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

I received a pay day loan for XXXX. Dollars I paid {$13000.00}, I paid what I thought I owed, to XXXX XXXX XXXX XXXX, they repossessed the vehicle, I paid the payoff, and only owed {$1500.00}. XXXX, dollars. That was in 2013, now they reappeared on my credit report and are now harassing me and ruined my credit for arbitrary leading reasons. For {$15000.00} XXXX dollars I need this stopped and deleted off my credit report please help.. They need to be put out of business for these types of fraudulent title loans.
Product: Debt collection

Called at XXXX XXXX XXXXXX/XX/year>. 

Asking for my wife. Number shows up on my phone as spam. Won't tell me who they are or what company they are with. So, I am not going to give you any information about my wife. 

Just wanted to argue with me. 

Told me to Wish my wife good luck... Which I consider as a threat. 

Called number back was hung up on when I asked for who I just spoke to. 

Called back again was sent to the person who made the first call and was spoken to in a way that is uncalled for. 

I had to do my own search to see who this is, and I find Cavalry Portfolio Services LLC at XXXX XXXX XXXX XXXX, CT The number that showed as spam on my phone was out of XXXX, Ok
Product: Debt collection

Key Bank has been sending me Commercial Loan Statements and Demands For Payment regarding loan # XXXX, amount {$4600.00}. I have several times asked Key Bank representatives for a history of this loan, for all supporting documents, including all statements and payment records, and I have received no documents.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXX XXXX XXXX, Account Number XXXX XXXXXXXX I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and to address significant inaccuracies concerning the reporting of the collection/charge-off account identified above. Specifically, the information related to the account 's date opened, last reported date, date last active, and date of last payment is inaccurate and potentially in violation of 15 U.S. Code 1681e ( b ), which obligates reporting agencies to ensure the accuracy of reported information. 

In accordance with the FCRA and 1681e ( b ), I demand that your agency promptly initiate a comprehensive investigation to rectify these inaccuracies. The incorrect data reported adversely affects my creditworthiness and financial standing, and immediate corrective action is essential. 

I insist that the following steps be taken : Thorough Investigation : As required by 1681e ( b ), I am requesting a diligent investigation into the discrepancies surrounding the dates associated with this account. This involves a comprehensive review of the original loan documentation, payment history, and other relevant records. 

Correction and Reporting : If the investigation reveals any discrepancies, I expect your agency to expeditiously rectify and update the inaccuracies related to the date opened, last reported date, date last active, and date of last payment. Your prompt compliance with this request is crucial. 

Written Confirmation : Within 10 days of receiving this letter, please provide written acknowledgment of the investigation 's initiation and your commitment to adhere to the law. Failure to respond appropriately will be interpreted as a breach of 1681e ( b ) and may lead to appropriate legal action on my part. 

I want to emphasize that the FCRA and 1681e ( b ) are designed to protect consumer rights and ensure the accuracy of credit reporting. Any deviation from these legal requirements will be met with appropriate action, including but not limited to submitting formal complaints to regulatory authorities and seeking legal remedies.
Product: Debt collection

I got involved with Ameritech Financial to consolidate and repay my student fed loans and participate in the PSLF loan forgiveness program. I was deceived by Ameritech Financial who also has involved the XXXX XXXX XXXX XXXX who I have found is taking my money ... .not paying my fed loan at all. XXXX is also taking part in deceptive practices and I would like a full refund. 

Since finding out of these deceptive practices from the FTC, this is the reason for my complaint. I have also contacted XXXX on XX/XX/18 and was able to leave a message stating to cancel my account. issues a refund and stop all future payments. I have not heard a reply yet.
Product: Debt collection

XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, XX/XX/2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, XX/XX/2014. Please refer to the XXXX dispute results, dated XXXX XXXX, XX/XX/2014. However, XXXX XXXX reinserted the previously deleted information through Pinnacle Services Credit Services, LLC in XXXX, XX/XX/2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, XX/XX/XXXX This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. Pinnacle Credit Services , LLC has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having Pinnacle Credit Services , LLC reinsert the negative credit item under my name. Pinnacle Credit Services , LLC is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an account with NCA XXXX XXXX. Disputed findings with XXXX and XXXX states their research and feedback from NCA leaves account information unchanged. I called NCA and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

XXXX  Dispute # XXXX Closed XX/XX/2022 I provided letters from NCA showing account balance is XXXX and account is settled. 
XXXX 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

NCA Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.
Product: Credit card

I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.
Product: Credit card

Recently checked my Macy 's bill and saw that I had been charged a credit protection fee. Called Macys and they said that I was enrolled in the program and I had been for 8 years now. I do n't recall ever agreeing to sign up for credit protection. I have cancelled the policy however, they are stating that they have to review my account in order to see if I qualify for a refund.
Product: Debt collection

Hi My situation is much complicated and I tried everything I can to resolve it with the debt collectors and company, I have 4 closed accounts Capital one, XXXX, XXXX  XXXX and XXXX XXXX, a total debt not exceeding XXXX, these accounts were open with my identity 2 years ago, I was not aware of them, they were actually being paid on time for the first 3 or 4 months, then stopped, I came to realize that my Brother who looked exactly like me was responsible for these accounts, I was not aware of it at all and I did not give permission to my brother to open these accounts! I tried disputing these with the bureaus and they are not showing any kind of effort or knowledge or even care, they are determined to collect these debts, I even tried paying some but eventually I realized that Im not responsible for this! Please help. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have called at least 4 times since my mother 's passing trying to get the funds distributed to my brother the beneficary. Each time I have been told I had to be transferred to a trust divsion and they are too busy to talk to me at the time and they will call me. I have gotten no call back from anyone at the bank. I asked to speak to a supervisor, they also were too busy to speak to me. The address on the statement is going to a house that is no longer owned by my mother. I can not even get them to change the address of the statement so it is not going to someone who should have not access to her information. 

My mother passed on XXXX XXXX. I contacted the Sychrony Bank on XX/XX/XXXX and provided the documents requested for the funds to be distributed to myself and my brother. I was told my brother 's share was to be distributed to a trust for him, which I was aware of. I submitted all the paper work they requested at that time. 

I sent additional information that was requested on XX/XX/XXXX by fax as I was instructed to the attention of XXXX. No response and no action I called XX/XX/XXXX and was told I would be called by someone in the XXXX department I called on XX/XX/XXXX and was told I would be called by XXXX that same day. 

I have called today XX/XX/XXXX and was told again that the two people in the XXXX XXXX were very busy and they would call me. 
I have recieved no calls from the bank. NONE!!!!!!!! 

The value of the CD is {$11000.00}. My brother is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He needs these funds as he is on a limited income.
Product: Vehicle loan or lease

I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.
Product: Checking or savings account

SoFi restricted my account and will not let me have access to it
Product: Debt collection

I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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: Debt collection

I have 2 collection accounts that are not mines. The Macys acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me.

The other attachment is a medical bill that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution
Product: Debt collection

This company has called me and my wife an average of 4 times a week for the last three years. We have asked them to cease this and send proof of the debt countless times and they have refused. They have sworn at us, called us deadbeats and refused to stop calling. They have yet to provide any information about the supposed debt ( s ) and refuse to provide any information on the phone without us revealing information such as our social security numbers. We have blocked their numbers but they call from a new number each time. I also believe these are robocalls because when I answer I sometimes don't say anything and the call disconnects after 15 to 20 seconds without anyone on the other end saying anything.
Product: Vehicle loan or lease

No less than 5 times a day i receive phone calls from theaw 2 numbers. 
I have received over 28 calls in the last 96hrs. They start xalling me as early as XXXX and the last call is always after XXXX PST. 
The 888 number is a robo caller and the XXXX  number is a live representative. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased on XXXX a room for XXXX nights at the XXXX XXXX in XXXX XXXX, California. The transaction totaled {$470.00}. I arrived on XX/XX/XXXX to a room infested with bed bugs. This was unacceptable and I immediately informed the desk that this was not going to work out because it is unclean and hazardous to my health and I went to XXXX to provide a refund. They did not. 

I then on XX/XX/XXXX filed a dispute with my Card company Chime they have 10 days to investigate the dispute and if more time is needed upon providing a provisional credit have time extended to 45 days. 

It is now XX/XX/XXXX calendar days later and 11 business days later including the a XXXX XXXX holiday. No response of on the investigation is been provided. Also no provisional credit has been added to my account. 

The law on bed bugs in California is ; California Health and Safety Code Section 17920.3 Any building or portion thereof including any dwelling unit, guestroom or suite of rooms, or the premises on which the same is located, in which there exists any of the following listed conditions to an extent that endangers the life, limb, health, property, safety, or welfare of the public or the occupants thereof shall be deemed and hereby is declared to be a substandard building : ( a ) Inadequate sanitation shall include, but not be limited to, the following : Infestation of insects, vermin, or rodents as determined by the health officer. 

General dilapidation or improper maintenance. 

Appendix 2- California Code of Regulations, Title 25, Chapter 1, Subchapter 1 Section 40. Bedding : In every apartment house or hotel, every part of every bed, including the mattress, sheets, blankets, and bedding shall be kept in a clean, dry sanitary condition, free from filth, urine, or other foul matter, and from the XXXX of lice, bedbugs or other insects. The bed linen in a hotel shall be changed before a new guest occupies the bed. In every dwelling unit where linen is furnished, the linen shall be changed before a new guest occupies the dwelling unit. 

25 CCR 40 Bedding. State Housing and Community Development- Bedding Beds in apartments and hotels that supply beds and bedding to renters must ensure that all bedding is clean and free of bedbugs. Linens must be changed before a new occupier occupies the unit. Hotel bedding must be changed before each new guest arrives.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that remains unresolved despite previous attempts to correct it. The issues I am experiencing align with those highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges that Experian has failed to conduct proper investigations of consumer disputes and has unlawfully reinserted inaccurate information into credit reports. 

These accounts do not belong to me, and I am requesting their immediate removal from my credit report. Additionally, my previous disputes regarding these accounts resulted in updates in XX/XX/year>, yet the inaccurate information remains on my report. Per the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the accuracy of consumer credit reports and conduct a proper reinvestigation of disputed information. 

I am formally requesting the following actions be taken : Provide documentation and evidence verifying the legitimacy of these accounts under my name. 

Remove these accounts from my credit report if they can not be verified as accurate within 30 days.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed an account that I do not recognize. It seems there may be some confusion or mix-up, as this account doesnt appear to be associated with me in any way. After carefully looking into it, I believe this is an error and doesnt belong on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX  '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # 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, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus Experian, XXXX, and XXXX. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : EXPERIAN : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit Capital XXXX account opened XX/XX/XXXX, an XXXX XXXX XXXX XXXX account opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This debt was owed and was with a different collection agency last year. I made arrangements and paid this debt in full, I was promised that it would be off of my credit report within a month of receiving the final payment. I did not hear back from that collection agency, but a few months later I began receiving bills for the same debt but with a different collection agency. I have explained to them that this has been paid, they claim to have no record because they are a different agency, and they still have not corrected their mistake. This debt is paid, and has been paid for months and I can not seem to get this problem solved. Please help me! This new collection company is called AFNI on my credit report and is trying to collect an old paid off XXXX XXXX XXXX bill. Either they are making a mistake or I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX  XXXX XXXX plus more.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX you called XXXX and asked if they showed any record of late payments. The said " NO ''. Then on XX/XX/XXXX XXXX supplied you with a document that verified no late payments were showing. See Attached Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An application for an automobile loan was refused by XXXX XXXX, on/about XX/XX/2020, based in part due to a credit report by SageStream , LLC ; including the following negative comments : XXXX Too few active accounts * Limited credit history. 

Now, i have been using credit in the US for nearly 10 years. During that time, i have ALWAYS paid on time and in full. 

IF SageStream is not able to identify sufficient accounts, or has Limited credit history on me, I feel it is both incompetent and fraudulent for them to presume to supply credit advice on me. Why should I suffer because of their ignorance? 

XXXX XXXX