23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I took out a car through honda fiancial services and i was always good on my payments. Recently unfortunatly i was laid off my job, about 4months ago. I was able to keep up with the payments till about 2 months ago and about every week or so honda fin. Would call me and ask about what was going on which i had told them a bunch of times that i was laid off. Any ways most recently i call them back due to a voicemail they left me and i spoke to one of there representatives, which at first was very polite. I called them because of course im concern of my finacial situation. I was trying to look for a solution or help see what i could do so i mention a couple things i heard they could possibly do, and immediatly she turn to this unfiltered, unprofessional, and agressive person. Saying that what ever i heard was wrong that i should know its my responsiblity to pay the payment. I still kept my cool and explained how i didnt ask to get laid off. She still was very rude and said you have to figure it out, again i would tell her more of my situation and again " you have to figure it out '' thats all she had to say. Obiously it upset me with so much pressure put.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$500.00}
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 number : XXXX, Account name : XXXX Bank has XXXX my rights. 
-Account number : XXXX, Account name : XXXX XXXX XXXX has XXXX my rights. 
-Account number : XXXX, Account XXXX : XXXX has XXXX my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Prepaid card

I was told that since they couldn't send me a security code to my email address, which they have sent all other communication to, I have to verify my identity. I sent in all documents asked for and that I was told they accepted at least 6-7 times, and they kept denying me. I sent in a selfie next to my ID to show it was me, a debit card with my name on it, the XXXX  envelope with my name and address that came with my new card in it and they still denied me. All of my identification was stolen. My birth certificate, my ID, my SS card... everything. I ordered a new ID and I specifically asked if they accepted my temporary ID picture and I was told yes by several people. Every time I call I'm on hold at least 4 hours to be talked rude to and hung up on every time. Now the fraud department won't even email me back after I brought to their attention that even their email said temporary ID on it. I can't get XXXX for my kids or my sons birthday. I'm devastated! How do I tell my kids that I have money but I just can't get to it? I can't even buy food and we have none!
Product: Credit card or prepaid card

I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 680XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX  Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. 

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Credit card

ok XXXX comenity bank. 
in XXXX or XXXX they announce that the credit card program would close. so I ordered quite a few things. well in XXXX I called XXXX and told them I wanted to return stuff cuz I could not use them so I sent XXXX items back XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX total XXXX well XXXX delivered it back to them and they have NEVER CREDITED my account. 
then I had let them know about being in Louisiana during hurricane at end of XXXX. but again as they have done with my other cards refused to work with me. comenity no longer has XXXX  but yet I'm still paying on account. 

I have paid the payment every month XXXX and I dont know what they are doing with my payments. they aren't applying them to my account. 
in all accounts my credit score has dropped immensely due to comenkty Bank aka breadfinamcial is really messing up my credit. they closed everyone 's account approx in XXXX. 
so the limit that I should owe is roughly XXXX not XXXX like they said. they have charged me for late fees etc. plus they have messed up my credit. I have never been late with them for over 7 years but just today I saw on credit report they have reported me 30 days late There is no way
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX XXXX XXXX Account # XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice XXXX XXXXs before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

To whom it may concern : I've requested a few times and spent over 8 hours on the phone waiting to get an answer from the underwriting team at American Express in regards to the platinum card. According to 15 USC 1602p this counts as " unauthorized use '' since I have not received any benefits but my credit was accessed. I am a natural person who is a creditor. 15 USC 1602 Definitions of Rule and Construction is where I'm getting the basis of this complaint from.

( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. 
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. 
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
Product: Debt collection

On XX/XX/XXXX I reached out to the company NCS  and the address associated with the debt was not to any address I have ever lived or to anyone I know. I requested copies of all XXXX and agreements. Which hasn't been provided to date to me or the bureas they just say they verify the debt which isn't enough. The information was removed from XXXX when this information could not be produced to me or to them. When contacting NCS then XXXX, XXXX on XX/XX/XXXX they said they validated the debt to me but had not and would not provide XXXX or me any agreements, XXXX or items that link me to the clearmont crossing address for the debt. I then filed police report and XXXX to have on file and complaint to CFPB. If this debt is valid to me show me the application, show me and the bureaus where I signed an agreement or lease is The {$4500.00} debt reporting by National Credit System is fraud Ive never lived at the address and there is no public record of me receiving mail at such an address or owning it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

According to information received by XXXXXXXX XXXX, credit checks that are related to auto loans that take place within 14 days of each other should be condensed to a single credit check. I have three credit checks for an auto loan on my report on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I also have three credit checks for another vehicle taking place on XX/XX/year>. I spoke with TransUnion, XXXX, and XXXX to have these ( 6 ) credit checks condensed to two credit checks, but they said they're unable to do so since they aren't recent.
Product: Checking or savings account

There was a check I received from XXXX XXXX XXXX, whom I assume was legit. I deposited into my Bank of America account. The check was never used nor was really deposited into the account. I soon fined out it was a scam and I tried to resolve the issue with them and they have not helped me I have been fighting this and have gotten no where. The check was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE!

Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX
Product: Mortgage

Our mortgage payment from XXXX to XX/XX/2023 went from {$1200.00} to {$1500.00} somehow in the changeover from XXXX XXXX to Freedom Mortgage. When contacted, I was told our taxes were never escrowed so not only did we have an increase in the escrow amount, but we were also in an escrow shortage. I've contacted the attorneys that did the closing, XXXX, Freedom, everybody I can think of. I've appealed to our Tax Assessor 's Office ( taxes hiked significantly and an unrealistic appraisal is currently on our property ), nobody seems to know why this happened or how to fix it. Even if we paid the lump sum for the shortage, our " FIXED '' rate mortgage would still go up? How can this be? Neither we nor our Insurance Company can figure out where they're getting these numbers and we are overcome with stress.
Product: Student loan

I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. GM financial  is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : American Express : Inquiry date [ XX/XX/XXXX ] XXXX : Inquiry date [ XX/XX/XXXX ] XXXXXXXX XXXX XXXX Inquiry date [ XX/XX/XXXX ] XXXX : Inquiry date [ XX/XX/XXXX ] XXXX XXXX : Inquiry date [ XX/XX/XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possibXXXX 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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Product: Checking or savings account

I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.
Product: Checking or savings account

I buy crypto and run a recruiting agency they always flag my account and lock it without warning. I verify the transactions and they still wont unlock. They never provide a timeline for these investigations. And hold your money hostage. I pay back loans to friends and family and transfer money via XXXX and sometimes get large commission checks for my work.
Product: Debt collection

On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX