23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a home depot credit card. When I went to start a project with home depot, the contractor came to my house, and helped me increase my balance to the home depot credit card so that the project can be financed. I was told there was 24 months 0 % interest. I had made my payments on auto pay, so I don't have to worry about late payments. so It is my fault for not checking, but no when I went to check the balance, I notice that the balance is way over what the project cost. When I called to inquire about it, they said that we only had 12 months deferred interest, and they don't show anything on the file about the 24 months 0 % interest on file. And since I'm calling 60 days over the 12 month promotion, they can't fix the account. So I'm stuck with {$6000.00} deferred interest plus {$500.00} something on monthly interest alone. At this rate, I will not be able to pay the balance off at all. I told them that, and asked to find a solution and the customer service lady said they can not help me at all. and when I asked for a manger, she said the manager will most likely give me the same answer.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit report that are causing undue hardship in my efforts to improve my life. Recently, I have been striving to refinance my vehicle and secure a new apartment. However, I discovered several damaging errors on my credit report that are severely hindering these endeavors. 

I have always maintained a diligent approach to managing my finances, and these inaccuracies are not only unwarranted but also profoundly unfair. As I understand it, under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to an accurate credit report. Specifically, the law mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they compile and distribute.

The inaccuracies on my credit report are a defamation of my character and have a detrimental impact on my life. The errors have resulted in higher interest rates for refinancing my vehicle, and potential landlords have declined my rental applications. This situation is causing significant stress and preventing me from making the positive changes necessary to better my financial stability and overall quality of life.

Refinancing my vehicle would allow me to secure a lower interest rate, thereby reducing my monthly expenses and freeing up much-needed funds to support my family. Similarly, moving to a new apartment is crucial for my well-being and personal development, as it offers a safer and more supportive living environment. 

The importance of an accurate credit report can not be overstated. It affects many aspects of daily life, including the ability to obtain employment, secure housing, and even access basic utilities. The errors present on my credit report are not only inaccurate but are also causing me emotional distress and financial strain. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and take appropriate action to ensure that these inaccuracies are corrected promptly. I believe that adherence to 15 U.S.C. 1681 will not only rectify my current predicament but also prevent such issues from occurring in the future, thereby protecting consumers from unwarranted harm.

Thank you for your attention to this serious matter. I am hopeful that with your intervention, my credit report can be corrected, allowing me to continue my efforts to improve my financial situation and secure a better future for myself and my family. 

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

We certified mailed the following letter to Navient on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Navient XXXX : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Goodwill Adjustment To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to Navient resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our Navient account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXX 's security breach occurred in XXXX and lasted for weeks. I contacted Navient and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that Navient falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, XXXX and XXXX for the aforementioned reasons. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services ( please note that all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services needed to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of XXXX  who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts could not be removed. They are willfully supporting criminals who are stealing identity information to obtain goods and services causing ordinary people like myself to be held responsible. Equifax has violated my rights and federal law with their unscrupulous business practices.
Product: Credit card or prepaid card

I reported unauthorized charges on my comenity credit card but they still reported it to the credit bureau l. I submitted an investigation request to both credit bureau last. They confirmed the fraud, took the credit card off my report. Comenity is harassing me threatening me with debt collection. I receive at least 5 calls a day and now receive texts even though I opted out.
Product: Credit card or prepaid card

Im convinced my identity has been compromised because : I received a credit card from HSBC Bank USA, N.A. which I did not request. A scan of that card and letter are attached ( XXXX XXXX HSBC Card.pdf ). Note the Reference Number : XXXX. 

I contacted HSBC and they had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem. 

A scan of the card and accompanying letter has been uploaded. The file name is " XXXX XXXX - HSCBC Card.pdf ''.
Product: Credit card

I remitted the statement balance on the account on XX/XX/year> in the amount of {$100.00} representing the full balance owed on the Citicard Shell Master Card. On XX/XX/year>, I was notified by the company that the payment had not been received, 30 days after remittance. I then re-issued and mailed a second check for {$190.00} which represented additional and subsequent charges as well as the earlier remitted statement balance of {$100.00}. At that time I requested waiver of the {$29.00} late fee as well as accrued interest which was honored, confirmation received. Citicard services again contacted me subsequently on XX/XX/XXXX via " late notices '' stating that the account was past due and that there was not record of the second remittance for {$190.00} mailed XX/XX/year>, some 9 days earlier. Being annoyed with the now two " missing '' remittances, I sent in the cut up credit card to effectuate closing of the Shell MasterCard account. This account 's history reflects that I have never had issue with or had never been remiss in making timely payment of the entire balance before payment was due. Yesterday, XX/XX/XXXX, I spoke to a XXXX of the Executive response team regarding this matter. She firmly told me that the processing center had NO RECORD of either payment remittance. Yet, at XXXX today XX/XX/XXXX, I received an e mail thanking me for the {$190.00} payment and that it was being processed, now 24 days subsequent to the mailing of the remittance. CitiCard 's processing center is delaying processing of payment remitted and is effectively " losing '' customer remittances. This appears to be an overt effort on their part to generate late fees and interest to inflate revenues in a possibly fraudulent manner. As of yesterday, XX/XX/XXXX, I stopped payment on both remittances allegedly missing and unreceipted and reissued my payment in full, less the stop payment charges assessed by my credit union, {$25.00} per check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had informed me that the my payments were current. A credit report showed that i was in good standing in 4 loans but not the 7 other loans. I called the customer service rep and they informed me that i was late on 10 loans, and that i should consider placing the loans on deferrment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX  submitted a hard inquiry on my credit report on behalf of the XXXX XXXX XXXX XXXX. I did not apply for credit authorize a check, nothing even remotely close. It is on Equifax.
Product: Mortgage

I enrolled in the biweekly payment program at Banco Popular for my conventional mortgage, and the next statement it showed that my partial payment was unapplied and being held until the other partial payment was sent through. This defeats the purpose of providing a biweekly payment schedule, where it would be understood that a payment received would be applied towards the principal and interest rather than being held unapplied.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to TRANSUNION with file number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XXXX  XXXX on XX/XX/year>2024 XXXX XXXX on XX/XX/year>2024 XXXX  XXXX on XX/XX/year>2024 XXXX  XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX on XX/XX/year>2024 Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Product: Credit reporting or other personal consumer reports

That my correct name is XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, address is XXXX XXXX XXXX XXXX CA XXXX. 
No other names or aliases or addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX, Account # XXXX, Address ID # XXXX 2. XXXX Account # XXXX 3. XXXX Account # XXXX 4. WELLS FARGO HOME MORTGAGE Account # 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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
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. The following issues are not allowing me to purchase a home for my family. Please consider and remove. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Experian has failed to fulfill its legal obligation under the Gair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, Number : XXXX XXXX, XXXX
Product: Vehicle loan or lease

I have been having difficulty making payments because my mortgage modification has come to and end and has impacted me financially. I recieved a letter in the mail by Onemain Finacial by the district manager in XX/XX/2019 that they can lower my payments or the interest rate to make it easier on me financially and when I called to ask for help they said to me that I would have had to have lost my job even after I explained my hardship with my mortgage increasing. So I tried asking for a payment deferral and arrangement to have my payment taken on XX/XX/XXXX and deferr the payment for XXXX. They sent me something to sign electronically but it wouldnt work and I explained that to them it wasnt working when I went online. So I made the payment myself XX/XX/XXXX and then they took out an additional payment from an account of mine that I didnt authorize. They didnt verify the account or anything they just took a payment from another account which I changed a long time ago because it was an account I dont use. They have caused me further default now in income and to look bad at my job where I work. I have also asked they not contact my job and they continue to do so. This is beyond unethical and should be handled accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies. 
1. Ars Account resolution Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with.

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX an account XXXX XXXX  was disputed from transunion with a balance XXXX and was investigated upon results they updated the credit report but failed to remove the account for inaccurate reporting this account belongs to a person with similar name. We reached out to original creditor they failed to provide proof of this account. Please remove account immediately. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719,
Product: Credit reporting or other personal consumer reports

This is really worrying, it has kept me up many nights due to anxiety wondering how this could have happened. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized or applied to them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : Chapter XXXX bankruptcy discharged Reference Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account Number XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX GRAIN XXXX XXXX Balance : {$950.00} Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX Credit Limit : {$100.00} XXXX XXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my credit report.