23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Vehicle loan or lease

In XX/XX/2020, I XXXX XXXX purchased an XXXX XXXX XXXX from XXXX XXXX XXXX in the XXXX, Texas metro. They seem to have me approved with multiple lenders ( XXXX XXXX and Ally Financial ). I chose Ally Financial due to the terms of the loan. I put down a down payment of {$7000.00}. Everything was going good until Ally financial started reaching out to individuals not in my family network in XXXX. All of the payments have been made through their app. In XXXX they contacted my step mom ( never had her information ) then in XXXX my step uncle XXXX XXXX and asked for his SSN and Bank info. They then called my brother who is XXXX year old XXXX XXXX and now today they called my immediate boss. None of these people are listed on any contact of mine. I have asked them since XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX, XXXX XXXX  XXXX, and MOHELA/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

UHG purchased an old loan that was closed out 4 years ago and now they want the money owed and fees. This amount adds almost XXXX to the debit. 
I am XX/XX/XXXX and live on a fix income. They threatening to place a lien on my home which has a XX/XX/XXXX loan.
Product: Payday loan, title loan, or personal loan

A installment home loan in XX/XX/2000 at a interest rate of 10.94 %. There were to be 240 monthly payments of XXXX. I have finished making all except the last one due for the amount of XXXX. I said they took to much interest and did not apply enough to the principle.Last payment was due XX/XX/XXXX. They told me this is how the interest is calculated. Just because it was an installment loan, does not change how they charge interest. I would like someone to look at this installment loan and explain what is happening and why my final payment is XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I was the victim of theft.  Among other things that were taken from my car, were my wallet/ phone case that contained my American Express Serve card.  The aforementioned incident occurred around XXXX   XXXX.  On XX/XX/2019 after the aforementioned incident occurred American Express Serve was contacted about the theft of said cards.  (In fact numerous calls were made to American Express Serve, due to the fact that they automatic answering services would not allow me to be conected without knowing my card number (ie the one that was stolen.  A live rep was eventually reached and the card was reported stolen.  Subsequent charges occurred on XX/XX/2019 and thereafter on the card that was reported stolen on XX/XX/2019.  American Express is liable for any fraudulent charges that are incurred on the card after it is reported stolen.  This is according to Reg. E and their own membership agreement clause 14.  American Express Serve asked me to submit "disputes" for said charge for which they eventually denied twice
Product: Checking or savings account

USAA ended my Membership recently. Now I have a email saying I have a secure message. I can't access secure messages since I don't have a Membership. I've tried to call but PIN doesn't work. Without a PIN you can't reach live person, can't leave a message, no way to reach anyone. They won't reply through social media, emails are not replied to. I don't know what the message is about. It could be nothing, it could be important. I need to know how to read the message, how to Contact a live person. 
Thanks, XXXX usaa membership # XXXX
Product: Mortgage

You have plenty of complaints previous to one and can use that as reference. They continue to demand payment that isn't due and payable until after the principle has been paid, and you can look up the law that allows it. 

Also it looks like they are now wanting to foreclose so it's an even bigger issue now and they need to have all licenses revoked and charges of fraud started
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my credit reports with XXXX and Experian. I am a victim of XXXX XXXX, and as a result of my victimization, negative information was reported on my credit report. I have already contacted XXXX, and they promptly removed the negative information after I provided them with documentation to support my claim. However, despite my efforts, XXXX and Experian have refused to remove this negative information from my reports, and I am seeking your assistance in resolving this matter. 

The negative information on my credit reports is the result of fraudulent activity during the period I was trafficked. I have submitted documents to both XXXX and Experian, including self attestation letter with my case workers information followed by any personal information for myself that was needed and account info of negative items to show that I was a victim of XXXX XXXX. Despite this, they have not responded appropriately to my dispute or removed the fraudulent information. 

XXXX acted quickly and removed the negative items from my report after I provided these documents, but XXXX and Experian have failed to do so. I am requesting that these two credit bureaus review my case, remove the negative items from my credit report, and correct any inaccurate information that was reported as a result of my victimization. 

I have made every effort to resolve this issue directly with XXXX and Experian, but have not received a satisfactory resolution. I am asking the CFPB to help ensure that these credit bureaus take the necessary steps to correct my credit reports, in accordance with the Fair Credit Reporting Act, and to ensure my rights as a victim of trafficking are respected. 

Thank you for your assistance.
Product: Vehicle loan or lease

I have received a call for a vehicle that has been paid off twice now thru collection agency 's. They keep coming after 7 years. Now I am being threatened a lien on my bank accounts. I do not know what to do car was resold and settled after repo.
Product: Debt or credit management

I spoke with the manager at XXXX XXXX XXXX ( XXXX ) XXXX ), sometime in XX/XX/year> about why my bills arent being paid. I paid them thousands of dollars and they only paid hundreds on my bills..I had sent an extra XXXX dollars to try to get some paid off early.but they chose not to put them on my accounts. I quit the program and requested my overpayments to be sent back to me. They kept all of it.
Product: Money transfer, virtual currency, or money service

