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

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you.

Accounts Opened Amount CAPIO PARTNERS XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was approached by One Main Financial after completing an online application. I was told i was approved for {$6200.00} installment personal loan or {$11000.00} for a secured loan ( using my car ) i provided all documentation asked for right away. I was called at the end of the day and told that is was approved for the above amounts but my credit report had verbiage on the loan i was trying to refinance as a student loan. i called the company ( XXXX XXXX ) and sent documentation to show it was not a student loan. I was then told it was accepted with the same amounts but they were going to ask the underwriter if they could {$10000.00} to pay off a few more items but i was approved for the above loan. Two days later i called for status and was told the loan amount was reduced to {$3600.00} due to income. So i said ok to go forward and then she paused for a few seconds as if she wasn't expecting me to agree with it and then said sorry your not approved for any loan at this time enen though 5 seconds earlier she said i was. They tried to blame my income but just 5 minuets before i agreed my income was not an issue. The  income I am referring to is from my second job with XXXX where i take in approx XXXX a month. I provided proof of that however i am told I am wrong and that i only take in XXXX a year. Not true. There are no expenses i pay for other then XXXX. For tax purposed we add in XXXX  and XXXX  amounts paid but only for tax purposes it does not reflect actual income. Any underwriter who worked with income knows that what is on taxes is a limited picture of actual. I provided that actual pay report of what i take home weekly but they refused to look at it. I feel i was discriminated agents for being a XXXX. as they indicated that XXXX  dont make money. Not true. That is judgement on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went into XXXX XXXX to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both XXXX and XXXX that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). XXXX  refused to remove the fraudulently opened account from my report. I haven't yet heard back from XXXX. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies Zelle and my financial institution failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions were not feasible The CFPB findings indicate that Zelle had not only failed to protect consumers but have also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is highly unacceptable and raises serious concerns about consumer safety and protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.v
Product: Credit reporting or other personal consumer reports

All three companies make it impossible for me to access my credit report via XXXX XXXX XXXXXXXX This has been going on for YEARS ever since I moved to a XXXX XXXX XXXX Every time I apply, the web site says unable to comply and to send my request via mail. I have been waiting more than 12 weeks for them to respond. This has happened EVERY year since XXXX Please get all three to allow me to access my credit reports via XXXX XXXX XXXX Thank you
Product: Debt collection

An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.
Product: Checking or savings account

i had tried to re open an capital one 360 account online and was denied
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to XXXX XXXX XXXX. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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. 

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 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 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 can not furnish an account without my written instruction 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.

For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Product: Debt collection

XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.
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. 

Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 : XXXXXXXX XXXX Account XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. 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 ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 

Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Source of information : 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 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 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

Upon viewing my most recent consumer report, I saw a XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX  loan through Ben Franklin Finance to do XXXX XXXX. All the XXXX  were on line, no books only the computer. When I started the XXXX XXXX which I did not finish due to the XXXX  not speaking fluent english. I couldnt understand anything she was saying. I never enrolled into another XXXX. but I was continuing to get charged but I never saw a dime of the money, It stayed with Ben Franklin. I stopped making payments. Im not the only person they have done this to. They have had many c/o fraud with the XXXX XXXX XXXX . 

In accordance with the Fair Credit Reporting Act the following Creditor has violated my rights under : 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 as account without my written instructions. '' Ben Franklin Finance
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Product: Credit card or prepaid card

I bought some shoes from XXXX which turned out to be defective. The zipper broke. I contacted XXXX and they sent me a replacement and I just had to send back original pair. 
I decided to send back both pairs with the shipping label provided. 
I received my bill and it still had the item on the bill. So I disputed the amount. A month later, XXXX sent me a letter that they needed further information to resolve the dispute and to call number on the letter. I called the number on the letter, XXXX, and it said they were closed due to Covid. Ive called once a week since the letter was mailed to me in XXXX. I received another letter today that since I did not call to furnish the information needed, the dispute was closed and not in my favor. I just tried calling the number they provided again. And it still says theyre closed due to Covid. 
If thats the case, why would XXXX close my case? Rather than extend the investigation period. Obviously someone is working, and taking adverse, unfair actions not to my benefit. 
As if today, I am yet to receive my refund for the purchase.
Product: Checking or savings account

Capital one has locked my checking account with my money for years now, they claimed they were doing an investigation, but never sent me the details or refunded my money back to me. Robbing me of my hard earned money. I demand my funds be released to me asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX