23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The letter sent to ELAN XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting XXXX, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through ELAN 's XXXX Disputes Dept, but no corrections have been made to my credit file. 


ELAN Financial ServicesXXXX DisputesXXXX XXXX XXXX XXXX XXXX MO XXXXRe XXXXDear ELAN Financial Services XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 


I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a ZERO balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first XX/XX/XXXX You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 


Please verify and update the following incorrect information in my credit file : past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 


Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Debt collection

I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for XXXX XXXX  XXXX acct
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$20000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I called chase support for multiple services and one of the service was to do a credit limit transfer from my freedom rise card to freedom unlimited. I asked the agent to do a transfer of {$2100.00} from my freedom rise to freedom unlimited and leaving {$700.00} credit limit on my freedom rise. After the agent finished I asked if there are product changes available for freedom rise and he said freedom unlimited and other cards which I said its ok I'll just keep it and I ended the call. The next day I opened the chase app and saw my freedom rise account was closed so I called chase which the first agent told me that I closed the account but I told him that I didn't and he transfer me to a manager. The manager said the previous agent misunderstood me and it was a mistake and she couldn't helped me reopen my account.
Product: Credit reporting or other personal consumer reports

My husband 's ( separated ) credit history is showing on my credit report. I have been an authorized user but not a co-signer on his credit cards. 
My credit score is being effected by his spending and payment history.
Product: Vehicle loan or lease

I contacted MEI Finance on XX/XX/19 at XXXX XXXX  asking to extend my arrangement until XX/XX/19. I spoke with a Supervisor XXXX, I believe, or I may be misspelling her name. However, she was very rude and started speaking to me in a tone as to if I was being dishonest. I am scheduled to have a medical procedure on Tuesday and had to pay out of pocket my portion since I have not met my medical deductible. She asked me to send her copies of my receipt from my Dr showing her what my out of pocket expenses was in order for her to extend my payment. I felt violated for there are hippa laws and my information from the Dr has very personal information disclosed about my medical history. She also asked me copies of my check stubs to show where I have been off of work due to illness, which I have no problem with that. I just don't like the fact that I am being treated as if I am being dishonest. I really do not appreciate this type of behavior in behind an auto loan.
Product: Mortgage

This is regarding a property for which I am a cosigner in Pennsylvania. The mortgage company ( Vanderbilt Mortgage ) is refusing to accept payment from me as of XX/XX/XXXX and has been assessing late fees to the account for the past year. Their online payment processing portal will take a payment, then reverse it several days later and assess a late fee. This has been happening periodically since they acquired the loan from the previous company in early XXXX. They are also refusing to send anything in writing stating that they are refusing payment and the reason. I have called numerous times for over a year to pay over the phone when their online system fails and my phone payments have gone through without a problem. Now, they are no longer accepting my payment over the phone or online. I spoke to a supervisor today ( XX/XX/XXXX ) to make the XXXX payment and he refused to take my payment, then refused to send me anything in writing describing why he's refusing payment on the account and he eventually hung up on me. 
I have not received anything in writing on how payments can be applied to this mortgage and they have blocked the online portal from taking payments. The most recent payment due date was XXXX XXXX and the the loan was current up to that date.
Product: Debt collection

XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Account number XXXXXXXX XXXXXXXX XXXX XXXX was paid off in full on XX/XX/XXXX. The credit bureaus in question knowingly placed late payment on this account on XX/XX/XXXX after receiving this information twice. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX UT XXXX XXXX Status charge off. 

This account XXXXXXXX XXXX XXXX XXXX XXXX originated in XXXX. It was reported to the bureaus as fraud in XXXX and XXXX with a police report. For some reason this account was updated and reported as late payments 29 times to the bureaus in XX/XX/XXXX thru XX/XX/XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last 36 months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681.

15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

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

On XX/XX/XXXX, I've filed an ACH scam claim with Bank of America as I was a victim of an online scam for the amount of {$10000.00}. I initiated an ACH transfer on the evening of XX/XX/XXXX. I soon realized that this was a scam when they asked for my photo ID along with the transfer. I called Bank of America Fraud Department and alerted them that I was being scammed. I was provided a claim # XXXX. I've also filed a police report with my local police case # XXXX. I filed an IC3 complaint with the FBI. I've shared all of the information with Bank of America fraud department via email. 

From XX/XX/XXXX through XX/XX/XXXX, I called Bank of America fraud department every business day asking for an update. I was told an analyst will be assigned to my claim and work on it. 

On XX/XX/XXXX, I received an email from BoA stating that the claim was declined and that they're unable to approve my claim. I called BoA Fraud Department again and found out that the original BoA agent made a mistake when filing my claim back on XX/XX/XXXX. It was filed under a regular dispute, not a scam claim. I was shocked and devastated that BoA made such a mistake and lost 2 weeks time. The new agent apologized for the mistake and offered to file an internal complaint on the fraud department agent ( complaint # XXXX ). The new agent also informed me that I had to start a new claim under scam and essentially start from the beginning. Because of this, I may have lost the chance in recovering my funds. 

On XX/XX/XXXX, BoA sent me a scam victim acknowledgment form to sign so that they can start pursuing the new claim and collection. Since then, I've called countless and was told BoA and the scammer 's bank are working on a recovery collection. 

On XX/XX/XXXX, BoA sent me an email stating the recovery was unsuccessful. They closed this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For the past 5 years, I have been receiving letters in the mail from Bank of America associated with my BofA credit card. These letters are sent almost weekly with an offer to transfer balance from other cards to the BofA card. 

I've called BofA multiple times to remove me from their mailing list. In addition, I've followed their online process to remove myself from their online marketing. Moreover, I've filled out the " do-not-mail '' and " do-not-call '' registries available through third party organizations. 

BofA has been unable to remove me from their lists for some reason. When I recently checked my mailbox, I had 7 of these letters. The volume and frequency has gone past the breaking point - I need help to stop these letters from coming to me.
Product: Credit reporting, credit repair services, 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are XXXX XXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXX XXXX/DEPT OF ED account number ending in XXXXXXXX XXXX/DEPT OF ED account number ending in XXXX XXXXXXXX XXXXXXXX  account number XXXX in XXXX XXXX XXXX XXXXXXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

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

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 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. 


PleAW Hvw these accounts deleted off of my credit report.
Product: Vehicle loan or lease

hello on date XX/XX/ I took out a vehicle with financing for the value of {$15000.00} giving at the same time a Down payment for the value of {$5000.00} keeping the balance {$10000.00}, this balance was financed through the company ( Exeter Finance ) at 72 months paying a monthly fee {$300.00} My problem is that I have already made 17 payments, that is, a year and 5 months yes we calculate 17 months for the value of XXXX with XXXX gives me the value of the sum XXXX {$300.00} = {$5100.00}, ( I have proof receipts ) and here is the problem that I still owe them the value of {$9900.00} of that 17 payments which made only this amount of principal have gone {$630.00} and the rest of the money for the interest on the car, even so, 17 months after taking it out and paying monthly, I owe the balance of {$9900.00} It is unfair to me that of so much money that I have paid, only a small thing has gone to the Principal. I hope that you help me because I am paying for something that I will never finish paying.