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

This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX XXXXXXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Product: Checking or savings account

I did not authorize a transaction of {$550.00} on XX/XX/23 this transaction was made on a card that was reported missing LAST YEAR. I have started a charge dispute. The bank says wait XXXX days. That is completely unacceptable. I demand my money he returned immediately. I also request that CashApp XXXXXXXX XXXX be fined for violating the law and refusing to work with me.
Product: Checking or savings account

I filed so many dispute with this company ( CASH APP ) but they all got denied thank you to this complaint I was able to recover some of my money back but there two more transactions that I was not authorized by me! Equaling to {$32.00} and {$14.00} all by XXXX My cash app is XXXX XXXX XXXX XXXX XXXX ) please help me send this complaint to cash app for their terrible customer service. 


XX/XX/2023 lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use one of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXXXXXX XXXX  ) then it powered off 20 min later couldnt track it so I filed a police report and now its been days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Talk to XXXX XXXX about the debt i paid in full with XXXX XXXX XXXX was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid American Express {$1400.00} to have my account updated from delinquent charge off to pays as agreed. Account still reported as paid charge off account closed by credit grantor.
Product: Mortgage

There was a lis pendens against my property, which I have retained my own attorney and got it resolved immediately and reported back to shellpoint, as my mortgage lien holder.

However, they first illegally stop taking payment from me. Then bill me an outrageous unexplained " litigation cost '' of {$4700.00}. I called the customer care many times, but they refused to help. Told me to contact " XXXX '' which i did many times never got a reply. 

I have also mailed them qualified written request which i never got a reply.
Product: Checking or savings account

I was charged 2 XXXX  fees, XXXXne was valid as I did not complete a transfer to cover it. There was a second charge that I quickly transferred the amount to avoid 2nd fee and they still charged me XXXX When I had spoken to the branch they were going to submit a complaint for me but I heard nothing back. The call center refused to refund this amount claiming the system does not permit it
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed account not reporting properly and accurately! I have a late payment on my account and was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy! This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2024. Im requesting you investigate and provide verifiable proof with records showing that i had late payments. If this cant be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Product: Consumer Loan

I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX MI XXXX, while my credit report shows an outdated address of. XXXX XXXX XXXX XXXX XXXX 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. I request that my current address be updated accordingly Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my license, a copy of my SSN and a utility bill, Request for Confirmation : I request that Equifax Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, XXXX, and Transunion remove fraud alerts. Thanks
Product: Payday loan, title loan, or personal loan

I completely paid off my XXXX XXXX Account Loan on XX/XX/2023 and have yet to receive the the payout of {$720.00} that was promised once the loan was paid off completely. 

After the account was already paid off completely, I received a request to send in documents to verify my ID, and bank account. 

I provided a picture of my ID, SSN card, a picture of me holding the ID and a copy of my bank statements on XX/XX/2023 but have yet to hear anything back from them. 

I've initiated multiple chat sessions where I'm told that someone from a different deparment would contact me soon but have yet to receive one communication. I've also emailed their Disputes department just to be told that someone would contact me within 48 hours but have still not been contacted once. 

This loan was held as security and would be payed to me once I paid off the total amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to Experian credit reporting company. 

This Credit bureau stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Debt collection

The following debt doesnt belong to me and i did not authorize this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for violation of account OFFICE OF THE ATTY GEN XXXX and remove all lates from this account and update my credit report because you are reporting inconsistent information. Not only are you reporting absolutely incorrect payment information such as 120 days when there are no prior late payments, XXXX and XXXX report this account as paid as agreed. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting incorrect and misleading information. I have attached my credit report to show the erroneous errors and conflicting information. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not updated, and payment is not received, I will forward this information to my legal attorney. Delete aforementioned accounts. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Vehicle loan or lease

I am writing to formally file a dispute against Capital One Auto Finance for their failure to comply with U.S. Code 6802 ( Protection of Nonpublic Personal Information ), specifically regarding my right to opt out of the reporting of a charge-off to credit reporting agencies. 

Background Information Account Holder Name : [ Your Full Name ] Account Number : [ Your Account Number ] Date of Charge-Off : [ Date ] Date of Incident : [ Date you became aware of the issue ] Contact Information : [ Your Phone Number, Email Address, etc. ] Details of the Dispute I have reason to believe that Capital One Auto Finance has violated the provisions of U.S. Code 6802, which outlines the obligations of financial institutions to provide their consumers with the option to opt out of sharing nonpublic personal information with third parties. Specifically, in this case, Capital One failed to provide me with the option to opt out of the reporting of a charge-off related to my auto loan account. 

