23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )
Product: Credit reporting or other personal consumer reports

I disputed closed accounts on my credit report there were several that are now closed they won't remove them I wanted these removed acct numbers XXXX, XXXX I'd like the credit bureaus to remove them. These companies are violating my consumer rights by using false misleading misrepresentation deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX XXXX and XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility..I spoke to a representative for Experian by the name of XXXX she failed to giver her last name the only thing she stated was I am on XXXX  XXXX they will know who I am and she failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX BANK OF XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against CREDITACPT concerning a late payment entry on my account ( Account XXXX XXXX ) that is appearing on my credit report. I firmly believe that the handling of this late payment entry by CREDITACPT is a violation of my rights under 15 USC 1666B, which governs billing errors in consumer credit accounts.

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under 15 USC 1666B are acknowledged and upheld.
Product: Credit card or prepaid card

Goldman Sachs/Apple XXXX says that they report the status of all accounts once per month in the third week. But, this is not true. Sometimes the status/balance is reported in the third week, sometimes the data is updated after my payment due date on the XXXX of the month. In either event Goldman Sachs will not give a precise date on which the account status is reported to the credit bureaus. 

It's impossible to monitor my credit and manage my finances without a specific STATEMENT CLOSING DATE.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION AND TRANS UNION LLC FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANS UNION HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Product: Debt collection

I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.
Product: Consumer Loan

I am currently in a financial hardship and I ca n't afford the bi-weekly payments. Even though they are getting paid, it is putting me in the negative and causing overdraft fees on my bank account. I asked to speak with someone about changing my payments. XXXX, the CSR, said, let me see what we can do. Then asked me what I was wanting. I asked him to change the payment from bi-weekly to monthly or to make the payment more manageable. My income has been reduced by {$570.00} a month. Therefore every two weeks I am going in the negative. XXXX said they ca n't change my payment from every two weeks to monthly. He said all they can do is extendd my payment due day up to 7 days. That just charges more interest. The end result is to not go in default of the loan and to have more manageable payments until my situation clears up. However, if they refuse to work with me, then I will have no choice but to default on the loan. I have been a customer of Rise since XXXX/XXXX/2014, I have had XXXX refi 's, and have paid a total of {$6000.00} in interest already from XXXX/XXXX/2014 to present day on a {$5000.00} installment loan. All I ask is for the company to work with me. It can be a win win situation if they allow it to be. Unexpected life events happen unfortunately and I have no control over that. Also, if I would of known at the beginning that the payments goes towards the interest first and then the principle, I would of never agreed to the loan.
Product: Credit reporting or other personal consumer reports

They told me that they was gon na remove it, but they didnt
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 XXXX Account Number:XXXX has violated my rights. Or a 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: Credit card or prepaid card

Chase Bank is reporting a credit card on my credit report that was not opened by me. I have previously complained about this to Chase however the negative reporting remains. I am a victim of identity theft. I have previously shared with Chase Bank a copy of my lease which shows that I did not live, work, or have any association with the address that they used for the credit card account. I have had to dispute other accounts as well. I am attaching the letters from other financial institutions which have investigated and found that the accounts established in my name are not mine. I encourage Chase to pick up the phone and call the other banks to verify that they did an investigation and found that these accounts were not mine. Chase is the only negative information on my credit report. If this is not resolved within 10 days I will be instructing my attorney, XXXX XXXX, to bring a lawsuit and seek compensatory damages.
Product: Credit reporting or other personal consumer reports

These accounts contain incomplete and inaccurate information, which violates my rights under the FCRA and the FDCPA. The FCRA, specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), mandates that consumer reporting agencies, like XXXX, maintain accurate and complete information in consumer reports. Additionally, the FDCPA, under section 807 ( 8 ), requires debt collectors to provide accurate information about debts they are attempting to collect.I expect prompt action to rectify this situation and await confirmation of the removal of the aforementioned accounts from my credit report. 
Trans Union : XXXX XXXX XX/XX/XXXX {$0.00}, XXXXA- XX/XX/XXXX {$0.00}, XXXX XXXX- XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XXXX {$0.00} XXXX XXXX- XX/XX/XXXX {$0.00}. 
XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX- XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I contacted the three credit bureaus and asked for the inquiries to be removed they stated that the inquiries had to be there for a certain amount of time years before they were able to remove them.
Product: Payday loan, title loan, personal loan, or advance loan

the terms of the line of credit were not clear. fees were not properly explained in the terms and when initially signing up there was an option for monthly payments. this line of credit feels predatory in terms fees and repayment terms.
Product: Credit card or prepaid card

