23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Equifax credit report. Despite XXXX prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate XXXX late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date of Last Activity '' ( XX/XX/XXXX ) and " Date Reported '' conflict with payment history records, indicating incorrect reporting. 
Inaccurate XXXX XXXX : The XXXX late payment for XX/XX/XXXX is inaccurate and unsupported by payment records. 
XXXX XXXX : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers.

PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting.

Desired Resolution : Immediate removal of the inaccurate XXXX late payment from my credit report. 
Written confirmation of the corrections made. 
Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
Hyundai is a XXXX company, For XXXX XXXX years, I was with them, the Hyundai finance XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because Hyundai finance XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX Hyundai Finance Company has been to many of us.
Product: Vehicle loan or lease

On XX/XX/17 I went to XXXX of XXXX for a new XXXX. During the signing of the contract I agreed to pay {$550.00} a month for the car and trade in I had. After I had signed the contract it stated {$550.00} a month. Then I get a call from the finance Co. XXXXXXXX XXXX XXXX the guy stated during the call, " he was calling to confirm the payments for {$670.00} a month. I then was frustrated because when I signed the papers it said {$550.00} with a a guy named XXXX who works at XXXX of XXXX. So I go back to XXXX of XXXX and confront XXXX during our conversation he pulls the contract out and shows it to me. I have my cousin in the room with me. So while looking at the contract my signature was change and the monthly payment also along with my trade in value and they added a {$10000.00} buy out i never agreed to. I snacted the paper off the desk and told XXXX this was not what i agreed to. He turns red aggressively asking me to return the paper. I said why did you change the information after I signed the paperwork. So then XXXX agreed to change it to {$550.00} after all the commotion. So I figured everything would be fix after this but, it wasn't XXXX done the paperwork and the next call I got from XXXX XXXX XXXX the guy says your payments or {$640.00}. So this is the 2nd XXXX change the information on the contract. I called for months up to XXXX of XXXX to speak to whoever owns the company they gave me the run around he never returned my calls at all. So I brung this issue up to XXXX XXXX XXXX. Mind you I was never late on any payments trying to figure out how to handle this issue. No lawyers in Delaware handle this kind of case which I find very strange. I tried everything. I keep reading over the contracts for months seeing how this guy XXXX XXXX me around to cheat me out of the money. I really work hard for every day. Then after months of searching I found you guys to try to help me with this issue. So XXXX of XXXX came got there car and sold it with out me knowing about this. Then they send me a bill for {$12000.00} which I do not owe them any money. I had the car 10 months payed on time everytime. I put {$4000.00} down and a trade in. They have reported false information to all 3 credit bureau, that I will liked removed. They stated to the credit bureau that this dept is in collection which is a lie and that they wrote it off as a bad dept. I haven't seen a judge for this matter at all. I had my legal office contact them on many occasions no response. The people at GM Financial left rude messages and responses when the attorneys tried to contact them and played many phone games. I would appreciate if they removed the false information from the 3 credit bureaus and quit harassing me for money I don't owe the this matter is closed with with Gm Financial and no negative remarks should be on my credit report at all. It's been on going harassment. My attorneys XXXX XXXX has been very respectful but Gm Financial hasn't cooperated at all!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, my Crypto.com account was hacked, and the hacker changed my account details, locking me out. Since then, I have been unable to access my funds for over four months, despite repeatedly following Crypto.com 's verification process. 

I have provided multiple video verifications and answered all security questions, yet every time, Crypto.com delays my case, gives conflicting answers, or restarts the process from the beginning. 

On XX/XX/XXXX, I was told that my account was fixed and that I would receive an XXXX to log in. I never received that SMS. 
XXXX ], I contacted support again, and they claimed they could not locate my account, even though I have been speaking with them for months. 
Crypto.com keeps looping me through the same process, asking for verification over and over but never actually restoring my access. 
I have substantial funds locked in my account, and Crypto.coms failure to resolve this has caused significant financial and emotional distress. I demand that Crypto.com : Restore access to my account immediately Provide a clear resolution and timeline Explain why they have mishandled my case for XXXX months Crypto.coms lack of transparency, security, and customer service is unacceptable. I am seeking immediate action to recover my account and funds.
Product: Credit card or prepaid card

My name is XXXX XXXX and I contacted Syncrony Bank via online chat on XX/XX/20 and I chatted with an agent that first off did not provide their name and that advised that I had to enroll in e-statements in order to view previous statements. The representative in my opinion was robotic and scripted. I felt that I was forced to enroll in e-statements instead of just being able to view previous statements whenever I wanted.
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 Bureau 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 : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ 452 Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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

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

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

Transunion is making money off of peoples information. 