Additionally, this failure is in violation of the requirements outlined in : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which mandates financial institutions to establish appropriate standards to safeguard customer information.

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), which requires institutions to clearly and conspicuously disclose their privacy policies and provide the customer with notice of their right to opt out of certain disclosures. 


Despite the charge-off, I was not given the opportunity to opt out of having this information shared with credit reporting agencies, which has negatively impacted my credit score and financial standing. As required under the statute, Capital One should have provided me with the necessary notice of my rights and the option to prevent this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion by numerous experience a great scam- denied credit once again- Thank you, xxxxxxxx, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Serious delinquency Too many inquiries in last 12 months Amount owed on revolving accounts is too high Length of time revolving account has been established This agency never reports accurately and only real time is a negative, balances always wrong and inaccurate causing denied credit -higher rates and financial impact. Do not look toward the CFPB to do anything they are worse then the agency complained about- another facade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely amended : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. XXXX had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The XXXX website states, " The status of your student loan ( s ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my credit score at all three credit reporting agencies as of 1.18.24 ( Equifax, XXXX, and XXXX ) and my XXXX account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.
Product: Credit card

On XX/XX/XXXX, a payment was made on my Citi Bank credit card account, originating from a checking account with insufficient funds. The payment was intended to come from a different checking account, which had sufficient funds to cover the transaction. Unfortunately, there were two checking accounts linked to the card, and the system automatically selected the account with insufficient funds. Despite the desired account being set as the " primary '' account, the payment was processed from the wrong account. This issue has occurred before. The checking account with insufficient funds was supposed to be removed after the initial incident, but due to a failed attempt and a complicated user interface, this was not completed. 

Upon realizing the mistake on XX/XX/XXXX, a second payment was made immediately from the correct account, for the same amount. The payment was successfully processed before the due date, ensuring that it was not late. 

Despite this, Citi Bank closed my line of credit, stating that I forfeited my rewards {$1700.00} earned from the previous year and {$270.00} from this year. When I contacted them to request the rewards for the previous year, I was informed that they would not be granted. I also attempted to reopen the credit card to preserve the rewards but was denied. 

It is highly unethical for a major financial institution to withhold rewards that were earned and were just days away from being redeemed, especially when these rewards were earned through responsible use of the card in the prior year
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DISCOVER CARD ACCT XXXX XXXX XXXX I was unable to keep up with the monthly credit card payments in XXXX due to financial hardships Before & After the COVID pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was supporting another XXXX XXXX also. I was helping other family members living in the XXXX who needed financial help due to major health issues and Typhoon storm disasters. My income source as a XXXX XXXX was always unstable and required. long grueling hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following accounts 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 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I was in the hospital at XXXX XXXX XXXX XXXX for 8 days in the later part of XXXX and the first part of XXXX in 2017. 

Because of my financial situation, I applied for and received charity from XXXX XXXX XXXX XXXX for this hospital stay. I am including the three letters that I received for charity, which includes the amounts and the dates of coverage. 

Last month Alliance Collection Service in XXXX Ms , put 3 collections on my credit report that was from these dates. They are as follows : XXXX XXXX   {$620.00} -- -- -XX/XX/2017 XXXX XXXX {$770.00} -- -- -XX/XX/2017 XXXX XXXX XXXX {$680.00} -- -- -XXXX 2017 I have contacted XXXX   XXXX  and they have referred me to the Medical Billing Office to where the charity dis located, There is not a number for XXXX XXXX XXXX that I can find except for the main hospital phone number. 

I have spoken with XXXX and XXXX/XXXX ( not sure ) at the Medical Bulling Office and have faxed 6 pages showing the collection letter form Alliance and my charity letters. They have been professional and told me that they would contact Alliance, but I have not received any letter confirming this and the charges are still on my report. 

The numbers that I have are : Alliance Collection Service -- XXXX XXXX XXXX -- XXXX Medical Billing Office -- XXXX
Product: Debt collection

I have disputed this account and asked for verification as per the fair credit reporting act. All I got was a copy of some bills. Nothing with my signature, social or copy of my ID. I don't even have a copy of any contract. This account isn't mine so in the middle of disputing now they are being sneaky and trying to sue me now that I am disputing this and they have no proof. I want all the information I'm asking for. I do not owe {$750.00} + {$50.00} filing fee+ {$7.00} service fee= {$800.00}. What is owed is how someone can open up an account in my name and me dispute it and the company not provide me with anything but saying they verified this account is accurate but how? Because I'm still waiting on proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Product: Credit reporting or other personal consumer reports

My information along with XXXX XXXX others was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent information.