23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The car we had was a lemon and the car was still sold for over {$4000.00}, the rest of the amount was a charge off. they are constantly calling. even on Sundays. three or more times a day.
Product: Credit card

On XX/XX/XXXX, I filed CFPB complaint # XXXX. In XX/XX/XXXX, my contract hours were reduced to XXXX before the contract ended on XX/XX/XXXX. Since then, I've made monthly payments of $ XXXX. In XX/XX/XXXX, I made the XXXX  of XXXX unsuccessful attempts to request financial assistance from Capital One. Each time, they offered a payment plan of $ XXXX for XXXX months, which exceeded my usual monthly payment. Despite suggesting closing my account and lowering my rate to manage my credit, they did not assist. Now, with no income, they still refuse financial assistance. My minimum payment is {$230.00} at XXXX % APR, with a monthly finance charge of {$170.00}. 

A Capital One representative called me on XX/XX/XXXX, offering no new solutions, and the CFPB closed my complaint. I stated in my feedback that the representative only reiterated the same terms and offered to waive late fees, which didn't help as I was paying on time. Given the CFPB 's ineffectiveness and allowance for companies to delay responses, what other actions can I take? Should I file with the FCC or AG Consumer Affairs division? What is the CFPB 's purpose? I filed a complaint with the Office of the Comptroller of the Currency
Product: Credit reporting, credit repair services, or other personal consumer reports

improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute request to Transunion over 30 days ago and instead of receiving investigation results, I received simply just a credit report with a report number ( Report # XXXX ) as a stall tactic from Transunion. 
According to the Fair Credit Reporting Act that is a direct violation of my rights as a consumer and I want the negative items on my report investigated and removed from my Transunion report immediately.
Product: Debt collection

I was originally contacted by a gentleman in XXXX claiming I owed a payday loan that was opened in XXXX. I explained to the person who went by the name " XXXX '' I have never had a payday loan and this had to be fraud. He stated he was going to take me to court and have me arrested I ended the conversation and researched the company he claimed to be from. What I discovered was other victims reporting that this man and his company were a scam company making up payday loan debts to get people to pay. On XXXX I received a alert from XXXX  that I had a collection from a company named DRS ( Debt Recovery Solutions ) with the phone number XXXX I called the number several times with no success, the number went straight to voicemail with the same gettleman I spoke to years ago, but this time he is going by a different name " XXXX XXXX '', not " XXXX ''. I disputed the account as fraud, and the account was removed immediately from my report. On XXXX I received a notification my report was flagged again for a collection with XXXX, from the same company DRS but with a different phone number. I called XXXX  and disputed this account as fraud, and I made a police report, and pressed charges. I also called the company, and gave them the police report number, and name of the officer, and I let them know I was pressing charges, and that the account they have is fraudulent. The account is not even in my name, the account is using my first name, with a different last name, and my social.
Product: Credit card or prepaid card

I opened a roamans credit card back in XX/XX/XXXX I have been paying my monthly payment before the due date but back in XX/XX/XXXX I was late twice making my payment due to decrease in pay. I did call roamans at the time to inform them that I coould not make the payments. I have been trying to clean up my credit report and they refuse to remove the two late payments on my credit report it is now XX/XX/XXXX and I have not been alte making my monthly payments I finally was able to make my final payment today to roamans and I found out that they decreased my credit limit, I used to have a XXXX dollar credit limit I had a XXXX dollar credit limit all through XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX so why did they decrease my credit I called the company and first they gave ne incorrect information they told me that the credit bureaus have control of increasing or decreasing the credit amount which I know is a lie so I called back again and a supervisor informed me that they sent me a letter explaining why my credit limit is decreased this is unacceptable because now y credit score will be affected I am trying to fix my credit report and now they ruined it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/year>
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX. Below are the details of the disputed accounts, including screenshots of the credit report entries for your review : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$2200.00} Status : Collection Account I believe the information reported is inaccurate. I was recently made aware of my involvement in the ongoing XXXX data breach and lawsuit. Given this, I suspect these accounts were improperly reported or associated with fraudulent activity tied to that breach. I did not authorize or open these accounts. 

I am requesting a thorough investigation into the accuracy of these accounts, as well as the removal of any false information. I have attached documentation of these accounts from my XXXX credit report for your review. Additionally, I would appreciate being notified of the steps you will take to address this matter and ensure the information on my credit report is accurate. 

Please provide confirmation of the receipt of this dispute and keep me informed throughout the investigation process. 

Thank you for your attention to this matter. If you require further information, do not hesitate to contact me at the phone number or email address provided above. 

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

On XX/XX/2020 I sent 2 dispute letters each to XXXX, Equifax, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX  is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has shown a credit score for me between 790 and 820 for many years. In 2022 they reported as usual until XXXX. Then their " alert '' on their website ( which I normally do not visit ) said " No FICO score found. '' In XXXX my score was back to normal at XXXX. In XXXX again " No FICO score found. '' I was unaware of this because they did not notify me by any other means ( apart from the " alerts '' that I can't see unless I log in to my account on the Experian site ) and I never have a reason to go to the Experian website. Today, XX/XX/2022, my bank happened to make a credit enquiry and Experian told them that my credit score was XXXX and that I did not have enough information for a credit history. My bank advised me to contact Experian becuase of potential fraud. My trying to contact Experian was a futile waste of time. I tried phone but could not get past the recorded messages. I tried chat agents but they are not available. I tried writing to them and the very form they make available on their site warns that it will be some time before I get a response. In the mean time, their incorrect information has the potential to damage my relationships with financial institutions and is hindering my ability to conduct business with my own bank of 35 years.
Product: Checking or savings account

On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.
Product: Student loan

Hello, I am in the public service loan forgiveness program since XX/XX/XXXX and submit my re certification paper work each year. I had 57 documented qualifying payments as of XX/XX/XXXX, however, sometime around XX/XX/XXXX my qualifying payment count has dropped to zero, I have called them several times to have this matter addressed and they are absolutely unable to correct the issue in a timely manner. We are more than 6 months from when I previously inquired about this. They state they are still in the process of reviewing payments and there is no time line and they can take as long as they want. I request your assistance as this is one of the worst experiences I have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, CO
XXXX XXXX XXXX XXXX XXXX, CO XXXX

XXXX XXXX XXXX XXXX, CO
XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX		
XXXX XXXX XXXX XXXX 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 card or prepaid card

Truist said they credit an {$85.00} XXXX XXXX credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit card.
Product: Credit card or prepaid card

As of XX/XX/XXXX, my credit limit with Walmart Master Card was  {$5300.00}. I have had Walmart Credit cards since at least XX/XX/XXXX. First it was MC with GE then Walmart changed to Discover, then Walmart changed to XXXX XXXX Master Card. On my statement ending on XX/XX/XXXX, suddenly without notice they have unfairly reduced my credit to {$670.00}. I moved this month and can not use my Walmart MC.  My credit increase again today was denied and tell me to check my credit bureaus. I have 100 % making payments on time history. I had one record in one of the credit bureau that was not mine and disputed it. But this happened in XX/XX/XXXX. My credit limit was reduced in XX/XX/XXXX ; when I moved! Obviously, Walmart is discriminating on me. Since ; I have a long history with them of 3 credit cards and making payments on time! 
I have at least 18 other credit lines all in excellent standing and at least 3 other XXXX XXXX accounts beginning from XXXX credit limits up to {$10000.00} credit limit! Therefore ; there is absolutely no reason for Walmart to having reduced my credit limit from {$5300.00} to {$670.00}! Please help me! I'm an inactive XXXX XXXX XXXX, have a valid XXXX XXXX license and have studied XXXX XXXX XXXX for years and I'm trying to start my XXXX business. In addition ; I moved to XXXX and Walmart is the only department store here. Everything else is 31 miles away in XXXX. I came here to rent affordably and to start a 100 % organic garden for myself and my son. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ). 
I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable terms which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly not supplied me with a free credit report. Every year I use XXXX and I get the same message : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. '' This requires the cost of postage to remedy and does not include any details about the condition.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a copy of a letter from Wells Fargo dated XX/XX/XXXX sent to my attorney and the CFPB. In their response, they included exhibit documents A, and B for the CEMA. CONVENIENTLY, they choose not to include the attached Exhibit D in their 71 page response. This document shows a notary stamp and the notary 's signature of the document. This document, Exhibit " D '', was never signed by myself or my wife.This proves that the notary was not present at the closing, and notarized all the document afterwards.This brings into question any of the other signatures on other forms, and that other documents were falsified after the " closing ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.
Product: Checking or savings account

Tried to login today to access my funds and pay some bills but no success. I called bank of america about the issue. They stated my account is closed and we will refund you {$260.00} dollars by the end of XX/XX/year> XXXX
Product: Credit card or prepaid card

I am writing today in hopes to gain your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Checking or savings account

Navy federal credit union processed a fraudulent loan for personal expense loan when we filed the dispute we explained it wasnt us. Someone spoofed the number and gained access to our account and device via a skimmer in a vending machine at my husbands XXXX XXXX at the time XXXX XXXX in XXXX Florida asked for them to send us the paperwork which we would have to sign for but they said it was done electronically so we dont have that information and you would need a supena. We refilled a second time when we say the money was deposited but then transferred out of our account. Again appeal denied because they said it was our device but we never used it to apply for any loans. Their fraud department customer service department was super rude and in helpful.
Product: Credit reporting or other personal consumer reports

In XXXX I contacted XXXX XXXX XXXX XXXX  after paying my account. They sent the settled in full letter. They said it could take up to 30 days to update. I then disputed account with letter. On XX/XX/XXXX XX/XX/XXXX and experian updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing
Product: Payday loan, title loan, or personal loan

They canceled my automatic payments without my authorization. which is now showing late payments on my credit report. I called and they waived all fees but didn't report my account as paid on time and delete the late payments from my report. TECHNICALLY THEY IS NO LATE PAYMENTS ON MY ACCOUNT IF THE FEES WERE WAIVED FROM THEIR MISTAKE.
Product: Credit reporting or other personal consumer reports

Im filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation.

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX {$1.00} XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$8600.00}