I did not file Bankruptcy in XX/XX/2013 someone else did with a similar name but the Bankruptcy is showing on my repor.t
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern.

To begin addressing this issue, I request the following : 1. Please place fraud alerts on my credit files with XXXX, XXXX, and XXXX to ensure additional verification is required before any new credit is opened in my name. 

2. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm.

I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.
Product: Student loan

I called MyFedLoan just few days after they announced " Debt Relief '' for student loans to get my {$1200.00} back that was paid during the pandemic forberance period. They processed my request, but didn't gave me any confirmation number as they mentioned they will have to do it manually. To this date, I have not yet received any funds back in my bank account. I called in about 6-7 weeks ago and I had to restart the process again.
Product: Credit reporting or other personal consumer reports

The following information is inaccurate or incomplete and needs to be removed immediately : Syncb/care credit I recently seen my credit report and I have a charge of account written off 15 USC 1692k . The information was sent over to a collection agency. Also I didnt receive a 1099C form. according to the fair credit reporting at you have violated my rights with fraudulent action. In addition 18USC 1028 aggravated identity theft 15USC 1681b permissible purpose FCRA section 605b 605c and I did make a complaint with the FTC
Product: Mortgage

I HAVE APPLIED FOR A VA IRRRL REFINANCE. I CALLED PENNYMAC MY CURRENT LENDER FOR THE LAST 3 WKS TO PROVIDE A COPY OF MY NOTE ; WHICH WAS NOT INCLUDED IN MY TITLE PAPERS. HOWEVER, EVERYTIME I CALL I GET A DIFFERENT RESPONSE AS TO WHY I CAN NOT OBTAIN THIS DOCUMENT. 
THE LENDER I APPLIED NEEDS TO NOTE TO COMPLETE THE LOAN PROCESS.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I wrote letters to XXXXXXXX XXXX to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, Equifax and XXXX to have them removed and I was referred back to the company.
Product: Debt collection

I've disputed this account numerous times with the credit bureaus and with the company too. I do not have a contract or agreement with this company at all and never committed to what they are claiming. They also have violated consumer protection laws such as 15 U.S. Code 1692b - Acquisition of location information, 15 U.S. Code 1692f - Unfair practices, and also denied receiving a certified letter I sent to them to resolve this issue. Last but not least they do not even have a license to collect debt in the state of Illinois too. I'm in distress about this and need this account deleted from all 3 credit reporting bureaus immediately!!! 

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

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from this account. XXXX and remove it.
Product: Credit card

Account number XXXX with Montgomery Ward was charged off in XX/XX/2013. This account should no longer appear on my credit report. However, the company Montgomery ward continues to report historic information to my credit report. I have attached the original document which shows this account was charged off in 2013. The same account number is now reporting as Swiss colony/montgomery on my credit report. This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. Dispute numerous disputes XXXX has fail to investigate and continuously allowed this company tarnish my credit report. I am requesting {$7500.00} for the stress and financial damages inquired due to XXXX 's negligence and failure to update my credit report properly and in a timely manner. I also demand XXXX to remove this account from any credit report immediately!
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 
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  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX combat vet who lives in XXXX XXXX and do come to Texas every 3-4 months to see XXXX XXXX XXXX I do have US creditors, but I can assure you that I did NOT apply for a credit card over this past weekend or in the last 3 months. 

On Sunday XX/XX/2022 " XXXX XXXX XXXX XXXX '' did a " hard inquiry '' on my credit report, which I have already disputed with the Credit Bureau. I am concerned that there was an identity theft attempt.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX or on XX/XX/XXXX I called in to Acima to ask them not to bill be and to hold my payments. They told me on both dates that they had put a block on my account and that all I needed to do was to just call in to restart payments or send in mail. 

on XX/XX/XXXX the sent a eft to my bank the amount of XXXX. after they told me they would not. 
so that was a XXXX plus the XXXX bank fee. 
then it kept going on as follows. i ask the bank to stop acima they said they could not so i called asima they told me that they didnt attempt to get money all those time now i owe the bank XXXX in fees. 

XX/XX/XXXX COLLECTION FEE XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX MAINTENANCE FEE XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX OVERDRAFT FEE fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX and also another collection fee from bank
Product: Debt collection

I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called to XXXX Credit card services for a credit inquire to be removed, because its not mine they cant find my information but in the same time they cant report to credit reporting agency that its was there mistake because of company regulation