I did a purchase through Capital one visa card which I have for more than 15 years, it was online order which turned out to be a fraud site that I purchased from, as I did the research and turned out that the merchant doing this systematically with many customers before, I called Capital one fraud dep. numerous time and I provided them with all documentation they asked me plus a copies of the emails i had with the merchant who did not start hear from him till I report the transaction as a fraud, before i emailed him many times but no respoce, it has been since XXXX but till this day filing this complaint with you Capital one did not cover the charge, mind you when signing up with them they do brag about customers are covered for a fraud transactions, twice I provided them with documents but they are trying to stick it to me and bail out from paying back the fraud charge.
Product: Credit reporting or other personal consumer reports

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.
Product: Debt collection

XXXX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX Regarding : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX To Whom it may concern, I have sent you a written request to validate a debt collection by XXXX XXXX XXXX, XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and they are obliged to provide me with relevant documentation. XXXX never or can they validate the debt. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. Therefore, XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ). 

Please take steps to remove any negative marking on my credit report that would adversely affect my credit. 

Thank you for your attention to this matter! 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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: Mortgage

Wells Fargo refused to modify my mortgage after 20 years of payments when I had XXXX in equity and I was DUAL TRACKED, GIVEN IN EXCESS OF 45 different agents as special assistance lied to about date of foreclosure, charged excessive fees, refused to be allowed to pay additional on principal, and now refused assistance and compensation for wrongful foreclosure when I QUALIFY UNDER HAMP AND THE AGENT REFUSES TO ASSIST OR RESPOND. I lost my home, equity, my job, was hospitalized, AND Zit destroyed my life due to their lies. 

I WANT FULL COMPENSATION FOr LOSSES. I ALSO WANT COPIESVIF ALL RECORDS RELATED TO THIS MORTGAGE
Product: Checking or savings account

Chase bank is withholding deposits when my balance is low and waiting until charges clear before posting and causing overdrafts.
Product: Debt collection

On XX/XX/year>, I contacted the Debt Collector to verify the debt and they said they have a general document that says they have my name and the debt I owe. I sent them letters on XX/XX/year> and XX/XX/year>, demanding them to provide verifiable proof of the debt with the general document and proof with my wet signature. They replied via email on XX/XX/year> sending me the general document but nothing that had my wet signature. This is not my debt and the Debt Collector has not been able to verify my signature. I also disputed on XX/XX/year> with XXXX, XXXX and XXXX and they all said the same thing and will not remove this debt and account. None of the bureaus or the debt collector can actually verify with my wet signature. 

Due to the fact that the XXXX Collector, XXXX, XXXX, and XXXX can not verify my debt, they will not remove the account. They are all reporting inaccurate and incomplete credit information. It is their responsibility to assure maximum accuracy in the credit reports, which they have not been doing. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX, XXXX and XXXX are not even reporting the correct names of the collection account because they are different on each report. On some credit reports the Account is under Genesis Credit Management LLC and other credit reports it is under Columbia Debt Recovery. All account numbers are different as well so nothing is matching up and making sense. Neither of those accounts Genesis or Columbia can verify my debt with verifiable proof and it has not been removed from my credit report.

The information being reported across all my credit reports in each bureau is entirely inaccurate and incomplete and represents a very serious error in their reporting. Please delete this misleading information and supply an update or corrected credit profile to all bureaus who have received a copy within the last XXXX months or the last XXXX years for employment purposes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that are posted on a credit report. This is why I am filing a complaint because neither the debt collector or the 3 bureaus have done their due diligence to verify as stated above.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXXXXXX XXXX XXXXXXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I moved from XXXX  to XXXX  in XXXX, 2021. In XXXX, I requested by email that Mercedes benz financial services ( MBFS ) provide proper documents for my car registration in XXXX. In XXXX, I provided all the information required by MBFS. Since then, MBFS didn't provide the documents for car registration. On XXXX XXXX, 2021, I paid off the loan and requested the title be returned to me. For months till today, MBFS still hasn't been able to tell me whether they lost the title or whether they will pursue for a duplicate title. Everytime I spoke with a different CSR. I could n't drive my car as it still hasn't registered in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Checking or savings account

On XX/XX/2020, I attempted to make a purchase with my TD Bank debit card but the transaction declined. When I logged into my TD Bank online banking I realized my two bank accounts ending in XXXX and XXXX did not appear or exist and my money was missing although I had over {$1000.00} in my account ending in XXXX. I immediately contacted TD Bank and the supervisor stated that my accounts were being closed although I was unaware and not notified and she also stated that she does not know why my money and bank accounts disappeared.