23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

RBFCU processes my paycheck a day early and advertise as processing direct deposit paycheck up to XXXX days early. I am a single mom who just graduated and moved to a different city and have been relying on short term loans to buy groceries and pay bills until I can get ahead. These short term loans are deducted from my account on the day I get paid based on past direct deposits from my employer, which has happened every Thursday. This payday my paycheck went through on Friday as opposed to Thursday. When the short term loan payments went through some were included with a curtesy fee program, accruing charges of {$24.00}. The next few transactions were declined and also assessed {$24.00} insufficient funds fees. In total I was charged XXXX fees totaling {$160.00}. I spoke with RBFCU and they said that my direct deposit wasnt sent to them until Friday. I asked what time it was sent and they couldnt give me a specific time. They refused to reverse any fees, despite no previous overdraft fees or insufficient funds fees.
Product: Credit reporting or other personal consumer reports

Someone stole my identity at XXXX XXXX and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.
Product: Debt collection

A complaint was submitted on XXXX/XXXX/2015 ( XXXX/case # XXXX ) regarding Arnold Scott Harris , P. C. I received a collection letter dated XXXX XXXX, 2015 Notice # XXXX Account # XXXX Installment Payment {$24.00} Payment Plan Balance {$300.00}. This issue was suppose to have been resolved in XXXX approximately 4 months ago, and yet I received another collection notice which is n't for me. The individual is XXXX whom I do not know. I 'm certain in a 4 month period Arnold Scott Harris, Attorneys at Law could utilize better methods of locating the correct individual if need be. This issue was extremely stressful to me 4 months ago, which apparently was all for nothing and time consuming but I still have to do my part to inform this office since I 'd done so prior.
Product: Credit reporting or other personal consumer reports

For over 12 months, I have been disputing unauthorized accounts and inquiries reported by XXXX. Despite submitting comprehensive documentation that includes police reports and an FTC report, these inaccuracies remain on my credit profile. These documents confirm identity theft, providing substantial evidence that should prompt immediate action to remove the disputed items under the Fair Credit Reporting Act ( FCRA ). 

I have also submitted evidence from other credit bureaus, which, upon investigation, deleted the same entries from my report after confirming their unauthorized nature. Despite this, XXXX has continued to report the following items : Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Actions Taken by Me : Documented Identity Theft : I provided both a police report and an FTC report confirming identity theft, which should prompt XXXX to investigate and delete these entries. 

Submitted Evidence from Other Credit Bureaus : Other bureaus investigated and confirmed that these entries were unauthorized, subsequently removing them from my reports. This further supports my claim that these items are fraudulent. 

Repeated Disputes : Over the past year, I have repeatedly disputed these entries with XXXX, yet they remain on my report without sufficient verification or justification. 

Requested Action : In line with the FCRA and my rights under federal law, I request that XXXX : Delete the unauthorized accounts and inquiries immediately to reflect accuracy in my credit profile. 
Provide documentation of any verification attempts if they believe these items are valid, detailing the sources and methods used.
Product: Mortgage

Applied for we applied for a refi with loan Depot and they told us they were going to do a soft pull not a hard one and it wouldn't affect our credit we got something from XXXX about an hour ago that says it was a hard pull and it did affect the credit and it's going to stay on there for a while they're lucky that's all we're doing
Product: Credit reporting, credit repair services, or other personal consumer reports

A Check n go loan popped up on my account a few days ago that is not my account, i have never had loan like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TransUnion, XXXX, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, TransUnion, XXXX and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TransUnion, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. TransUnion Commission file number XXXX. XXXX Report 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 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX will be filing form XXXX treasury XXXX forms to audit consumer 's account. TransUnion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

Over the past year I have noticed several charged off accounts on my credit reports that are constantly reporting inaccurtely. THe debts were discharged by the original creditors. Once a debt has been written off by the original creditor, it then becomes TAXABLE Income for me. I have reached out to these companies for months after months. THese companies are constantly ignoring my request and at the same time, they continue to report inaccurate information to my credit report. This is a direct violation of my rights under the FCRA. Taxable income should not be reporting on anyone 's credit profile.
Product: Checking or savings account

