23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

State Employee Credit Union discriminated against me when I applied for an extension of credit yesterday on XX/XX/2022. They discriminated against me because of my credit history is what was stated to me by a lending supervisor even after I told her the negative items she was mentioning were due to identity theft and I could provide a police report. She still continued to inform me they were discriminating against me. I have attached the email I have sent to the company letting them know my federally protected rights that have been violated by State Employee Credit Union.
Product: Credit reporting or other personal consumer reports

I have a problem with not changing or updating my documents with Experian and XXXX!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long 2 yrs and Experian and XXXX still hasn't updated, the internet correct updates that deleted all the negative information!! 
XX/XX/XXXX  XXXX XXXX ( XXXX SSN )
Product: Checking or savings account

I lost my card on XX/XX/2023, as well as my XXXX. It never has a lock on it as my FaceID was not working correctly. I noticed I lost my phone right away the night before, went back to where I lost it, it wasn't found. I was wearing gym shorts with shallow pockets and the card, but didn't realize my card was missing as it was also in my pocket along with my phone. 

I noticed big amounts were taken out from my card from a company in a matter of an hour or two that morning called XXXX in the amounts of {$140.00} and {$730.00}. 

I contacted Chase ( my primary bank ) and they promised a resolution over the phone within 10 business days, and got sent a new card out immediately. This was XXXX XXXX XXXX, it is now nearly a month later. They temporary credited the amount- but it is still in a dispute process which I believe they have yet to attend to. 

I contacted chase a second time because the dispute was doubled on the {$730.00} charge to {$1400.00} - but they credited back {$730.00} instead which was helpful along with the {$140.00} dollars.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight has taken over a month to complete report XXXX. I've been told the report is at 91 % for over a month. They refuse to provide any additional information about the report. Their delay has already caused my prospective employer to delay my start date a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is furnishing false and derogatory information on my credit report. They're listing a past due balance of {$820.00} which includes an illegal interest rate of over 188 %. Predatory lending is entirely illegal in the state of Pennsylvania and this is double the original listed loan amount of {$480.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on both my Equifax and XXXX. This account is fraudulent due to it saying on Equifax I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On XXXX is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's erroneously are reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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

Back in XXXX my Information was stolen when I was hit off my XXXX  im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. 

I have no connections or knowledge about any account listed. please help me on correcting this.
Product: Credit reporting or other personal consumer reports

The first time I I challenged 2 accounts a few years ago I told them my information on my credit report was incorrect I also contacted specific lenders such as dep of education that my information was wrong. The only information that matches on my 3 credit reports is my birthday Incorrect items include My name My address including a past address I never lived. 
My employers do not match Number of total accounts don't match Number of open accounts do not match Number of closed accounts don't match Number of delinquent accounts don't match Derogatory accounts don't match Balance owed does not match Payment amounts don't match Inquires don't match Even accounts I have paid off don't match I am truly shocked after looking at my credit reports and seeing the lack of care and attention my credit reporting has gotten. Many of this inaccuracies has cost me to not be able to buy a house and other things to better my business. I believe please remove the inconsistent accounts on my report including department of education and Navient as these accounts are not correct. 

Sincerely XXXX XXXX
Product: Vehicle loan or lease

I have an airline loan because I already pay half oh XXXX with you and pay this amount. Do you wan na leave my car because you take it to the impound impound it does it have a L I already take you for that my vehicle where are you vehicle? I want to pick it up and pound it doesnt have it. It doesnt have any info customer service she tell me the impart airline is coming vehicle is already pick it up. You got ta call Ally company, OK? 
I have a police report. Also everything information I can give you can you help please take out the action because nobody help me.
Product: Debt collection

complaint # XXXX i addressed not being able to dispute debt.in court the debt was showed paid with interest owed the judge gave them there interest and ordered them to return the rest of my money.The law firm of XXXX XXXX and associates acting for ford motor credit is trying to collect same debt court case # XXXX or XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$8000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} {$4800.00} ; XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I keep getting calls and mail from portfolio recovery for a previous resident that doesn't reside at my address anymore. I've asked them to stop calling my phone they then turned around and called my other phone number yesterday. Today that persons mail from them was in my mailbox. During the first call i was asked if i was the wife of this person? Portfolio recovery is steady harassing me and my residence. I wish they'd stop sending mail here and calling my phone. I don't have no accts with them all of cc 's are current and not in collections.
Product: Credit reporting or other personal consumer reports

No knowledge of this account. This is not my account. 
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Pre-Arbitration Notice Regarding Incorrect Reporting of Late Payments Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of late payments on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681 and 15 U.S.C. 1666b. 

I have recently reviewed my credit report and noticed that several accounts are reflecting late payments that I believe are inaccurate. As you are well aware, the FCRA mandates that all information on a credit report must be both fair and accurate. Incorrect reporting of late payments can have severe and long-lasting impacts on my credit score, potentially affecting my ability to secure loans, credit, housing, and even employment. 

It is crucial to me that my credit report accurately reflects my payment history. I am requesting an immediate investigation and correction of these inaccuracies. Enclosed are copies of supporting documents that substantiate my claim that these late payments were either inaccurately reported or never occurred. 

If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights under the FCRA. This could include filing a lawsuit to seek damages, legal costs, and attorney fees as permitted under the law. 