Nothing and these people are still using my identity getting auto loans transferring money from XXXX to the banks the have my XXXX report on freeze and I have received a verification code from XXXX and can't log in so this means a credit freeze doesn't work it's really your enemy because u can't see what people are doing with your name I have mortgage student loans and so many credit cards but I'm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a XXXX person is on my account Citi Bank in XXXX XXXX XXXX XXXX Texas and XXXX Florida just had two money transfer and there's a whole lot more jewelry and way more stuff and why is my XXXX blocked from me anywhere or any computer I use doesn't make sense so u telling me they can just keep using my identity I have police reports in I filed deputes with the 3 credit bureaus and they still using my identity my social security number has been completely misused my name is XXXX XXXX XXXX and and I'm a victim of a huge hacking crew my whole identity is over with XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX Citi Bank Texas XXXX XXXX XXXX Tennessee XXXX transaction XXXX Tennessee
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # 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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX 2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.
Product: Credit card or prepaid card

XXXX XXXX issued us the same tickets XXXX  XXXX. 
Chase Claim ID : XXXX We bought air tickets round trip on XX/XX/2021 Tickets Total amount= {$2600.00} Original Tickets attached. 

Charged again on XX/XX/2021 {$3000.00} During travel back, due to technical issues with XXXX check in, our XXXX  was not opening up. They denied check-in and boarding. Me travelling with spouse and with XXXX kids ( XXXX yrs infant and XXXX yrs old ). 
Since i had to report for urgent meetings and office work and kids vaccinations, schooling etc, we had to travel back. We requested a lot to officials and no body helped. We were forced to buy tickets as there was NO ALTERNATIVE but to pay. 

Discussed with CHASE and XXXX XXXX. 
No response from merchant when tried to discuss with customer service. 
Chase team asked to talk to merchant. 

Appreciate, if team can understand the hassle fighting for the concern from last 6 months, XXXX bad and dis-respectful behavior with my wife, XXXX pathetic customer support, CHASE not helping us and understanding the concern and charging interest fee. 
We feel stranded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Cre is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day  over 60 days later i have not received a response a respose yet I feel ignored of my disputes. The law stated in section 611 failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will be forced to file for litgiation due to the stressed u have caused me. My information was also impacted by the XXXX data breach and probably reached the wrong hands. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I planned to apply for the XXXX Gold card from American Express. I wanted to apply because of the advertised introductory offer. I am unsure of the details on that offer at this time because so much time has passed and the offer I was interested in has now expired. 

When filling out the pre-application information, I got a computer-generated message that said " Based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened or closed you are not eligible to receive this Welcome offer '' This was surprising to me because none of the reasons seemed to apply to me. I have never done a balance transfer, I have received one introductory offer and it was years ago with the XXXX American Express that started my business with American Express, I have never opened or closed an American Express account. 

When I tried to get the specific reason I was denied, no one could tell me the specific reason, only that it was one of the above mentioned reasons and that it was computer- generated and that no further information was available. I was told I could open a dispute to assist in resolving this issue and I did. I was also sent around to several departments including Customer Service, Marketing, Apply by Phone. 

On or around XX/XX/XXXX, I checked back in on the dispute and was told it could take 4-6 weeks but they had no further information. 

On XX/XX/XXXX, I began to check on my dispute and went to Americanexpress.com and initiated the chat feature. I believe my chat representative was XXXX. He/she informed me that my disputes had been resolved and I was still not eligible for the Welcome offer. I called and spoke to several people and got more frustration. It was suggested that I check for pre-approval and apply for the XXXX American Express Platinum card, which I did. The Apply-By-Phone representative told me that he got the message that I was not eligible for the Welcome offer. At this time, I asked to escalate the issue, I was transferred to a supervisor XXXX ( I believe this was his last name ). At this time, he told me what everyone else told me. He said that I was denied for one of the aforementioned ( but could not give any specifics XXXX reasons and that there is nothing else that can be done. 

My true frustration is that I think their IT decision-making algorithm is flawed and that I am being denied the Welcome offer due to erroneous information in some system and I want to know what information they are using to deny me the Welcome offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX XXXX XXXX XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXX Account Number : XXXX, XXXX XXXX  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 ; 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 adverse item of information, other than records of convictions of crimes which 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.
Product: Checking or savings account

Umb bank closed out my account gave me my money out of account then after account was closed ymb said I owe them money which I don't its up to XXXX dollars now
Product: Credit reporting or other personal consumer reports

Experian has allowed this collection to be added to my credit report twice in the past 6 months. The XXXX collection in my credit report doesnt belong to me. Experian already deleted this collection in XXXX, Experian couldnt prove the collection belongs to me. It is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my XXXX and TransUnion report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from ALLY FINANCIAL and ALLY FINANCIAL C/O GMA in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Debt collection

I CALLED XXXX XXXX AND NOTIFIED THEM I WOULD BE CANCELING MY POLICY AND MOVING TO XXXX FOR A BETTER PRICE. THEY CONTINUED TO SEND ME A BILL EVEN AFTER i NOTIFIED THEM IN WRITING AND BY PHONE THAT I WAS CANCELING MY POLICY. THEY BILLED ME FOR THE LAST MONTH ON MY POLICY ANYWAY. I WAS INSURED BY ANOTHER COMPANY AND DID NOT WANT THE INSURANCE ANY LONGER
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX, Im emailing you because I have an American Express serve prepaid card from my tax service, and I have been trying to call, even sent them the letter they asked for about then closing my account and not refunding my remaining balance that is on the card, I get emails every week about my current balance witch is {$3900.00} and it has been 2 months since they closed my card. I hope you can help me, thank you so much