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

I took out a {$6000.00} title loan from TITLEMAX on my XXXX to pay for medical tests that my XXXX XXXX indigent coverage will not pay for XXXX XXXX XXXX, which found a XXXX XXXX  that saved my life. I also need that XXXX to go visit my XXXX mother in XXXX XXXX, XXXX miles away. I can provide all those records. 

That XXXX is worth $ XXXX. I hopefully will have the means to repay that loan soon by selling my dad 's old corn farm, but that kind of sale takes forever if you want a fair price. 

TITLEMAX has refused all my polite requests to work out a reasonable repayment at whatever interest rate they want, just no hidden fees or penalties, because I am a fair man. All they ever do is call me, literally screaming curse words at me. I can tape a call. 

I merely ask them to send me a letter in the mail, which they refuse to do. 

The best part is I read up on vehicle title loan law, easy to read, and they TOTALLY broke the law on my application, and I can easily prove that. So, Can CFPB help? Thank you. XXXX. XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021, JPMCB - Card Services reported a hard inquiry on each date to my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their stall tactic and failure to investigate my dispute. I have made several attempts to resolve this matter directly with Experian, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. 

On XX/XX/2023, I submitted a dispute to Experian regarding the incorrect reporting of my name. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a prompt investigation into consumer disputes and provide a timely resolution. However, despite providing all necessary documentation and following the proper procedures, Experian has not taken any meaningful action to address my concerns. 

Since filing the dispute, I have made multiple attempts to contact Experian 's customer service department, but I have experienced prolonged hold times, automated responses, and vague assurances that my case would be resolved soon. These stall tactics have caused unnecessary frustration and delayed the resolution of my dispute, which has had a negative impact on my financial well-being. 

I firmly believe that Experian 's conduct in handling my dispute goes against the spirit of the FCRA and the principles of fair and accurate credit reporting. I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian fulfills its legal obligations and conducts a thorough investigation into my dispute without further delay. 

I kindly request that the Consumer Financial Protection Bureau launch an investigation into this matter, urge Experian to promptly address my dispute, and take appropriate actions to ensure they comply with the FCRA. Additionally, I would appreciate any guidance or assistance you can provide to help me resolve this issue and ensure the accuracy of my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including my initial dispute letter, correspondence with Experian, and any other supporting evidence. 

Thank you for your attention to this matter. I eagerly await a swift resolution and appreciate any assistance you can provide in rectifying this situation. Please do not hesitate to contact me if any further information is required. 

Yours sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive been fighting back-and-forth with Suncoast credit union since about XX/XX/2023. Ive had massive amounts of fraud and fraudulent activity on my accounts to the point where they wont even let me have a debit card now because apparently its my fault that they allow fraudulent charges to occur they had to reimburse me {$2800.00} just in XXXX because of the dispute process, they left me stranded out of state with no money because of this fraudulent activity. Now I have installment loans with them. Ive never missed a payment theyre telling me theyre canceling my credit for my account because of poor credit performance with them that is a bold face lie Ive never missed a payment with them ever three loans I have with them every one of them is in good standing, it has been nothing but back-and-forth with them and I feel like Im being discriminated against at this point and Im done with it. I have tried and tried and tried with these people. They do nothing but screw me over. Also, all the sudden now when I log into my account I cant see when I made any payments on any of my credit accounts nowhere on there its just blank like I havent made any payments. Theres something wrong going on at the credit union there discriminating against me and Ive had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct 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 an 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 any purpose.
Product: Mortgage

Wells Fargo sent me a letter dated XX/XX/2019 saying they would investigate the XX/XX/2019 Complaint id : XXXX. They said they would follow up by XX/XX/2019. I have heard NOTHING. 

I see in the notes tracking the above complaint that Wells Fargo needs more time because they can't get a hold of me. I've tried numerous times to call XXXX XXXX at Wells Fargo and have never gotten through. I've left at least two voice messages and I opted out of their automated system to talk with someone else. I was told XXXX was the one I needed to talk with and that Wells Fargo couldn't give me an email for XXXX. 

I did try talking with my original loan representative, XXXX XXXX, and he said he thought they would dig into the details. 

XX/XX/2019 Status Now : I've left voice message for XXXX XXXX and sent an email inquiry to XXXX XXXX. 