I am a XXXX year old XXXX Vet that operates a small XXXX XXXX XXXX from the basement from my home. I completed an on line form to receive a SECOND SBA PPP Loan on or about XX/XX/2021, however, due to being diagnosed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, I inadvertently typed in my payroll figures based on a " weekly '' sum, however, I was unable to read the online form correctly, which asked for a " monthly '' sum, which resulted in being shorted {$30000.00} of what was to be my qualified loan amount. The bank, JP Morgan Chase, account only deposited 2.5 times the weekly payroll sum of {$7000.00}, rather than the {$37000.00} I qualified for, but due to my XXXX  in XXXX XXXX, I failed to read it correctly. I am the sole income earner in a family of XXXX, my kids are of college age, which I had very late in life due to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that prevented me from having children in my first marriage. I sought to have this rectified by the bank, but in each and every instance, they stated, " sorry '' we can not assist you. I called the SBA which explained that the bank is in fact the lender and they were only guaranteeing the loans, and told me to seek help at a higher level, so I visited the bank and wrote to the CEO, but the branch manager, though sympathetic, couldn't help either and couldn't understand why the Chase PPP Department was not assisting me under these particular circumstances, however, they told me it was " too bad ''. I don't believe that I should be totally dismissed and not provided with the qualified loan, only because I am XXXX and made this error due to my XXXX XXXX. I have written to the XXXX and the XXXX XXXX XXXX as well, but this bank is so uncaring, I can't tell you, and I am in desperate straits, I have lost over 60 % of my ordinary income and in great debt, nothing I thought would happen at my age and circumstances.
Product: Credit reporting or other personal consumer reports

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This information does not belong to me and they have failed to verify this debt. 


National Credit Adjust Amount : {$400.00} Date opened : XX/XX/2020
Product: Vehicle loan or lease

we have a bad experience with Hyundai Motor Finance for the past XXXX  months since weve been trying sell both of our vehicles. Every time we call. They havent update our address for the past XXXX  years, even tho my husband calls them every month to make a car payment ( since thats the only way to do because we are overseas ) and he gives them a new address. We call them every XXXX days for the past XXXX weeks and every time we get information to request a copy of the title was put in the system and we will receive it in XXXX to 5 days, but never receive it The same is about when we ask to get a permission to sell letter. Now we called and suddenly they dont even know that our car is overseas and tell us that we havent payed since XXXX, which is not true. 
Every time they push us away, give us wrong information etc.. 
We are overseas because my husband is in military. We are trying to sell both of our cars ( XXXX to dealerships and XXXX to a person who has money ready to transfer to pay off car ), but in XXXX to do so, we need a copy of the title. The Hyundai finance company doesnt want give it to us since we havent payed the car off, but we dont want original, we just need a copy of it, but the thing is we just got the title of the car that we are selling to the dealership without them paying it off yet, but we are not able to get XXXX for the XXXX  car. 
This is very stressful situation and they are useless and we are about to loose potential buyer and we wont be able to keep paying car off.
Product: Credit card

LVNV has been reporting several accounts as being closed on my credit report. I reached out to this company last year requesting validation of said debt and no response was given. This company is reporting closed accounts on my credit report and I have not had any agreement with this company. They have four separate negative remarks across my credit report and is trying to intimidate me into paying them when they have already wrote the debt off and has had their company credited. So not only have they already received said funds they are now attempting to double dip by pressuring me into payment. The negative remarks on my credit report have hindered me from any new credit opportunities and I would like to be compensated for that. I also would like to share that the company failed to send an opt out notice therefore not allowing me my right to choose. Per FCRA as a Federally Protected Person I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and or non verbal. Per 15USC 6802 ( B ).
Product: Credit card or prepaid card

