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

Complaint Details : 1. Description of the Issue : On XX/XX/year>XXXX XXXX XXXX submitted a letter to me, XXXX XXXX, stating that my auto loan was paid off. During this period, the XXXX XXXX  for the vehicle was released by XXXX XXXX and sent to me via mail, further confirming that the loan was settled. 

However, on XX/XX/year>, I discovered that XXXX XXXX had reported my account as past due and delinquent on my credit report. I immediately contacted XXXX XXXX to resolve this discrepancy. During our discussions, XXXX XXXX admitted that they had mistakenly sent the letter on XX/XX/year>, incorrectly stating that the loan was paid off, and also released the vehicle title to me in error. Despite this admission, XXXX XXXX failed to inform me of any remaining balance prior to damaging my credit report. 

2. Steps Taken to Resolve the Issue : I attempted to negotiate with XXXX XXXX and sought a resolution, making it clear that : XXXX XXXX had reported the account as paid off in their letter. 
XXXX XXXX released the title to the auto, reinforcing the statement that the loan was settled. 
XXXX XXXX never contacted me by any means to address their mistake or to notify me of any outstanding balance before tarnishing my credit report. 
I was more than willing to pay any remaining balance if one existed, as I was under the impression, based on XXXX XXXX 's communication, that the loan was fully paid off. On XX/XX/year>, I paid the remaining balance immediately upon being informed. Despite this, XXXX XXXX has refused to remove the negative reports from my credit report that were due to their admitted errors. 

3. How This Issue Has Affected Me : The inaccurate reporting by XXXX XXXX has negatively impacted my credit score, causing undue stress and financial hardship. This mistake has affected my ability to obtain credit on reasonable terms, which is unfair given that the negative report resulted solely from XXXX XXXX 's admitted errors. 
4. What I Am Requesting : I request that XXXX XXXX correct their records and immediately update all relevant credit reporting agencies to remove the negative entries associated with this account, given that these entries were made due to their mistake. I also ask for written confirmation that these corrections have been made. 

Supporting Documents : A copy of the letter from XXXX XXXX dated XX/XX/year>, confirming the loan was paid off. 
Records of communication with XXXX XXXX regarding the discrepancies and my prompt payment of the balance. 

5. Desired Resolution : I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX corrects their error by updating my credit report to accurately reflect the resolution of this account as of XX/XX/year>, and remove all negative entries that were incorrectly reported. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX AUTO* Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX  CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital one spark XXXX I called in and closed this account in XX/XX/2019. I made a XXXX dollar payment and advise the customer service rep that I wanted the account closed after discussing my previous experience with capital one I have decided to not deal with the company because of their tactics and they did not protect my information privacy act. They are calling my phone from XXXX XXXX  till XXXX XXXX  on an account I have closed that is still showing open and charging me Intrest rates monthly. I want this account closed as I have asked them to do. This another tactic they are using to make my bill higher. I want the account closed as of XX/XX/2019 card last 4 numbers XXXX.
Product: Money transfer, virtual currency, or money service

I am trying to get Paypal to mail me my money in the form of a check ( which they usually charge an extortionate {$1.00} per check btw ) but they can't/wo n't. They demand I link a bank account to them, or sign up for their XXXX Paypal Cash.

Frankly, with my prior experience I don't trust them not to take a huge chunk out of my bank account with minimal notice again. But they won't release the money otherwise. Please help me get my money back! 

Other people with the same problem : https : XXXX
Product: Credit card

On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to delete a fraudulent inquiry that has been on my credit report exceeding a year. The company XXXX XXXX XXXX XXXX XXXX has contacted Transunion on 3 or  4 occasions in regards to to the removal of the fraudulent hard inquiry XX/XX/2019 and again, no removal of the inquiry. I have forwarded the letter on several occasions that XXXX provided me requesting for Transunion to remove and they still have yet to delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information on my credit report. Despite my best efforts, this issue remains unresolved. I am requesting an immediate investigation and removal as the information is inaccurate and doesn't reflect my true credit history. After moving from rental property on XX/XX/XXXX. The rental property sent it with full amount instead of with our payment included. I tried to have rental property correct the collections but they said thar there was nothing they could do but they emailed me the revised statement. When I submitted it to the XXXX XXXX XXXX company in XXXX of XXXX and asked them to get an updated statement, they sent the the original statement that was sent in XX/XX/XXXX instead of inquiring with the rental property for the updated statement. I have tried to dispute with Experian on XX/XX/XXXX and XXXX in XX/XX/XXXX and they both are saying the information is correct. Even with the updated statement provided. Experian replied in XXXX hours after my complaint. I submitted it at XXXX est. How can an investigation be done overnight?
Product: Debt collection

