23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.
Product: Credit card or prepaid card

I have 2 hard inquiries that I dont recognize. I think at those 2 time that I applied for credit card but got denied.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time.

Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

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

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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, credit repair services, or other personal consumer reports

On XX/XX/2022 Suncoast Credit union florida notified me that a fraud had occured on my suncoast credit card. I blocked the card number from further use and they reissued a new card. I was fully reimbursed. I told them both cards, my wife and mine were locked in our house and we stopped using that card 2 years ago. Then as a victim of this theft via use of the credit card number the credit bureaus, all three sent me stating I had reported my card lost or stolen and that as a crime victim this could. lower my credit score. I told Suncoast their report to the credit bureau was false that one can not be hold in credit card on their hand and claim that the same card is stolen or lost. Suncoast tried to make me sound negligent in the number of card being used. In fact, I wonder how they did get my number as the two cards are locked in the house and have not seen the light of day in two years. I suspect it was a data breach at Suncoast. What I was told at suncoast credit union was that theft or loss of a credit card is the same as someone having stole only the number and used it. At anyrate as a crime victim, My credit score may well be lowered at all three bureaus through no fault of my own and false reporting by suncoast credit uunion which they did with intent. If a person holds a nickel in their had, that nickel is not lost or stolen but rather it is in their hand.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for a personal loan in the amount of {$4000.00} through an application they can be found on the XXXX XXXX made by a lender called Upgrade I entered all my personal information and banking information. I was approved officially for the loan after verification of bank account and identity being identical occurring on XX/XX/XXXX Saturday XXXX on XX/XX/2021 was the approval date. When I called in today XX/XX/2021 they didnt have the same bank account on file and when I called the bank they said nothing was pending deposit from the verifying creditor ( upgrade. ) So when I called them back they refused to remedy the issue and deposit the funds in the proper bank account that shows as the automatically paying bank account and the bank account on file. I never received the loan.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

The fraudulent information includes the following : Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The 3 Credit Bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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, credit repair services, or other personal consumer reports

Looking through my report and I still notice the accounts that I've previously filed XXXX on the following : XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom  it May Concern, O n or about  XXXX   XXXX ,  XXXX , I consolidated my debt and applied for a home equity line of credit with Bank of America to pay it off. The original documents show that the line of credit amount applies for as a revolving credit arrangement was {$65000.00} which would be advanced to me at my request. So far the amounts requested as of  XXXX   XXXX ,  XXXX  total {$5200.00}. Payments were being automatically deducted from my checking account (  XXXX   ) to  Bank of America each month to satisfy these amounts per there instructions. On or before  XXXX   XXXX ,  XXXX , I contacted Bank of America to inquire about the terms of the line of credit and the payments made against it and was notified that the loan amount had not yet been satisfied. It was brought to my attention by the Bank of America representative that the line of credit amount was instead increased by approximately {$59000.00} on  XXXX   XXXX ,  XXXX  and automatic withdrawals would continue until the full line of credit was satisfied. At that time, I notified  XXXX  to terminate the payments to Bank of America Bank and decided to make check payments to Bank of America until I could determine the extent of the error with the line credit amount from bank.   I have contacted numerous representatives at Bank of America including the  Executive Management team of the Bank of America Fraud Department (   XXXX   XXXX ,  XXXX  ),  XXXX   XXXX ,  Manager, Home Equity Fulfillment  Department and local  XXXX  Branch Manager,  XXXX   XXXX   (   XXXX   XXXX ,  XXXX  ) on multiple occasions to request copies of any documentation confirming my transaction for advance of the additional loan amount of approximately, {$59000.00} which I contend is an error. So far, Bank of America has refused to provide the requested documentation and instead repeatedly sends me all the payment and account transaction history statement of the payments which where automatically deducted from my authorized  XXXX  checking account and the subsequent check payments I opted to send in lieu of the latter automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing my student loans accounts open and into collection. My student loan should be deleted from my credit line due to my school and the collection agency losing a lawsuit filed against them. They no longer were able to gain any money from students due to them losing the lawsuit. I have got my student loans deleted and closed off on my XXXX and XXXX credit score due to the evidence given to them. Transunion is still showing my accounts open. I need to dispute this again due to me no longer being responsible for these accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, XXXX XXXX and Affirm falsely in my name. I have never requested any cards or products if XXXX, XXXX XXXX or Affirm. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company AFFIRM INC in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO AFFRIM AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, AFFIRM XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.
Product: Credit reporting or other personal consumer reports

It is unjust that despite my consistent on-time payments for this account, I am faced with this situation. Please rectify my account to ensure accurate representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I filed bankruptcy XXXX  XXXX, which was discharged from Aspire credit card. They have on the automated system I owe {$1100.00} and a payment of {$600.00} is due in XXXX. I told them to delete this file I have a discharge order from the judge dated XX/XX/22.
Product: Credit reporting or other personal consumer reports

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. 

