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

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over XXXX days.
Product: Debt collection

I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????
Product: Payday loan, title loan, personal loan, or advance loan

I was denied credit from carecredit multiple times with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.
Product: Payday loan, title loan, or personal loan

NEVER APPLIED FOR LOAN BUT ITS ON MY CREDIT MAY BE DUE TO IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian for the company XXXX. They recieved the dispute XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : Investigations take 30 days. Per the FCRA investigations are 30 days as well! I need to see the paperwork from the investgation and how Experian validated this account which is reporting inaccuractly on XXXX and XXXX as well.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has inaccurate information this information must be updated as it applies to law code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached docs detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance, it states, Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reported on my credit report and the information is inaccurate because I am a victim of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Product: Checking or savings account

In XXXX of XXXX i recevie four check at M & T bank in XXXX an there took what they wanted like XXXX dollar for themself please help me get it back. XXXX XXXX.
Product: Checking or savings account

I deposited {$200.00} and then deposited {$530.00}, and then the atm stopped working and none of my money was deposited and the bank wasnt able to retrieve my money. I talked to the people inside the bank and called the service hotline on my phone and made a claim, but wasnt able to receive my money. I am owed {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy that includes 2 companies that were contacted and are now reporting these accounts as open accounts closed that were included in the bankruptcy. Its inaccurate and causing my score to drop because of false reporting of these accounts.
Product: Credit reporting or other personal consumer reports

I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR
Product: Credit card

This is a smile generation financial card. It offered a XXXX no interest. The dental procedure was done on XXXX XXXX but they charged me almost {$3000.00} interest saying that I didn't pay it full on last week of XX/XX/XXXX. I needed up payment {$10000.00} plus and I am still paying until now. This caused so much financial strain. I didn't noticed this until XXXX week of XX/XX/XXXX and I requested for leniency to waive percentage of the interest charged but they didn't budge at all. I was willing to pay it full and pay partial of the interest but they did not agree even though I am still within XXXX days from due date. The company showed no mercy. They insisted that the credit was opened on XXXX. This is not clear to me when I agree with their financial agreement that it is not XXXX  months from the service was done when the clock starts. I disputed it being that though the credit card was opened on XX/XX/XXXX the procedure was not done until XXXX due to rescheduling due to unforeseen event. I asked and requested on several occasions to be clear that the XXXX  months is when the procedure was done the dental assistant said yes just call the smile generation which I did. I paid my remaining balance on XX/XX/XXXX and still paying the {$3000.00} interest but until now this bothers me and over and over again caused me anxiety on how unfair the matters took. 

They rushed me that I needed the dental procedure have me sign the paperwork as it is an emergency nothing was explained clearly. If I would have known that they started it when the credit was opened and not when the service was provided I would have not agreed to it. They even not willing to work with me on decreasing the interest they charged I was transferred from XXXX person to another multiple times with rep with XXXX accent I could barely understand and just keep transferring me and dropping my calls until I gave up as it was causing me so much stress at that time and just started paying for the interest. They didn't even gave me a grace period. I paid my balance in full on XXXX week of XXXX they said it was due on XXXX XXXX. I want this investigated and return what ever is due to me.
Product: Vehicle loan or lease

I recently reviewed my credit report and saw I had late payments reported for XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This account is for Ally Financial the balance of the account is {$14000.00}. I was out of the country and had someone responsible for payment my auto pay via auto pay.
Product: Mortgage

I have had a floating interest rate for many years, since XXXX. The loan has been transferred several times from company to company, this last time, going from XXXX  to First Citizen Bank. The interest rates have gone up, and I understand this is normal to adjust the rate based on the Prime Rate, that usually goes up or down around XXXX XXXX at a time. The Prime Rate has not changed in a long time. But now First Citizen Bank out of nowhere raised my floating interest rate from XXXX XXXX to XXXX XXXX  without any changes having occurred to the Prime Rate. When I discussed this matter with First Citizen Bank they told me, that they can raise it all the way up to XXXX XXXX  without any cause. That somehow they can raise my interest rate to that high without my consent. They have no sent me a bill for XXXX that includes for them, a XXXX XXXX rate up from the XXXX XXXX I was paying up to XX/XX/XXXX. They gave no prior warning that the rate will be increased per their internal policy. I never agreed to any such rates when I purchased the original loan agreement. And since the Prime Rate hasn't gone up, First Citizen Bank shouldn't be able to charge me higher rates to finance their own debt, that has nothing to do with my loan or the Prime Rate of Interest associated with my loan.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX  XXXX dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted Kia motors finance ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted XXXX XXXX XXXX ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report XXXX XXXX XXXX ( XXXX ) XXXX XXXX VIA DEALER ( XXXX ) KIA MOTORS FINANCE ( XXXX ) XXXX KIA XXXX XXXX ) XXXX KIA XXXX XXXX ) these inquiries werent authorized by myself I was told by XXXX  XXXX it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards with Captial One. I also use their credit monitoring service " Credit wise '' among also belonging to Credit Monitoring with XXXX and XXXX. 

I noticed that my credit card balances have not been updated in quite some time. In particular my balances were last updated XX/XX/XXXX. When further investigating when balances are updated accoriding the the close of my billing statement, I noticed that they were not correctly reporting the balances timely per the billing cycles, and therefore, my credit score does not update to the score that would most accurately reflect my credit usage. 

I reached out to customer service through the Capital One Chat service, simply explaining the issue and asking them to update my balances accurately. The customer service reps simply denied the ability to do so stating that they can not change their policy as a courtesy to me. I was not asking for a courtesy, I was simply asking them to accurately report my balances for XXXX per the Credit and reporting Act. They simply did not and refused to update my balances even though they were reported 100 % incorrect. Instead I was advised to wait an additional month to see an update - but by then I will have paid my cards down even more so and it will still be incorrect! 

I feel that my consumer rights to have my balances reported accurately and timely has been violated and capital one does not seem to care very much to update them for the correct Months billing cycle - even though its the law.
Product: Checking or savings account

I went to Chase bank to deposit {$1500.00} in cash into my checking account to pay my rent that was due ( I XXXX  and get paid in cash mostly ). I pulled up to an atm, inserted my card, selected deposit cash and starting putting small stacks of cash into the slot as I always done in the past. On the last pile i inserted it gave an error message and spit out a {$50.00} back but the rest was in the machine counting. When It was done the total only showed {$500.00} dollars ( I believe that was the number it displayed but I know it was not the {$1500.00} I put in the machine ) so I was shocked and instead of agreeing to deposit the incorrect amount I pushed cancel instead of ok. The machine proceeds to spit out cash back at me and I counted it immediately and {$600.00} of it was not there. I was dumbfounded and figured it was a glitch so I called chase right away while at the atm and was instructed to file a claim and to not worry my account will be credited. I went inside to deposit what I did get back and spoke with a bank employee who also reassured me. Its been 2 weeks and 2 claims denied later now and I still havent seen my money. Ive gone to the bank and called several times and it seems like they have no interest in validating what happened and.returning my {$600.00} please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 XXXXXXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXXXXXX XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Student loan

I graduated law school in XXXX, XXXX. I consolidated my loans and signed a promisory note on XX/XX/XXXX. AES was the servicer. The note says the total amount consolidated is {$43000.00}. But on the Servicer 's ledger ( Financial Activity Summary ) original amount consolidated is {$46000.00}. The discrepency is amount is {$3500.00} higher than on the promissory note. The additional amount was added onto the subsidized loan. 

I paid my student loans off in XXXX. I paid large lump sum payments in XXXX, XXXX and XXXX that should have been applied to the principal. But instead, they were used to pay interest and principal. 

I only have part of the Financial Activity Summary, but so you know, the lump sum payments I made were divided and some were applied to the subsidized loan and some to the unsubsidized loan. 

Please help me get this fixed. This loan was paid off years ago. It wasn't until a few years ago that I received a collection call and then discovered that the Servicer showed me to owe a few XXXX dollars when I last paid the loan. That few XXXX and turned into over {$14000.00}. I believe that the inaccurate ledger of AES, the servicer is to blame for the problem.