23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

A settlement was reached between U. S. Department of Justice and the Consumer Protection Bureau and Ally Bank for allegations of discrimination in auto financing. After notified of the lawsuit a few months later I received a letter from ally bank noting that I was to receive a credit on my loan and will be reflected on the following billing statements. The letter was dated XX/XX/XXXX. I have since called and found out that my payments were adjusted and instead of a decrease they increased from XXXX to XXXX. 
I have called and In fact the monthly payments did increase with no changes in length of total amount financed. Customer service states credit has been applied. I have the correspondence letters. Please send contact information of whom I should contact next. 
Thanks so much for your assistance. 
XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report tonight, and I cant figure out why. I check my credit regularly, but this time there were unexpected errors that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it was just a glitch, but nothing changed. The incorrect accounts remained, and now Im really worried. Im requesting that the documents Ive submitted are carefully reviewed, so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four 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 its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

XX/XX/2019 I C system become a injury on my credit report. XXXX XXXX I attempted to pay and colllect Information on what company Imay have owe money to. I C systems could find my address or corrected  name my social security number was provided and another name pop up on there end I would like to report this as fraud and I would like this removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

a fruad account is still posting on my credt file and i need it removed i have already sent in Police report.
Product: Money transfer, virtual currency, or money service

I am filing a report against Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically, Cash App fail 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 deceptive, as they did not comply with their era, resolutions and requirements under the electronic fund transfer act ( EFTA ) and regulations E. These transactions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is a account with Citi Bank that they closed on me. I was not at my limit and they closed the account. Any derogatory reporting to credit bureaus should be deleted immediately. I didnt close the account. Any unpaid debt or late payments being reported should go back to the creditor due to closing my account. This action needs to be updated and reported to all bureaus immediately for deletion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

capital one i had XXXX credit cards with capital one they automaticly signed me up for auto pay but to a savings account that had been closed with out me knowing. when the ach were kicked back after a year they waited until i paid XXXX card off and closed them marked my file as i am fraud and now add so much fees monthly i cant pay it off. and there reporting to the credit agentces that i am 120 days late when i have never been late and i always make a payment on thus closed account. they wont report it as closed and they wont give me a settlement amount or a payment plan. they also move the due dte to differnt days of the month without tell you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent three letters to the three credit bureaus experience, XXXX and Trans Union about my credit reporting fraud accounts.
Product: Credit reporting or other personal consumer reports

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.
Product: Credit reporting or other personal consumer reports

This an a collection account with XXXX XXXX collection account for a Capitol One credit card from 2019. The credit card limit was only {$500.00}. I don't know how the account balance was charged to over {$2000.00}. The last time I remember using the card was for a car rental with XXXX and I could never get a viable response.
Product: Credit reporting or other personal consumer reports

I been reviewing my credit file and notice XXXX XXXX  is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.
Product: Credit card or prepaid card

I looked at my credit reports in XXXX  Credit cards on my XXXX credit reports, namely Equifax, XXXX, and XXXX XXXX XXXX XXXXXXXX there are XXXX XXXX  XXXX accounts.Also there is The XXXX account as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
XXXX XXXX XXXX  Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts : XXXX XXXX Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the two accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.00} XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXXXXXX within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with XXXXXXXX statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, SSN, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

XXXX XXXX XXXX XXXX : ) XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX XXXX Date : ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRY HUNTINGTON N XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* DISPUTE FORM ATTACHED/SIGNED AFFIDAVIT OF FRAUDULENT REPORTING CERTIFICATE OF FCRA FINE FAIR CREDIT REPORTING ACT VIOLATION DIRECT DEPOSIT FORM ATTACHED
Product: Credit reporting or other personal consumer reports

your account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax today, XX/XX/2019. Several months ago I asked for a freeze on my account because it appeared that someone had fraudulently accessed my account. I needed to have the freeze lifted so that I could apply for a new credit card. 

I called Equifax and got a woman in XXXX who was hard to understand. She asked me a number of questions which I answered easily but then she wanted to know what credit cards I have and the minimum payment due. I told her my credit cards but said I always paid off the balance each month. She kept telling me to answer the minimum payment question which is a XXXX  question. The full balance is paid directly from my checking account each month. Moreover, the amount would fluctuate monthly. She continued to tell me to answer her unanswerable question. Finally, I asked for a supervisor but he also insisted I answer this question.
Product: Debt collection

I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.
Product: Student loan

I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.
Product: Checking or savings account

U.S.Bank account number XXXX on XX/XX/XXXX there were three charges 1 for XXXX  XXXX XXXX for XXXX a charge for XXXX XXXX credit card for XXXX and protective life for XXXX which bring my account to a negative XXXX and some cents. I transferred XXXX from XXXX XXXX to make the account positive and not negative on XX/XX/XXXX and the system still charged me 3 overdraft fees for those items I contacted the bank and they said there was nothing they could do for me. I would like my overdraft fees returned to my account. My name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Identity Theft Dear Transunion, I am writing to formally dispute two XXXX  XXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : 1. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) 2. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX  XXXX and the credit agencies Transunion, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXXXXXX  Second Account : Charged-off on XX/XX/XXXXXXXX  Reported in good standing on XX/XX/XXXXXXXX  I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim. 

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