23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Onemain financial I borrowed XXXX and I missed payments tried to pay so I could get back on track the constantly called several times a day for months sent letters and I finally refused to pay it cause I was being harrased on a daily basis with 15 calls a day
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after XXXX  court on XX/XX/XXXXXXXX On my Experian and XXXX credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the Experian and XXXX ACTUALLY investigated the matter, which they did not.
Product: Checking or savings account

Hello, I received over XXXX XXXXXXXX in XXXX funds between XXXX. Someone close to me committed fraud and attached a XXXX XXXX to my online bank account and stole over XXXX XXXX  or more. I file a fraudulent claim with my banner bank and only received about XXXX XXXX back. 

Once I told the bank that I never owned a XXXX XXXX cell phone thats attached to my bank account, they never did anything about but it but closed my online banking. As of XX/XX/XXXX, I am still trying to get the IP address and transactions, transfers and wires that were made by someone who attached the XXXX XXXX to my account. I have not been helped and the manager said she has been denied by the fraud and online banking department for help. I told the manager several times that this is fraud and give them names of who it is, since XXXX, and something needs to be done about this. I have demanded that they give me the IP addresses and transactions from the XXXX XXXX devices that I never owned. 

After saying I will sue, now they might have a list of IP addresses created now. Even after I have been told from the Online banking department that they cant give me any information after 60-90 days. I need to persecute the persons that committed the fraud and I need the bank to help me with the IP addresses asap.
Product: Debt collection

They are saying that money is owed to which I have no knowledge of. I have not been provided any proof of signature or identification that this account belongs to me. It is on my credit report which needs to be deleted. The amount stated I owe is {$75.00}.
Product: Debt collection

On XX/XX/XXXX my wife ( XXXX XXXX ) and I purchased a couch for {$3000.00} from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. The payment terms were {$51.00} per month for 59 months and the remaining balance to be paid in month 60. For theXX/XX/XXXX bill due on XX/XX/XXXX the payment was processed onXX/XX/XXXX For theXX/XX/XXXX bill due XX/XX/XXXX, 2 payments of {$51.00} we made and processed by CapitalOne. An automatic payment was scheduled where CapitalOne was to receive payment by the XXXX of every month. 

My financial documentation shows all payments for fiscal year XXXX were paid by the XXXX of each month. Please find the attached proof of payment documentation provided by my financial institution XXXX. CapitalOne in a written letter to my wife and account holder, states the account ending in XXXX has been delinquent since XX/XX/XXXX I am not sure how CapitalOne defines delinquency, however, as stated earlier, the attached proof of payments disputes any delinquency. A final payment {$1400.00} was made on XX/XX/XXXXto pay off the original balance of {$3000.00}, 3 years 8 months after purchasing the coach and more than 1 year early from the original terms of the financing agreement. Since then Capital One has harassed my wife saying, we owe additional money due to late fees and interest fees. The attached documentation proves all payments were made on-time and no late fees or interest charges should have ever been assess to her account.
Product: Vehicle loan or lease

SETOYOTA FIN XXXX XXXX XXXX opened a loan under my name and I have no knowledge, approved or even live there. 
Contacted to XXXX and dispute but still remains in credit report. 
No idea how it was open or my information stole to open that account. 
Date opened XX/XX/year>
Product: Checking or savings account

Wife went to store to buy groceries for us and our children and her card didn't work. Went onto bank account and there were no cards on file. Called the bank and they have informed me they closed my account but will not provide information as to why and will not allow me to have access to the money I had in it before they closed it. I need to be able to pay my rent and feed my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that it was going to be a soft inquiry and now my credit have been affected. 

The guy was very misleading to me and husband. I told him I do not want credit to be checked if it will be a hard inquiry he said it will not be a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was included in the XXXX XXXX XXXX data breach. I recently discovered several accounts that are fraudulent and since have contacted the credit bureau several times. 
Experian report # XXXX The accounts are XXXX ) Consolidated XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX I filed a report with the XXXX  XXXX XXXX for identity theft and also included my drivers licence and social security card and my request was completely ignored. 
I would like to exercise my rights according to the XXXX 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX  and XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. 
Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates XXXX XXXX of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as XXXX XXXX. XXXX ( Mail XXXX ) and XXXX XXXX. 
XXXX ( XXXX XXXX ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a number of account i'm a victim of Identity theft.. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I am not connected to these accounts and did not provide written consent to report the account : XXXX - Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XXXX XXXX - Account # - [ XXXX ] Inquires- XXXX XXXX XX/XX/2023 Inquiries- XXXX XXXX XX/XX/2023 Inquiries-XXXX XX/XX/2023 Please investigate and provide proof with statements showing that these accounts are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these accounts to be removed as they not mine.
Product: Mortgage

On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. 
The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).
Product: Credit reporting or other personal consumer reports

They have contacted me on from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  numerous of times and I've requested a 1099c due to it stating charged off/written off. They keep stating that it is not in collection every time I request it. I am writing to formally dispute the reporting of canceled debt related to my account with your institution. I believe that this matter has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ) ( B ), which requires the maintenance of accurate and complete information in consumer reports.

