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

My claim number XXXX  has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent. 

On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX   which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX. 

While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under. 

In lieu of this matter I had the attorney fax XXXX XXXX  my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial. 

From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed. 

I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting

I have disputed XXXX XXXX XXXX XXXX # XXXX .... because it does not belong to me. Experian claims they verified this information to be correct and because of that they locked me out where I can continue to dispute this account online. I would be impossible to verify this account because it does not belong to me. I called XXXX XXXX XXXX XXXX and they have no record of me. Please remove this account
Product: Mortgage

My family wants to build a home so we engaged US Bank to get a construction loan. 
we got approved for $ XXXX and later upgraded to $ XXXX as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. 
Despite the XXXX approvals, XX/XX/XXXX I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Contractor ). I wrote the bank a letter and they did n't respond either. I believe that they did n't act in good faith, and in fact they denied my loan with no good cause. I have lived in the same residence for 4 years in XXXX XXXX. All my correspondence with the bank has been from this address. the other apparent reason for the denial is adverse credit. this is a bogus statement because my credit is close to XXXX the loan to value is about 60 %. the loan officer said I could qualify for much higher loan based on my ratios.
Product: Credit reporting or other personal consumer reports

Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from TransUnion, XXXX, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for failing to accurately update my credit report. Despite my previous efforts to dispute these inaccuracies directly with Transunion, the following discrepancies remain unresolved : Account Name/Number : XXXX XXXX Acct # XXXX Disputed XX/XX/2024 This account should be deleted as the deletion was guaranteed by creditor XXXX XXXX Acct # XXXX Disputed XX/XX/2024 This account should also be deleted as the deletion was guaranteed by creditor XXXX XXXX XXXX XXXX XXXX Acct # XXXX Disputed early 2024. This account should be reported as paid and in good standing as the account was paid in full by my auto insurance company after being declared totaled out. 

After several attempts to resolve this with Transunion, my request was denied. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, such as Transunion, maintain accurate and complete information. Specifically : Section 607 ( b ) of the FCRA requires that credit reporting agencies implement reasonable procedures to ensure the maximum possible accuracy of the information reported.

Section 609 ( a ) provides consumers with the right to dispute inaccurate information and to have it corrected in a timely manner.

Section 623 ( a ) ( 1 ) ( A ) obligates data furnishers to report accurate information to the credit bureaus.

Despite my attempts to resolve these issues directly with Transunion, I have not received a satisfactory response, nor have the errors been corrected. This situation is significantly impacting my credit score and hindering my ability to obtain credit or secure favorable terms. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that Transunion complies with the FCRA and resolves these discrepancies. I ask that Transunion take immediate corrective action to correct the accounts listed above to reflect accurate information. 

I also request written confirmation of these updates and to be sent an updated copy of my credit report reflecting the changes. 

Sincerely,
Product: Credit reporting or other personal consumer reports

There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is a continuation from CFPB complaint XXXX. The previous complaint was closed out by the CFPB without any verification performed that XXXX had remove the phone number XXXX XXXX XXXX XXXX from its database ( s ) related to debt collection, and phone calls in general. 

I am still receiving phone calls from XXXX XXXX on this number. The last call received from XXXX XXXX was an automated phone call on XX/XX/2021 at XXXX pm CST. 

As I stated in the original complaint, simply having a financial institution say something has been done isn't an appropriate fix. Root cause analysis has to be done for why the number is being called in the first place. Clearly, the root cause of why this number is being called has been left unaddressed.
Product: Student loan

Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to XXXX on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX  a letter disputing 3 accounts such as : XXXX XXXX XXXX XXXX XXXX and Mariner Finance. On XX/XX/XXXX, I received a letter from XXXX in response to my dispute advising the credit items for XXXX and XXXX   XXXX has been deleted from my report, but Mariner Finance remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to XXXX   requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from XXXX advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The Bank of Missouri Late Payment from XXXX  XXXX Late Payment from XXXX XXXX XXXX XXXX Send XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX 
XXXX XXXX XXXX Bank XXXX Bank XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting

Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.
Product: Vehicle loan or lease

I bought a new XXXX Hyundai XXXX from the XXXX dealership in XX/XX/XXXX, and I always make payment to Hyundai Finance since then. I always pay on time, my expected bill was {$590.00}, but I always pay {$600.00} so that I can finish paying up before 5 years loan that I was given. 

