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

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


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

I, the consumer and natural person was denied credit by Comenity Capital Bank when I applied for {$11000.00} for a dental procedure with XXXX XXXX XXXX I, the consumer entered into XXXX credit transactions with Comenity Capital Bank that took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The transactions was of no benefit to me. That action was a willful act to disregard 15 U.S. Code 1602p. This is solid proof of the unauthorized use of my credit card by Comenity Capital Bank. My credit card was charged directly by your company with willful intent to deny me of my right and defraud me of the money obtained through this transaction. 

As the cardholder my credit card was used to apply for credit. Each time I was denied my right to credit which is unlawful. I, the consumer exercised my right to credit in good faith and was discriminated against without the proper explanation. According to the Dodd-Frank Act amendments creditors are required to provide applicants with written valuations developed in connection with all credit applications. Comenity Capital Bank did not adhere to the ECOA or provide the consumer with where they got the information from that caused the illegal denial.
Product: Credit reporting

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX/VXXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Debt collection

ONE ADVANTAGE LLC ACCOUNT NUMBERs : XXXX XXXX XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ONE ADVANTAGE LLC or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ONE ADVANTAGE LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Bank account or service

On XXXX/XXXX/16 I used PayPal to reserve a hotel room through XXXX ( who claimed that payment was not required until the day of check-in - XXXX/XXXX/16 ). Within 5 minutes of booking, I realized the hotel was not going to work for my purposes, and cancelled the transaction through XXXX ( for which I received a cancellation notice ). In my PayPal activity, I could see both the pending charge and the pending credit ( which I assumed would cancel each other out that evening ). While the funds were immediately held in my linked checking account by PayPal, to my surprise that evening ( XXXX/XXXX/16 ) they debited my checking account for the $ XXXX room fee, but did not issue me the corresponding credit that they received from XXXX. 
When I realized this, I called PayPal on XXXX/XXXX/16, and was told that this is because it takes 3-5 business days for the payment to process through the ACH system. When I enquired why the funds were immediately taken from my account ( despite the representation by XXXX that I would not be charged until check-in ), the PayPal representative explained that they had to credit XXXX, so they paid them from their funds. Logically then, I asked why they were holding my refund monies, since when XXXX processed the refund on the same day ( within 10 minutes of the original transaction ), they must have received the funds that evening in the same way that they 'd taken them from me. The PayPal supervisor then tried to explain that they were entitled to hold my funds, as they were still waiting for the monies from my bank to come through the ACH systems ( which is complete nonsense ). He indicated that my funds would come back into my PayPal account ( not my checking account by Wednesday - XXXX/XXXX/16 ) and I would then have to request the transfer to my bank account which could take another 3-5 business days. Therefore the total time frame from beginning ( charge ) to end ( refund ), despite the fact that the XXXX transactions occurred within 10 min of each other, would be approximately 10-12 days ( depending if there were 2 weekends or not ). When I asked him where it was disclosed that PayPal was earning interest on my money, he first indicated that they were just a processing company and did n't actually have funds. However I reminded him that he told me originally that they ( PayPal ) had paid XXXX immediately ( despite according to XXXX they were not required to do so ), and they had to have " funds '' to be able to do that. He then walked this back and said it was in the companies disclosures. I have gone back through the PayPal disclosures and can find no evidence/admission that PayPal is earning interest on our funds by utilizing their bogus 3-5 business day window for ACH processing ( which is 1-3 days, depending on if it is a weekend ). Not only is PayPal not disclosing this fact properly, but they violated what XXXX advertised by debiting my account immediately, AND are not applying the same principals to me ( the consumer ) that they are applying to XXXX ( the merchant ) ( by giving them immediate credit, but not doing the same for me ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a Furniture/leasing loan that was opened XX/XX/year> under the account number XXXX XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as 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: Mortgage

Every XXXX for the past 3 years the new servicing mortgage company, SPS Select Portfolio Servicing, doubles my mortgage payment owed. The loan was originated by XXXX XXXX Bank. Now they claim I am 3 payments behind. I have sent complaints about this every year to CFPB showing and explaining this. It is illegal and unfair practices. This is also a HARP loan and as such regulated further against discrimination and unfair practices. 

The regular monthly payment is {$730.00} Now they are saying I owe {$2900.00} even though I have made 12 payments every year without fail on this loan. They just keep illegally adding an extra payment every XXXX. I have written to them about this more than once and they ignore me and in fact charge me additional late fees and fines. I must also write XXXX on this.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 2023
Product: Payday loan, title loan, or personal loan

I was initially looking for a loan to pay off my medical debt and other expenses so I applied online. Then a man claiming to be from speedy cash called me saying I was approved for the loan amount he said his name was XXXX. I checked online to see if speedy cash was a scam or a legitimate company it said the company was legitimate. He sent me a loan application to to sign on the speedy cash letterhead with correct grammar and language. I signed and dated it as well as sent a picture of my drivers license like he requested. He said in order to receive the loan amount of XXXX I needed tp first purchase a prepaid gift card at my local XXXX with XXXX $ on it and then send him the gift card information then they would send the money back tp me along with the loan account via my bank account information. He said because of my bad credit that would make it look like I had already paid off a loan with them and therefore they would be willing to loan me a greater amount. So I initially loaded a XXXX gift card with XXXX $ dollars and sent him that gift card information. He said it wouldnt work because the care had to be worth the exact amount of the loan which was {$290.00}. I proceeded to repeat the processs with the correct amount on the card. After which he returned the XXXX to my bank account assuring me the XXXX would come later that night. This was on XXXX  night. I assumed because of the weekend and the bank holiday the payment hadnt processed yet. But when I tried calling his direct line back no answer. So I called speedy cash directly. They has no record of an application or loan and informed me it was a scam so now I am reporting it to the appropriate authorities. This man has my drivers license and bank information and Im terrified of what he will do with it. Please help.
Product: Consumer Loan

I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act CB INDIGO, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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

My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
Thank You,,
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXXXXXX XXXX part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I opened an account with XXXX XXXX IN 2013. The issuing bank was XXXX XXXX. Shortly after, the account was converted to a XXXX XXXX account. Apparently at some point the account was purchased by XXXX XXXX and converted to XXXX XXXX. I was not aware of this change until I received a bill stating I was past due. I immediately called asking what this card was and was informed of the change to XXXX XXXX XXXX. I explained that had I known the account changed and I owed the balance I would n't have defaulted. I paid the balance in full and was informed the account would be corrected to NEVER LATE and closed. The account should be reported as XXXX XXXX XXXX with a {$0.00} balance and never late. All information they have reported is incorrect and should be corrected and updated immediately.
Product: Credit reporting or other personal consumer reports

There are late payments on this account ( XXXXXXXX XXXX XXXX XXXX XXXX which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting

After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also Experian had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.
Product: Debt collection

I have many issues with this collection agency. 
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced. 
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information. 
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.
Product: Debt collection

Saturday XX/XX/XXXX, the first text message came to my private phone which I did not authorized then to contact, then text again XXXX, XX/XX/XXXX and also e-mail on XX/XX/XXXX which I did not authorize. the text messages and emails are attached with my responds.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX  service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.