Every month I use XXXX to buy things I may need. But every month I get through the whole purchase and realize that the card information is taken and the purchases have been going through then the company of XXXX closes the page and I can't get back to it to see if it was paid or not and I checked XXXX turns after never getting the things I bought and they have been going through for the girl across the street to rip off my card on some internet fraud scam they hooked my laptop up to.amd I have called 50 times to discuss it and the company won't talk to me so she has manipulated them as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requesting names that need to be on my First Progress Card, Account. addressing the issue with my credit report : This not a complaint I'm facing identity theft don't want to send any documents through the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> First Progress Card XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear, First Progress I hope this message finds you well. I am writing to formally request an update to the names listed on my first progress card due to inaccuracies that are currently affecting my credit report. 

It has come to my attention that the names associated with my account do not accurately reflect my personal information. This discrepancy is causing issues with my credit report and may impact my financial standing. 

For your reference, names I use details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX these names are associated with my Credit report. 
# I kindly ask that you update the records as soon as possible to prevent any further complications with my credit report. I appreciate your prompt attention to this matter and look forward to your confirmation once the changes have been made. 

Thank you for your assistance. 

Sincerely, This has messed up my credit report XXXX deleted my first progress credit card account yesterday.
Product: Debt collection

I was doing my regular check on my XXXX account and noticed this company by the name of FIDELITY CREDITOR SERVICES last year trying to collect an alleged debt of XXXX XXXX and something dollars and change so I disputed it and I received a response back saying that their license was pending at the time I disputed it last year sometime so XXXX did nothing and after that, the debt went up to {$1000.00} a course I was outraged because the date on this says XX/XX/2016, it doesn't reveal when they took over to come after me but so I reached out to them personally this time but beforehand I searched for there company on XXXX XXXX XXXX and found out that they are not licensed and authorized to collect or operate in the state of Florida so there violating my consumer rights at this point now that's not the only violation the next one ( 2 ) would be I never gave the original furnisher written permission to put anything on my credit profile 15 USC 1681b2 and they have no Permissible Purpose by law to report, sell or share my personal information to any third-party reporting agencies or persons, This is Identity Thieft, Aggravated Identity Thieft according to 18 USC 1028A ( 3 ) According to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) 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 violations mount up but more importantly the time and energy and I have had to put into this is what has been draining for me XXXX refused to do their job and this company is operating outside of the law and thinking they can get away with it. This has hurt me financially and mentaltitly I sent this letter that I will attach to them on the XXXX of this Month and have not gotten a response because my profile on XXXX is the same I gave them 10 days to respond and that time has come and went, I need this inaccurately reported information Deleted asap and this company flagged from doing business in the state of florida
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy was XXXX on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.
Product: Mortgage

I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report . 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to TransUnion, but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against the CFPB sues TransUnion for not investigations of credit report errors, TransUnion does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing.
Product: Prepaid card

Received message about a pending transaction which I did not authorize. Notified Cashapp and blocked the company. Cashapp said they will not dispute any pending transations on my prepaid card. I would need to wait until the pended transaction, which i blocked beforhand, was processed by cashapp until i can attempt to dispute an unathorized charge. Not sure why the company is able to submit an unathorized payment request on a prepaid card, or why cashapp is unwilling to attempt to stop the unauthorized request form being processed. Then the unauthorized pending charge was in fact debited from my prepaid account. I attempted to submit a request to reverse the unathorized charge for the blocked company and was told that prior to submitting my request, i am required to disclose my trust 's social security number to verify my identity. This is on prepaid account and a request to simply reverse an unathorized charge. All my protected information was provided prior to opening the prepaid account years ago. Because i declined to redisclose a social security number for idenity verification only, i was denied service. I then requested the company remove all my information and close the account as a whole. Which they have not done. I understand verifying idenity to open or close an account, but demanding a social for identtification on something prepaid is wrong.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>