23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Formal Complaint Against Self Lender Inc. for Unfair Practices and Potential Consumer Law Violations Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Self Lender Inc. for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Self Lender Inc. made a material change to its credit card processing system without notifying me, eliminating the ability to make direct payments. Despite my diligent efforts to meet my financial obligations, this unannounced change obstructed my ability to process payments in the manner previously established. To exacerbate matters, Self Lender Inc. began reporting late payments to credit bureaus, which has unjustly damaged my credit report and financial standing. 

This practice raises significant legal concerns : Failure to Notify of Material Changes : Under federal law, creditors are required to provide adequate notice of any significant changes to the terms or methods of payment to avoid consumer harm. Self Lender Inc. 's failure to inform me of these changes is not only deceptive but also potentially violates the Truth in Lending Act ( TILA ). 
Inaccurate Credit Reporting : By impeding my ability to pay directly and subsequently reporting late payments

, Self Lender Inc. is in potential violation of the FCRA, which mandates that all credit reporting be accurate and fair. The late payments attributed to me are a direct result of the company 's unilateral system changes and not a reflection of my intent or financial behavior. Unfair and Deceptive Practices : This situation also appears to violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ). Changing payment systems without notice and then penalizing customers for resulting payment issues is both unfair and harmful. I respectfully request that the Consumer Financial Protection Bureau investigate Self Lender Inc. 's practices in this matter. Specifically, I urge the CFPB to compel the company to : Remove the inaccurate late payment entries from my credit
report. 
Provide a clear explanation and documentation of the system changes and why proper notice was not given. 
Implement safeguards to ensure other consumers do not face similar harm.

The financial and emotional damage caused by this unfair treatment has been significant, and I trust that the CFPB will take appropriate action to hold Self Lender Inc. accountable for these violations.

Thank you for your attention to this urgent matter. 

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

XXXX XXXX XXXX  XXXX self loan still shows open and I am pay off this account date on last payment XX/XX/2020
Product: Credit card or prepaid card

I am waiting from someone in capital ones cooperate office to call me or email me I have written to XXXX XXXX and XXXX XXXX and not one time has anyone contacted me at all they refuse. everytime I call customer service I just get a supervisor and no one higher you can ever talk too getting really frustrated and want to talk to someone in ther cooperate office and have a conversation with some one there
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report and the multiple unsuccessful attempts to have these items promptly removed. The nature of this matter is urgent, and I am seeking immediate resolution to mitigate any further damage to my financial standing. 

I have previously submitted disputes regarding the fraudulent items on my credit report, and despite my efforts, these items persist. This situation is not only causing undue stress but is also adversely affecting my credit score and financial reputation. 

The fraudulent items in question include inaccurate names,, addresses, late closures and inquiries. I have attached supporting documentation, including police reports, identity theft, and other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

I understand the Fair Credit Reporting Act ( FCRA ) mandates a timely investigation and resolution of disputes, and I am disappointed by the apparent lack of progress in rectifying this situation. I request your urgent attention to this matter and immediate action to expedite the removal of these fraudulent items from my credit report. 

Given the repeated attempts to address this issue without success, I request a thorough review of my case to identify any obstacles preventing the timely resolution of this matter. Additionally, I insist on receiving regular updates on the progress of the investigation and removal process. 

I expect that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and the necessary steps be taken to ensure their swift removal from my credit report. 

As a consumer, I rely on the accuracy of my credit report to make financial decisions, and the presence of fraudulent items compromises my ability to do so. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to  execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect hard pull on my credit report from XXXX. 


XXXX XXXX pulled on XX/XX/XXXX XXXX XXXX  pulled on XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on all 3 of my credit bureau, that needs to be removed. I have called for help and have not received the help that I need for this to be remove from my credit with all false information. this account Is not mines and need to be remove from XXXX, XXXX, equifax .how can a close account report negative information. 

I hep moving these incorrectly information from my credit.
Product: Credit reporting or other personal consumer reports

After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : 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: Vehicle loan or lease

Ally Financial services. Contacted multiple Family members multiple times discussing debt without consent. Dates and voicemails have all been documented
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the ongoing and persistent failures to remove fraudulent items from my credit report. Despite multiple attempts to address and rectify these fraudulent entries, my credit report continues to contain information that is both false and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : ACCT # XXXX BANK XXXX Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Product: Money transfer, virtual currency, or money service

I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.
Product: Checking or savings account

Fifth Third Bank failed to notify me of a large number of fraudulent debit card transactions totaling approx. {$2000.00} ( XXXX XXXX XX/XX/2023 ). This was a student account. They were notified, at opening, that this account was a dedicated repository for college funds. The fraudulent activity was extremely different from my usual transactions. I have had several issues managing my account using their recommended app. Though I had push alerts set up in the app, they vanished, unbeknownst to me. 
Once I discovered the fraudulent activity, I notified the bank. I ordered a new debit card and closed the compromised account. The bank opened up an investigation, but never put the required provisional funds in during this period. The bank did conclude and denied my claim. I am still awaiting paperwork several weeks later that detail results and findings of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

Equifax reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX MOTORS XX/XX/XXXX XXXX T XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

When I was getting my car, they offered many different options for insurance and protection for my vehicle ; of course, I denied this offer because I thought I didnt need it!! So, after all, I was trying to cancel because I didnt need it. They transferred my call to other departments. All I feel so tired and I leave the things then I have there, so I have protection for pain seat and tires, and I dont even know how some of this works, I was even calling for information to make effective this insurance and they were telling me the sales person doesnt explain. I was not, but they never provided me with a good solution. Now, Im still paying, and I dont know what I am paying.
Product: Checking or savings account

I am a wellsfargo custumer since 1997, last XXXX I got charged XXXX dollars to my atm debit card wich a never did, I called wellsfargo they opened a claim and later came with conclusion that all the transactions was made by myself, and they closed the case, I tried several times with the same results
Product: Debt collection

I attempted to reach out to the creditor via phone twice, certified mail on XX/XX/20, in an attempt to verify the validity of this debt as it is not mine. Regarding both phone calls, no one has ever followed up with my messages, one left on the recording and the other with the operator that said someone from billing would contact me. There has also been no response to my inquest that was sent certified USPS. This is not my debt. I have had insurance with no lapse for the last 7 years, same company with the same plan had this been my debt, there would have been no issue in regards to payment of a claim. However I have not been to this facility nor would I considering they do not accept my insurance and would have notified me of such if I attempted to schedule an appointment with their office. This is not my debt, it is reported on my credit report and is a fraudulent collection.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address significant errors, discrepancies, and unauthorized accounts appearing on my credit report. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately.
Product: Checking or savings account

I have always gotten my direct deposit on every other Friday of the month with my job. They are holding my funds with no explanation why. I have bills to pay and desperately need my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for Experian, XXXX for XXXX, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXX XXXX '', and " XXXX XXXX  '' which I do not recognize, The inquires that are fraud on Experian are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX XXXX is still reporting it on my credit report.