23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm writing to you about dispute the following information that the XXXX XXXX XXXX, AZ. provided to the credit reporting companies. The information is incorrect. I do n't have a tax lien against me. Here is a copy from my credit report showing that I have a tax lien against me, and showing on my credit report. I 'm requesting that they remove from my credit report companies such as TransUnion, XXXX, and others now. I have information supporting my position. My credit score drop more that XXXX points for this error.
Product: Payday loan, title loan, personal loan, or advance loan

To speak with a supervisor to also have the loan application closed and I was hung up on and cursed out. 

The XXXX XXXX XXXX  names that are in these emails are the ladies that were speaking amongst each other 's about scamming people on the internet out of the {$5.00} for the monthly fee for the loan for their company and then I was told that they were the loan company and then I was told that I needed a cosigner. 
When I could not find a cosigner another employee that I got on the phone after multiple callbacks told me I did not need a cosigner that my credit was good enough for the application until another employee came over and took the phone from her and acted as if she was her. 

After acting as if she was the young lady she just took the phone from the woman then proceeded to tell me that they were going to get my loan started from another company. 
And that they were not the ones giving me the loan anymore so now they had my personal information my address and all of my credentials only to hang up in my face and I could hear them arguing over the phone and who was going to scam me first. 
I overheard another young lady saying that you're trying to be nice to the customer and our job is to scam them. 

This company has multiple different addresses all across the United States the only one that has a name on it for a physical person is the one in XXXX. 

Multiple different phone numbers and addresses all the way registered to the XXXX XXXX. 

Every state has a different address all with the same name transform credit Inc . 
As I overheard the employees talking about scamming and not being nice to customers while they were arguing, I was hung up on multiple times they did not know I was listening to the phone and they did not hang up the phone. 

While I did not record it I have screenshot it as much as I can and sent you a copy of my own promissory note that was written up for them to send to me and the emails with the name of the employees if you XXXX the addresses none of these addresses are in compliance and they are vacant.
Product: Vehicle loan or lease

Was told I had a 90 day period to pay on my Auto loan. Car was repossessed on 77 day, I get my paycheck in 5 more days. I thought I was safe. Also I had XXXX twice which I told them, which made payment late. The people that has my car now are very rude, and teased me over the phone. Unprofessional!!!
Product: Vehicle loan or lease

I called Hyundai Motor Finance on XX/XX/XXXX and requested they XXXX  the lien release. They told me they mail out on Tuesday and Thursday and they would mail it out the next day. When I called XX/XX/XXXX for a follow-up, they informed me that it was not sent via XXXX  at all. They said that the lien release I requested on XX/XX/XXXX was sent XX/XX/XXXX and should take about 7-10 days. I requested a XXXX  for the lien release and they promised me 3-5 business days and they also promised me I would have the XXXX  by XX/XX/XXXX. When I asked them how much, they said they didnt have a price. I called them again on XX/XX/XXXX and asked for an update and the manager said I should get it by the end of the week. I do not have either copies they allegedly sent. Today is XX/XX/XXXX and I still do not have the lien release from my request on XX/XX/XXXX and XX/XX/XXXX. The tracking number currently shows that only the label was created XX/XX/XXXX and it was not shipped yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and my bank account numbers are being held captive by PayPal. I am not allowed to delete it from my profile. I am preparing to file a lawsuit and go to local news channels to report PayPal demented business practices.
Product: Debt collection

I have disputed this debt account I sent transUnsion a letter well over a month ago and TransUnion exceeded the thirty days allowed and by law you must remove this negative account. Afrer being verified it has been determine to not have the same name. 

I would appreciate if you could remove the account
Product: Debt collection

The man who contacted me would not let me dispute the bill. He would not tell me how to dispute it. He was very rude and every time I would talk he would tell me to stop. I asked for information about the bill and he would not give it to me. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNT REPORTING. 

