23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We've had this target credit card for 15 or more years called to tell him we could not make a payment Because of medical bills and we would make a payment next month at due time. They keep repeating calls every day. Will not listen to what I have to say. Just keep repeating calls every day. But they told me that they weren't Calling everyday and will not even talk to me about the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$210.00}
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.
Product: Credit card

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. WF did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.
Product: Credit reporting

I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX  XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Checking or savings account

In my CFPB No. : XXXX complaint about Ally Bank payment services I reported that the limit Ally Bank advertises to consumers for person to person payments using a service called XXXX is factually false. 

As part of my report I requested the following " I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. '' According to the description of the service published on Ally 's website my limit for payments using XXXX service should be {$5000.00}. 

Ally 's bank in its response to my complaint stated that " pending XXXX payments count toward the maximum outstanding limit, even if the payment was arranged on a different day. For clarity purposes, any pending XXXX payments will count towards your daily and monthly outstanding limits. '' In its advertisement of the XXXX payment services Ally Bank failed to disclose to consumers that ANY pending payments, even if they are arranged to be sent on one day, count towards the daily limit for payments to be sent on a completely different day. Such description of the service is not in accord with a commonly used definition of the concept of daily limit since daily limit implies payments to be sent on one day.
Product: Debt collection

On XX/XX/2021Franklin Collection Service called about XXXX XXXX, I said that item has been taken care of and I have specifically said to not be harassed about it anymore. The Represenative told me to go XXXX  myself. I am represented by an attorney, no lawsuits have been filed as of yet.
Product: Checking or savings account

I have had a checking account with M & T Bank since XX/XX/XXXX. In XX/XX/XXXX I declined " overdraft protection '' and requested that any debit that would cause my account to overdraft be declined. This was on file since XX/XX/XXXX. Despite this, I have received numerous overdraft fees since XX/XX/XXXX. The dates are listed below. For every overdraft, I have been charged XXXX, often triggering a second overdraft. The bank has refused to refund many of these. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for unauthorized hard inquiries appearing on my Equifax credit report. i ve sent notices over and over since XXXX, XXXX These inquiries were made without my knowledge or consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you investigate this matter immediately and remove the fraudulent inquiries without delay. The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXX XXXX XXXX acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late always reporting that i am late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I have an account on my credit which is not the original creditor. Also this company is in many violations under law code 15 U.S Code 1681. 

Date : XX/XX/19 Two amounts showing inaccurate {$6700.00} {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Debt collection

This company is violating my rights they have not provided validation information under CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report.

I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00}. For every violation I listed, they either pay me or delete these accounts. Immediately!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

Completed a zero interest on a balance transfer on Zero interest expired which they changed to a cash advance, I have never had a cash advance in my life. Paid of the balance by the due date and they still charged {$60.00} cash advance fees after pay off. Not sure what other overcharging as I just noticed this when I called and they said I did a cash advance never did this, I asked why did you move the transfer balance into a cash advance is this not illegal? 

Unfair business practice taking advantage of the consumer. 

Member Number : XXXX Penfed credit union XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  Utah XXXX tried to credit my payment and got the routing numbers wrong on my payment. They could not process the check notified me by E-mail that it was insufficiant funds. I have overdraft protection on the account so not the problem. I called they got it straightened out but they put a closed account on my credit history. Called them said would not open the account and that I would have to reapply to have an account. Told them what they did was their fault not mine and it would affect my credit score. Again was told I would have to reapply. I told them I would bring them to small claims court and file a complaint with you. Their actions affect peoples credit scores and could cost people higher interest rates. They corrected it on my account but I still think they should not be doing this to people and need to correct their system.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 items 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 items XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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.
Product: Credit card or prepaid card

I was issued a card by the state of Alabama for unemployment benefits. I am unable to access the account online or by phone. I keep getting the message that the information is invalid when asked to enter my card number. I have called the number on the back of the card and due to the invalid card number I am unable to navigate through the menu. I have been unable to reach an operator because the automatic system just hangs up on you. The state of Alabama will not reissue the money on the card to another account. This card company has 4 weeks of my pay hostage and they provide no avenue for me to remedy the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a XXXX account reporting on my credit file, which is a fraudulent account and does not belong to me, i had not inquired or applied to this inaccurate information reporting on my credit file, but when i disputed this inaccuracy was removed and them put bank on my credit file after 6 months, this is not my account, when i disputed experian which is the only one who is reporting this account, they said they will not dispute ever again and i should not be sending them any type of paper work if i have any, no more disputes.

but since this is not my account whether it is positive or negative, why should i have this inaccuracy on my shoulders..

please help me to have this inaccuracy removed from my credit file, i will be attaching my police report, and ftc report. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from XXXX XXXX saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " Aldous Associates '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else has used my credit they have bought cars and got loans her name is XXXX XXXX XXXX. I have contacted you guys about this and my case was closed. I would like for you to take this things off my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Product: Credit card or prepaid card

In the month of XXXX I XXXX XXXX applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). The above correspondence was sent and received by American Express via Certified Mail return receipt # XXXX on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.
Product: Payday loan, title loan, or personal loan

My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.
Product: Consumer Loan

Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Transunion is reporting a inaccurate account on my consumer credit report. XXXX XXXX shows the months of XX/XX/2021 ( XXXX ) 60 days late, XX/XX/2021 ( XXXX ) 60 days late, and XX/XX/2021 ( XXXX ) 60 days late. NO CONSUMER CAN BE 60 days late in XXXX month. I have disputed this with the furnisher and Transunion. Transunion is violating the FCRA 15 U.S code 1681. Delete the XXXX XXXX account due to inaccurate reporting. I have attached proof of the inaccurate report.