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 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 an 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.
Product: Checking or savings account

I opened my Ally.com bank account in XXXX of XXXX. Last month, on Friday XX/XX/XXXX, I e-deposited two checks of a close family friend and his elderly mother in the amount of {$1200.00} and {$730.00}. The checks were to reimburse me for airline tickets, I made for them with XXXX XXXX  and XXXX to fly between XXXX XXXX and XXXX XXXX for family functions the year prior, as I put the charges on my credit card. ( In away it was a loving kindness on my part to them, as I laid out the money, and waited for almost a year to be reimbursed ). 

Then middle of the night, on XX/XX/XXXX, I got an e-mail " Action Required : Call us to verify some information. '' We restricted your accounts because we detected suspicious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts.Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX and on weekends from XXXX XXXX XXXX XXXX XXXX So I called Ally Bank immediately but was told their Loss Prevention department is closed, and I called again during business hours and the agent talked with an extremely pleasant and friendly tone, asking me a few questions, and she told me that they are going to investigate, and if the checks clear then everything will be okay, and my account will be re-enabled. 

On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$2000.00} | You have a debit transaction over $ XXXX : XXXX Debit Memo Date : XX/XX/XXXX On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$32.00} | You have a debit transaction over {$0.00}. Transaction : XXXX  Closeout w/ Interest/Dividend and another e-mail with the subject : Your Ally Bank account is now closed -- I got a check in the e-mail in the amount of {$32.00}, but I called the bank to speak to them, and after verifying the security questions, the representative transferred me to the loss prevention department , who again asked to verify the security questions. And then the representative immediately tells me, I can not speak to you and hangs up on me. 

I called again Ally Bank, and I explained to the representative what happened on the previous phone call. He put me on a hold for a few minutes and then transferred me again to Loss Prevention, and then the representative in a tone that sounded angry, and he was reluctant to provide any information, and I wanted to know what happened to the funds with the checks that I deposited. He said we are an FDIC insured bank and we do not keep other people 's money. They were reluctant to provide me with any further information. I have yet to receive anything further in the mail, other than a check in the amount of {$32.00} Thank you
Product: Checking or savings account

A check drawn on my XXXX XXXX Wells Fargo checking account and was paid to an unknown person not to the payee as drawn by me I reported the fraud and was told that the funds would be redeposited to my account within 10 days after they researched the transaction Ten days later I was told that forms were to be mailed to my home and must be filled out They were never received Six days later I went to my XXXX branch of Wells Fargo and filled out some paperwork and was told that the payee was now required to fill out an affidavit form I contacted the payee and he took off from two half days of work to sign these forms Five days later I went to my local XXXX branch and was told I would receive these funds maybe in 30 days 60 days 90 days or never Are these banks not responsible for the monies in their care? 
Do they not have a fiduciary responsibility?
Product: Checking or savings account

on XX/XX/year> my account with Spectrum was hacked and my identify information was stolen by a hacker who did an XXXX swap. They swapped out my phone for theirs and were able to access my XXXX  account and through that they were able to make money transfers using funds from my checking account with Chase. Chase claims that the " money transfers were valid ''. They claim it was done using my phone. This is false, as a different phone ( XXXX XXXX XXXX XXXX ) accessed my bank account on XX/XX/year> the day the fraud transactions occurred. They processed four transactions ( {$330.00}, {$35.00}, {$320.00}, and {$880.00} ) for a total of {$1500.00} ( charges posted on XX/XX/year> and XX/XX/year>. Chase issued a temporary credit but have recently reversed their decision. I have filed a police report for this. I had to close my bank accounts and open new accounts, froze my credit with the 3 credit bureaus, changed all my passwords, got a new phone, new email.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that a debt collection agency, Portfolio Recovery Associates, is showing on my credit report. I sent them a debt validation letter on XX/XX/2024. I did NOT send this first XXXX certified or with any tracking so I sent another one on XX/XX/2024 certified mail so I could confirm they received it. I sent this to the address reported on my credit report and there was either an error with the tracking tool or they never would pick it up. The mailing system apparently sent this to their XXXX XXXX XXXX I called XXXX and they stated that the letter was received, but their tracking system had an error and was reporting wrong. I then decided after several days of no update on this system and no letter from Portfolio and no deletion from XXXX that I would send XXXX final letter to Portfolio and XXXX demanding they remove this. I sent the letter to Portfolio Recovery Associates with a tracking number on XX/XX/XXXX, which does confirm that it was picked up and they received it. XXXX also received the letter I sent them demanding that they delete this since they did not really investigate this. I also sent copies of the letters and tracking information to XXXX to show that I sent debt validation letters with no response. XXXX did a two-three day investigation each time I did a dispute and keep coming back this account is mine. XXXX and XXXX deleted this account because the collection agency could not prove it was mine. At this point, I am highly upset. I had an ex niece living with me at XXXX point. We both used my address and her name was exactly the same as mine, XXXX XXXX, at the time. Her new address is showing on my credit report. Several of our accounts have been mixed up. We both went to same college, use same makeup store etc and they are always mixing up our accounts. I have divorced her uncle years ago and this is still happening. I have told them to remove these addresses etc and XXXX is just not complying. Portfolio reported as of XX/XX/2024 to XXXX that this account was mine and they " updated '' it. I have received nothing from them and XXXX literally took XXXX day on XXXX of my requests. I am so upset at this point and was advised to reach out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not accurate and need to be deleted immediately from my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX