23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As above, Ludicrous Late fees from : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX ). Fees run from {$40.00}, {$39.00} & {$29.00}. 

Totally ludicrous & gouging the American public to pad thier pockets. 

The fee of {$8.00} per late fee is reasonable, otherwise, Financial XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

NFCU told me they would remove my tradeline if i made my auto loan payment in full. I was late on 2 separate occasions at the end of XX/XX/XXXX and beginning of XX/XX/XXXX. In early XX/XX/XXXX,  I payed the entire loan off. The tradeline was never removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from TransUnion XXXX XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. 

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. 

Lastly, it violates FCRA 15 USC 1681 ( 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 of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Product: Payday loan, title loan, personal loan, or advance loan

i took a couple of loans out from them and products were added that werent discussed and caused more fees. the previous document from 2015 not available even on their website
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple duplicate hard inquiries on my credit report. From XXXX XXXX through XX/XX/XXXX of XXXX. I bought a new car and I was told they were preforming soft inquiries. I understand upon completion of the loan that there would be a hard inquiry. I believe there are about 12 hard inquiries probably more in that time frame. Also there are duplicate inquiries, I didn't ask for my credit to be run that much. Also I think it is only right that at least the duplicates should be removed. It is literally like Americredit is on it 4 times. There is also a duplicate inquiry for XXXX  XXXX. Can you please help me get these inquiries removed?
Product: Debt collection

I am writing to file a formal complaint against LVNV, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
LVNV, with contact information at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that LVNV has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against LVNV to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold LVNV accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Prepaid card

I have a prepaid card ending with Northlane now called Onbe that has money on it still ( {$65.00} ) but the card has expired as of XX/XX/year>. When I called their card support number on the back of the card ( XXXX ) on XX/XX/year> I talked to multiple customer support personnel to which they told me they could not reissue me a new card or cut me a check and that I needed to contact a " XXXX XXXX XXXX '' that handles such requests. They provided me with numerous numbers after I kept calling Northlane/Onbe back that they were giving me the wrong number to chase down this XXXX multi-use program. The numbers they gave me were ( XXXX ) XXXX & ( XXXX ) XXXX but in reality this number is a property management company called XXXX in New York who has nothing to do with the card or banking world. They also gave me another number ( XXXX ) XXXX and that number goes to a completely different business entity that has nothing to do with a XXXX XXXX XXXX or anything related to a bank or card company. I told Northlane/Onbe this and they said thats the numbers they have on file so Im pretty much out of luck. They are purposely giving me phone numbers to random businesses to lead me to a dead end while they are holding my money. I have also submitted online via their website ( Cardholder Form Submission # XXXX ) for them to give me my money that was never used on the card to which they also said they will not give me my money.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries tied to your company on my credit report that I did not approve.
Product: Credit reporting

This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.
Product: Credit reporting or other personal consumer reports

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, LVNV Funding, XXXX XXXX XXXX, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints for 2 years and nothing has been resolved the only thing the TransUnion and XXXX  and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about 12 inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XXXX until XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX claims I submitted an application with XXXX XXXX XXXX  in XXXX  when I did not. They have lied twice about this and the cfpb is allowing them to get away with this. you XXXX  and the cfpb continue on this course after I submitt my evidence, I will go the the attorney generals office. XXXX XXXX KNOWS I didn't submit a credit application. and it's time they tell the truth.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my report that I did not authorize and I have called but could not get any help
Product: Debt collection

XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.
Product: Debt collection

due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more
Product: Credit reporting or other personal consumer reports

I called and asked for my information to be corrected and to be sent a copy of my consumer reports. I was not granted that luxury. Violating the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information in mt credit report and to bring to your attention a violation of 15 U.S. Code & 16811i ( a ), which governs reinvestigations of disputed credit report entries. 
I previously submitted a dispute regarding XXXX XXXX XXXX XXXX; XXXX on XX/XX/scrub> 2025. According to 15 U.S. Code & 1681i ( a ), you were legally required to conduct a reasonable reinvestigation within 30 days ( or 45 days under certain circumstances ) and either verify, correct, or delete the dispute information. However, you have failed to comply with this legal requirement in the following ways : Failure to Reinvestigate you did not conduct a reasonable investigation into my dispute.

Failure to provide Result you did not notify me of the result of the reinvestigation within the required timeframe.

Failure to Delete Inaccurate information Despite my request and supporting evidence, the erroneous information remain on my credit file.

This failure to comply with federal law has caused harm to my credit worthiness and financial well-being. As such, I am demanding the following actions : 1.Immediate removal of inaccurate information.

2.A copy of my updated credit report showing the correction.

3.A written explanation of your failure to comply with 15 U.S. Code & 1681i ( a ).
Product: Credit reporting

XXXX reported a hard inquiry on XXXX/XXXX/15 on my Equifax Credit Report. I have no knowledge of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses. Please remove thank you! 

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

I was online at the XXXX tree website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for the Citibank New Customer Bonus. I opened the account on XX/XX/XXXX. My accounts were fully funded to meet the {$1000.00} bonus by XX/XX/XXXX ( within the 20 day window requirement ). 

The link that describes the promotion is here : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I have not withdrawn any money from any of my accounts ( have both the checking and savings ). There is a balance over $ XXXX in them currently, which is the threshold to receive the {$1000.00}. 
I have contacted them twice, given the Reference number of XXXX. The first representative said that my bonus was " attached '' but not " registered ''. I did register it and have a partial copy of my chat transcript on XX/XX/XXXX to make sure that there was nothing else I should do but keep the money in for at least 60 days and then within 30 days I will receive my bonus. They base this on the balance on the 21st day. So, in total, after 111 days, I should receive my bonus. 

The customer service agent in early XXXX told me that it was a glitch on their end because I signed up for it online. The second customer service agent on XX/XX/XXXX said that an investigative " team '' is still checking on it. Both XXXX XXXX told me that I would receive a letter in the mail explaining everything and I have not yet received that letter -- or my bonus that is due. 
This customer bonus is still active and is running through XX/XX/XXXX. I am afraid they will drag their feet and then tell me that the promotion has expired. There seems to be no one else I can contact to get this solved as I keep getting passed to a different customer service agent that can not speak XXXX very well. Please help. I have referred others to this promotion and now feel I have set them up for the same frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Experian. If they can not validate, please remove from my Experian credit report. 
The following accounts are what I am questing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a truck from XXXX and I always paid on time. After I returned the car they claimed that I passed the mileage and they require me to pay {$8300.00} for over mileage. I contact them and ask them to show me proof of debts such as statements or 3rd party inspection report for the mileage or photos of the mileage but they saying that they dont have that. The only thing they send me is email that I have pass due balance of {$8300.00}. They reported it to my credit bureaus and my credit went down and its limited me already for two years. I dont know how to resolve that issue because they cant send me proof of debt and they also not willing to close this matter.