To provide clarity on the potential legal costs, here is a breakdown : Attorney Fees : Depending on the complexity of the case, attorney fees could range from {$200.00} to {$500.00} per hour. In a straightforward case, this could amount to {$2000.00} to {$10000.00}. 
Court Filing Fees : Filing a lawsuit typically incurs a fee ranging from {$100.00} to {$500.00}, depending on the jurisdiction. 
Other Legal Costs : Additional costs such as deposition fees, expert witness fees, and other litigation expenses could add another {$1000.00} to {$5000.00} to the total cost. 
I hope we can avoid these unnecessary costs by resolving this matter promptly. Please confirm the receipt of this letter and initiate the investigation into my dispute. I expect a timely response as outlined in the FCRA, and I look forward to a fair resolution. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During XXXX, I applied for a refinance, to buy the car I was leasing, following the instructions on their website, and confirming with an agent about the type of loan requested. The misleading website, was clear and the application was requested for a Refinancing, and the negligence from the loan processors : 1 ) Filed it as a used car acquisition from a dealer, 2 ) Authorized the loan, and called for data from the dealership selling. The Credit Union misleads the clients to apply, while needing to refinance, or buy a car directly from the manufacturer, excluding the manufacturer from their dealership network. Misleading and surprises taking to a credit inquiry, which was requested to be removed 6 months ago, and it is still impacting the credit score, and the consumer economically. The Credit Agency received the evidence of this misleading fraudulent practices by a financial institution in writing, and has neglected for 6 months to remove the inquiry, in collusion with the credit unions whom are their clients.
Product: Debt collection

On or about XXXX/XXXX/2015, I received a voice mail from XXXX ; they were looking for a party other than myself. I promptly contacted the number, inquired about the company ( MAC ) and informed the representative that I would very much appreciate if their company made no further attempts to contact me, and to do so would be considered as a violation of my right to privacy. On or about XXXX/XXXX/2015, I received another call from the same number. I repeated the steps taken in the first call. On or about XXXX/XXXX/2015, I received several calls from an " unknown '' number. Contacted XXXX ; was informed that they had in fact called and would continue to call. So, I continued to call them. After s-e-v-e-r-a-l calls, I began being threatened with law enforcement, litigation, and was even threatened with calls at XXXX XXXX.
Product: Debt collection

IM VICTIM OF IDENTITY THEFT, HAVE NO KNOWLEDGE OF THIS ACCOUNT, ONEMAIN MUST HAVE A MIX FILE,
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Fraudulent Account [ XXXX ] I am writing to formally request the immediate removal of fraudulent account from my credit report. The account in question is with XXXX XXXX XXXX XXXX, bearing the account numbers- [ XXXX ]. I have included a Federal Trade Commission ( FTC ) Identity Theft Report that documents the fraud Also a XXXX referral. form XXXX to the Gramm-Leach-Bliley Act and 15 USC 6802, it is your obligation to ensure the privacy and accuracy of my personal financial information. Maintaining this fraudulent account on my credit report is a clear violation of these statutes and causes undue harm to my credit standing. ( MY FTC REPORT NUMBER IS XXXX ) Please confirm in writing that this account has been removed and provide me with an updated copy of my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue further. 
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting or other personal consumer reports

File Number : XXXX XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.
Product: Credit card or prepaid card

XX/XX/2021 Disputed every fraudulent transaction. 

XX/XX/2021 Denied 1 transaction. 
( I disputed 72 ) XX/XX/2021 Fixed my dispute and resent for investigation. 

XX/XX/2021 Provided my Declaration_of_Fraud.pdf file, completed with every transaction. 

XX/XX/2021 Denied 32 Transactions XX/XX/2021 Denied 1 Transaction Today They had ample time to include all the transactions listed on the Declaration_of_Fraud.pdf that I filled out. They only included 32. It has been 10 days, I feel that they should have to pay me provisional credit, per S1005.11 ( c ) for the remaining transactions that they did not deny or include.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$3200.00} XXXX  - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt or credit management

I am writing to formally dispute multiple unauthorized hard inquiries that appear on my XXXX credit report. I did not apply for credit with these companies, nor did I authorize these inquiries. These unauthorized inquiries are negatively impacting my credit score and were conducted without my consent. 

The following hard inquiries are in question : 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 and the companies responsible, but the inquiries have not been removed. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have authorized should be on my credit report. Since I did not give permission for these, I am requesting their immediate removal to prevent further damage to my credit. 

XXXX XXXX
Product: Debt collection

Qualia Collection Services ( XXXX ), is attempting to collect a debt on behalf of XXXX XXXX XXXX, account number XXXX, in the amount of {$14000.00}. 

XXXX XXXX XXXX relocated me to a XXXX XXXX because the XXXX were being rebuilt. Then, the home I was relocated to partially burned due to a short circuit inside one of the walls that started the fire. The fire fighters arrived on the scene and wrote a report that stated the fire was not caused by me. The home owner probably didnt have insurance and it seems like theyre trying to come after me for something I didnt do. 

The property owner immediately XXXX me and my family. The XXXX XXXX provided assistance by placing us in a hotel. Then, XXXX the XXXX XXXX XXXX XXXX XXXX XXXX, had us move back to XXXX XXXX  XXXX and then after XXXX months, she XXXX us. And now she wants us to pay this weird fee that I dont believe is mine. Then XXXX and XXXX couldnt furnish a copy of my XXXX agreement that was for XXXX year. 

I have been under so much stress. I am a XXXX XXXX family and I feel like I am being taken advantage of. Please help as none of this is my fault or my debt. Thank you.