23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : XXXX XXXX Services Account Number : XXXX The specific inaccuracy concerns the payment history for 2023. Your report incorrectly indicates 30-day late payments for XXXX and XXXX and a 60-day late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days of receipt of this notice. As part of your investigation, I request that you verify the payment history with XXXX XXXX XXXX and provide me with the results of your findings. 

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness.

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and XXXX XXXX XXXX regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXX XXXX  XXXX XXXX XXXX  XXXX Account No. XXXX Opened XX/XX/2021 Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB, I am writing to file a complaint against Bright Lending regarding a loan agreement I entered into on [ XX/XX/2024 ] for $ [ XXXX ]. I believe this loan violates federal and/or state consumer financial protection laws due to usurious interest rates and potentially deceptive practices. 

Loan Details : Loan Provider : Bright Lending Loan Agreement Date : [ XX/XX/2024 ] Loan Amount : $ [ XXXX ] Interest Rate : [ 699.9620 % ] Loan Term : [ 43 weeks ] Reason for Complaint : I believe the interest rate on this loan is usurious and exceeds the legal limit allowed in the state of Rhode Island, where I reside. Additionally, I have reason to believe Bright Lending may not be a legitimate tribal lender and may be attempting to exploit a loophole in XXXX  immunity laws.

Supporting Evidence : The attached loan agreement and the MN Attourney General is investigating them for usurious practices in the state here XXXX XXXX XXXX XXXXXXXX I request the CFPB to investigate Bright Lending 's practices and determine if the loan terms violate federal or state consumer protection laws. I would like the CFPB to help me achieve a fair resolution, which could include : A reduction in the interest rate to comply with Rhode Island usury laws. 
Cancellation of the loan if Bright Lending is found to violate the law. 
Thank you for your time and attention to this matter. I look forward to your response and any assistance you can provide. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX 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 card or prepaid card

I have been paying on this credit on time monthly and I get an email that they decreased my credit limit by a grand. Because of a credit score my credit score hasnt changed it in fact went up with XXXX. And only change I had was a purchase of a vehicle in XXXX which is my only other bill other than my mortgage. They changed my credit limit which up my credit card utilization and than in turn dropped my credit score and can not give me any firm answers I have spoke with them twice and even made a XXXX $ payment I am very upset.
Product: Vehicle loan or lease

I traveled to XXXX, IL and went to XXXX XXXX of XXXX XXXX to look at a used vehicle. The price online was reasonable, I drove the vehicle, and decided to proceed with the purchase with the condition of obtaining pictures of the underneath of the car to ensure no damage or issues. The vehicle was currently being used a demo for their Operations Executive. The Sales Representative assured me that the pictures would be taken and while waiting we negotiated. The Sales Representative brought back a paper that included the advertised price plus additional substantial fees for lo-jack and a ceramic paint coating- all over {$5000.00}. I declined those add ons and was told they were already on the vehicle and I would have to pay for them. I advised the Sales Representative that these additional fees were not disclosed on their website and not legal. The Sales Representative said that all cars come with it and its non-negotiable. They advised they would work on price and would take pictures. I left and conducted follow-up and got the run around regarding the pictures. I was told by the Sales Manager that the Executive took the car home and after escalating was told the car was already sold with the other party buying the vehicle with all the add ons. This company used unethical sales tactics, pressure, and deceptive marketing. The least sophisticated consumer would be scammed into paying for these add on products without knowing they are not permitted. This company needs to be investigated or shut down. There are multiple reviews expressing the same concerns of mine. Something needs to be done.
Product: Debt collection

Exeter Finance LLC violated the Automatic Stay from the XX/XX/2024. 

They have no reason to contact me.

This email has cause me stress mental and health issues.

Im suffering in pain now caused by Exeter Finance LLC.
Product: Checking or savings account

Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.
Product: Debt collection

i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open account and the associated late closed and charge-off status on my financial records.

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter.

Here is a summary of the steps I have taken to address these issues : Despite my continued efforts, the late open account has not been corrected, and the associated late closed and charge-off status remains on my records.

I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify the late open account and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assistance to correct these late open account and remove tha late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$36000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Reporting of Missed Mortgage Payments SHELLPOINT MORTGAGE SERVICE ATTN : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX In XX/XX/XXXX, my mortgage was transferred from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX to Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX XXXX When applying for a new loan, it came to my attention that XXXX  XXXX XXXX XXXX XXXX XXXX my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, XXXX approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Enc

l 1 ). B. I made monthly paym
ents by the XXXX of the month as specified. The payments were made with four ( 4 ) or five ( 5 ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at XXXX chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, XXXX staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested Shellpoint Mortgage Servicing, my new mortgage provider, review my calendar year XXXX  monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. Shellpoint denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1800.00} ( XXXX ) XXXX - XXXX - {$1800.00} ( XXXX ) Late Payment XXXX XXXX XXXXXXXX - {$460.00} Inquiry XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/year> the amount of XXXX by XXXX XXXX  and was filed for dispute and it fell under FCRA requirements and they account was closed as well as XXXX XXXX XXXX, and Rentdebt automated collection but they are still reporting on my credit report. I have reached out to XXXX and XXXX to get the matter resolved as well but they have done nothing.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My XXXX  Report Number XXXX Transunion lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Credit card

Syncrony bank pays dental office clerks a commission to open accounts on the Syncrony Care Card. This is nothing but a high interest credit card that can be used for anything. On XXXX, XXXX week before my implant procedure, XXXX XXXX, the dental clerk for XXXX XX/XX/XXXX asked me if I wanted to see if I would be approved for this card, based on the estimated cost, {$8200.00}. I stupidly gave her my SSN. She said that I was approved, and never gave me any specs or info on the card. She said it had 7 % interest when it is really 26 %. I said that I would look into it. I had a secured loan option that was much better. 

On XX/XX/16, I had the procedure. When leaving I asked XXXX, what about the bill? She said not to worry I already paid. When I got home, I immediately checked my credit. An account was opened at synchrony bank for a " care card '' and there was a purchase for {$8200.00}, the estimated charge. It was obvious that XXXX opened it with my SSN and charged {$8200.00}. There was a receipt buried in my other paperwork. The rate was 26 % but 16 % for the first 3 years. I called synchrony bank 100 times and finally got a fraud dispute opened. 2 months later, I was denied due to the huge conflict of interest. 

I appealed. 2 months later I was denied. Sometime during these 4 months, synchrony reversed the dental charge of {$8200.00} and hit me with a charge for {$8200.00} as a general purchase from synchrony bank. This way, the interest would be 26 % from the start. XXXX. Just recently I got an email from synchrony saying that I was getting a new card with the 26 % and $ XXXX in debt. 

In the dispute XXXX made a forged copy of the receipt with my signature on it which they had on file. This all happened so XXXX could get her commission and the bank its interest. I just want the transaction reversed and the money sent back to synchrony. She can keep her money.
Product: Student loan

During the summer of XXXX, I consolidated five loans with Nelnet to XXXX. The five loans were the amounts of {$8700.00}, {$11000.00}, {$10000.00}, {$6000.00}, {$5100.00}, for a total of {$41000.00}. My loan with XXXX included the above amounts and outstanding interest of {$4100.00} for a grand total of {$45000.00}. The loan I am paying with XXXX is {$46000.00} before interest but covers all amounts mentioned above and I was assured that Nelnet was paid off completely. I then logged in shortly after and monitored months later and for years after I had a XXXX balance, which lasted for five years until a couple of months ago when a balance appeared in my credit monitoring app. 

That did not make sense to me and I assumed XXXX would take care of it since I am five years into my ten-year loan. I was shocked when I received a bill from Nelnet with an XX/XX/XXXX due date for the last two loans in that group, ( {$6000.00} and {$5100.00} ). I first called XXXX and a ticket was created to investigate the issue. Then I called Nelnet but could not reach anyone and was on hold for over 2 hours. I sent an email to the XXXX address explaining the above and have been calling since then but no one answers the calls. 

I have been assured by XXXX that they are trying to get to the bottom of this issue but they are not able to view any data before XXXX. Nelnet is still showing past due for loans that were paid five years ago and it is affecting my credit. I have all the documents and provided to both parties that both these loans were XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report to XXXX, XXXX, AND TRANSUNION and they have failed to comply with my request and have not responded to any of my letters for over 60 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  known as XXXX XXXXXXXX wasnt opened or authorized by me. Please remove! Report attached!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.