23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume XXXX  days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.. The information I am disputing is as follows : XXXX XXXX XXXXE XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX XXXX car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, XXXX XXXX XXXX is wrong and acting in a fraudulent manner as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and XXXX XXXX accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX va, XXXX LVNV Funding LLC XXXX XXXX Pl, XXXX, SC XXXX Last XXXX of SSN : XXXX Dear LVNV : I am responding to your contact about a debt you are trying to collect. This appeared on my credit report and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with Equifax are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report. 
l Updated means, we have updated XXXX or more fields on the item based on the information you provided us with or that we received from the reporting company. 
l Verified as Reported means, the reporting company has certified it is reporting the item accurately. 
For an added convenience, use XXXX of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at equifax.com/personal/disputes or Call us toll-free at XXXX ( XXXX XXXX ). 
Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with Equifax are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX.eviewed the Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, w
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name :  XXXX ( XXXX  ) Incorrect Name : XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( Equifax , XXXX, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and Equifax ) Bankruptcy Chapter XXXX  ( XXXX  and XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY TRANSUNION REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, XXXX, and TransUnion to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding my account with your institution, specifically account number FORD MOTOR CREDIT COMP XXXX, which has experienced late payments due to unforeseen circumstances. I want to express my sincere commitment to fulfilling my financial obligations and maintaining a positive relationship with your institution. I understand the importance of meeting financial responsibilities and maintaining a good credit history. In light of the circumstances surrounding the late payments on my account, I kindly request your consideration for a goodwill adjustment. I appreciate your time and attention to this matter. Your understanding and assistance during this difficult time would mean a great deal to me.
Product: Money transfer, virtual currency, or money service

On the XXXX XX/XX/2024 I made a transaction of {$500.00} to a family member using Remitly. The transaction did not go through and the beneficiary did not receive the money. I have contacted Remitly on several occasions but have still not received my refund. I have submitted the bank statement from the beneficiary to them. I really need my money back.
Product: Mortgage

As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person. 
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}. 
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you. 
Can you please help me?
Product: Credit card or prepaid card

There is a charge appearing on my credit card for {$60.00}. I filed a dispute via the Wells Fargo website on XX/XX/20 as I believe this was paid with another form of payment. Nothing was done with the dispute after a week or two, so I called Wells Fargo and spoke with a dispute specialist who told me they required documentation and would issue me a provisional credit in the meantime. I informed the agent that I uploaded the requested document right while we were on the phone and she said she would review it. In the meantime, I would have the credit. Now, it is XX/XX/20 and I just received a letter from Wells Fargo stating that they need me to RESUBMIT THE SAME INFORMATION I ALREADY UPLOADED. Further, the provisional credit I was promised during my call was never applied, so now my card has a balance when it should be reporting to my credit as a {$0.00} balance. Wells Fargo has failed to handle my claim properly and lied when the said they would issue a provisional credit.
Product: Debt collection

This debt does not belong to me. This is a result of identity theft. Please I would like this inaccuracy removed from my credit report
Product: Credit card or prepaid card

I have sent the following letter along with the full text of the email offer I received from aa.com to CFPB by USPS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2022 XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sirs : On XX/XX/2022 I received the attached email from XXXX offering me the opportunity to apply for a new XXXX XXXX XXXX with a XXXX miles bonus offer after spending {$3000.00} on the card. Despite the fact that this email included an exclusive invitation number it also included language excluding persons who had received the bonus within the last 48 months. Confused by this contradictory language, prior to applying for the card I called Citi Bank to confirm that the offer was valid with the invitation number despite my having received bonus miles in the last 48 months. I was assured by the Citi Bank agent that any offer with their invitation number was valid. 
After recently complying with the terms of the bonus offer for card number ending in XXXX, I called Citi Bank last week at the number on the back of my card ( XXXX ) and asked for confirmation that I had met the requirements. I was told that there was no bonus offer associated with my card, despite having applied by clicking through the offer email. The offer spending compliance was confirmed. Today I called that number again and spoke to an agent who flat out told me that the 48 month exclusion language takes precedence, despite being previously told that the invitation number takes precedence. I was also told that I would not get the offered XXXX bonus miles. I asked why I was sent the offer if I was not eligible and was told that they CAN NOT TRACK their customers eligibility before sending out offers. 
To fix this failure to comply with their offer as confirmed over the phone with their agent BEFORE APPLYING, I am asking for the XXXX offered miles to be added to my XXXX  account XXXX 
Thank you for your attention to this matter ;
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. Thank you for your time, have a nice day!
Product: Credit reporting or other personal consumer reports