AND PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

Calling my work 7 times a day. Wont state where hes calling from and when asked hangs up. Asks for me by name as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that EQUIFAX Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2015 I have received XXXX calls from Kay Jewelers. Upon speaking with them, I was informed of a balance that does n't match my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I requested to have statement closing date or billing cycle ie. date statement is generated changed to the 1st day or beginning of the month and i got many repeated explanations mainly change day bill is due and i told them i do not care when it is due i wont to chance day when charges are computed and bill is generated and mostly i was told due date can be changed to be due dated approximately a 7 day time period repeatedly my request to change statement ending date to end of month or new statement period to begin the 1st was ignored.

Currently it is set to the 4th of the month. 

Why wont Citibank change the statement closing date to the XXXX of month? 

I called and spoke with manager XXXX on XX/XX/2020 XXXX PST and she would not help. 

XXXX told me it could not be changed in any manor. XXXX XXXX affirmed refusal to change statement closing date ie date charges are computed. System will not allow to change date bill is due which will change statement due date to date earlier than what is already set. only dates available for due date is 1 to 22.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and fraudulent information on my credit report. I believe Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. 

Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), Experian may be held civilly liable for failing to meet its FCRA obligations. 

As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a 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 dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed or amended the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Experian Business Credit did not have my consent to obtain my personal information on Three separate occasions and they surely did not have my written consent. 15 USC 1681n ( a ) states that Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of {$1000.00}. 
by them pulling my reports Three different times with out my consent, it has greatly damaged my credit score and my chance to obtain any new credit from lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Equifax multiple times informing you of this, and you too have failed to verify these inquiries Since neither Equifax or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : PLEASE SEE ATTACHED DOCUMENTS. ALL DISPUTED INQUIRES ARE CHECK MARKED IN RED FOR EQUIFAX.
Product: Credit card or prepaid card

I noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.
Product: Mortgage

I purchased my home in XXXX for XXXX for {$240000.00}. It appraised for {$240000.00}. 
On XXXX I made a principal payment of {$1200.00} that dropped my principal to {$180000.00}, which is less than 78 % LTV and according to my original loan officer and the homeowners protection act of 1998 my PMI should automatically drop. I messaged Freedom Mortgage on XXXX and XX/XX/XXXX explaining that I was less than 78 % LTV and asking them to confirm my PMI would drop. I had multiple conversations on the phone with people, they would say my LTV was fine and another department would have to fix it, then I would get a message that my LTV is above 80 % and I need a BPO. Or they would say my LTV is fine, but XXXX XXXX is still requiring a BPO. My original mortgage officer was on this call and was emphatic that that is not the law and it should drop at 78 %. They could never tell me what their math was. So I waited for my XXXX statement to post thinking maybe the department that calculates it is behind on payment information. On XXXX I made a monthly payment, which was factored into my next statement. My current principal balance is {$180000.00}. I messaged Freedom on XXXX with my math and again asking them to confirm my PMI would drop and I wouldnt be charged it anymore. They responded today that my LTV is above 80 % and I need a BPO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

Please this is about chase auto whenever I called them they told me they didnt report anything on my credit. the report on my XXXX and XXXX is accurate. But Trans union dont want to update my report. the account is already being paid off..
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed late payment errors inconsistent with my typical payment record. Please amend these discrepancies and update my account.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF XXXX XXXX XXXX XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have settled this account, and have documentation showing account has been paid in full. Its putting a big mark on my credit score.
Product: Credit card

My question is this : no credit card company closed my account because I didn't pay the full balance but kept paying the minimum. I have argued the letter sent on XX/XX/year> regarding closing my XXXX XXXX XXXX XXXX. They repeatedly asked me to apply for a new card. After I followed their suggestion, they denied my application. Their action is to harm XXXX customers, and also harm XXXX 's business. I called them but over the phone, a representative shouted at me ; she didn't let me finish my words. They have no respect for their customer. Whenever I talked to them, they tried to avoid talking about their letter on XX/XX/year>, and tried to talk about something else, like fees or interests, which is not what I am arguing. They are shrewd and dishonest. In short, I couldn't see their professional ethics when dealing with customers. There is no honesty and fairness on their side. So, I need CFPB to find the third party and let the third party reach a determination. 

As said before, I won't pay the balance as long as this matter is under dispute. But I will assume to pay the balance after this matter is solved.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate