23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized and unverified inquires on my XXXX credit file. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Citizens One Auto Fi XX/XX/XXXX. Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Vehicle loan or lease

When I purchased car my credit score was a XXXX and XXXX. I wasn't aware that my interest rate was at 11 percent. I was not aware of this high interest rate. I'm paying more in interest than the price of the vehicle. They wont give me an explanation as to why my interest rate is so high. At this point it will take me until XXXX until I will payoff. I purchased it in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XX/XX/XXXX Reason : [ NEED XXXX LATE PAYMENTS REMOVE THIS ACCOUNT SUPOSE TO BE CLOSED. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that 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. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy 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 received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Payday loan, title loan, personal loan, or advance loan

Although the contract was signed via XXXX, I wasnt expecting the dramatic rate increase. No loan agent called me to go over the terms, and the refinancing option was simply offered in my online portal as a refi without sufficient explanation. 

I am filing this complaint regarding two loans with Viva Finance , Inc., and XXXX XXXX  as I believe their practices may be predatory and violate consumer protection laws, including TILA. 

Loan 1 : Date : XX/XX/XXXX XXXX : 18.49 % Loan 2 ( Refinanced ) : Date : XX/XX/XXXX XXXX : 30.01 % Despite on-time payments under Loan XXXX, I was refinanced into Loan 2 at a significantly higher APR. This increase was not clearly disclosed, nor were the financial impacts explained. The rate increase appears to penalize responsible payment behavior and may violate TILAs disclosure rules. 

I am requesting an investigation into whether the rate increase and refinancing practices comply with state and federal laws. I also request a review of the disclosures and any necessary corrective actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX This information does not belong to me that is why I come to you to delete this address
Product: Credit card

Complaint : Unauthorized Account Opening by XXXX and Fortiva - Violation of Truth in Lending Act ( TILA ) I am filing a formal complaint regarding an unauthorized account opened in my name with Fortiva Financial, connected to XXXX. I did not apply for, authorize, or approve this account, and it constitutes a violation of the Truth in Lending Act ( TILA ). A {$4000.00} charge has been made against my name without my consent, and I am deeply concerned about the fraudulent activity. 

I have filed fraud claims with XXXX, XXXX, and TransUnion.I demand that the following actions be taken immediately : The unauthorized account must be closed, and confirmation of the closure provided in writing. 
All negative credit reporting related to this fraudulent account must be removed from all credit bureaus. 
Written confirmation that my personal information has been removed from your systems and will no longer be used for this or any other unauthorized purposes. 
A. full investigation into how this account was opened without my consent, with a report of the findings provided to me. 

I wrote the company about this and added-This matter must be resolved without delay, and I expect Fortiva to take action within 15 business days. They claim that I did open the account. Which this a lie. This is fraud.
Product: Mortgage

InXX/XX/XXXX we were entered into a forbearance by Bank of America. I continued to make payments though abd called each month to make sure payment was received. Each time I was given a current paid to date. Fast forward to XXXX, I received a statement with an amount due of XXXX. They reversed all payments beginnng in XXXX stating my bank rejected the payment. I called and was transferred about 6 times finally ending up with an account manger. He advised my online access was suspended when I was put on forbearance, yet they credited every payment until XXXX. So now they put us in danger of now losing our home? Yes feel as if they are acting on fraud to collect fees. Im upset as I am still unemployed. I need guidance on what to do.
Product: Credit reporting

I found out that there was a Bankruptcy on Experian, and XXXX. I contacted each bureau and i was advised over the phone by a representative from the bureaus that they spoke to the court house and they court house verified the information. I then went to the court house and asked the clerk supervisor if this information and process was true. I was given a document from the court house stating that this was completely false and they do not speak or provide information to the credit bureaus. I forward the document to each of the bureau and then called to verify that they have received the documents, I was advised yes. It has now been 42 days now and all i have yet to receive a full detail form the bureaus or a removal form my credit report. I am prepared to file a law suit again the credit bureaus if this is not rectify within 15 days of my XXXX notice.
Product: Debt collection

I have no balance of debt card at Capital One bank. Somebody stole the money and make my balance of XXXX. I thank its banks problem. Right now bank ask me to pay XXXX. But I didnt withdraw the money. The bank cant give me any correct report. The bank has no record form their camara
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I requested my credit report from Experian : I noticed that this company documented the same company that I was listed on my credit report four times, on two sheets of my credit report : ( 1 ) XXXX XXXX XXXX, collection, reported 2 times on my credit report, opened XX/XX/XXXX, {$28000.00}, ID # XXXX, times on my ( 2 ) XXXX XXXXXXXX, ID # XXXX, {$870.00}, date opened XX/XX/XXXX, reported 2 times on my credit report, ( 3 ) XXXX XXXX, {$2000.00}, ID # XXXX, opened XX/XX/XXXX, collection. Reported 2 times on my credit report. 
This is error, I would like this removed from my credit report, I have disputed these accounts several times, however they still remain two times on my official Experian credit report.
Product: Debt collection

XXXX XXXX reported an invalid amount to CKS Prime Investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage with Nationstar Mortgage is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.
Product: Vehicle loan or lease

I was involved in a hit and run in XXXX of XXXX  my car was minorly damaged, as a result of this accident i lost my job due to unreliable transportation, at that time in XX/XX/XXXX i spoke with American Credit acceptance and requested to voluntarily return the vehicle i submitted the address and requested auto repair quote, i had gap coverage and they said it was approved and would be taken off my credit report. in XXXX, i called again to resolve as i never received any paperwork abiut the car return and realized it was still reporting on my credit. i attempted again to return the vehicle they said they were going to settle the account and i was to receive my settlement offer. NEVER RECEIVED DOCUMENTS. called again in XX/XX/XXXX re did the same settlement process was approved again to settle and they once again never processed it. with each request i have confirmed via -phone and email records of my previous request it was confirmed but that they never processed. in the meantime they are still reporting this on my credit and inflating my future settlement amount by continuing to charge my account and reporting the vehicle still in my possession, if they would have processed my request initially i was only two months behind on my payment and the negative impact the settlement would have had would have been way less impactful. this is negligence pure and simple.
Product: Debt collection

Recently noticed a derogatory debt from a repossession of a car purchased on XX/XX/2018. I never purchased a car from BHFC financial at any time in my life nor have a had a repossession of car from them or at this period of time. I bought a brand new car under XXXX XXXX on XX/XX/2018 have never made a late payment or even gotten a new car since my auto loan with XXXX started. This company is scamming people because I have never dealt with financial company in my life.
Product: Payday loan, title loan, or personal loan

They have called me multiple times at work phone number after I told them multiple times to not call me at work. 
Today XX/XX/2023, approximately XXXXXXXX XXXX, I saw they were calling my work phone and I answered. I told them again not to call me at work and that I will call them back when I get off work and I hung up. XXXX immediately called me back on my work phone. I again told him Not to call me at work and I would call him back after work and I hung up. This company has disrupted my work productivity when they call me at work. This afternoon, XX/XX/2023 when they called I was sobbing at my desk over this phone call and embarrassed in front of my coworkers making them having to hear my personal business. 
One of my coworkers has witnessed the other harassing phone calls & me telling them not to call me at work. 
Thats harassment has made me not want to even deal with these people any longer
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 any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate reddress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiry in Question : XXXX XXXX  : XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry
Product: Debt collection

I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
Product: Debt collection

I settled the debt with the company and was advised that the debt would reported as paid in full and be reported to the company as paid and they did not report what was promised. I am showing a balance and have contacted the company on several occasions to get this taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

why and how is experian reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX received a notice form Barclay Bank of Delaware that my credit card was approved. I never applied for their credit card. I called their customer serivce and was told that there was no record of my account with them. In XXXX of 2022 I received a bill from Barclays ( the ONLY bill I ever received from them ) which was XXXX months overdue and they were charging a late fee. I contacted their fraud team twice. I disputed it with all XXXX credit bureaus, twice. I filed a police report for idently theft, which I sent to the credit bureaus and their fraud team. My credit report dropped significantly after being excellent for many years. They continued to send letters saying that they received the dispute but they had determined that it was my charge. One of the credit bureuas alerted me that a judgement had been filled against me by Barclay. I tried calling multiple court to get the details. I finally hired an attorney who sent them a letter in XXXX telilng them that it was idently theft. On XX/XX/XXXX I received another letter from them again stating that they had received the disputed but that they were correct and had placed a notice on my credit report. 
I am XXXX years and have always paid the bill which I actual owe on time. I have dealt with this for XXXX  months. I want this harassment to stop now!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get an account looked into on my report and they don't take the time to look into it the day after I put in a dispute I receive a notification that the information is correct. When in fact there is no possible way to send the information to the account to be looked at in the matter of XXXX hours. Name of company is XXXX. XXXX XXXX that I needed looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( experian ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX XXXX experian website and system is saying already in dispute.not me!!!!!
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, at approximately XXXXXXXX XXXX CST, a friend of mine posted a list of items for sale on her XXXX page. I messaged her with questions about two of the items, to which she replied. She added that the two items belonged to her sister-in-law and provided me with what was claimed to be her sister-in-law 's Zelle e-mail address and XXXX XXXX XXXX XXXX XXXX telephone number to each of which I sent payments I later learned that my friends XXXX account had been hacked and that the whole list of items for sale was a scam as was the e-mail address and the telephone number to which I sent my payments. 

Since they had hacked her XXXX account, the scammers had a lot of information about my friend and while we were messaging each other on XXXX, the scammers provided information that she had told me earlier in the week. Hence I thought the list of items for sale was legitimate. 

The Lesson Learned is that before anyone sends any funds through any online payment application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zelle, XXXX XXXX to verify the identity of the individual through a different channel ( i.e. phone call, text message, or e-mail ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. XXXX is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.