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

I applied for a loan online and was approved for 3 options. XXXX, however I needed more so I didn't accept the terms and left them open. The next day I received an email saying That I could reach out to the branch if the offer did not meet my needs. So I reached out to the branch they came back with XXXX but I had to use my car as a collateral. I refused and said I wanted to take the previous offer. Now they are telling me that that offer isn't available since I reached out to the branch and I would have to wait XXXX. This was a classic bait and switch. It puts people in horrible situation where if you are in need you either offer your car up or get nothing because you inquired at the branch. There is no warning given and now I'm stuck.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : AMEXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/120 AMEX-XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/120 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Consumer Loan

contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.
Product: Debt collection

XXXX XXXX is reporting inaccurate information on my credit report. They are claiming we owe money to them we do not. The apartment complex, The XXXX at XXXX XXXX XXXX has many complaints about reporting inaccurate information on several past residents credit reports, causing a blemish on credit history. They are well known for charging past tenants fees as a punishment for leaving. They are holding our credit report hostage. There are many many complaints about them. 

The newer site manager claims after being a resident for four to five years that normal wear and tear of the carpet around the bed that we have to sleep in every night was being charged to us in excess of {$1300.00}. I can understand if we damaged the walls etc but how can you charge someone for walking on a carpet. This is absurd, and this complex needs to be investigated for reporting false/inaccurate information on residents credit report just to keep their deposits ; which they have done to us and so many others. They keep the deposits and charge for things that they should not. When we left the apartment the place was spotless and they purposely tried to schedule the final walk through when we could not be there just so that they can claim unwarranted damages. I have also disputed the charges and asked for a detail breakdown of why i was charged. They have refused to send me anything showing why i owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 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, credit repair services, or other personal consumer reports

XXXX, XXXX. 
XXXX {$280.00} Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit this does not belong to me, fcra violation. names addresses employers wrong. see attached.
Product: Checking or savings account

I have multiple purchases that the merchant charged me for that I didnt receive product for. In some cases I was double charged. I discovered this after a couple of purchases and after going back thru my account with the merchant and trying to fix it with them I filed 62 disputes from the last 60 days with cash ap. They sent denials almost immediately but when I asked for documentation to why it had been denied ( the merchant even agreed there were discrepancies and credited one of my disputed charges back immediately- one cash app denied and showed as a valid charge ) which proved to me they did not investigate their disputes. They have made it impossible to communicate, escalate my case, send a generic email and then close the escalation saying they havent heard from me, even after I attempt every day, multiple times, reply to the emails, with no response. The only documentation they have sent me is on 1 charge where they sent proof I was charged but nothing else. That is apparently their documentation. They also bully and harrass their customers threatening to close their account if they dispute a charge, which they did close my account in this case. Making it harder to look at your history or dispute. Their dispute process is not transparent and in many cases I believe they do not even investigate, just deny to get around providing the provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THESE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EdFinancial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for their failure to verify the accuracy of a disputed hard inquiry " XXXX XXXX  '' on my credit report. Despite my repeated requests, Equifax has refused to provide proof that I authorized or initiated this inquiry, instead responding with a generic " Verified As Accurate '' statement without supporting documentation. This violation of the Fair Credit Reporting Act ( FCRA ) has caused me financial harm and distress, and I request that the CFPB take immediate action to require Equifax to remove the unauthorized hard inquiry from my credit report and provide proof of my authorization or initiation of the inquiry. I have attached supporting documentation, including my dispute letters, and responses from Equifax, which demonstrate the severity of this violation and the need for swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting my name incorrectly as XXXX XXXX XXXX. 
I repeatedly requested them to make correction and submitted proof of my name and address. I requested them any other incorrect names and addresses appear on the credit report they are providing.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 ADDRESSE- XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX  XXXX opened XX/XX/XXXX account # XXXX balance : {$980.00} XXXX  opened XX/XX/XXXX account # XXXX Balance : {$310.00} XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : $ XXXX XXXX  opened XX/XX/XXXX account # XXXX Balance : {$0800.00} XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$240.00} XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$12.00} XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX balance : {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$1500.00} INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

XXXX XXXX and Penn Credit Corporation is engaging in unlawful extortion by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX XXXX, Penn Credit Corporation and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX transferred the account in reference without lawful authority to Penn Credit Corporation which is a violation of code 18 USC 1028 ( a ) ( 2 ). Penn Credit Corporation obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Penn Credit Corporation and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Penn Credit Corporation does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Penn Credit Corporation is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Penn Credit Corporation that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Penn Credit Corporation has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Debt collection

By virtue of the AUTOMATIC STAY, Citibank is prohibited against any and all collection conduct which would violate the AUTOMATIC STAY. Violators may be punished for Civil and Criminal Contempt of Court with the imposition of statutory and huge punitive damages far exceeding any of your disputed claims. Stop prohibited collection activity!
Product: Debt collection

I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to Transworld System Inc. for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received form XXXX from Coinbase, Inc. and the form shows excessively inaccurate transactions proceeds of {$770000.00} for the year of XX/XX/XXXX. My own records for all sales proceeds in XX/XX/XXXX only add up to about {$110000.00}. I also used the reporting service from a company named XXXX XXXX, which is contracted by Coinbase itself, to get an official tally of all my XX/XX/XXXX transactions. Their reported gross short term proceeds for XX/XX/XXXX from my Coinbase Pro is {$110000.00}. I immediately contact Coinbase customer service department and they told me I need to submit my complaint via email. I did so and got a case # XXXX. About a week later, the case got closed with no solusion offered. I opened another case # XXXX, and I was informed that my case had been forwarded for review. A few days later, I got a notification that the case has been resolved, but did not specify how, and what I would receive from the company. Therefore, I had to open the third case # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a similar notification like the last time stating that the issue had been resolved and the case was now closed, and nothing further could be done. After the third attempt, I didn't know what to do because their customer service representative will not discuss about my tax form over the phone, and submitting request for review of my transactions via email didn't take me any where. I would really appreciate if you can help get the company to respond to my complaint, because I have been losing sleep and very stressful because I'm afraid this will create a big problem for me with IRS. 

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

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
MIDLAND CRED Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXXXXXX Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
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 require 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. On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXXXXXX XXXX with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress. Please find attached account in question as well as a copy of my consumer XXXX credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud. I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law. Thank you for your prompt attention to this serious issue.