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

I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.
Product: Credit reporting

Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me.
Product: Payday loan, title loan, or personal loan

I borrowed money from Loan Me XX/XX/2017 for unexpected household emergency. I began repayment as agreed and paid over half of the loan amount back to Loan Me over the next several months. Loan Me charged me triple the interest on my loan and after paying half of the loan amount back in a timely manner I still owed more than the original amount borrowed. I contacted Loan Me several times to resolve this matter and they refused to agree to a settlement. Now 3 years later they have a wage garnishment and 25 % of my salary is being taken from my paychecks after being unemployed for nine months because of Covid 19. The total amount that they are garnishing from my paycheck is {$2800.00} which is only {$190.00} less than the original amount borrowed three years ago. However, I have already paid over {$1500.00} of that original debt back to them. These fees plus interest are excessive and over the usuary law in the state of California! Loan Me is a company that takes advantage of people in desperate situations and exploits them. What Loan Me is doing to me as well as many other Americans is abusive and should not be tolerated!! I am a single dad of XXXX and already paying 25 % of my salary for child support. I can not afford to take care of my child with this wage garnishment being removed from my pay check! Please help me!
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 violate 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : XXXX XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 U.S.C. 1681e ( b ) ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), it is stated that : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the consumer 's file or modify it as appropriate, based on the results of the reinvestigation. 
( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. 
Additionally, according to 15 U.S.C. 1681s-2, a person is prohibited from furnishing 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

I called Equifax and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there erroneous accounts on my credit report which are misleading to me. I sent a letter to Equifax and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$9900.00} ; XXXXXXXX XXXX  Balance : {$9800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to express my strong objection to the fraudulent items on my credit report, and I demand their immediate and unconditional removal from it. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the credit bureaus ' responsibility to ensure that the information they report is accurate. The presence of these fraudulent items on my credit report is causing significant harm to my creditworthiness, and I urge you to rectify this situation without any further delay. I want to make it clear that I have already reported this fraudulent activity to the relevant authorities and have provided all the necessary documentation to prove that these items are fraudulent. I have also requested the creditors responsible for these fraudulent accounts to investigate the matter and remove them from my credit report. However, despite these efforts, these fraudulent items are still showing up on my credit report, causing me extreme frustration and financial hardship. I need the following items removed as soon as possible : XXXX  XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$120000.00}. This is a blatant violation of my rights under the FCRA, and I demand that you take immediate action to remove these fraudulent items from my credit report. Furthermore, I expect written confirmation of the removal from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basis for the dispute : On Experian Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On XXXX is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied thXXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problems is with Chase bank and XXXX  XXXX XXXX. My account were closed due to a fraud and its now XXXX I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XXXX {$550.00} XXXX XXXX   {$610.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX   {$2100.00} XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX XXXX   {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}
Product: Payday loan, title loan, or personal loan

I took out a personal loan in person with One Main Financial in XX/XX/2016. 36 month loan. Personal unsecured loan for {$2500.00}. They required me to have XXXX XXXX and XXXX. I lost my job XX/XX/2016, but continued to make the payment, after several months I became behind. I reached out to them several times in hopes of help. I asked about the XXXX XXXX, and they told me I didnt qualify, even though I had been paying for the product the entire time. I also signed the papers in person with an ink pen! Well XXXX of this year they took me to court to sue me for even more then the loan amount! My balance was {$1100.00}. They want to collect {$2700.00}. They are thieves! Not to mentions I was protected! Also they put in the court documents that it was a secured loan, which it wasnt, and that I signed it electronically, which so didnt, and my initials werent even correct on the loan documents. This company originally was Spring Leaf Financial. Its like they reproduced fake loan documents to take me to court to place a judgement against me for double what I owe them! This is robbery! And Fraud!
Product: Credit card

I have had a Credit Card with Wells Fargo for over XXXX years and NO one is able to tell me why I cant get a limit increase
Product: Credit reporting

XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XX/XX/XXXX. Yet Experian consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from XXXX program to another program. Yet Experian consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I no longer have ( XXXX ) phone number. Yet Experian is consistently using this phone number. 
I have mailed many times to Experian to correct these errors. Experian is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.
Product: Debt collection

I have asked for help since XX/XX/21 with a debt due to XXXX hardships from XXXX XXXX XXXX XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security disability funds Blessings
Product: Mortgage

I applied for a refinancing of my mortgage with Quicken Loans. Quicken Loans provided some but not all of the terms of the loan. Quicken Loans collected a {$500.00} deposit to cover the appraisal at the time that the terms were provided orally over the phone ( not in writing ). The appraisal was completed on XX/XX/2020. The total cost of refinancing was not fully disclosed to me until I received the Loan Estimate on XX/XX/2020. The Loan Estimate revealed that the principal balance of my mortgage would be increased by {$18000.00} as a result of the fees charged by Quicken Loans and that I would be charged PMI, all of which was also not previously disclosed to me. As the terms of the loan were completely unacceptable I terminated my application with Quicken Loans. Because I was deceived regarding the terms of the loan I demanded a refund of the {$500.00} deposit. My request was denied by email dated XX/XX/2020. The representative who denied the request was XXXX XXXX ( XXXX ) XXXX. 

The failure to disclose all of the terms until after the appraisal was clearly a tactic on the part of Quicken Loans to pressure me into accepting the loan terms. By terminating the application, I forfeited the {$500.00} which would have been rolled into the mortgage had I completed the process. This is a criminal organization seeking to take advantage of consumers at a time when many are suffering severe economic hardship.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a XXXX XXXX, which has resulted in fraudulent accounts and inquiries appearing on my credit report. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents from XXXX XXXX from a previous complaint. They have agreed to delete all inquiries and negative items on my credit report. Transuion has not followed their orders and is continuing to keep these negative inquiries and reports related to XXXX XXXX on my credit report. I was a victim of fraud and have proved my identity was compromised. With proof of my email, address, you home number and letter stating that. If this matter is not deleted or resolve with Transuion I will take higher matters.
Product: Money transfer, virtual currency, or money service

I was XXXX XXXX  and was scammed I am a XXXX XXXX XXXX and was hoping to get this job from XXXX  but never know it was a scam
Product: Credit reporting or other personal consumer reports

The complaint was sent to the companies on XX/XX/XXXX and companies has not responded within the allotted time frame, I request that creditor happy money is deleted from my XXXX, XXXX, and XXXX credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 


( XXXX XXXX XXXXwww.consumerfinance.gov/ ) All complaints (. ) XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I requested a XXXX C numerous times and did not receive XXXX. XXXX Account charged off. {$9100.00} written off. {$9100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
No company response XXXX XXXX has not responded to your complaint XX/XX/XXXX The company has not responded to your complaint. 
We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds. 

Privacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  More than XXXX languages available. 
An official website of the United States Government
Product: Debt collection

I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( MATERIAL DE XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted XXXX separate disputes to EXPERIAN regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type