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

When I applied for a loan with onemain financial I was told over the phone by the representative that initiated my loan request that I would have no problem to pay any amount at a later date that was lower than the balance and they would have no problem to release the lien in case I wanted to purchase a new car. I was misled to believe that it would be no problem at all ( call would have been recorded so a recording should be available ). The balance on the loan was approx. a little over {$11000.00} and I called in to request how much I would need to pay in order to release the lien and was told the full balance of the loan. I advised that was not was I was told when I inquired about the loan initially. I proceeded to contact the District Manager, XXXX XXXX, and I advised XXXX XXXX what I was told when I took out the loan. I advised XXXX XXXX I wanted to pay {$10000.00} toward my balance and I wanted them to release the lien so I could purchase a new car. I advised XXXX XXXX that I would continue after that payment posted to make payments to pay off the balance. It was NOT agreed to at all that it would take the WHOLE {$10000.00} to release the lien to the car. The car was a XXXX XXXX XXXX with XXXX miles and according to XXXX XXXX XXXX  was not even worth {$9000.00}. The {$10000.00} was MY offer to pay toward the loan balance because that is what I had for a down payment on a new car. XXXX XXXX did not quote me that amount to state that is what it would take to release the lien and NOR did anyone tell me that once they posted that {$10000.00} that it would all go to principal and would NOT satisfy the XXXX payment. Onemain FInancial posted the {$10000.00} on XX/XX/XXXX and my XXXX payment was due XX/XX/XXXX. I instructed numerous times that I wanted the {$10000.00} of MY money to apply to the XXXX payment and the balance to principal or wherever they needed it to go to satisfy the lien. Onemain Financial has repeatedly ignored my emails ( yes, I have proof of said emails ) and I have called the corporate office to try and resolve this matter. I have spoken to XXXX XXXX and he refused to help me and actually ( on a recorded line ) was rude and disrepectful to me. He threatened to end the call with no resolution. I asked him why would he not consider to take the {$10000.00} that I paid out of my own money and apply the {$300.00} plus payment and the rest to principal and he REFUSED. That was my money that was paid ; it should be up to me where my money goes. XXXX XXXX also threatened me with negative credit bureau reporting during the call. I will NEVER use onemain financial again for anything I need. If you check my records I was a great paying customer as well. It's a shame that someone is treated so poorly over such a small amount of money. I want something to be done about the way I was treated but my main goal is to have that {$10000.00} reapplied to include my XXXX payment. As of now they are harassing me telling me I am delinquent when I am NOT. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would XXXX has not removed it so I am filing a complaint against both companies.
Product: Credit card or prepaid card

Order Number : XXXX Date : XX/XX/2019 Order Number : XXXX Date : XX/XX/2019 I have never consented to TransUnion charging my credit card. I had this issue last month when a charge showed up on my statement ; when I called, they told my that the false subscription was cancelled. I have been charged again this month, and nobody is giving me a direct answer on what's happening. I would like TransUnion to remove all my payment information and cancel any " false subscriptions ''. I would also like to be refunded for these seemingly illegal/fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I had a PNC Visa Credit Card that was cancelled because of inactivity. I lived outside of the United States and upon returning I wanted to use my card and was informed that since I had a XXXX balance on the card and had not used it since XX/XX/XXXX that they decided to cancel it. I had acquired many rewards points on the card and wanted to use them but lost them because of this. I called XX/XX/XXXX and was told that they decided to cancel it due to inactivity for a year and there was no need to inform me since there was a XXXX balance. Had I not paid my bills on time, they would have left my account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXXXXXX XXXX  {$3700.00} XXXX. XXXXXXXX XXXX  {$3000.00} XXXX. Tbom bt {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am an XXXX patient. Back inXX/XX/XXXX  my discover credit card ( new card number ending XXXX ) was lost/stolen. There were so many fraud transactions on my card from XX/XX/XXXX thru XX/XX/XXXX. I called and reported that. As I said I am an XXXX patient so sometime I dont even remember keeping up with my card. I was told I wont be responsible for any charges. But they put back all the charges on me again last month. ( Total around {$3300.00} ). They said they asked me for proof they called me but I dont remember receiving anything from them. I dont even drive, No one else in my family has access to my card. I work only part time and not able to pay as this isnt fair for me to pay something which I didnt purchase. You can contact my XXXX doctor and confirm with him. 

XXXX XXXX XXXX in XXXX XXXX TX XXXX I hope to get this issue resolve as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my names and addresses. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Vehicle loan or lease

CNAC/JD BYRIDER insurance and car payment was paid till date of car being total. CNAC is advising I am still responsible for payments till Deductible of {$500.00} is paid to them. At this point CNAC has the wreck car, the XXXX insurance they have in their possession and all payments made to that point. The only thing I should be responsible for is the {$500.00} which I can make in payments. I can make bi weekly payments to get the deductible paid because I am using resources to get to and from work. After the {$500.00} is paid I dont want my credit impacted or nothing owed to Byrider. The car was value at XXXX. Per XXXX at byrifer I have only paid XXXX on the loan even though I started in XX/XX/2022. I put {$500.00} down have been paying {$250.00} everytwo weeks and a payment of {$500.00} on the down was also done in XXXX. I have every charge to my checking account which is way over XXXX plus the additional I paid biweekly for XXXX insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXXXXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Debt collection

In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized. 

Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed. 

Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft. 

I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization. 

Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number. 

They have fraudulently added this account to my Credit Report more than 3 times now. 

The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud. 

This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe. 

Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently. 

Thank you for your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect
Product: Credit card or prepaid card

Unauthorized transactions on account from the months of XXXX  to XXXX. Deposits are not available and not updated with truth in lending and accounting as credits and debits
Product: Credit reporting or other personal consumer reports

I have some hard inquiries on my report that I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX  's 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX  : It appears that XXXX XXXX  incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part.

Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX  showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

PayPal keeps taking money out of my account and nobody can tell me why. Ive deleted my PayPal account and havent used it in almost a year. So why does PayPal keep taking money from me
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX