23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received an offer in the mail for a loan and applied. When I was approved it stated the {$600.00} loan would have a {$400.00} interest fee. I believed I would have to pay {$1000.00} total. The company does not disclose the full terms of the loan until after the contract is signed and the first payment due. After making payments and attempting to work with them, I have found that despite paying them over {$800.00}, they still claim I owe {$1400.00}. I have also learned these loans are illegal in the state of Florida but this company tries to claim immunity under tribal law, despite a 2014 ruling that tribal lenders are still under the rule of the FTC regarding payday and installment lending. I want the account closed as I have more than PAID IN FULL the amount borrowed and legal interest.
Product: Credit card or prepaid card

First wells fargo sent me a denial letter. Upon calling to inquire they asked me for a copy of my social security and bank statements, upon providing that and calling them the representative told me because i am mot a US citizen i cant get the credit card. I have a good credit history and lots of other companies have offered me credit total of almost 9000 $ not even one late payment. After waiting and wasting so much time they told me you are not eligible because you are not a citizen or permanent resident which makes me really upset. I hace been living here for 5 years which makes me a resident of state of texas. If that was the case why they dont have it in writing where they ask for country of citizenship while applying. Looking for your kind cooperation kindly help me. They also have a hard inquiry which will effect my credit score as they are denying.
Product: Vehicle loan or lease

HYUNDAI, THIS IS MY LAST AND FINAL REQUEST FOR YOUR COMPANY TO PROVIDE ME WITH THE CORRECT DOCUMENTATION I AM REQUESTING THIS IS THE SECOND TIME YOUR COMPANY HAVE SENT THE CONTRACT WHEN WE HAVE REQUESTED A COPY OF THE APPLICATION THAT WAS SUBMTTED FOR APPROVAL AND FINANCING THAT WAS FILLED OUT AT THE DEALERSHIP AND SUBMITTED TOY HYUNDAI THAT SHOWS XXXX XXXX MONTHLY INCOME EACH TIME YOUR COMPANY HAS SENT THE CONTRACT. WE NEED THE APPLICATION FOR SOME REASON HYUNDAI AND XXXX HYUNDAI HAVE BEEN DODGING NOT SENDING THAT APPLICATION FOR CREDIT, IF WE DONT GET A COPY OF THE APPLICATION I WILL ASK THE STATE ATTORNEY GENERAL TO STEP IN AND ASSSIT. FOR SOME REASON NEITHER PARTY WANT THAT APPLICATION REVEALED. THIS IS OUR LAST REQUEST TO ASK FOR A COPY OF THE APPLICATION, APPLICATION, APPLICATION, NOT CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of Suntrust Bank beginning in XXXX. During the Suntrust Bank to Truist XXXX acquisition my payments to my credit card did not post. I have paid online and on time since XXXX, but Suntrust now Truist does not show a payment between XX/XX/XXXX and XX/XX/XXXX and has reflected on my credit reports. 

I contacted Suntrust Bank, now Truist to resolve this issue, I was given credit card case number XXXX on XX/XX/XXXX. I made a follow up call to the bank XX/XX/XXXX and the representative stating he could not locate the case number. Suntrust/Truist Bank had amble time to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, XXXX  and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record. 

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.
Product: Debt collection

I am filing this complaint regarding an inaccurate and unauthorized debt collection entry on my credit report, which I discovered on XX/XX/XXXX. The collection account, reported by Transworld Systems I ( XXXX XXXX Way, XXXX XXXX, XXXX XXXX, CA XXXX ), claims I owe {$1500.00} on behalf of XXXX Partners ( The Reserve in XXXX City ) as of XX/XX/XXXX. 

I do not owe this debt and was never notified of its existence before seeing it on my credit report. I never received a phone call, email, or letter from either Transworld Systems I or XXXX Partners regarding this alleged debt. However, I recently received a phone call from The XXXX in XXXX XXXX, where they informed me that they had mistakenly placed the debt in my name instead of the actual responsible party. 

Despite this admission of error, the collection account remains on my credit report, significantly impacting my credit score and hindering my ability to refinance my home, causing undue financial hardship.

I am formally requesting : 1. Immediate removal of this false collection account from my credit report.

2. A written confirmation that this debt has been removed and that no further action will be taken against me.

3. An investigation into this misreporting to prevent similar errors from occurring in the future.

This misreported debt is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If this issue is not resolved promptly, I will explore further legal action. 

