23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXXXXXX XXXXXXXX Balance Owed : {$980.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$51.00} ACCT XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Product: Payday loan, title loan, or personal loan

I obtained an interest free loan from Cumberland Financial Inc, XXXX, KY, for a hot tub I purchased in XXXX of 2020. This was supposed to be interest free or same as cash for the duration of the loan. However, Cumberland Financial has added interest onto the loan stating that due to a attempted auto payment that did not go through back in XX/XX/2020, this is no longer an interest free loan. I have had difficulty every single month with Cumberland charging the incorrect bank account. They said they have 4 different bank accounts listed for me. I told them over and over which is the correct account yet they continue to charge the incorrect account. I have NEVER been 30 days past due on this account! However, Cumberland Financial said because the payment was 10 days past the due date, they automatically took my account off of the interest free status. The reason they received the payment ten days past the due date was because they tried to charge the wrong bank account! Also, conveniently, they never called to inform me the payment didnt go through until after the ten day period. Obviously, this Is pretty shady and completely unprofessional! Cumberland Financial does not have a website that you can go to in order to make payments online or even check your account like most companies in 2020! They purposely make it difficult to monitor your account and/or make payments! The only way to check on your account or correct your banking information is to call somebody. Clearly this gives room for human error to occur. The employees and manager of Cumberland Financial are completely unreliable and unprofessional! I fully believe they are running a scam on their same as cash financing! They purposely charge the wrong bank account for your monthly payment and then inform after their 10 day late policy, in order to remove your account from the same as cash status and charge you outrageous interest!!
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by [ Credit Reporting Agency Name ]. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX Account Number : XXXX Description : NOT MY ACCOUNT Inaccuracy # XXXX XXXX XXXX Account Number : XXXX Description : I was never late on this account. I have made all my payments on time. 
Inaccuracy # XXXX : XXXX Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this ac

count. Inaccuracy XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Description : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but Transunion failed to perform an investigation and delete the disputed information. 
Inaccuracy XXXX XXXX XXXX XXXX Account XXXX Description : not MY ACCOUNT Inaccuracy # XXXX XXXX XXXX XXXX  Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Inaccuracy # XXXX : XXXX Account Number : XXXX Description : This account was transferred to a debt collector, and I no longer owe money to this creditor but its still showing a balance due. 
I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the removal of some of the fraudulent accounts and information being reported on my XXXX XXXX, however, there are still a lot of Fraudulent information being reported on my XXXX XXXX wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my XXXX XXXX as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : 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 XXXXXXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$6300.00} XXXX - XXXX - XX/XX/XXXX - {$88.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX CRED - XXXX XXXX XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired on XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION XXXX I Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Date XX/XX/22 amount XXXX. Card not present purchase Fraud in store. Called and was told I had to go to store to prove who I was or I had to pay the charge. The company will do nothing until I go physically into a store ( during Covid ). Very rude and indicated thats there rule. I asked what if I did not live near a Nordstrom 's they indicated their decision on how to resolve. As of today they consider it my charge unless I prove, in person, who I am. In addition I must speak with a store XXXX.
Product: Money transfer, virtual currency, or money service

Hello good day. 
My problem is that I have been with my coinbase account for several weeks. 
I have contacted them and have updated the contact information, identity card and data on the use of coinbase and it is still restricted, which prevents me from making operations with my wallet. 
I would like you to help me unblock my account and get my money.
Product: Mortgage

Mr Cooper acquired our loan XXXX XXXX XXXX XXXX, their system was hacked ; but we were not notified until XX/XX/XXXX. I actually found out they were hacked on the internet. In late XX/XX/XXXX, we received an email stating that our monthly payment would be increasing. When I called to ask why, I was told they require a certain amount to be in the account and was told that I could pay the amount that was required or it would be added to our monthly payment. The additional they are requiring has nothing to do with escrow or taxes. The amount they are requiring is basically a monthly payment. I have never heard of a mortgage company requiring this. Every month, we pay additional principle to help pay off our loan quicker. I think it's ironic that this is the same amount they are requiring we pay every month. I think they are a fraudulent company. I also think the consumer should have a say when one company sells their loan to another company. Or at least given the opportunity to find a company on their own.
Product: Debt collection

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Prepaid card

XX/XX/XXXX I went into the Regions Bank at XXXX XXXX XXXX, XXXX TN to do a cash advance from my work card to put into my Region account to pay bills. When I first came into the bank, I noticed the manager was with the teller, but as I approached the teller, he walked off, but as I sit there with the teller, she started to do the transaction. I told her to pull out {$600.00} from my XXXX XXXX XXXX  and put it into my Region account. She successfully pulled the money from my XXXX XXXX, but fail to put the money onto my Region account. She called XXXX XXXX XXXX he didnt try to assure me that my money would be returned to me in any type of way. I also file claims and cancel the card and got a new one.
Product: Debt collection

XXXX sold a loan that I had with them to SST after they went out of business. SST charged me with late fees even though I am current with my payments. They also have called me 10x since Saturday ( as of XX/XX/19 at XXXX ) to say that I have delinquent payments, although I have manually submitted payments as well as being on autopay. 

I've tried calling to discuss with a representative at SST corporate and can not get through. I've tried discussing with the rep that calls but they're offshore and then hang up on me. They keep calling and harassing me.
Product: Mortgage

We purchased the house in common with three people- 2 of whom have the same last name. The third person is routinely left off the mortgage and we had to call multiple times to have them added to the mortgage again. This adversely affected their credit report. 

We refinanced with the same company and again the same person has been left off the mortgage. According to the credit bureaus they are not on the mortgage- we will have to call and correct this AGAIN. They legally own the house and signed the same paperwork as co-borrower. It is due to the incompetence of Guaranteed Rate Inc that this continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response from lender requests account information which I dont have access to & it states above not to include the information here. How can I resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently used my credit card to buy some XXXX gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from capital one, XXXX, XXXXXXXX XXXX, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue