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

I am writing to request the immediate blocking and deletion of unauthorized accounts and inquiries that have appeared on my credit report due to a recent data breach in which I was a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed to protect my credit and personal information. The specific accounts and inquiries are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, Experian, XXXX, and XXXX is in violation of 15USC 1681. 

XXXX acct # XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt claimed by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with substantial validation of this debt. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and validation is requested.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. Documentation that provides proof of my agreement to pay the alleged debt ; 4. A verification or copy of any judgment ( if applicable ) ; 5. A proof of your authority to collect debts on behalf of the original creditor ; and 6. A detailed account history showing all charges, payments, and adjustments applied to the debt. 

Additionally, please ensure that all communication regarding this matter is made in writing. Furthermore, pursuant to the Fair Debt Collection Practices Act, I hereby request that you cease and desist all further communication and attempts to collect this alleged debt until such time as you provide the complete validation as requested. Failure to cease collection attempts before providing the requested validation may result in legal action being taken against you.

Please be aware that any negative reporting to credit bureaus before validating this debt will be considered a violation of the Fair Credit Reporting Act, and appropriate actions will be taken, including disputes with credit bureaus. 

I also request that during the validation process, all collection activities and reporting to credit bureaus be halted until the requested information is provided to me, as per the guidelines of the FDCPA. 

Please understand that failure to comply with these requests could result in complaints being filed with the Consumer Financial Protection Bureau and my states Attorney Generals office. I expect a response to this letter within 30 days from the date of receipt, detailing the actions taken by your company to address my dispute and fulfill my request for debt validation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts listed were opened fraudulently. I have attempted to resolve this issue without resolve. Please see attached correspondence.
Product: Credit reporting or other personal consumer reports

I found unauthorized hard inquiries on my consumer report that I did not consent to. Please delete these off my report. 

Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, Equifax and XXXX and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.
Product: Credit card

XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your reply still does not address the crux of multiple issues with Elan Financial Services, which is your total lack of Customer responsiveness!! 

Your website, XXXX, offers no way to ask for additional information concerning your multiple emails, text messages, and phone calls without leaving any message. I have logged on several times without finding any information about reducing interest rate and payments as mentioned in your multiple text messages. 

In addition to multiple text messages demanding payment without explanation beginning XX/XX/XXXX, your began sending text messages on XX/XX/XXXX about lowering interest rate, to which I responded on XX/XX/XXXX at XXXX AM following XXXX and you bounced the message. Due to your poor customer service and lack of online access to what you reference in your emails, I have not wasted my time again responding to your XX/XX/XXXX, XXXX, XXXX, XXXX or XXXX text messages, since they go nowhere and your refuse to respond. 

As previously requested, please provide details in writing about your alleged offer to reduce interest rate and monthly payment to which you ( Elan ) have refused to respond. 

Additionally, please provide a complete list of rating websites where I can document for potential future Elan customers your poor customer service and total lack of responsiveness to customers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX 's side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX  XXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

This is for a Capital One Auto Finance Loan, account number ending in XXXX. 

Overall, because I was having issues paying my bill online at Capital One 's website, I instead started a online payment with my bank. However, because of time issues, I decided later to just do a payment with XXXX XXXX XXXX and they received payment from XXXX XXXX XXXX. However, I forgot to cancel my online bill pay, and Capital One now received the same payment twice, from different sources, for the same amount. I did not intend to do this, it was mistake, and I remember doing the same thing about two years ago. At the time, I just called, and they refunded the additional payment for me. However, Capital One has developed this new and popular authoritarian style of interacting with customers, you know where companies basically treat customers like employees ( and employee should be treated like this either ). However, after calling and explaining, they are refusing to help me in any way.
Product: Credit card or prepaid card

Dear CFPB I received a credit card from US Bank that I never activated in 2021. Thus, the account was inactive. However, I recently received a bill for a charge on that account, which to remind you was never activated. I called US Bank and they said that they would investigate the fraud and credit me. That's fine. But the card was never activated. How can they process a charge for an account that does not have an active card and account? 
That is the reason for reporting this. It implies that they maintain a set of accounts that can receive charges from fraudulent actors instead of purging the account. So, the process of activating a card ensures that I don't use an inactive card, but doesn't ensure that a fraudulent actor is excluded. 
Something to look into. 
kind regards XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error that I would like to be corrected.

These items are inaccurate because I have already rectified the inaccuracies in these accounts from their records due to identified errors. I am requesting that the items be investigated and corrected to reflect accurate information. 