I submitted a dispute through XXXX and nothing was done about it. All that it took was XXXXXXXX XXXX days and they came back with investigation complete and nothing more. I submitted proof of my claims, and a letter asking for their written prove that I was obligated by signed contract to pay them and I did not receive any of it. I provided prove of my incarceration as the timing to the contract would have been impossible, as I have been incarcerated since the end of XX/XX/XXXX until now. I am currently at a re-entry center at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and should be released by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Chex Systems consumer report. I have NEVER opened or used the following accounts with unpaid balances & these inquiries below were not done by me as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was denied credit which is an adverse actions to my reputations pursuant to XXXX XXXX XXXX. I authorized credit XXXX bank to extend me credit with a application I filed on XX/XX/XXXX XXXX Credit one says it receive consumer reports but has not proved or given me the evidence of who they spoke with that furnished my consumer report or that company that furnished this said report had my consent pursuant XXXX ( XXXX ). Furnishing information with out consent is identity fraud pursuant XXXX XXXX XXXX. Also violated consumer by making me provide my social security number for an application pursuant to XXXX ( XXXX ) credit XXXX is is violation of consumer law and civilly liable pursuant to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Under FDCPA Dear LVNV FUNDING LLC I am writing in response to your attempt to collect a debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I am requesting that you provide full validation of this debt. Until proper validation is provided, I request that you cease all collection activities on this account and stop reporting this debt to any credit reporting agencies. 

Please provide the following information as required by law : Proof of the debt : Full itemization of the amount owed, including how the amount was calculated.

Verification of ownership : Proof that I am legally obligated to pay this debt, including the original agreement or contract.

Legal right to collect : Documentation showing that your agency has the authority to collect this debt on behalf of the original creditor. 
Chain of title : Any documentation showing that the debt was transferred or sold to you. 
If you are unable to validate this debt, you are required to remove all information regarding this account from my credit report and cease all collection activities. 

Until you can provide the above, this debt should not be reported to the credit bureaus, and any negative reporting should be removed in compliance with the FDCPA. If you can not validate this debt, please remove it from my credit report immediately. 

Please note that failure to provide the requested validation within 30 days will result in me taking further legal action, including filing complaints with my states Attorney General, and seeking legal counsel under the FDCPA. Additionally, be aware that Section 813 of the FDCPA ( 15 U.S.C. 1692k ) provides that debt collectors who fail to comply with these requirements may be liable for damages, including actual damages, statutory damages, attorneys fees, and costs.

I expect a prompt and thorough response to this request. Please send me all information and documentation concerning this account in writing. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with experian and XXXX today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

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 the errors I have sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN TRANSUNION COMPANY RESPONSE LETTER TO CFPB, TRANSUNION SAY THE PUBLIC RECORD WAS VERIFIED.TODAY I WENT TO THE UNITED STATES BANKRUPTCY COURT, THEY TELL ME THEY DONT VERIFY ANY PUBLIC RECORDS. SO CAN TRANSUNION EXPLAIN TO ME HOW THEY ARE VERIFING THIS PUBLIC RECORD, I DONT THINK PACER IS THE ORIGIAL SOURCE.

610 ( a ) ( 1 ) ( 2 ) and 610 ( B ) FCRA [ 15 USC1681a ]
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 

Thank you for your prompt attention to this matter. 

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
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 : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : 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 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: Debt collection

Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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

Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Buearu ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided informations to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 Equifax inaction violates Federal Law and my rights as a consumer.
Product: Mortgage

In past ( XX/XX/2019 ) I received a letter from XXXX my current mortgage lander, regarding for refinance my mortgage if I am interesting. I called them to discuss just to find it out what its the process time and closing cost that I am looking. I spoke XXXX XXXX at NewRez, At the begin, I specifically told her that right now I am not interesting and I dont want you run my credit at this time. However, anyway they ran my credit without my permission. By the way this phone conversion was recoded from their end. I also talk to her manager XXXX XXXX a week later to investigate since the phone conversion was recorded. After couple days XXXX XXXX called me and admits that they made a mistake to run my credit report to all three agencies without my permission. And he will be sending me a form that can be filled out so they ask the 3 credit bureaus to change the hard inquiry to a soft inquiry. After, I called few times left the message but I dont get any response back from them, neither the form. Finally they back to me after 9 months once they receive email from State Attorneys General regarding I made complain.
Product: Checking or savings account

I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that.
Product: Debt collection

File has been added to credit report, this account has been settled and paid off 2023. Inaccurate reporting has damaged credit. Please remove off all credit bureaus. 

Collection amount is {$1300.00}