23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I receive phone calls and letters from the companies listed below. I haven't received a 1099-C Form for the debt for being charge-off, according to the IRS any debt that is {$600.00} or more is consider taxable income. You must claim this amount as income on your taxes because you never paid it back. According to 15 U.S. Code 6802- Obligations with respect to disclosures personal information. ( A ) financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless - such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Consumer is given an explanation of how the consumer can exercise that nondisclosure option. I wasn't given the opportunity of such information. According to 15U.S. Code 1681s-2 I didn't give written permission to have these accounts furnished on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 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 processed on time : I made the payment on time before the due date, but a system error caused the payment to be recorded late. Attached are my bank statements showing the payment was processed prior to the deadline.

Clerical error by the creditor : After discussing the issue with the creditor, they confirmed that the late payment was due to a clerical error. I have included correspondence from the creditor confirming this mistake. 
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: Credit reporting or other personal consumer reports

Experian failed to properly investigate my dispute on numerous occasions. I am disputing the completeness and accuracy of the account reported with account level documentation.
Product: Credit card

I had someone reach out to me to attend a XXXX  on XX/XX/2023, on this phone call they never expressed that it was non refundable. The XXXX  was for car sales, where I worked at the time, and they withdrew {$330.00}. The sent me an email later that afternoon with information about a XXXX  that had already passed in XXXX, the XXXX  was supposed to take place on XX/XX/2023. I had another {$330.00} withdrawn on XX/XX/XXXX. On XX/XX/XXXX I reached out with a months notice that I didnt have the funds to pay the next payment and would need a refund. The lady who called me then told me it was non-refundable. That was the first I heard about it. I told her I was frustrated because I was never told it was non-refundable and they reached out to me to sell me something. That didnt seem right to reach out and take my money before telling me it was non refundable. I then could not get a hold of her, any phone calls were declined. I reached back out again in XXXX because I wasnt sure what to do. Their response was you dont have a money problem you have a skills problem then did not give me anyone who I could contact about getting a refund and told me their policy was stated on their website. Their policy is on their website, however I did not purchase through their website nor did I reach out to them. They called me and did not send me anything about refund policy or tell me about it being non-refundable until they took the money out. I then contacted Capital One to try to dispute on XX/XX/2023. I had XXXX thus the reason for time gaps. They told me to submit all my information that they could try to dispute. I called them several times and talked to several people. I got a denial letter today, XX/XX/2023 saying I did not provide all things necessary to go ahead and dispute and my case would be disclosed. I called again and the agent said oh it looks like paperwork is fine you just didnt dispute in XXXX  days. I am upset because why wasnt I told in needed to be XXXX  days in the first place before going through all of this, and why was I sent a denial letter for wrong information. I asked what more I could do and they said contact the merchant who refuses to refund me. I did not attend the XXXX. I can not get ahold of XXXX XXXX XXXX  to help or issue a refund, all calls go to voicemail and no one calls back.
Product: Payday loan, title loan, or personal loan

I took out a Payday loan on Monday XX/XX/2020 at Approved Cash in XXXX, Oklahoma. XXXX  is the employee who did the loan. On Friday XX/XX/2020 I called in to Approved Cash. XXXX  answered the phone, I was upset because I tried to reloan after paying off a loan at another place, but they wouldnt let me because it would have been my 4th loan and the loan that I had at Approved cash made it my 5th loan. I didnt understand why it would have been my 5th loan because it was my 3rd loan. I didnt know how I was going to work it all out because I was expecting that loan. My loan for Approved Cash was due Monday, so I said Id figure it out and hung up. 
I was able to get a debt consolidation loan to pay of my loans. I got all my bills paid and was going to pay approved cash on my way home from work. I get a text that money is low in my account. I dont understand why. So I look andApproved Cash cashed my check early. Our agreement gives me until XXXX to pay it. They never gave me the chance to pay it Monday. The paperwork I signed said I have to till XXXX on Monday. I called them and XXXX  answered the phone. I asked why there was {$560.00} taken out of my account. I had till XXXX to pay it. She said because and stuttered. I said what she did was illegal and wrong. She said her boss XXXX told her to. I said why?? She said it was because of the conversation we had Friday. I said that is ridiculous and you cant take money out because you think someone isnt going to pay. I said I wanted XXXX her bosses phone number and she refuses to give it to me! Then she says shell have her call me. XXXX calls, and I tell her what she has authorized is horrible, and I want my money back. She finally says that they will replace it and then asks when Ill be in to pay my loan, and I say later in the day after work. I had to call the bank and ask them how many overages I have. I had to leave to talk to XXXX and XXXX too. Not only did I have to lose time and money with my job, I am going to be charged {$35.00} for each overdraft. They never apologized, they never offered to pay my penalties or time I had to leave my job to handle this. She wouldnt even give me her SUPERVISORS number until I asked her several times throughout the day. I asked her who regulates these loans? Who do I call to let them know what you did to me and my account? She REFUSED. This is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect dates, balance and account settlement information Party Owed : XXXX XXXX XXXX I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted off my credit report
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX
Product: Credit card or prepaid card