I already made you all aware with no action taken, but I recently checked my credit report and saw accounts reporting that I do not recognize.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a car warranty from XXXX XXXX in the amount of {$560.00}. Upon reviewing the warranty, it was inadequate and I requested a cancellation and refund on XX/XX/2021. The merchant refused and quoted a policy I was never made aware of. They advised I only had 10 days to cancel the policy ; therefore, I filed a dispute with my bank. I initiated a dispute and received confirmation from J. P. Morgan Chase on XX/XX/2021. J.P. Chase Morgan has refused to file a dispute on my behalf with Visa. They stated the merchant provided documentation that did not provide the cancellation terms and they asked the merchant for a refund. Again, the merchant refused. Chase has rebilled my account and did not notify me of the rebill. I was paying my bill and noticed it on my statement. I was not given the opportunity to download, mail, or fax my documentation to support my position. When I initiated the dispute online, there is no link to download documentation. I only received one letter from Chase that mentions to save my documentation but, it does not inform me what to do once I keep my documentation for the dispute process. I contacted Chase on XX/XX/2021, and was told by a dispute representative, XXXX and supervisor, XXXX, they will not file with Visa because the merchant refused??? Based on XXXX guidelines, the merchant must inform the customer of the cancellation policy at the point of sale which this merchant did not do. Chase is refusing to file my dispute with Visa. I contacted Visa and they advised there is nothing they can do and Chase must file the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like stupid gibberish.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent, please investigate and remove from my report.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( RFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing with reference to my XXXX loan from XXXX with XXXX XXXX serviced by XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by Transunion. I have tried to resolve this with Transunion, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, XXXX took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, XXXX changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while Transunion and XXXX responded in form only. When I call to follow up on my written complaints, Transunion insists that they can not do anything and it is all in the hands of XXXX. XXXX tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly XXXX no one has done this over the course of several months ). My most recent written dispute in this matter with Transunion was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that XXXX continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that XXXX purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.
Product: Debt collection

XXXX a XXXX XXXX from Summit Receivables contacted me at work, When I called back to tell them I'm not allowed to receive phone calls at work, he become rude and hung up on me, when I tried to call back and talk to him his associate told me I should get on my knees and pray right after she told me she should perfom XXXX  XXXX on me and other rude comments. I have informed them not to call me at work only on cell phone and to send me a letter stating the debt which they refused.
Product: Credit card

I am writing to formally complain about Capital One, who engaged in predatory lending practices that have adversely impacted my credit standing. 

Recently, Capital One pulled my credit report and initiated multiple email communications requesting verification of my income as part of a process to increase my credit limit. Despite complying promptly and providing all requested information, my application for a credit limit increase was immediately declined. This action has resulted in a significant drop in my credit score.

I believe that this sequence of events is indicative of predatory behavior, aimed at generating unnecessary hard inquiries on my credit report, which in turn damages my credit score
Product: Debt collection

Started getting emails. 

Contacted " original ' " creditor. '' They stated they never sent this in for a collection. 

This company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been hacked with my computer. Someone had been using my info to attach another account to my XXXX  account XXXX and robbed me for my XXXX XXXX which contains my social security number, my business information, contact, bank account information, and personal information. XXXX allowed the activity to go during the month of XXXX. They are making more of my Gmails to illegally purchases