Items in Dispute : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for Macy credit card and it turned out it was rejected again because they couldnt verify my identity but they were able to call me on my phone number with the fraud alert on my credit report and unable to give me any alternative so I can get approved for this credit card and I ask that lady if I could fax a copy of my ID and my social security card she she that impossible and that I need to wait for a letter to come in my mail for 7-10 days which its crazy and Ive been trying my hardest to get this credit card and I explain to the rep that I had my phone for a year and it was registered with public records and the other creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2021 I consumer, XXXX wrote to Experian regarding XXXX hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via XXXX on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. Experian made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. Experian did not provide how they investigated this issue and who confirmed that it was correct, and according what law. Experian as a consumer reporting agency is not in compliance with FCRA 15 USC 1681b ( c ) to make sure that all information that is reported on my consumer report are kept private, correct and validated. Experian is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these XXXX inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place. As a consumer I am entitled to receive damages up to {$1000.00} for each of the XXXX items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. I am attaching the letter that was sent which has all the XXXX inquiries that I am questioning.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX on XX/XX/year> under the account number XXXX and a collections account opened at XXXX on XX/XX/year> with a balance of {$61.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 1. XXXX  - Date Opened XXXX - Amount Charged off : {$1000.00} XXXX. XXXX XXXX - Date Opened XXXX - Amount in XXXX : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have no knowledge of this account. I have never had an account with this company.
Product: Credit card

utive dayscombined with entries for regular payments to vendorsmakes it difficult to track my actual balance and creates suspicion about possible internal misuse of my account. 

For example, on multiple dates, I see charges and credits for {$45.00} listed as Item Transfer, Acct Bal Transfer ( TF ) alongside vendor payments of the same amount. I have not been provided with sufficient details by Wells Fargo to justify these entries. I am concerned this practice could be designed to obscure the actual flow of funds and potentially misappropriate customer money. 

I am seeking CFPBs assistance in investigating the following : 1. Verification of the legitimacy of these repeated transfers. 
2. Transparency in transaction descriptions so customers can clearly understand each entry on their account.

3. Assurance that Wells Fargos handling of account transfers complies with federal banking regulations, ensuring no misappropriation of customer funds occurs. 

Thank you for your attention to this matter. I am hoping for a swift investigation and resolution to ensure that my funds are secure and properly managed by Wells Fargo. 

Sincerely, XXXX
Product: Vehicle loan or lease

I got a car loan of XXXX purchase price with interst rate of 11.99 % upon making my first payment this month i found incorrect amount in interest rate. I am supposed to pay monthly payment of {$1200.00} total where 11.99 % ( {$140.00} ) goes to the interest and the rest of ( XXXX ) should goes to the principal so i should see on my account a balance of {$68000.00}. Instead of that i have seen that the {$1200.00} payment {$950.00} went to the interest and {$270.00} to my principal and it shows a balance of {$69000.00} which is incorrect and that was not the interest of XXXX that we agree. It is an amount that they put in there and morover on the statement it didnt even shows the amount of the interest rate. I have the prove. I call mercedez finance dept and they told me to contact your dealer so he has to rectify because they were only doing what they got on paper they also told me to file a complain against the dealer. I went to the dealer and sit with the finance rep and seems nervous when i told him the situation he was trying to justify himself by saying the more you pay the intdrest rate will go down. I ask him the question that the contract interest rate was 11.99 % not down no up. And i ask him to call mercedez finance while we are together they should have that call registred a lady picked up and she stated assissting us and when i ask her what is the loan amount that i am paying she stated corect {$69000.00} and then i asked interest rate on the acoount she said XXXX $ then i asked her to do the math and give us the amount in dollar for that as it is wrong on the account she is hold while calculating then she hang up on us. For that reason i am filing a complaint and i have their voice registred. I stated that if they didnt correct that they can take their car back and never hurt my credit score of me.
Product: Money transfer, virtual currency, or money service

I had XXXX XXXX  coins taken or sold unauthorized by me. I was told that Coinbase is not responsible and will not return them back into my account. 

The other transaction was a unauthorized withdrawal total {$4600.00}, for which I requested Coinbase to dispute the transaction with the bank that received the funds and Coinbase refused to dispute the transaction. I contacted the other bank and was told to have Coinbase to dispute the transaction and I told Coinbase to dispute the transaction according to the other bank request to me. Coinbase refused to dispute the transaction and failure to return my XXXX XXXX  coins. Coinbase told me they are not responsible.