I applied for the Chase Sapphire Preferred credit card on XX/XX/2018. Prior to applying for the Chase Sapphire Preferred credit card, I thoroughly read through the terms and conditions of the offer within my JP Morgan Chase portal. I also received many email communications with a personalized offer. I have attached the email I received as well as my view of the application portal to this secure message for your reference. Based on the email communication and the offer in my JP Morgan Chase online portal, I applied for the Chase Sapphire Preferred card with the understanding that the offer included XXXX bonus points and {$0.00} intro annual fee for the first year, after that {$95.00}. My decision to apply for the card was heavily based on these factors. All the information presented to me through personalized emails and at the time of application included the XXXX bonus points and {$0.00} introductory annual fee for the first year. Additionally, I called JP Morgan Chase customer service prior to submitting my application to confirm the conditions of my offer, and I was assured that I qualified for the XXXX bonus points and {$0.00} intro annual fee offer. 

I was surprised to see a charge of {$95.00} for the annual membership fee posted to my account on XX/XX/2018. Assuming that the charge was a mistake, I contacted JP Morgan Chase on two occasions via their customer service phone line and on two additional occasions via the JP Morgan Chase secure message center. The representative communicated to me that the offer I applied for did not include the annual fee waiver this contradicts the credit card offer presented to me as per the attached files. As a consumer, I made a decision to apply for the Chase Sapphire Preferred credit card based on the information provided to me by JP Morgan Chase. All of the credit card offers and materials distributed to me by JP Morgan Chase were incredibly misleading to a consumer. Had all of the relevant information been presented to me in a clear and concise manner, I would have a different decision as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 collections and inquiries I did not authorize and are fraudulent, please delete them
Product: Credit card or prepaid card

In XX/XX/2020 I owed {$27.00} on my Bank of America credit card. I paid them. My balance was then XXXX. They then charged me this amount again and debited this from my bank account. They had no authorization at no time ever to do so. I havent used the card since then. I tried desperately to correct this with the organization. I've made phone calls, left XXXX messages, plus sent two or three emails -- all of owhich were ignored. On two calls, they admit their fault. Bank of America still didnt remove the charge. I filed a XXXX  complaint ( which they refused to respond to ) I disputed the {$27.00} charge with my own bank and it was settled in my favor. Interestingly, it also no longer appears on my Bank of America statements -- just the {$25.00} -- now {$26.00} charge. 

Now, Bank of America charging me {$25.00} for a returned check fee. Then they tacked on a {$1.00} late fee because I refused to pay the {$25.00}. Thing with them they are non-responsive and unwilling to assist the customer and I owe them nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EQUIFAX has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EQUIFAX and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EQUIFAX. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable invoice is attached.
Product: Vehicle loan or lease

I requested the contract in its entirety. US Auto Sales has a clause stating that they would give my loan to a finance institute. Westlake Portfolio isn't a finical institute. according to the clause in my contract with US Auto Sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. 
Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 {$15000.00} they put this account my credit under to different names I like for delection from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XXXX/XXXX/XXXX, # 2- XXXX XXXX/XXXX/XXXX, # 3-XXXX XXXX XXXX XXXX/XXXX/XXXX, # 4- XXXX XXXX XXXX  XXXX/XXXX/XXXX, # 5- XXXX XXXX XXXX/XXXX/XXXX, # 6- XXXX XXXX XXXX/XXXX/XXXX, # 7XXXX XXXX XXXX XXXX/XXXX/XXXX, # 8- XXXX XXXX XXXX/XXXX/XXXX, # 9- XXXX XXXX XXXX/XXXX/XXXX, # 10-XXXX XXXX XXXX/XXXX/XXXX, # 11XXXX XXXX XXXX/XXXX/XXXX, # 12- XXXX XXXX/XXXX/XXXX, # 13- XXXX  XXXX/XXXX/XXXX
Product: Mortgage

My mother and I are in debt because U.S. Bank Home Mortgage keeps telling us lies. I need a lawyer to help me. The attachment shows how far US Bank has kept us in debt. We are not even allowed to take our money and have no option to choose. I would appreciate it if you could call me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the dates starting XXXX XXXX into present
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( XXXX  XXXX  {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You
Product: Debt collection

i sent a letter to XXXX XXXX XXXX ER physicianequesting that they validate Not verify a debt that that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that im asking to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have have requested for the Credit Bureaus to comply with state and federal laws in regards to consumer credit and making sure that the information is accurate and the laws have been violated time and time again and i have attached my credit report with the laws and violations in order to get them corrected by having the items, removed, deleted, and purged from their records, files, including their databases by third parties which they own such as XXXX XXXX XXXX, and many others.