23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!
Product: Checking or savings account

WELLS FARGO BANK closed my account, each had a balance which I got a notice that I would receive a check within 90 days, it's been more than 5 months! I've already submitted a complaint to them 3 months ago, to which they said they would solve, but they lied, they're lying, and manipulating just to have this complaint closed, I called customer service more than 100 times, nothing has been done at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the unresolved inaccuracies on my credit report, despite multiple previous dispute attempts. As a diligent consumer, I have consistently adhered to the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in an effort to rectify these discrepancies. 

Upon reviewing my credit report, I have identified several items that contain erroneous information. Despite my repeated efforts to dispute these inaccuracies through your agency, they have not been appropriately addressed or corrected. This failure to rectify the errors has had a detrimental impact on my creditworthiness and financial well-being. 

Under the FCRA, consumers have the right to accurate and verifiable information on their credit reports. It is disheartening to see that despite my compliance with the dispute process and provision of supporting documentation, the inaccuracies persist. 

I urge your agency to take immediate action to investigate and rectify the disputed items on my credit report in accordance with the FCRA guidelines. Additionally, I request that you provide me with a detailed explanation of the steps taken during the investigation process and the outcome thereof. 

Furthermore, I would appreciate your assistance in ensuring that such inaccuracies do not reoccur in the future. I trust that your agency will uphold its obligations under the FCRA and work diligently to resolve this matter in a timely and satisfactory manner. 

Please find attached copies of relevant documents, including previous dispute correspondence, to facilitate the investigation process. I expect a prompt response to this dispute complaint within the statutory time frame stipulated by the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.
Product: Debt collection

I would like a detailed receipt on the bill that that claims I owe ( x ) amount. I do not believe the bill I have received is the correct amount due. Due to the fact I did not receive a bill till months later,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Conns at least 20 times about this issue. 

1. XX/XX/XXXX Conns reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on XXXX dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls Conns responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from Conns agent. ) 3. Conns is basicaly suggesting the XXXX is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( XXXX report of Conns account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is Conns or XXXX. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just now received a hard inquiry on my credit report by XXXX that says its XXXX XXXX XXXX/XXXX. From XX/XX/XXXX. It's XX/XX/XXXX and I have never seen this before today Saturday, XX/XX/XXXX. I called the company and they said they have been getting calls like this recently. An error in XXXX XXXX system. He said it's a XXXX XXXX issue and to call them. XXXX XXXX says to call them. Getting the run around. That's really all there is. A false credit inquiry.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


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

XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00}
Product: Debt collection

I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. 

My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX
Product: Debt collection

I am writing to formally dispute an erroneous entry on my credit report which has been reported by XXXX XXXX. According to my credit report dated, there is an outstanding debt of {$920.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with XXXX XXXX, and this account does not belong to me. 

This incorrect reporting has severely impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines. I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. 

Provide legal proof that I have entered into a business relationship with XXXX XXXX. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. 

I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution, I have attached my police report to this letter. Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccuracies in Credit Report Pursuant to 15 USC 1681b and Civil Liability for Negligent Noncompliance I am writing to file a complaint regarding inaccuracies in my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. I have attempted to resolve this matter previously on XX/XX/2024, through a dispute, but the response I received stated that the account had been verified. However, upon pulling a new credit report, I still find inaccuracies present. 

Upon thorough review of the credit report, I have identified the following discrepancies that require immediate attention and rectification : 1. Term 2. Current Payment Status These inaccuracies are concerning as they may adversely affect my creditworthiness and financial standing. Furthermore, they do not accurately reflect my credit history and financial obligations.

I want to highlight that negligent noncompliance with the FCRA may result in civil liability, as outlined in 15 USC 1681n. Specifically, according to 15 USC 1681n ( B ), my consumer report was obtained under false pretenses without a permissible purpose, and any actual damages sustained by this will result in {$1000.00} or greater. 

Therefore, I urge the Consumer Financial Protection Bureau ( CFPB ) & TranUnion to conduct a thorough investigation into the disputed items in accordance with federal law. Additionally, I request that you promptly correct any inaccuracies found in my credit report and provide me with an updated version reflecting the necessary corrections. 

Please be advised that under the FCRA, you are required to investigate the disputed items within 30 days of receiving this complaint. Furthermore, I request that you inform me of any actions taken as a result of this dispute. 

I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA ( Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it
Product: Debt collection

Company is in violation of the FDCPA and US Bankruptcy laws. I filed chapter XXXX bankruptcy on XX/XX/2019 at the XXXX XXXX of Missouri with case number XXXX. The company has threatened to file suit against me on a debt included in bankruptcy. The company is in violation of the automatic stay according to bankruptcy code by contacting me. The company is in violation demanding payment on a debt included in bankruptcy. Misreprentation of being attorneys that will file a suit if not paid. Violation of promising to remove debt from credit reports if I pay them ( again they have no rights to collect since the account is in bankruptcy ).
Product: Debt collection

They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX trust with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

I BELIEVE I AM BEING deceived and lied to by a company called UPGRADE a online lender whom I ( XXXX XXXX XXXX ) obtained a loan # XXXX with on XX/XX/2017 and paid it off I thought on XX/XX/XXXX however my payoff amount which was quoted to me by customer service rep XXXX XXXX was not credited to my account until XX/XX/XXXX resulting in me being charged an additional {$8.00} for the day it should have been credited so I'm finally anticipating my paid in full loan to show up on my account lo and behold NOTHING the rep claims I can no longer view my account and I have to wait 10 business days to get my final papers in the mail not online since I'm not a novice at getting loans online and paying them off I know for a fact other companies like XXXX XXXX XXXX etc have given me information as soon as my loan was paid in full this practice by UPGRADE seems illegal deceptive unfair and theres many other terms I can use but its just outright wrong I still don't have my paid in full documents I'm asking for your ASSISTANCE in this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Coinbase.com submitted two fraudulent electronic transfer requests to XXXXXXXX XXXX in the amount of {$7500.00} which were processed and paid. Upon discovery of fraudulent charges XXXXXXXX XXXX was notified and returned funds, however refund was reversed following investigation with Coinbase.com who claim that since more than 60 days had elapsed, they were not liable for the fraudulent activity. Unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report states that there is a Wells Cargo credit line in my name opened on, XX/XX/XXXX then reported delinquent on XX/XX/XXXX. 

As this is an account that I have paid off with certainty and with an organization that is notorious for the mistreatment of its customers, I would like to request all applicable paper work, transfers of debt, collection agency actions, and other relevant information in order to dispute and ultimately remove this off of my credit report.
Product: Credit card

RE : Citi 's Response to Complaint ID # XXXX : Wayfair 's lack of response : It is quite clear in Citi 's response that the information submitted regarding the duplicate shipment activity that there may be communication issues that need clarification. Citi appears to have completely ignored the information that I sent and based their respo9nse on the feedback from Wayfair which may include incomplete documentation ; for example XXXX. Citi stated that the dispute date was XX/XX/XXXX when the actual date of dispute is XX/XX/XXXX. Citi also noted that Wayfair did not have a record of a returned order, but did not indicate whether the Fed Ex documents that I included in my first complaint along with my fax documents sent to them XXXXXX/XX/XXXX were reviewed or acknowledged. For the record, the shipment was received by Wayfair on XX/XX/XXXX. To that end, I am attaching documents that detail shipping and return activity with Fed Ex, Payment activity from my bank ( no Wayfair card should have been charged as the transaction was paid with the use of my personal bank account ) ; and most importantly any and all communication and information that explains in detail the documentation that triggered the reconciliation of the dispute ( also includes instructions from Wayfair for returning the items.