Please address this matter urgently and provide an update on the resolution process. Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. Equifax has failed to " Verify ''! Equifax has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both Experian and XXXX.
Product: Payday loan, title loan, or personal loan

I tried reaching out to the company numerous times about the debt and they sold it to a debt collector and now its been sent to another company and I can't speak to no one about it.
Product: Credit reporting or other personal consumer reports

Identity Theft and Non-Removal of Disputed Items from Credit Report Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue related to identity theft that has severely impacted my credit report. My identity was stolen in connection with the 2017 XXXX data breach, during which sensitive personal information was exposed to unauthorized individuals. As a result, numerous accounts and inquiries that I did not authorize have appeared on my credit reports with the three major credit reporting agencies : XXXX, Experian, and XXXX. 

Despite my diligent efforts to dispute these items with the credit reporting agencies under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), the agencies have failed to remove the fraudulent items. I have explained that these accounts do not belong to me.

Summary of Key Issues : 1. Fraudulent Accounts : My credit reports list several accounts and inquiries that I did not open or authorize.

2. Disputed Items Ignored : Despite my repeated disputes, the reporting agencies have failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ).

3. Failure to Comply with FTC Identity Theft Protections : I have submitted FTC identity theft reports and requested that the agencies block or suppress fraudulent items under 15 U.S.C. 1681c-2 ( a ). The agencies have not adhered to these protections.

This situation has caused significant financial harm and emotional distress, as these inaccuracies have resulted in reduced creditworthiness and difficulty securing basic financial services.

Request for CFPB Intervention : I am seeking the CFPBs intervention to : 1. Ensure that the credit reporting agencies comply with the provisions of the FCRA by thoroughly investigating my disputes and removing the fraudulent items.

2. Verify that the credit reporting agencies have implemented identity theft protections as required under the FCRA and FTC guidance.

3. Hold the credit reporting agencies accountable for their noncompliance and failure to address my identity theft claims adequately.

Supporting Documentation : I have attached the following to support my case : 1. Copies of my disputes submitted to the credit reporting agencies. 
XXXX. XXXX email stating that my information was infact exposed in the data breach 3. Correspondence showing my attempts to resolve these issues.

4. Copies of my credit reports highlighting the fraudulent items.

This matter is urgent, as the unresolved inaccuracies on my credit report continue to cause substantial harm. I trust that the CFPB will advocate for my rights and help bring resolution to this matter.

Thank you for your attention and assistance. Please feel free to contact me directly if additional information or documentation is needed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Money transfer, virtual currency, or money service

I mistakenly sent via XXXX a XXXX dollar rent payment to my previous landlord. When the landlord received the payment, not knowing why she got it, she went to her bank, B of A and they withdrew the funds from the land lords account. A few days later when I discovered the error, neither myself or my previous landlord could get any information from Bank of America on where or how to get my money back. I bank with XXXX and neither XXXX or XXXX have been any help.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report
Product: Debt collection

On XX/XX/21 I received an email from Ace Cash Express. They say I owe money, Ive never heard of them before. They threaten me with a law suit and to go to my employer, unless I send them money today!! 
I told them via email that I need to see a validation of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have repeatly requested from Experian, XXXX  and XXXX to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law.

When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from Experian, XXXX and XXXX  to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sight of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears Equifax intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made a call today XX/XX/2022 as another attempt to have these errors corrected on my consumer report, but I was hung up on multiple times. 15 USC 168li ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. Equifax has failed to provide a 100 % accurate investigation for the accounts that are on my account. None of the accounts on my Equifax profile can prove I owe a debt. Equifax couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Equifax consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6821 Congress made it clear that EQUIFAX assumed the role of a financial institution through association.

Equifax never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Equifax to furnish or create any report. I never consented to any account on my report in the first place.

Equifax has also failed to remove addresses and phone numbers that do not belong to me after Ive asked them to delete them.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion report.
Product: Mortgage

I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Credit collection Services is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my XXXX XXXX, managed by XXXX XXXX. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a 2-year installment plan through XXXX XXXX. However, due to an initial error by XXXX customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted XXXX XXXX services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with XXXX XXXX customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Product: Credit reporting or other personal consumer reports

I was taken aback when I saw unauthorized inquiries on my credit report this morning, without any explanation. I regularly check my credit report, and today I found discrepancies that shouldnt be there. I even tried refreshing my browser, hoping it was a technical issue, but the unauthorized inquiries stayed. This situation is very upsetting, and I ask that my documents be carefully reviewed to ensure this is resolved for good.
Product: Credit reporting or other personal consumer reports

I recently review 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