It has come to my attention that [ describe the issue, e.g., a canceled debt has been reported inaccurately or without the issuance of a Form 1099-C as required by the IRS ] . To resolve this matter, I request that you provide the following : A copy of Form 1099-C related to the alleged canceled debt, in compliance with IRS requirements .

Documentation verifying the accuracy of the reporting of this debt, including the date of cancellation, amount, and applicable details.

Immediate correction or removal of inaccurate information from my credit file, if applicable.

Under 15 U.S.C. 1681 ( e ) ( B ), you are obligated to ensure that all information you report is accurate and up to date. Failure to do so may result in further action to protect my rights under federal law.

I request a written response to this dispute within 30 days, as provided by the FCRA. If this issue is not resolved to my satisfaction, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal advice. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Money transfer, virtual currency, or money service

my wife has XXXX and i send XXXX from my XXXX bank in texas,,, i'm a XXXX XXXX XXXX XXXX veteran,,, the company name is Remitly money transfers... money was send on the XXXX and was due XXXX at XXXX today, ,now they are saying it we get here on the XXXX... .they have already charged me the XXXX so i can't send money thur XXXX XXXX or other ways,,, the money is for medical needs for my wife.. my pensions come on the XXXX and XXXX of each nonth... .their service is teriable,,, ,i have call and they provide no anwsers... please help ... my email XXXX XXXX
Product: Credit reporting

Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove
Product: Money transfer, virtual currency, or money service

Hello CFBP, my PayPal account has been permanently XXXX. After the account balance has been kept for 180 days, I have received a withdrawal email notification from PayPal, but I still can not withdraw cash, please help me.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, Applied XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Product: Debt collection

I am repeatedly getting harassed by this company, Portfolio Recovery Inc. I told them to leave me alone and to stop calling me because I never had the account they're claiming I have and owe. I filed an identity theft report with all 3 credit bureaus and they removed it immediately. This company is still calling and mailing me. I don't know why they're continuing to harass me. It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have been trying to correct errors on my credit report with XXXX, Experian XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. XXXX, XXXX, and Experian have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.
Product: Debt collection

After vacating the rental property, the landlord sent me an itemized list of damages. I disputed the damages within 30 days by certified mail. I received no response from her but received a collection letter from Finance Systems , Inc. I disputed the debt using the website listed on the letter, but did not hear from them regarding the dispute. When they called me in attempt to collect the debt I reminded them that I have already disputed it. After not hearing about from them for several months, I called to check on my account. They responded that they have no record of me filing any disputes and to check my emails for a confirmation. I do not have any confirmation in my inbox or junk mail. Because an email is required on the electronic dispute form, I sent a test dispute and still have not received anything. 

The only verification of debts they have from my landlord is an itemized statement. When I told them this seems like a matter for small claims court so that she can present proof of damage and receipts of repairs paid, I was informed by XXXX with Finance System , Inc. that this is what the collections company handles.
Product: Debt collection

I received notices from Weltman Weinberg & Reis CO LPA attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a XXXX XXXX XXXX XXXX Account being reported with a balance of more than {$1000.00} I have contacted XXXX XXXX XXXX XXXX which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write Weltman Weinberg & Reis CO LPA about this matter however i got no results.
Product: Credit reporting or other personal consumer reports

i would like the CFPB to assist with removing these inaccurate items due to neglect and sham investing on Experians behalf. These negatives has impacted me and caused me not to be extended future credit. I have been disputing these accounts for years and Experian refuses to block these accounts. I have submitted proof that transnunion and XXXX have assisted in removing these harmful items from my credit report. XXXX has also removed these accounts in 4 business days!!!!!!!!! I am in the process of suing Experian and they can fined upto {$1000.00} per fcra violation!!!!!! I have attached proof of identity as well as the XXXX data breach proving my information was compromised!
Product: Credit card or prepaid card

I had hired XXXX 's to redeck and bulid a deck on my home. This was in XX/XX/2022. Now it is XX/XX/2022 I have been paying on this XXXX and have almost {$9000.00} invested. XXXX 's set XXXX people over last week and damaged my home. I have requested my money back from Synchrony Bank the place I have been making payments to since XXXX. XXXX 's sent damaged material to be used with this job and has refused to refund my money and pick up damaged material they sent to use on this job. I have nothing to show except old deck removed and my home being damaged I requested repair of my home and money refunded and damaged material to be returned to the store. XXXX 's has refused to repair damages to my home, refused to return damaged material they sent and refused to refund my money.