23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got treatment in XXXX XXXX XXXX XXXX XXXX for accident on XX/XX/XXXX. I paid all my bills in XX/XX/XXXX. After this incident I never went to this hospital for any treatment but hospital sent me bill for treatment happened on XX/XX/XXXX. I called them more then XXXX times spoke to employee name XXXX to clear I was not at their hospital after XXXX maybe someone else used my social number to get treatment. But they send this bill of XXXX to collection on my social. Now it's showing as derogatory mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act American Honda finance automotive, 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 a 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: Student loan

I'm currently in Income-Driven Repayment under the PAYE program with XXXX  and the XXXX XXXX XXXXXXXX. I've been working for a 501 ( c ) ( 3 ) since XXXX and have verified my employer as qualifying for Public Service Loan Forgiveness ( PSLF ). On XX/XX/XXXX I requested a manual recount of qualifying payments toward PSLF as the number they currently have is inaccurate. Multiple attempts have been made to get updates on the status of this request without any response other than, " you'll have to keep waiting ''. It's been over a year now and I've lost any confidence that XXXX will be able to rectify this situation. I'd appreciate any assistance.
Product: Money transfer, virtual currency, or money service

hello, my name is XXXX XXXX. 

i would like explain to paypal about my concern. 
i has paypal for along time and i always use my account in good way. 
i love paypal becouse is safe, i love paypal becouse is easy to resolve any financial problem. 

I feel really sad becouse now my account has been limited without any reason. 
i dont have any charged back, i never been involved on fraud activity. 
i respect the policy of paypal. 

I wish to get my account back. 
i will apreciate if somebody will able to help me to resolve this problem. 
my email is XXXX ID referent is XXXX
Product: Debt collection

I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I received a unsolicited check to my home mailbox in the amount of XXXX Dollars. The check came attached to a letter with Terms and Conditions. I contacted the XXXX XXXX listed on the letter to confirm that the check was real, as it is abnormal to receive a random check in the mail. The XXXX XXXX  Manager, XXXX, confirmed that the check was real and it was an invitation to apply for a loan with Covington Credit. XXXX stated I would not need to pay the full amount of XXXX listed on the letter sent with the check. I informed XXXX I would be paying off the entire balance by the end of the month and she told me that was fine and reiterated if I payed off the loan early, I would not need to pay the entire XXXX. Unfortunately due to an illness, I was unable to make the full payment by the end of XXXX. I called the store and informed XXXX I would need to pay late, to which she agreed. In XX/XX/2021, I made 2 payments, one of XXXX dollars and another of XXXX dollars. On XX/XX/2021, I called the Covington Credit store to ask about paying off the balance. I was told my balance was XXXX dollars. XXXX also encouraged me to continue making XXXX dollar payments so I could " establish time with them and take another loan. '' According to the literature sent to me by Covington Credit, if I followed the 9 month plan of XXXX dollars a month, I would need to pay XXXX dollars, so it is unclear how XXXX had come to this number. On XX/XX/XXXX, I called the store and asked to speak to XXXX, The girl that answered the phone, XXXX, was very evasive and refused to let me speak to her boss. I asked several times, and all she would answer was " regarding '' and then finally said she would not connect the call. I called again and spoke to XXXX, who stated she never told me I could pay less than the XXXX. I asked several times about how she arrived at the XXXX figure for payoff, and she refused to answer my question. She suggested I contact her corporate office and hung up on me. I left a message for her District Manager and have not received a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a message from TransUnion of a score decrease of XXXX points Due to my XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance being paid off in full decreasing the {$70.00} balance to {$0.00} this has negatively affected my ability to purchase a home.
Product: Credit card

First Progress has been charging EXCESSIVE late fees. I owed a balance after closing the card. The entire balance owed itself was from excessive late fees 3 in a row charged for a balance due less than the XXXX dollar fee. Since then an additional 4 late fees and counting have been charged all on an initial late payment of the first late fee.Nobody should owe over XXXX dollars in just fees on a SECURED card that was closed. The company has charged abusive and wildly excessive fees and i demand the debt be wiped clear unless the creditor can prove why thebfess aren't excessive or show recovery costs to justify charging hundreds in fees on a closed secured card in which the principal balance has been satisfied.
Product: Mortgage

