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

One Main Financial denied my credit application for a personal loan based on Teo precursors : ( 1 ) Number of Established Accounts : There are " 22 '' established accounts listed on thr credit reported dated as far 10 plus years old. These accounts meet th4 established account criteria, yet I am being racially discriminated against in lending.

( 2 ) Number of Inquiries : There are only 3 inquiries listed within the past 6 months of which should not be held against an individual being continously denied credit. It is recommended a creditor limit inquires between 6-8 applications per year. This criteria was not truthful or valid, and intentionally racially discriminated against by changing standards and criteria.
Product: Credit reporting or other personal consumer reports

I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact XXXX XXXX  for help / assistance. I depended upon XXXX XXXX  to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact XXXX XXXX  several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. XXXX XXXX  continues to state that these inaccuracies are accurate, but they are not!! My account was in a XXXX forbearance, and when the XXXX forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from XXXX XXXX  EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED XXXX XXXX  ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until XXXX XXXX  changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Product: Debt collection

I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
Product: Vehicle loan or lease

I thought I filed a claim for the Wells Fargo class action settlement about the GAP program but have never heard anything back yet. 
Early payoff GAP Refund, I have the claim number and the amount that was suppose to be issued to me, but I have not heard from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block l, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions are have caused significant inconvenience and financial los, and I seek appropriate redress for these violations
Product: Debt collection

This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.
Product: Debt collection

I have satisfied the Debt owed to MIDLAND CREDIT MANAGEMENT. Despite disputing this inaccurate information on XX/XX/2024 and XX/XX/2024 with the credit bureaus ( XXXX, XXXX, XXXX ) MIDLAND CREDIT MANAGEMENT continues to update and provide false verification that I still owe the Debt. They submitted false information about at recent payment of {$150.00} and {$120.00} being submitted on XX/XX/XXXX which is completely false and violates my rights. My last payment to MIDLAND CREDIT MANAGEMENT was on XX/XX/2024 for the amount of {$49.00}. I have provided numerous documents showing the Debt has been paid yet my credit score continues to be negatively affected each month due to MIDLAND CREDIT MANAGEMENT false reporting information to harm my credit. I want MIDLAND CREDIT MANAGEMENT deleted and removed from my credit report as it violates My Rights Under the Fair Credit Reporting Act : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I HAVE SATISFIED THE DEBT THAT IS OWED. MIDLAND CREDIT MANAGEMENT is violating The Fair Debt Collection Practices Act ( FDCPA ) which prohibits debt collectors from using unfair or deceptive practices to collect debts from me including : Misrepresenting the nature of the debt, including the amount owed. I want this creditor deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Re : Account # XXXX On XX/XX/XXXX, I authorized a bill payment of {$800.00} for the XXXX XXXX Credit Card to go to XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
Unfortunately, Capital One 's bill pay system says they mailed the check, but the check was cashed in XXXX, Mn on XX/XX/XXXX. I am disappointed because I have trusted Capital One bank since XXXX and used this service continually and this is the first time, I have had this problem. Capital One 's bill pay service does not work correctly, nor does its dispute service because I called and continued to call just to receive the canceled check weeks later. While my dispute was denied the same day and not one person noted that the check was cashed in a different city and state than the merchant addressed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXXc of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX CARD - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXANDInquiry XXXX XXXX XXXX AFInquiry XXXX XXXX XXXX XXXXInquiry XXXX CAPITALInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TD Auto Finance was put on notice and provided an Affidavit of Truth regarding the alleged debt. Today XX/XX/2023 makes two weeks that TD Auto Finance  has received the affidavit of truth as shown in the Exhibit A. An affidavit must be rebutted point for point and they have not provided in the time frame of 14 days.
Product: Student loan

I have set up auto-pay twice with XXXX XXXX, only to check my XXXX   account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. 

Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX   county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit pulls by XXXX XXXX XXXX ... twice. ... ..unauthorized credit pulls by XXXX XXXX ... twice..unauthorized credit pull by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) amendment in 2003 to the Fair Credit Reporting Act ( FCRA ) of 1970, in specific violation of the Red Flags Rule ( RFL ) of 2008 by Prosper Marketplace , Inc. in XXXX XXXX, California. 

