bank Name ] in handling such disputes. 

I trust that the Consumer Financial Protection Bureau will take prompt action on this matter. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Please make sure to replace the placeholders with your specific details. Also, it's advisable to send this letter via certified mail or another trackable method to ensure it is received and to keep a copy for your records.
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 XXXXXXXX : XXXX XXXX, XXXX CARD : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX BANK : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, 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: Consumer Loan

Payday loa lenders trap people with high interest rates and will not work out anyways to help the consumer. They would rather have the consumer over draft and be unable to pay loans. I would like to revoke authorization to my account because I have had fraud to my bank account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

I booked airline travel through Chase 's travel portal on XXXX, XX/XX/XXXX. 

I had to cancel this airline travel, and on XXXX, XX/XX/XXXX was informed that I had received travel credits with the following stipulations : * Your credit is valid for air travel on XXXX XXXX XXXX only. 
* Your new travel must be completed on or before XX/XX/XXXX. 
* You must travel with the same passengers as your original flight to book using your credit online. 
* XXXX  payments can not be deducted from the credit value and must be paid for using your credit card. 
* If you have a credit leftover after rebooking, some airlines will issue a credit for future travel or a refund. If the airline policy does not allow for a refund, any remaining credit will be forfeited. 

I have been trying to use the travel credit, and believe that I am operating within the stipulations laid out by Chase, but the following issues arise : XXXX ) When I navigate to 'use my travel credit ' on the Chase travel portal, no matter what dates and origin/destination cities I add to the web form, it always says that no flights can be found that meet the criteria. I have tried this XXXX  times over the span of XXXX weeks and I have never been able to see any flights on this form. 

I believed this might have been a bug, so I called Chase on XX/XX/XXXX and spent nearly an XXXX  explaining the situation with a representative. They said they were able to see flights valid for me to book, and that I must be experiencing a bug. I clarified the stipulations I listed above, and they told me that they were correct. I verified that, although I was searching for flights that met these stipulations, nothing was showing up for me. They asked me to wait for some time, keep trying the web form, and to call back if the issue was still occurring ; they would attempt to book a valid flight on my behalf so I would not lose my travel credit. 

XXXX ) When I called back on XX/XX/XXXX to ask a Chase travel representative to book a flight on my behalf due to continuation of the aforementioned issues, they told me that I would only be able to use my travel credit to the same origin and destination cities. This was never represented to me before, and was not part of the list of stipulations given to me by Chase XXXX when I canceled the original flight, and was also not represented to me by Chase XXXX support when I called them frustrated that I was not able to find any way to actually use the travel credit they had claimed to have given me. 


Overall, I believe Chase is knowingly misrepresenting the conditions for using travel credits in order to profit from consumers. I paid them my money because I believed they would have my back if circumstances arose, but when I tried to operate within the parameters they gave me, they were unable or unwilling to meet their promises. They told me XXXX thing, and then operated under different rules when I tried in good faith to follow their stipulations, and now I am likely to completely lose the roughly XXXX and XXXX  hours of time and frustration trying to understand and rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my numerous 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. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I have open a bank account a couple of weeks ago and they are telling me mixed up questions on checking my identity they have frozen my account cause they said I do n't have the proper requirements to close my account I have said several times to the manager every time I go to the bank that I have seen my exboyfriend from  XXXX  New Jersey around that bank area. I have showed the manager my state indentation, social security card, my birth certificate and a letter from the hotel I have been residing at he has told me still I ca n't close my bank account with that type of address he is now saying I need a physical address to close my account
Product: Checking or savings account

I am a victim of fraud by someone who used a fake XXXX account to sell tickets to XXXX XXXX in XXXX. I used XXXX through my Northwest Bank account. I do understand I agreed to the transactions, but only before I found out I was being scammed. I sent {$1200.00} total and filed a police report with XXXX XXXX XXXX XXXX. I immediately contacted Northwest Bank and filed a dispute. Northwest has denied my dispute and I contacted XXXX directly they would not reimburse. This was a complete scam and the money was sent to someone who I thought I knew and turns out she was hacked and wasn't aware of this. The dates and amounts I sent via XXXX to a XXXX XXXX are as follows : XX/XX/2023 {$100.00} XX/XX/2023 {$100.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} After the last transaction I didn't receive the tickets, which the person sent a screen shot of them. I reached out several times and called directly and she had no idea she was hacked and that someone was using her hacked profile to sell concert tickets. This has been an eye opening experience into the fraud that happens online. The police said there is not a likely chance they will be brought to justice. It very upsetting this has happened to me. Thank you for looking into this for me. It is greatly appreciated.