I honestly don't think they care any more than they did when they rejected my refinance request due to not having enough time in my industry ( 15ys ) and because they can't verify compensation ( I own the company and sent my income to them ).
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX XXXX. I applied for an unemployment deferment and it shows 90 days late.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), the accounts listed below have egregiously violated my federally protected consumer rights to privacy, confidentiality, and accurate reporting under the following provisions of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my fundamental right to privacy, which these accounts have blatantly disregarded.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits any consumer reporting agency from furnishing an account without my explicit written instructions. These accounts were reported without such consent, constituting a direct violation.

15 U.S.C. 1681c ( a ) ( 5 ) : Explicitly states that no consumer reporting agency may include any adverse item of information ( other than records of criminal convictions ) in a consumer report if the item predates the report by more than seven years. These accounts failed to comply with this statute. 
The accounts in question are as follows : XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Line of Credit ending in XXXX Furthermore, these accounts have knowingly furnished inaccurate or unauthorized information to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known, or reasonably expected, to be inaccurate.

These violations are a direct infringement of my rights as a consumer under the FCRA and have caused undue harm to my credit profile and financial standing. This is a formal notice demanding that all erroneous, inaccurate, and unauthorized information associated with these accounts be permanently removed from my credit file immediately. Failure to comply will leave me no choice but to pursue legal action to enforce my rights under the FCRA. 

I expect written confirmation that these accounts have been removed and all violations have been rectified within 30 days of receipt of this notice, as required under 15 U.S.C. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Apple Card Goldman Sachs for my XXXX  storage XXXX use and the balance was less than XXXX . I was not alerted by my email or phone that the amount due was considered delinquent and turned over to credit reporting bureaus. This modest due amount has resulted in my stellar XXXX XXXX XXXX coming down to XXXX. I am searching for redress and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to update my scores.ive had credit for the past year now. my scores should be showing
Product: Debt collection

I got a call from someone who said theyre from Frontline Assets Solutions wanting to collect a debt. I told them that I believe this is a scam and that I do not owe any creditors. They told me that I could check the XXXX  and that they were an accredited organization. I looked the business up and contacted the number online from the XXXX and the real Frontline confirmed I did not owe a debt. The number that called me was out of MD and this business is established in MN. XXXX ( XXXX ) XXXX Is the scammers number.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are Charge Offs which need 's to be removed. Experian XXXX XXXX have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of four auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a car and noticed I had damaged on my credit report. According to the 15 USC 1681 law there should not be any damages on my report it is a deformation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to my complaint ( XXXX XXXX ) of them negligently penalizing my credit rating by XXXX points from an account that had already apologized for incorrectly reporting a paid in full account ( no missed payments ) as a charge off in XXXX ( XXXX XXXX XXXX XXXX XXXX, to which I was penalized over XXXX points ) by only restoring XXXX of the XXXX points taken. TransUnion and XXXX returned less than half of the 130+ points taken in XXXX by restoring XXXX points. If it was a negligent detraction from my score initially why are they not replacing all of the points taken? This is double jeopardy. Please have them to return all of my points stolen. I have no late payments in well over 10 years and the credit score I had previously did not represent my credit rating because as stated before over 130 points were taken in XXXX and I was only returned XXXX. My credit rating should have been over 800 by now. 

Thank you in advance,
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance {$24000.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$4300.00}, XXXX XXXX Date opened XX/XX/ Balance {$10000.00}, XXXX XXXX Date opened XX/XX/ Balance {$30000.00}, XXXX XXXX Date opened XX/XX/ Balance {$5700.00}, XXXX XXXX XXXX opened XX/XX/ Balance {$5000.00}, XXXX XXXX Date opened XX/XX/ Balance {$7300.00}, and XXXX XXXX XXXXXXXX XXXX opened XX/XX/ Balance {$72000.00}, Please remove ASAP.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification on my phone from XXXX that someone purchased a product. I go to my XXXX email and I see the purchase. I then get a message saying verify your account for the purchase. I verify then I get a message saying the bank does not coincide with XXXXXXXX XXXX. They told me to go With Revolut. I download the banking app. They ask me to tell them how much is in the account to verify. I notify via email then my money is transferred to XXXX. I try to confirm what happened but they told me to repeat the process. I called original bank to cancel the payment but they said wait till it processed. I later contacted Revolut and they told me the funds could not be sent back.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts on my credit report and I know they are too old to be on my report.

The first one is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The second is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this many times and they never send any documentation showing when/if I was son
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus XXXX and Trans union are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was discharged XXXX however it still reads as a open discharge on. XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint without addressing the issue and giving explanations that are meaningless. The fact that they stole 17 months of on time never late payments to XXXX and refuse to give them back