I was alerted by several different credit monitoring accounts that a hard inquiry had been made on my XXXX credit report by Prosper/XXXX   on Sunday, XX/XX/2019. This wasn't a request for credit that I had made. 

I called Prosper Marketplace, Inc. at the number listed on my XXXX report on Monday, XX/XX/2019. 

I was given the run-around for several minutes while calling Prosper Marketplace, Inc. on XX/XX/2019. But the operator was eventually able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. This remark alone proves the RFL was violated. 

I then was compelled to undertake an arduous and time-consuming process of obtaining a police report and submitting said police report to Prosper Marketplace, Inc. for the entity to request removal of said inquiry from my credit report. I went through this arduous process simply because I desired that this false and illegal inquiry, violating the RFL was removed expeditiously. 

Prosper Marketplace, Inc. has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically under the Red Flag Rule ( RFL ) of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted disputes and also called the company to rectify this situation
Product: Checking or savings account

An account was opened under my name with my Social Security Number with Capital One. I requested that they canceled the account. They sent me a note that the account was cancelled. However, I am still receiving monthly statements which means that the account is still open and will collect fees.
Product: Credit reporting or other personal consumer reports

Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this account.
Product: Checking or savings account

I am filing this complaint regarding Capital Ones recent banking outage, which caused me significant financial hardship. I was supposed to receive a deposit on Wednesday night, but it was delayed due to the outage. As a result, several drafts I had scheduled did not go through, leaving me without money or food. 

Capital One has failed to provide adequate updates about the outage, including clear communication on when the issue will be resolved. Despite promises to fix the problem within certain timeframes, those deadlines have passed without resolution. Their lack of transparency and reliability has created unnecessary stress and disrupted my ability to manage basic needs.
Product: Credit card or prepaid card

Hello, Back in XXXX, I submitted a dispute regarding a Capital One Venture card ending in XXXX in which a settlement amount of {$320.00} ( current balance at the time ) was issued. I have yet to receive a settlement letter regarding this adjustment, but rather just a notification from my XXXX credit report that shows a settlement was reached and that the account was closed. ( attachment XXXX ) This account is showing as closed on my credit reports but the balance has not been adjusted, resulting in late payments showing up on my reports and affecting my score. I've attached two screenshots taken from different areas of my credit report showing the inconsistency in what is being reported. ( attachment XXXX & XXXX )
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Product: Credit card or prepaid card

I have been victim of identity theft. TD Bank has opened multiple accounts under my name and address with different account numbers. I did speak to their fraud department and they were supposed to close all associated with my name. I can not get back in touch with them. New accounts keep coming via the mail.
Product: Credit card or prepaid card

On XX/XX/2022 I reached out to PNC bank regarding an interest charge on my card that was posted on XXXX XXXX. I explained my situation to the representative as I had an emergency with my father XXXX hence my payment not being paid in full for XXXX and XXXX. The representative then told me that she would be able to process a waive for the XXXX fee of {$51.00} as a one-time courtesy. To this day I have not gotten any refund and had reached out to resolve the issue only to be told now that it's not possible all of a sudden and nothing can be done.
Product: Credit reporting or other personal consumer reports

In early XXXX, I discovered a derogatory mark on my credit report for an account with XXXX XXXX XXXX in the amount of {$800.00}. This account was tied to a utility bill for an address where I have never lived. Since then, I have made multiple attempts to resolve the issue, but it has been an incredibly frustrating and exhausting process. From XXXX to XXXX, I contacted both XXXX and Experian numerous times, requesting validation and proof of this account. Despite sending several letters and asking for the verification method used, they have continued to report the account as verified and accurate. Each time I requested a reinvestigation, but I never received any meaningful response or clear proof regarding how they verified the account. Over the years, I have reviewed various credit reports, and Ive noticed inconsistencies in the reporting dates and the date of last activity for this account. This issue has significantly impacted my ability to obtain a mortgage, and despite my best efforts, I feel like Ive hit a dead end. I genuinely dont know what else to do. I am seeking help because this has become overwhelming, and I feel hopeless. Ive attached some of the documents Ive sent over the years, and I have more records, including tracking numbers, that I can provide upon request. 

Please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX  XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.