I am reaching out the CFPB for help in dealing with my mortgage servicing company, PHH Mortgage. I had reached out to PHH Mortgage back in XXXX of XXXX requesting a forbearance on my loan due to having a Covid19 related hardship after my employment was shut down through XXXX at least. PHH Mortgage stated my loan did not qualify for a forbearance. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX advising my loan was referred to foreclosure. 
I contacted PHH Mortgage again explaining Covid-19 related hardship and I was told there are no options because my loan was referred to foreclosure. 
I submitted a modification request in XX/XX/XXXX as I was back to work and able to resume making payments however, the request was denied XX/XX/XXXX. 
I do not understand why the bank will not help me or why forbearance was not an option. Like so many people here in New York as well as throughout the county was not given an option to work from home during the pandemic shut down. I did not receive any pay for six months from XX/XX/XXXX through XX/XX/XXXX. 

Now, my only option here is to reinstate the arrears owed that I can not afford which I am sure now includes foreclosure costs or lose my home to foreclosure?
Product: Checking or savings account

XXXX has unlawfully denied me access to my funds and has also made me lose money as a result.
Product: Debt collection

I never applied for this credit card in my life. I do n't like Old Navy, never have, someone used my information to open this account. It 's fraudulent!
Product: Money transfer, virtual currency, or money service

Using XXXX with chase and money was sent to people and chase charged me I never use the XXXX feature so they negative balance my account all the way to {$340.00} dollars before closing my account due to non payment
Product: Vehicle loan or lease

Responded to an ad for car refinancing and the company Rate Genius made several hard inquiries effecting my credit score without my knowledge or written consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX I sold the car. My next loan payment was due on XX/XX/scrub>XXXX XXXX XXXX but in XXXX, a late payment appeared on my credit report. This is incorrect, as the car was sold, and I informed the bank about it. They assured me that my notification was recorded and that no late payment would appear on my report. I do not know why the transaction took so long. I request that the late payment be removed from my credit report. I can provide the car sales contract.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. 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 formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 
To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.
Product: Credit card or prepaid card

My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.
Product: Credit card

Citi did not apply my {$13000.00} credit card payment for XXXX full days. This resulted in me not being able to access my credit card for payments. When I called Citi, they told me that the delay with applying my funds was due to a regulatory requirement and that this may be a recurring problem. This is unfair and I should not have to wait multiple days for a credit card payment to be applied. This is resulting in difficulties with accessing my credit card to pay for day to day gas, groceries and recurring bills linked to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this complaint on behalf of myself XXXX XXXX XXXX. On XX/XX/2023 I sent a certified letter to Equifax stating how they were in violation of 15 USC 1681 ( i ) Section B ( 2 ) Procedures and requirements related to previously deleted material. On or about XX/XX/2023 a negative account was removed from my consumer report ( XXXX XXXX XXXX ) and on or about XX/XX/2023 that same negative account was reinserted onto my consumer file. According to Congress as written in thee above law Congress states ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified nor did I authorize this Consumer Reporting Agency to furnish anything on my consumer file which clearly puts them in violation of my rights. I am DEMANDING that this negative item be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX XXXX I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Bitcoin Depot account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. 

Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Debt collection

I received another letter from Nationwide Credit Collections , Inc. In regards to a debt owe to XXXX XXXX. I requested for them to let me verify this debt. However, as you can see on my previous complaint ID from XXXX submitted on XX/XX/2020 Consumer Financial Protection Bureau. I requested for them to send me all inquiries about this debt.

I need for them to provide me with what I am asking. I don't recall owing anything to them.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid, Closed Account To Whom It May Concern : I am writing to formally request the removal of a paid, closed account from my credit reports. The account details are as follows : ( SEE ATTACHMENTS ) This account has been fully paid and is no longer active. While it is accurate that the account has been resolved, its continued presence on my credit report is no longer relevant to my current financial situation. I respectfully request that it be removed to better reflect my financial standing. 

To facilitate your investigation, I have enclosed proof of payment and account closure for your reference. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that this matter be addressed promptly. 

Please confirm receipt of this request and provide me with written notification once the account has been removed. If additional information or documentation is required, feel free to contact me directly. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Toyota motor credit Opened XX/XX/2020. 

Toyota motor credit 13 missed payments or late payments on my credit report. 


Toyota Motor Credit XXXX XXXX XXXX XXXX XXXX, IA XXXX U.S.A. 
XXXX It says payment history I made 66 % of my payments on time. This is incorrect.