23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

cashnetusa XX/XX/2016 Dear XXXX, Thank you for your recent application for a Cash Advance. Your request was carefully considered, and we regret that we are unable to approve your request. 
Reasons for Denial of Credit Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. 
The reason ( s ) you did not score well compared with other applicants were : Unable to verify personal information and/or identity. 


Your Right to Get Your Consumer Report In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX. 
XXXX, CA XXXX Toll-free : XXXX Fax : XXXX XXXX XXXX XXXX, GA XXXX Call Toll Free : XXXX Online XXXX You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 
Information about Your Credit Score We also obtained a quantitative identity evaluation from XXXX. and used it in making our credit decision. This evaluation is represented by a score that reflects the information in your consumer report. This score can change, depending on how the information in your consumer report changes. 
Your score : XXXX Date : XX/XX/2016 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Inquiries did adversely impact score. 
Unable to verify personal information or identity. 
Number of recent inquiries on credit report. 


If you have any questions regarding this letter, you should contact us at : CashNetUSA Customer Support XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Federal Trade Commission Equal Credit Opportunity XXXX XXXX ( XXXX ) TDD : [ [ tel : XXXX ] ] XXXX
Product: Credit card

I have always ensured that payments on this account are made promptly, preventing them from becoming overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have discovered that XXXX and Transunion continue to inaccurately report my student loans. XXXX has deleted them, Transunion is reporting them in good standing, and XXXX is reporting them as having 11 missed payments!!! I have been successful with them deleting my student loan accounts from XXXX but not Transunion or XXXX. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and XXXX  for violating the laws of the FCRA sections 611 and 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 Capital one removed my credit card from XXXX and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called XXXX on XX/XX/23 and they said I needed to contact capital one if I wanted it added back I then called capital one and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to capital one asking them to add my credit card back to my XXXX and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Checking or savings account

I have a chime account that has been locked since XXXX XXXX. I have called and emailed chime multiple times since XXXX, XXXX, XXXX, XXXX, and XXXX. Ive emailed them at support@chime.com and review@chime.com including sending the requested documents including pictures of govt. ID, Social Security, proof of address, etc. and I still havent received any response from them. When I asked them why my account has been locked they said it wasnt in compliance with chimes policy and I ask them how and they didnt give me a clear answer on how my account wasnt in compliance with their policies. We are now in XXXX of 2022 and I dont know what to do I even requested they close my account and mail my funds to my address and they even denied that so I just wan na know what I can do to get them to respond and unlock my account, I havent been able to pay my bills, my phone is off, i am now living with my mother cause I couldnt pay my rent and Im down right now so if you can help me please give me a response
Product: Credit reporting or other personal consumer reports

Our Corporate Wells Fargo Account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Wells Fargo is unrightfully holding in reserve for over 8 months now our payout of {$2300.00}. I contacted them today and they said that they can hold our funds that are due for one year which would be XX/XX/XXXX of XXXX. They unrightfully terminated our vendor account without notification on XX/XX/XXXX and are holding funds from Account number XXXX Please help
Product: Credit reporting or other personal consumer reports

* Account Number : [ XXXX ] Account Name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. 


I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

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

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continuously dialed my phone number after being told not to, in direct violation of the telephone consumer protection act. Moreover, I did not give this company any permission to EVER call me, nor did I provide this company with any number to call me. 

Next, I do not have a direct contract with this company for which they are attempting to collect. Moreover, they have reported this erroneous account to my credit file, which is negatively impacting my credit score, during the midst of a COVID-19 Pandemic.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX for, they sold me a lemon. The car broke down a week after purchase, the manager stated he was not fixing the vehicle and he will not fix it and if I bring it up there he will not fix it. I had the car towed up to the lot. Informed Ally of the situation and asked was it too late to return the amount of loan no response. Now they are reporting a balance on my credit for the car.
Product: Checking or savings account

the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately 7,000 dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me
Product: Mortgage

Send me inquiries on this mortgage including but not limited too subpoenas or summons you received from any individuals or law firms between XX/XX/2015 and present In addition send copies of any summons and subpoenas or inquiries you initiated to any law firm or individual Including but not limited to homeowners insurance, flood insurance carriers or the tax collector in XXXX XXXX or any other location
Product: Mortgage

Company : Dovenmuehle Mortgage , Inc . 
Applied for COVID forbearance - Granted Paid back entire 3 month forbearance XX/XX/XXXX. 

Faxed request ( per their documentation ) to remove PMI ( Fell to 79.65 % of original value ) Denied on XX/XX/XXXX due to outstanding balance ( of which there was not as of XX/XX/XXXX ) Called and they said : ( XXXX, Supervisor ) PMI scheduled to be removed in XXXX based on ORIGINAL amortization. 
I explained I had paid ahead so ratio was below 80 %. 
Explained law to them that they were required to remove PMI ( See law below ) and they said I had to file an appeal. 
I told them they already had a valid request on file for me and should honor it. 
Bumped me to get a call in a few days to speak with another supervisor ... 
No resolution ... 

Homeowners Protection Act of 1998 : The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the original value.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, I did an online MoneyGram payment to a friend of mine. When my friend went to MoneyGram to receive it, it was declined. I called MoneyGram and they said the system rejected payment and could not give a reason why, just said regulations. They proceeded to ask me if i knew this person and when was the last time i saw this person. I had seen him the weekend prior. They asked why didn't i pay him then. I said you dont pay for work that needs to be done untill the work is completed. We work construction together and he is currently not working. I had asked him to look at one of  my rental properties and see what needed fixing up. He got a painter and he did some work himself.
Product: Credit reporting, credit repair services, 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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$8200.00}
Product: Credit reporting or other personal consumer reports

I am formally contesting and urging the immediate removal of the fraudulent accounts from my credit report. This dispute stems from a clear case of identity theft, for which I have lodged a formal complaint with the Federal Trade Commission. Additionally, I have contacted the banks linked to the fraudulent accounts. 
The banks have acknowledged the legitimacy of the identity theft report and have acknowledged a potential system error that has obstructed access to the records. They have assured me that the fraudulent accounts, which has erroneously appeared on my report for over five years, will be promptly eradicated. 

However, despite assurances, these fraudulent accounts are still persists in my report under your bureau. I am concerned about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts following the submission of necessary documents. What steps are you taking to address this issue? 
XX/XX/XXXX
Product: Debt collection

I have reviewed my XXXX XXXX, XXXX, and XXXX credit reports and notice several items that have inaccuracies, incorrect, fraudulent, outdated and were included in my bankruptcy that is still reflecting on my credit reports. Should be deleted and removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me.PORTFOLIO RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, DEPT OF EDUCATION # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, was the 4th time i dispute an account thats inaccurately being reported and violating many of my FCRA rights. The company has failed to do anything about the matter except continue to inaccurately update the account. Ill be attaching the previous complaint below.
Product: Credit card or prepaid card

I opened a dispute case with Citi XXXX for charges of XXXX with XXXX 's XXXX on XX/XX/2018. Citi continues to issue a credit and then debit this charge 30 days later. More importantly Citi continues to allow vendor to confuse the issues. on XX/XX/2018 I advise vendor that the temperature on the boat reach an inhabitable temperatures. I advise the vendor that I could not stay on the boat because the air conditioner could not keep up due to the high temperatures. see attached text exchange with vendor. In addition to the inhabitable conditions my dog and I contracted XXXX due to the water on the boat. XXXX is one of several XXXX XXXX  known to cause XXXX in both dogs and humans due to poor water. 
XXXX 's XXXX does not have a cancellation policy in the agreement and therefore Citi states because XXXX 's XXXX does not have a cancellation policy I am obligated to pay for charges that I did not stay and cancelled due to the inhabitable temperature conditions on the boat. see attached weather report and contract signed.
Product: Debt collection

This debt appears to be from a energy company. I have never had an account with this company. I have lived in XXXX XXXX for years, and this company is not located in XXXX XXXX. I have sent letters trying to resolve this with no solid solution. I need this removed from my report. I experienced identity theft and it has affected me tremendously.