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

My name is XXXX XXXX. I am filing a formal complaint against Local Finance in XXXX XXXX Georgia. I have been utilizing this company since 2020 I recently renewed my loan at this company in XXXX of this year. I have payed this loan down the amount unknown right now to the amount of c. $ {$250.00}. They informed me that I can renew this loan but when they told me that I can only receive {$40.00}, I became suspicious ; and called the branch manager. I asked her why I was paying a high interest rate despite the fact that I have payed off numerous loans with this company. She then said that she does not know ; and that I have to have 4 loans at the same rate for them to increase my payment from XXXX to XXXX. Also I asked her why my loan is not being reported to the credit bureau. She then said that they have switched over to a different company and that its not being reported because of this reason. After a little time she then said that the reason that the interest is high is because they are a short term lender. I feel that I have been forced into some of the loans that I have taken out. The reason that I say this is because I tried to pay my loan off in entirety and a worker there informed me that she just had someone post off their loan and I need to wait wasnt just pay it when it comes due. Which makes no sense given the fact that its not being reported on my behalf. I need this to be looked into further. If possible to be reimbursed in full if there is any malpractice. 

Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, my credit limit was decreased and the company didn't inform me prior to making this change. I had a good standing with my account and did not have any late payments. Last year I was laid off from my employer and still made on-time monthly payments for the 8 months I was out of work to my account with Synchrony. In the past, I would pay off my balances in full but while unemployed, I started making the minimum payment. I have never carried a balance greater than 35 % of my XXXX credit limit. I did have 2 late payments on other accounts on my bureaus that have nothing to do with Synchrony. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of { {$800.00} } and it was decreased to { {$220.00} } which now because of my XXXX balance has affected my credit score by increasing my credit utilization and decreasing my available credit limits. There is no reason for this decrease. I emailed and received a response that makes no sense whatsoever regarding my situation.
Product: Credit reporting or other personal consumer reports

Letter was sent to Experian for debt validation after they would not and did not remove the collection according to FCRA guidelines. Experian responded back stating the debt meet the requirements, but did not provide the process of how they validated the debt, nor the requested information sent in the letter, required by law.

Subject : Debt Validation Request for Account # Dear Experian, I am writing to request validation of a debt reported on my credit report. The account in question is listed as follows : Creditor : The XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Number Balance : Date Opened : XX/XX/year> The report indicates a consistent collection status since XX/XX/year>, and I dispute the accuracy of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that the following be provided : Verification of the debt, including the original contract or agreement. 
Documentation showing that I am responsible for this debt. 
A detailed account of how the balance was calculated. 

Please consider this a formal dispute of the debt 's validity. I expect a response within XXXX  days of receipt of this letter, as required by the FDCPA. If the debt can not be validated, I request that it be removed from my credit report. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I went to use my card. I had a balance of XXXX and was declined. Turns out someone got ahold of my credit card number, I still have the card in my possession, a fraudulent charge made of XXXX and they left XXXX on the card. I called Vanilla customer service and received the dispute packet and submitted back on XX/XX/2022. The rep. told me the charge was from XXXX. I locate the website and sent an email to customer service. I received the email back which appears not a legitimate company. After I submitted the dispute packet to Vanilla, I received an an email stating Please allow time for the processing of your dispute. The entire cycle can take 45-90 days, however, some cases are resolved before then. I called in 45 days and was told still working on case. I called on XX/XX/2022 and told by end of business they will have the results to call back the next day. I called back on XX/XX/2022 and the rep tells me still working on case to call back in 3- 5 business days. I told her this was to be already resolved since it is more than 90 days. I was already told to call back and I have and now this case is in my favor, the email specifically states 90 days. She stated needed more time and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2023 a company contacted me about a {$12000.00} debt claiming it's from an old landlord that evicted me and is reporting that I wrecked the apartment upon leaving which is a lie. I showed the company proof that he never fixed the house and it even had electrical issues. The house caught a fire during the night and it could have cost me my life and now he is making up lies and the company is siding with him even though I sent proof. I'm even to the point of having a meeting with a lawyer on Monday so they can help me. Cause false report is messing up my credit why he gets money from old tenants. Ive even requested receipts and proof of my damages that I supposedly made and I have gotten no response or proof, they have completely disregarded my request.
Product: Mortgage

I was prequalified for a mortgage loan through Cal Atlantic mortgage, i put a down payment on a new home in XXXX California, we suppose to be able to move by XXXX XXXX. Was pequalified in XXXX XXXX.My son was signing with me on the loan. XXXX XXXX was the loan officer, she said as long as me and my had employment in the area we were living we would be able to get the loan, plus i was putting down over 40 percent in a down payment. I was able to get a transfer with safeway to the area we were moving. My son was not able to get a transfer with XXXX, XXXX said it would ok aslong as he got a job in the same industry it would ok.So my son XXXX got as job about sixweeks later. He was hired aT XXXX XXXX, same industry. He started in early XXXX. We were told through Cal Atlantic our House would not be ready til early XXXX. Since mid XXXX we had been staying at extended stay hotels in XXXX california, we had tobe out of our house in XXXX XXXX in XXXX. Once XXXX started his job XXXX started the loan process again.She was constantly asking for more paper work, paper work that, i had already faxed. She was very unorganized, very hard to communicate with, i would call her she wouldnt return my calls or emails.So the whole time this has been costing us alot of money staying in hotels, i have my mother who is XXXX, and my XXXX year old grand daughter who im raising.XXXX came around we were waiting for the lo.n to go into escrow. XXXX underwriter kept asking for more and more paperwork. then on XXXX XXXX XXXX called me said our loan was denied because of me and my sons jobs, that because i was transfered with my company i have been with30 years. We never received a letter from CAL Atlantic saying why we were denied. I had to find another lender, who instantly gave us an approval. We finally moved in our new home on XXXX XXXX after spending thousands of dollars in extended stay hotel
Product: Debt collection

In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} Experian - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}
Product: Student loan

This loan is not mine it should go under my daughters SS # while this is affecting me getting financially causing hardship by me having to refinance my mortgage.I continue having a low credit score with these student loans of {$47000.00}. Please remove me from all credit reporting as I should not be the primary burden of the loan. 

Thank You Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}.
Product: Debt collection

I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
Product: Debt collection

Disputed an account from XXXX XXXX XXXX on XX/XX/year>. My dispute results were estimated to be completed by XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally lodge a dispute with Experian regarding erroneous information present on my credit report. My previous attempt to resolve this matter directly with Experian, initiated on XX/XX/XXXX, has unfortunately yielded no response as of the date of this correspondence. 
The discrepancies I wish to address involve the following accounts, which have been inaccurately reported on my credit report : Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : Kindly rectify this inaccurate information promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I respectfully request the correction of this erroneous data on my credit report, as mandated by the FCRA.
Product: Payday loan, title loan, or personal loan

I took out a title loan on XX/XX/2020for {$1600.00} at 200 % interest. I made my first payment and over paid by {$100.00}. Then shortly after my state ( IL ) was placed under shelter at home order due to COVID-19. Since that time I have been unable to work due to the governors orders. Since I am XXXX XXXX  I can not start receiving unemployment benefits until XX/XX/XXXX. Therefore I have had no income and have been balancing feeding my family, paying my bills and preparing for an uncertain future. 

I spoke with XXXX XXXX and TitleMax and explained all of this to them. The understanding was that the late fees would be waived, the interest would continue to accrue and I was told to pay when I could. Yet I have received multiple phone calls every day since asking for money. I even received a notice of default signed by the very person I spoke to on the phone. During this moment of crisis this has become very stressful and worrisome as we do not want to lose our family vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

checking credit My credit has been reported delinquent 30, 60, 90, 120 days and it was supposed to be corrected. It is showing that this is over 10 years old. I spoke with my previous servicer, XXXX, and it was supposed to be corrected before it got moved to Nationstar. Nationstar continued to report delinquent when it was supposed to have been corrected.
Product: Credit card

At some point, my bank XXXX shifted my due date in the month without my knowledge. It used to be on the XXXX of each month, and at some point must have switched it to the XXXX without notifying me. I typically made my payments between XXXX and XXXX of each month, but today I logged in on XX/XX/year> to learn they had at some point in the past shifted it to the XXXX, because they had already already charged a late fee on my account.
Product: Credit reporting or other personal consumer reports

MOHELA/DEPT OF ED {$2200.00} and {$3500.00} Account number XXXX Address XXXX XXXX XXXX, MO XXXX phone number ( XXXX ) XXXX Date opened Date opened XX/XX/year> I demanded them to take off and remove any information that the creditor can not verify. I understand 15 u.s.c sec. 1681i ( a ) an law 15 usc 6801 protection of info law 15usc 1681a remove inquiries law usc 1692cc remove collections and law 15 usc 1615 and consumer credit transaction as soon as the consumer prepays in full anything over {$1.00} suppose receive all credits back which they never did and I want this off my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you to look into XXXX. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that XXXX puts the payments XXXX makes from direct bank payments, to where XXXX wants to apply them. Who does this? This also happened during Covid. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX
Product: Debt collection

Incorrect information filed against me for unknown debt. Debt is NOT CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this compliant is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. 
I received a XXXX for the debt in 2013. Which was included on my taxes.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018 2018