I made a payment of {$600.00} in XX/XX/XXXX for my XX/XX/XXXX payment and my account was not correctly balanced, I called their customer service representative about the mistake. Within two days the mistake was corrected. Again, on XX/XX/XXXX I made a payment of {$600.00} ( Interest was {$48.00}, Principal was {$550.00} ). From a previous balance which was {$22000.00} after the payment made on XX/XX/XXXX, {$550.00} suppose to be taken out of {$22000.00}. Therefore, my balance in XXXX suppose to be {$22000.00} minus {$550.00} equals {$21000.00}. Instead, the company refused to balance my account, they just wrote XXXX on the balance. I called this company from XXXX through XXXX, I spoke with their 5 representatives and a Supervisor, all to no avail. I decided to write a letter to their office in California, they ignored my letter. 
Thereafter, I decided to refinance, Hyundai Finance charged me interest on their wrong calculations, decided not to refund my {$550.00}, and later sent a check of {$3.00} as overage. 
I am filing this complaint to request for my {$550.00} plus the interest I was charged wrongly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, for {$610.00}, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I do not owe this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

portfolio recovery associates. I have told them to stop calling on a debt that should have been taken care of by the credit card. this debt is over 10yrs old if the credit card insurance didn't pay the card off that is the credit cards problem that is the reason i paid monthly charges for the insurance. I have repeatedly told them this and have told them to stop calling me. they continue to call me from different numbers then hang up on me
Product: Checking or savings account

I went to the ATM today ( XXXX ) at XXXX to make a withdrawl I was denied even though the account had XXXX in it at the time because I checked before I went to avoid embarrassment as this has been an ongoing problem since I filed disputes with another account. 

I made a purchase using my card through PayPal the money was in PayPal balance but not in the bank account it was denied. 

I tried to make a transfer it was denied. 

I am starting to feel these actions and embarrassing debit card denials are discriminatory in nature. 

I am also going to file a complaint with the XXXX XXXX XXXX in XXXX and the XXXX XXXX XXXXXXXX XXXX. 

I also have filed another complaint through CFPB about XXXX XXXX that has mysteriously disappeared. Please be advised I do take recordings and screen shots of these complaints.
Product: Credit reporting or other personal consumer reports

Experian consumer reporting agency has violated my rights under FCRA under 15 USC 1681E as multiple request on how the info was verified as accurate on my account for XXXX  account XXXX and they are also in violation of 15 USC1666 billing errors in the consumer report 1. This account is reporting as a charge off but not reporting to the IRS as a charge of in the tax year in the year charge off as such there is no documentation off a 1099a submitted not filing of a 1099 b with the IRS and I was not presented with a 1099c In the consumer report under status reports account written off XXXX past due XXXX any charge off over XXXX must have a1099 file this was not done buy the creditor there the reporting that this was charge is in accurate also charging of a debt and reporting a past due balance is another violation 2 the payment summary is inaccurate In the year 2021 XXXX and XXXX boy report 120 days late which is inaccurate and impossible 3 the consumer report say last payment was XXXX XXXX which also dose not match the payment summary which reports last payment in XXXX in the legend with a green check mark indicates a payment was made so this record is also inaccurate and not verified accurately 3. Multiple parts of credit report are blank which means this consumer report is inaccurate the company sold to is blank And this account was sold multiple time to outside debt collectors which is a violation The original creditor is also left blank which means this consumers report is also incomplete Because of each violation I am entitled to XXXX per violation I would like to invoice all three credit bureaus of these violations and payment therefore and / or Immediate deletion from my consumer report immediately
Product: Debt collection

case number XXXX pressler and pressler XXXX their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by XX/XX/XXXX, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. BThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX   XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Product: Student loan

I have been paying XXXX separate student loans to Navient since approx 2008. A couple of years ago, I increased my payments to almost twice the amount per month in order to pay the loans off more quickly. My intent was to pay the higher-interest loans first. I was told by Navient that " they did n't do that and all monies would be applied equally to all XXXX loans. '' At this point I am XXXX y.o., plan to retire in a couple of years, and I 'm still saddled with significant student loan debt. The original loan was for {$39000.00} and the balance now is approx XXXX. After all this time I 've only paid {$2500.00} towards the principal? Also -- I work in XXXX and applied for loan forgiveness but was denied because of the type of loans. I could really use some guidance here, either from you or a recommendation as to whom I can seek counsel. Thank you.