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

I applied for my auto loan refinance. However, I was rejected because of my status in the United States. I provided them with my latest XXXX which is my status to study in the United States which states I am studying and my graduation is XXXX, 2024. They rejected me for the fact that I don't have the status after XXXX, 2024. 

I can provide you my XXXX. 

I contacted the lender and this is what he said back in an email. 
" lending partners underwriting criteria requires that a student visa be valid for the length of the loan ; unfortunately, your student visa expires in XX/XX/ 2024 before the term of the loan would end. The lending partner will be sending you an Adverse Action Notice within 30 days detailing the specific reasons your application was declined. The notice will also include specific instructions on how you can obtain a copy of your credit report. '' I feel this is discrimination based on race and status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I was contacted, over a year ago, by an old insurance carrier that their system was hacked and my information was stolen. Since then I've had multiple occasions where someone has tried applying for a credit card in my name. I've contacted the credit card companies and they're aware of my circumstance but they still haven't removed the multiple hard inquiries from my credit report nor have they stopped allowing fraudulent applications to be processed. These hard inquiries need to be removed from my credit report immediately, and Capitol One needs to cease allowing more applications to be processed. They are adversely affecting my credit score.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Payday loan, title loan, or personal loan

On XXXX. XXXX, XXXX, I renewed my pawn contract with XXXX XXXX XXXX XXXX XXXX and the due date was extended to XXXX XXXX, XXXX. On the due date, I made full payment of US {$140.00} to redeem the pawned goods, an engagement ring ( 14K gold ) given by my boyfriend in XXXX who later became my husband until his death in XXXX. After about an hour, the pawned ring could not yet be located. The customer service personnel named XXXX took my celphone # and promised to call me once the item is found. Shortly after stepping out of the office, I returned to retake the money paid since the pawned ring was not handed to me anyway. XXXX gave me back the US {$140.00} earlier paid & erased the annotation " all ready paid '' written on the pawn contract. A male officer then wrote on the same pawn contract the words " missing will find. '' Until now, I received no call or letter from the company. I dropped by their office on XXXX XXXX & XXXX, XXXX but still there has been no update of the lost item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.
Product: Credit reporting or other personal consumer reports

Delete all hard Inquiries off of my credit report immediately, collections and late payments. This is stopping me from buying a house for my family. As I list these items can you please delete these requirements. 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 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. Code 1681 - Congressional findings and statement of purpose Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.
Product: Checking or savings account

Hello, I opened this account in the Wells Fargo branch in XXXX XXXXXXXX XXXX with a banker named XXXX XXXX, as the terms of the promotion required. The terms of the promotion, which was public, stated that following a {$25000.00} deposit which was maintained for 90 days, the customer ( me ) would receive a {$520.00} bonus. As I opened this account in the branch with the banker, I am confident that this was done properly. I also followed all of the terms of the promotion, but did not receive the {$520.00} bonus. I have attached the confirmation email from the banker that this is true. I have since contacted Wells Fargo, but they claim they have no evidence that the bonus was attached to the account, which is not true. I fully expect that they will pay out for the full as the terms stated. Thank you.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/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 XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom Thi s May C oncern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     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   XXXX   XXXX   XXXX   XXXX   According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


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: Debt collection

On XX/XX/2018, Unifund CCR LLC filed a lawsuit against me. In court Unifund failed to serve me many important documents, misinformed the court many times ( told the court that " I '' was " confused '' during this year long lawsuit and either intentionally confused the court and myself or the attorney did not look at documents and records being submitted. Unifund 's counsel argued telling the court that I was using the court order to compel arbitration to argue FDCPA violations on another account owned by Unifund, which was not true. 

In arbitration with XXXX XXXX XXXX ( AAA ) ... 
I file two demand for arbitration cases with XXXX. One was a court ordered case and the other case included an account that was never in court. The court ordered XXXX case was closed by XXXX due to Unifund failing to pay their filing fee. Unifund 's counsel commingled the two credit card accounts into the XXXX case that contained the credit card account that was never in court. Their answer to my demand for arbitration was never served to me despite asking multiple times asking about it. When the case manager emailed me what Unifund submitted, I immediately filed objections because Unifund had commingled two different account numbers in their answer. I even listed which exhibits were for each account. It was VERY clear they were commingled considering there were documents on a $ XXXX credit card and a $ XXXX credit card with different credit card account numbers. We had our initial conference hearing in XXXX with the arbitrator. Unifund 's counsel either flat out lied to the arbitrator to try to confuse the parties or Unifund 's counsel did not take the time to read my objections that were served to her that spelled out which exhibits were for which credit card. Unifund 's counsel kept telling the arbitrator that I was lying and that ALL the documents were in reference to one account number. We got nothing accomplished at the hearing because Unifund 's counsel just kept calling me a liar and wouldn't give me time to talk. Needless to say, the arbitrator ending up making an award for both accounts because Unifund 's counsel kept submitting the documents for both. I never had a chance to even defend myself in the $ XXXX lawsuit because Unifund 's counsel either didn't look at the documents or was intentionally trying to confuse myself, the arbitrator and the court. I would expect more from an attorney.
Product: Debt collection

Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at XXXX XXXX XXXX. And he said that it's a medical bill that came from Penerick Capital Partners which came from XXXX XXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I called the fraud department both calls took over a hour the first agent told me they blocked and removed the XXXX fraudulent accounts but the second one told me the accounts doesnt qualify. I been trying for months on this. I showed my ftc which I attached I had XXXX usaa XXXX XXXX blocked XX/XX/08 and after the agent claim they couldnt see a clear copy of drivers license I just want to be treated fair Report Number : XXXX please look into my claim
Product: Prepaid card

I ordered a replacement card XXXX XXXX and it is now XXXX XXXX. I have called rush card several times and they can not tell me anything. I have called XXXX a day the phone either hangs up or i am on hold for XXXX hours to be told they can not upload anything due to the system outage. I am a single mother and have n't been able to access my money for 17 days and i can not get any answer to solution to problem. I keep being transferred, placed on hold, hung up on, call does n't go thru. And no answers to the solution. Now i have to sit here with no card, no answers, no money, no solution to the problem. My bills are late. My child is suffering. XXXX XXXX keeps tweeting that everything is back up and it isnt.
Product: Checking or savings account

I recently filed a dispute on XX/XX/2025 with credit karma as to the transactions on my account wasn't done or authorized by me, therefore I disputed fraudulent charges, well they said my disputes was approved and that I will be receiving a refund for it all then they froze my account now they are closing my account
Product: Credit card or prepaid card

This bank is dishonest treats me horribke closes my checking accounts refuses to do business with me closes my accounts refuse to help and now my credit card has been charged off to another company
Product: Debt collection

ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. 

Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. 

These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to Equifax. Their records incorrectly show a payment as late, even though it was made on time. This false information remains on my credit report, unfairly damaging my credit score and financial standing.
Product: Credit card

On XX/XX/year> I entered into a settlement proposal with Barclays for my Frontier Airlines XXXX XXXX account. Per the date of the settlement my account balance was {$3900.00} and the settlement amount was {$1300.00} ( 35 % of my current balance ). I had payment scheduled over 90 days in the following amounts {$130.00} ( to be paid by XXXX XX/XX/year> ), {$130.00} ( to be paid by XXXX XX/XX/year> ) and {$1100.00} ( to be paid by XXXX XX/XX/year> ). After a 15 day waiting period and the validation of funds the account was supposed to be settled for an amount less than the full balance and my credit report was to be updated accordingly. 

On XXXX XX/XX/year> I called into Barclays to make the first payment per our agreed upon payment arrangement and was advised that the payment could not be made because on XXXX XX/XX/year> the account had been transferred to an outside collection agency. However, I do not understand how my account could be transferred to an outside collection agency given the fact that we were in a contract and the terms of the contract had not been broken. Now in addition to Barclays reporting negatively on my credit report I also have a collection that has been reported as well. 

I filed a XXXX complaint against Barclays regarding this matter and have been contacted by the office of the president. They state that the account was transferred in error but were not willing to re-establish and amend the terms of the payment arrangement to appropriately accommodate the grave error they have committed. 

At this point I would like the settlement reinstated, have the balance lowered and receive a deletion as a result of the error.
Product: Credit card

Submitted an online order thru XXXX for an XXXX refrigerator in the amount of {$2400.00} on XX/XX/XXXX using Lowe 's card handled by Synchrony Bank. Item arrived damaged on XX/XX/XXXX and never left the delivery truck as we refused it due to the damages. XXXX could not provide a timely delivery so we cancelled the order on XX/XX/XXXX and purchased the refrigerator from XXXX XXXX. XXXX has continued to bill for this undelivered/cancelled item and, after multiple disputes thru Synchrony Bank , will not credit the card for this item. When pressed for proof of delivery, XXXX has provided a signed form showing refrigerator loaded into delivery truck in NJ ( not our house ). And also provided a picture of " delivered refrigerator '' that shows someone else 's kitchen and a refrigerator that is not even the brand ordered ( XXXX ). Multiple conferences calls including XXXX and Synchrony resulted in XXXX verbally stating the item was not delivered to us and order was cancelled but they have no way of faxing this information to Synchrony and Synchrony requires this information in writing via fax. Again, this has gone on for 14 months and we have spent over 20 hours on the phone trying to resolve this.