23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In a clearance interview a company was reported that I was not aware of. My credit report revealed a company SANTANDER Consumer U was owed XXXX plus from XXXX. I had never heard of this company, nor entered any agreement with them. I did have a car repossessed in XXXX I believe with an outstanding balance, but I never knew what it was because the car was sold at auction. I do know that it could not have been more than XXXX or XXXX XXXX if that much. They are reporting XXXX as outstanding with the last payment in XXXX. This is not correct. I am soon to face a XXXX because of this report to my credit. I did not know who this company was therefor I also appeared untruthful. I have made several financial mistakes in my life an am not the brightest in this area. But this can not be right. Only XXXX is reporting this debt. If I cant resolve this my military service could be in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I didn't realize what loan company I decided too get a loan from actually was, I've paid more to my loan then I have ever thought I would. 

My loan started of XX/XX/XXXX due from my spouse losing her job and I needed some fast cash too stabilize us I didn't realize till now how much I have actually paid to the load and even though I asked for 2 other cash advances I didn't expect too or wasn't informed properly about how much it would impact me.

they charge a 10 % fee from the addition amount that you request, then set up bi-weekly payment 's then charge a 5 % fee on top of what you pay then use the remainder to pay the loan.

I have all pay statements including bank account withdrawals to back me up in this matter due from trying to build my credit. Its now XX/XX/XXXX and my payment amount is still XXXX dollar 's and has not changed no matter how much I've been paying.

I've tried calling but they won't due anything they just try and inform me about how they operate and how they get there money, there is no help other then letting it go into collection 's or getting a small loan through a bank to settle the amount in one swoop.

I am now hurting a lot now and am still living pay check to paycheck because I wasn't informed on the impact this loan would bring.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over XXXX days ago and it still reports as open on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit and agencies and tried to get them to remove unvalidated collection accounts and delete unknown names and addreses from my credit report, they have refused over and over and not even attemp to address my concerns.
Product: Credit reporting or other personal consumer reports

I did not authorize this company to run my credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact  Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.
Product: Debt collection

i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.
Product: Credit card or prepaid card

I have a number of accounts with Comenity and I have never once had an issue so this circumstance is certainly outside of what I have traditionally known to be standard. 

I have an account back by Comenity Bank for Express Retail Store. I used the card solely to ensure usage for a single item purchase. The balance at such time was {$36.00} during the same billing cycle I paid the amount listed above with a live agent on a recorded line utilizing certified funds with a debit card payment for which a confirmation was provided. 

Months after the fact I took notice that my credit limit was slashed and 1,2,3 late fees in the amount of {$90.00} were assessed to the account. They advised payment never received I provided proof of payment via mail, secure docu portal through online account manager and they reviewed recorded call to confirm it was in fact made. 

They then proceeded to state they were having significant issues with their system in the month of XX/XX/2022 and this would be immediately rectified the three late fees credited back and amount shown XXXX out immediately then credit would be restored. 

They credited the three late fees and said please allow 1 cycle to see statement updated and credit limit restored. A month later this is still showing due they added three more late feee back and then increased interest and never increased limit again. 

I advised I was filing formal grievance and their response was my account would be subject to closure or reduced limit across all Comenity banks if I filed a complaint is this the mafia?? 

Their willful negligence, billing malpractices, conduct unbecoming of what a corporation should represent and the countless manhours and undue stress associated herein with respect to something for which I should not be penalized before has become so exhausting at this point I should be compensated for my time and damages let alone account IMMEDIATELY fixed Over 11 supervisors have confirmed this was being zeroed out now they call me non stop when I call to make a payment on an account that has nothing to do with this one they go through the run down of how I owe them money which I do not in fact owe how would I like to take care of it? Then when I advise yet again of the circumstance over and over and over and over again they get an attitude and put me on a significantly long hold, hang up on me or give me the runaround. I do not owe this account my limit needs to be immediately restored to date you have fraudulently assessed {$180.00} on a {$36.00} transaction was is wrong with you? 

Thats excessive by every stretch of the imagination. I paid and I paid with live agent this has been confirmed over 20 times now it has also already been stated many times over this was being XXXX out and credit limit fixed so why am I still exhausting efforts months later? Lets move to arbitration or legal immediately Unless fixed immediately and do not ever threaten me again
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX I paid a medical collection item directly to collection agency Bonded Business Services. The payment was for {$220.00}. The item was a result of an insurance company dispute that was resolved. I paid the item with the understanding that Bonded Business Services would remove the item from all three credit reporting agencies as it required to under FCRA XX/XX/XXXX. Bonded Business has refused to do so despite three letter demands.

Bonded Business should remove any and all information re this paid medical debt,
Product: Credit card

Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in fraudulent and was opened by biological father before he disappeared. Disputes were never ran on account because they would have shown age issue as the account was opened when I was a XXXX XXXX XXXX. Company has refused to run accurate dispute even when provided information about dispute. Company has failed to investigate issue for what has been XXXX years now. Company has ignored disputes for past XXXX months. Attached is XXXX showing yea XXXX XXXX XXXXXXXX. Account was opened while XXXX XXXX XXXX XXXX Impossible for account to be accurate for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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

XXXX XXXX and XXXX XXXX XXXX XXXX all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX  XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE CODE - XXXX My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX CARD : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX  : XXXX XXXX  XXXX XXXX  XXXX  : XXXX [ FRAUDULENT XXXX ACROSS ALL XXXX CREDIT XXXX ] XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting

Was told by XXXX nothing they would do as it was to old. Never went to any XXXX in XXXX XXXX Fl. When I went to one in XXXX XXXX I gave them both my XXXX card as well as my additional XXXX medical insurance. They accepted both and this covered all expenses. According to my insurance company if they accept insurance they must accept payment that is customary and not bill for difference
Product: Consumer Loan

They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that Equifax is reporting on my consumer file. I informed EQUIFAX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX XXXX  responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX Equifax is still reporting this inquiry on my file. I have attached the letter from XXXX XXXX for your viewing.Equifax has stated on XXXX the following response. I am a bit confused if XXXX INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE
Product: Money transfer, virtual currency, or money service

Account closed with money in it in the year of 2024
Product: Credit reporting or other personal consumer reports

I am asking for your help with an erroneous account on my credit report. This has been damaging my reputation, and I need your assistance.
Product: Checking or savings account

On XX/XX/XXXX they stolen {$360.00} they never refund it to me any time I dispute a transaction with customer they always mess with Lock my debit card take money whenever they want today I dispute a transaction on XX/XX/XXXX for {$2.00} another transaction for {$23.00} still pending with out my knowledge they Lock my debit card I'm about to pay for my groceries l real can't they stole to much from me I'm leaving pay check to check please do something enough it's enough. Sincerely. XXXX XXXX XXXX
Product: Debt or credit management

Invoice reference number XXXX with Credit Control , LLC in the amount of {$3400.00}. 

I am more interested in Data Breach. I have XXXX on my report Data Breach.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX, EXPERIAN AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX REINSERTION OF PREVIUOSLY DELETED ACCOUNT : XXXX XXXX - XXXX EXPERIAN : The following personal information are incorrect : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX XXXX : The following personal information are incorrect : Incorrect Name - XXXX XXXXXXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX2022 I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE XXXX ARE FURNISHING WITHOUT PERMISABLE PURPOSE.