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

I Took a Loan Out From Ace Cash Express Roughly 2 Weeks Ago. I Get Paid Semi Monthly On The XXXX And The XXXX As It Clearly States On My Paystubs That Ace Cash Express Has In Their System. Ace Cash Express Decided My Payment Was Due 3 Days Before My Pay Date On The XXXX ( XX/XX/2021 ). I Received Messages About The Payment Being Due On The XXXX And Called In To Advise The Customer Service Reps Of My Date And That My Payment Shouldn't Be Due On The XXXX. They Told Me That I Had A 6 Day Grace Period And Should Be Good To Go And Never Once Mentioned Extra Interest Charges Or Late Fees. When I Went To Pay The Loan Off On The XXXX, I Was Charged An Extra {$200.00} To Pay Off The Loan. The Pay Off Amount Should've Been {$1600.00} And Instead It Was {$1800.00}. This Is Absolutely Ridiculous And I Should Not Be Charged Extra For Their Mistake
Product: Credit reporting or other personal consumer reports

In In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I took action on XX/XX/2023 to dispute the delinquency reported on my credit report because I paid the car off early. I paid off a 60 months loan in 22 months. 
My payments were {$130.00} a month and my last XXXX payments were {$4000.00} and {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?
Product: Credit card or prepaid card

I applied for a credit card with Avant around XXXX XXXX. The card was activated if XX/XX/23 without me having ever received the card. I alerted the credit card company and was issued a new card. I activated the second card on XX/XX/23 and to my surprise the credit card account was already maxed out. There were purchases made at XXXX on XX/XX/23 which would have been impossible for me to do considering I hadnt ever received the first card. Plus the charges say they were made in XXXXXXXX XXXX. I can account for my whereabouts on XX/XX/23 my timesheets at my job can show that I was in fact at work and I have no means of transportation to get to NJ, thus it wouldve been physically impossible for me to make those charges. I contacted Avant numerous times here are some of the following dates of when I reached out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I also contacted each credit bureau to report the fraud and alert them that the card although it was in my name it was in-fact not my card considering I never received it and that there were fraud charges. The company refused to refund the charges on the account and had continued to tarnish my credit via reporting that I have not paid the minimum and in addition to that, that the card is over the limit. I have worked tirelessly over the years to repair my credit and can not understand how they can be allowed to get away with such fraud. In addition to all of this, they began verbally harassing me, calling me multiple times a day demanding I set up a payment and refusing to acknowledge that I have been robbed of my credit card and that there is fraud on my account. I have gotten into multiple verbal altercations with them, and will be filing a police report today ( XX/XX/23 ). This company is extremely unreasonable and I will sue them if I have to. These charges are fraudulent that are on the card, and it seems like they have something to do with it considering they did not find any evidence of fraud after I called and made several allegations.
Product: Credit reporting or other personal consumer reports

Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I would like these accounts removed because they are inaccurately reported and have a negative effect
Product: Debt collection

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from Commonwealth Financial Systems. I have made several calls to the original collector XXXX XXXX XXXX and no one is able to help me or tell me what this is about. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received. LASTLY, the account number showing is XXXX all this should be visible on my report. Please rectify this.
Product: Credit reporting or other personal consumer reports

In reference to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST IMMEDIATELY be blocked and removed from my credit profile. Once a report of identity theft is made and i am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of the information are prohibited from reporting information that they XXXX XXXX have reason to believe is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EACH OF THE LISTED ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT OWED BY ME. Reporting FALSE INFORMATION is a direct violation of federal law and has unjustly damaged my creditworthiness. I DEMAND THAT YOU DELETE THE INACCURATE ACCOUNTS FROM MY CREDIT IMMEDIATELY AND CEASE ALL FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT BUREAUS. PLEASE PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS I have filed a FTC COMPLAINT as well and have attached below. FTC report # XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX. I reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting or other personal consumer reports

My credit score was lowered by XXXX which supplies information to Bank of America. The reason was too many open accounts. I am XXXX  and only owe what is currently on my credit cards. The accounts total that are open has a XXXX balance which I paid off in full and another account with XXXX balance which XXXX of it has a XXXX interest promotional component for a year. My score went down with XXXX open credit card accounts. XXXX had balances nowhere near my limit. If you have XXXX accounts open with around XXXX balance out of XXXX in credit and never failed to pay on time how can XXXX downgrade my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx
Product: Mortgage

Shellpoint sent me a message requesting payments for XXXX when I already made all the payments according to our payments plan agreement. They are not reporting the payments as they had made. On XX/XX/XXXX, both payments were taken out of my bank accounts by shellpoint but they are still sending me email to let me know I'm late when this is not the case. I have made all my payments on time and it still showing on their accounts that I still own XXXX payments when I already made them. This is outrageous and unprofessional. I contacted their customer services twice today an they are saying they can't locate my payments and are keep sending me emails about being late. This company need to be investigate because I'm pretty sure I'm not the only one having to deal with this issue.
Product: Credit reporting or other personal consumer reports

I am a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to reopen the matter regarding the debt Contract Callers states that I owe which has been previously proven not to be mine. Despite this fact, it appears that the debt has been resold to this agency. Iwant to reiterate that there is no valid evidence linking me to this debt, as I have not signed any contracts related to it. Contract Callers has failed to provide any documentation supporting their claim. 

I request that you provide proof of the debt 's validity, including any documentation that demonstrates my obligation to repay it. Until such evidence is provided, I insist that you cease all further attempts to collect on this debt and remove this inaccurate information from my credit report. 

In addition to copies of the original contracts, I am further requesting documentation of the chain of ownership since this debt was previously disproven, and verification of this debt. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a direct deposit from XXXX XXXX XXXX I it had a overdraft payment on it the total was XXXX was suppose to be sent to me in the mail in 6 days never showed up so on XX/XX/XXXX it was sent to treasury department and routing # XXXX acct # XXXX XXXX XXXX. Check number XXXX amount XXXX brinks meltdowns per paid card I have the XXXX XXXX card now and XX/XX/XXXX and still have n't received the funds and been to social security 5 times and to no avail no money yet
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX. I submitted a dispute because I am a victim of identity theft, and I provided you with a notarized Identity Theft Affidavit. You claim your so-called " investigation '' was completed on XX/XX/year>, but I have yet to receive any transparency or satisfactory explanation. Let me be clear : I never applied for any XXXXXXXX XXXX which submitted notarized affavit stating that this isnt mines due to my identity being stolen. Your mishandling of this situation is unacceptable. I am demanding, within 5 days, the following : Full disclosure of every step and procedure you used to determine the " accuracy '' of the false information I disputed. All documentation related to your investigation, including interviews, evidence, and anything you used to make your decision. What is the name of the man or woman who verified the XXXX XXXX Account? If you are challenging my notarized affidavit, I expect Equifax to provide a notarized affidavit under penalty of perjury that specifies exactly who was interviewed and who verified your claim. Equifax If the name of the man or woman who verified this account is not furnished to me it proves that no man or woman has verified this account and this must be removed immediately from credit profile immediately. You have 5 days to provide this information to me
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit repor have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me thanks.
Product: Credit reporting or other personal consumer reports

I have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : XXXX XXXX XXXX XXXX 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
Product: Mortgage

I requested that the PMI be cancelled in XX/XX/XXXX when the loan amount dropped below 80 %. So I would like to be refunded the XX/XX/XXXX and XX/XX/XXXX PMI premium payments. I was told by customer service ( XXXX ) that PMI premiums will be refunded retroactively. If you review my phone conversation around Tuesday XX/XX/XXXX. You can confirm this. 

PMI was required to be cancelled in XXXX because the amount owed on the loan dropped below 78 %. This has nothing to do with requesting cancelation in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}.
Product: Credit card

Upon making a payment to my Sam 's Club and JC Penney credit card accounts, I discovered that my card was closed. I did not receive any documentation from their issuer, Synchrony Bank. Upon contacting them, I did not get a clear understanding and as to why. It seemed as though I'm being discriminated against by the credit issuer as I have encountered unpleasant calls to them when I had to get XXXX cards issued to me due to theft of my vehicle and my apartment being broken into in XXXX of XXXX. Things were never the same with Synchrony Bank after that. I'm a woman of XXXX who used these accounts for business purposes and now have to resort to other options. This will permanently damage my credit and will lead to more discrimination by other credit issuers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my XXXX  and Equifax with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
Product: Credit reporting or other personal consumer reports

I sent a compliant to Transunion in XX/XX/year>. As of today past the 30 days, the complaint has not been addressed and the errors/ fraudulent information is still on my credit report, past the 30 days furthermore as per the FCRAv iolation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

This company is attempting to collect a debt which is not mine. I have proof to substantiate my report and will seek legal action if this matter is not cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting Equifax to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXXI have been XXXX XXXX  customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, Equifax, XXXX and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customersXXXX XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.