23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C1681 section 602A. States I have the right to privacy.15 U.S.C 1681 Section 604 A. Section 2 ; ; it also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a 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 extremely frustrated after noticing an unauthorized inquiry on my credit report this morning. I always monitor my report, and this sudden discrepancy is alarming. I tried refreshing my browser, hoping it would disappear, but it didnt. I need this issue addressed immediately, and I urge you to review the documents I sent to ensure I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with XXXX, Experian, and XXXX. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across XXXX, Experian, and XXXX Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX. 

Resolution Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on XXXX, Experian, and XXXX. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Took out a {$570.00} loan on XX/XX/XXXX total debt to repay was {$1300.00}. Made bank draft payment of {$480.00} and wages garnished totaling {$940.00}. Monies paid on loan {$1400.00}. Contacted the company to ask why was I sent a wage garnishment letter on XX/XX/XXXX stating that the amount remaining was {$720.00} to be garnished but 4 months later, they sent a wage garnishment letter on XX/XX/XXXX that {$1200.00} was the amount to be garnished. I contacted AmeriCash Loans and revoked the wage garnishment in XX/XX/XXXX. Then on XX/XX/XXXX I contacted AmeriCash Loans and I was transferred 4 times before I got Ms XXXX and she proceeded to tell me that they regenerated the interest in XX/XX/XXXX. Then on XX/XX/XXXX, I complained to the Attorney General of Illinois and Missouri and then on XX/XX/XXXX I received a letter date XX/XX/XXXX from AmeriCash Loans that I still owed them {$790.00} on the {$570.00} loan. If I have paid {$480.00} in bank drafts, another {$940.00} in garnishments totaling {$1400.00} when debt owed was {$1300.00}. If they add another {$790.00}, that's {$2100.00} on a {$570.00} loan, which is 374 % in internet. The debt havs been paid in full and AmeriCash is still trying to collect more interest that they purposely keep regenerating.
Product: Credit card or prepaid card

I contacted this companies and advised them of the problem that I was having and nothing was done about the problem.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and LVNV FUNDING LLC XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and LVNV FUNDING LLC XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Mortgage

During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX proof from the US 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 reporting or other personal consumer reports

I have sent this letter to the XXXX major credit reporting agencies, and they have not abided by they laws and they are in direct violation of the law. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted Remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX The reporting of these accounts are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Product: Mortgage

I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if they have yet to Verify the debt with my signed signature.

Then I asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof my letter for that.

Also according to 15 usc 1681 s-2 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. 

This is violation after violation. This is causing me stress because I have no hope with this system. Please delete account ( XXXX ) XXXX XXXX off my consumer report immediately.
Product: Checking or savings account

Payer issued a bill payment in the form of a bank check from USAA on XX/XX/year>. I deposited the check into my XXXX account, but XXXX informed me that they were unable to locate the associated account number and the {$5000.00} fund. Later, XXXX stated that the check was returned without providing further details. 

I attempted to contact USAA to obtain information regarding the returned check and the status of the funds, but as a non-member, USAA refused to provide me with any information. I need to confirm whether this check was cashed, refunded, or voided, and by whom. 

XXXX stated that they need USAA to provide a transaction details to trace the missing funds. I am requesting CFPB to intervene and require USAA to provide the following : The reason why the check was returned and uncashable. 
Whether the funds were refunded to the payers ( drawers ) account. 
Who cashed or voided the check if it was processed. 

Without this information, I am unable to determine the status of the missing {$5000.00}. I am requesting CFPB to ensure USAA provides the required documentation to resolve this issue.
Product: Debt collection

PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B. COMPANY HAS NO PERMISSON TO REPORT ANYTHING USING MY INFORMATION PURSUANT TO 15 USC 1681. ( 4 ) PORTFOLIO RECOVERY NEEDS TO REMOVE IMMEDIATELY THEY HAVE NO GROUNDS AND I HAVE NEVER DONE BUSINESS WITH THEM. THERE ARE NO CONTRACTUAL OBLIGATION BEARING MY SIGNATURE WITH THIS COMPANY. I AM NOT ASKING FOR STATEMENTS THAT DOES NOT PROVE THAT THIS IS MY DEBT. PLEASE SHOW ME WHERE I GAVE YOU OR ANY OTHER AFFILIATES OR THIRD PARTIES PERMISSION TO CONTACT ME OR REPORT MY PERSONAL INFORMATION. IF YOU CANT SUPPLY THAT DELETE IMMEDIATELY.
Product: Mortgage

XX/XX/XXXX I was set for a disaster relief program with Freedom Mortgage that was meant to assist those who were affected by hurricane beryl. I was affected and got a two month delay on my mortgage. I was told to contact them by mid XXXX to discuss plans on how I would repay those two months back once program ended XX/XX/XXXX. I called XX/XX/XXXX and was setup for two months to make a payment of {$5000.00} and account would be up to date. I went this route because they stated I was already approved for this instead of a loan restructure which would require a lot of documentation. I seen a few days ago my credit report was hit for a missed payment of {$5000.00} and dropped my credit score XXXX points. I would have never signed up for this had I known it would negatively impact me like that. Please any help would be greatly appreciated! I already made my first payment and only had one more to make to be up to date. I have never missed a payment on a single loan.
Product: Debt collection

A collector called for a party other than myself " XXXX XXXX '' and identified themselves as working for Radius Global LLC Debt which is a debt collections company. It is illegal for them to identify themselves as a debt collector to someone other than the party that owes the debt. This is the second time in maybe a week I have had a debt collector trying to collect a debt I am no part of.
Product: Checking or savings account

I came into the bank to cash a check and the teller instructed me that they need to speak with a manager. After they did so. They told me to make another account so I can deposit it. I did. And that account was denied for a reason that wasnt clear. After I deposited the check into my buisness account, that account was closed and my funds have been held for over a month. With no date of release
Product: Debt collection

Company has sent me various letters claiming I owe a debt that I know nothing about and I think is a claim of identity theft. I have never done business with said company and have tried to file a claim with them to investigate for identity theft because I did not open account. I am not liable for said account and take no ownership of that account please stop harrassing me claiming that I owe you when in fact I don't.
Product: Credit card

On /or about XXXX XX/XX/year> I applied for a Credit Card through the Credit KarmaXXXX XXXX ( I've had a CK account for OVER 2+ years ). A CK email stated per the CK Guarantee I was eligible for XXXX credit cards ( I have very good credit and HIGH scores ). So I applied for XXXX card ( I can't recall which bank ). So off goes the application. About XXXX weeks later I get an email from CK saying, since I was denied I'm eligible for a {$50.00} gift or e-card, per the Karma Guarantee. So I click on the Green Button /Tab and I get the error message : Oops! something went wrong -this page didn't load correctly, please try again later. I did try again - several times over the next week. I did CHAT with a Customer Agent and they said it would take several days to determine which bank I applied to. That is XXXX CK KNOWS exactly which bank I applied to, as the application was through CK 's website. I waited and NO response. On XXXX XX/XX/year>, I again emailed CK explaining the situation and no reply to this day. Afterwards, I did file a complaint with the State of California Attorney Generals Consumer Protection Division, as Credit Karma is headquartered in XXXX XXXX. I haven't head from the CA AG 's Protection Div. either. CK got its referral fee and I get denied, my scores dropped and I've been used.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Chase bank by mail notifying them I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 


The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


CHASE BANK is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Chase ) Making the report is not INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Chase ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Chase stated there was not enough evidences to start an investigation.

All corporations should know the laws that supposed to be following. My letter was very clear and conspicuous. 

I will not send nothing to CHASE WITH MY signature on it.
Product: Credit card

I was a victim of fraud and syncb wont reopen my account when it was n't my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX, XXXX XXXX a federally protected consumer who's rights under the FCRA has been repeatedly violated from inaccurate and unverifiable information. 
Please see attached
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got many inquires from unknown companies showing up on my credit report. I need these removed.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I recently checked my credit report for the first time in a couple of years because I need to get a new lease and seen these unauthorized accounts. Please fix this issue and remove them from my account.