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

Your company has committed a violation of my consumer rights and a material breach of the arbitration agreement we had. This communication is a humble and good faith attempt at seeking to have this discrepancy resolved both promptly and amicably. Please see Notice of Default attached for further details.
Product: Debt collection

Portfolio Recovery XXXX XXXX based in Virginia- is committing consumer Fraud and Harassment- they left a voice mail identifying me by name saying that they were attempting to collect a debt. ( I do not have any debts in collections. Any debt I do have is paid regularly and on time. ) I called the XXXX number ( the call I had received was a local number. ) the woman asked for my SS #. I did not give it to her. She said she could not give me any information about why they were calling without it. I have not received any mail or letters regarding any of this. I went to their website and demanded a debt validation letter. ( See evidence below ) If this is legitimate then they should have to prove it. 
This is fraud. My credit monitoring company alerted me of a fraudulent attempt to secure a loan and I stopped it from being approved. I locked all of my credit reports in XX/XX/2021. This attempt to collect a non existent debt and find out my social security number is illegal. My credit report is clean with no past due payments and no collections owed. Please help. I have read that they ruin peoples credit ratings fraudulently. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, LA XXXX
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX I Account XXXX Account Name : XXXX Account XXXX Account Name : 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: Vehicle loan or lease

On XX/XX/year>, I searched online for auto lenders who pre-qualify. I have a credit score of over XXXX and was specifically looking for a XXXX XXXX or bank to take over my lease buyout. The internet directed me to Gravity Lending ( XXXX XXXX XXXX # XXXX XXXX, TX XXXX ). I submitted an online form as part of the review process. The following evening I received notification from XXXX that my credit had been accessed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, NJ XXXX ). I immediately submitted a fraud alert and had all three of my credit reports frozen. I also emailed XXXX to notify them of the fraud. Because this occurred over the weekend, I had to wait until the following Monday to follow up. On Monday morning I received a voicemail message from XXXX, informing me that the credit check was requested by Gravity Lending. I then contacted Gravity Lending - my point of contact was XXXX XXXX. XXXX sent a screen shot of a form I submitted online where I authorized my credit to be accessed. I explained that I was under the impression that I was submitting a form for PRE-APPROVAL only. Not wanting to have any additional hard inquiries on my credit report, I decided to follow through with the process, albeit reluctantly. As things progressed in the application process, I became more wary. I explained that I had always gone through the dealership for financing and asked that things be explained to me " as if I were a XXXX XXXX XXXXXXXX XXXX '' Instead, I kept finding out details about the process after the fact. For instance, I inquired about XXXX and why my credit was pulled by this lender. Instead of being forthright and explaining that I wasn't dealing with a lender, but a BROKER, I was simply told that the request to pull my credit report had come from Gravity Lending. I became more suspicious when I was instructed by Gravity Lending to go to my local XXXX dealership and request specific documentation, but to be forewarned that I might receive some pushback from the dealership. When I went to XXXX of XXXX XXXX dealership in NJ, it wasn't pushback that I received. Instead, I was met with raised eyebrows. I could sense that something was off, but no one said anything so I proceeded. Within XXXX hours of the dealership initiating things on their end I received a phone call from them. They had informed me that XXXX was only covering the payoff balance of the car, approximately {$13000.00} and not the total amount to include, taxes and fees of {$23000.00}. I instructed XXXX to pull my application and halt the process. I then went through the XXXX dealership for financing. Upon closer review of XXXX, I discovered that around 98 % of their reviews are negative. Gravity Lending uses sub-par lenders and also fails to disclose that it is a broker and not an actual lender. This is further substantiated by going to the website where there is no indication that the customer is dealing with a third party.
Product: Debt collection

On or about XX/XX/XXXX, XXXX opened an unauthorized account XXXX using my Social Security Number in XXXX Georgia. 

I did not live in XXXX Georgia on or about XX/XX/XXXX and did not authorize the account. 

XXXX made no attempt to stop the unauthorized transactions and in fact, the unauthorized transactions continued through XXXX. 

XXXX via their collection agency " Eastern Account System '' reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX via their collection agency " Eastern Account System reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX has repeatedly accessed my credit reports without my permission, a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} The above account was never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


2. ) Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$450.00} does not correspond to the lower amount that I remember. I request TransUnion to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask TransUnion to mark this account as disputed to prevent further negative impact on my credit score. 


XXXX. ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$100.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$34000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


5. ) Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} I require TransUnion to verify the accuracy of the account identified as XXXX XXXX XXXX The reported balance of {$3600.00} is inaccurate, as I believe it should be a lower amount. Additionally, the Past Due amount should not be presented, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that it does not negatively impact my credit standing. Furthermore, I request TransUnion to verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

Truly, XXXX XXXX XXXX
Product: Student loan

I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased.
Product: Credit reporting or other personal consumer reports

Transunion refuses to restore the XXXX points to his credit score. Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Please immediately re-evaluate XXXX XXXXXXXX XXXX credit score in light of the removal of the negative information and restore the XXXX points back to his credit score.
Product: Checking or savings account

Opened an account with CITIBANK back in XXXX, the bank froze deposit and won't help. I get a different story each time i call. They have been sending me on a goose chase to all the other banks and it's sad. I just need my money that I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in response to complaint # XXXX. I spoke with a representative of the CFPB on XX/XX/2021 and was informed that Experian closed the complaint because they believed a third-party had submitted the complaint. I am confirmed with the representative of the CFPB that I, XXXX XXXX, am in fact submitting this complaint and Experian is continuing to dodge my complaint and violate my rights. I was informed that I would most likely have to take legal action for Experian to do anything. The XXXX XXXX Account is still on my consumer report. I demand compensation for these violation. The following is my original complaint : I, XXXX XXXX, a natural person spoke with XXXX at Experian on XX/XX/2021 at XXXX PST. He stated XXXX XXXX has verified all information on my credit report. I asked him if XXXX XXXX produced documents stating written permission to furnish this information to my consumer report. He stated Experian does not have this document and XXXX XXXX never produced the document. The Experian representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to XXXX XXXX or Experian to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. Experian is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. Experian is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. Experian is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation. 

I have attached an invoice for where my check can be mailed to. Thank you!
Product: Student loan

I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.
Product: Money transfer, virtual currency, or money service

On or about the XXXX XXXX XXXX, I tried to purchase a saw online for {$68.00}. I checked out and used PayPal since that was an option. Little did I know that this company had their payment system set up as a Friends and Family payment to bypass any clawback from PayPal. I didnt intentionally pay that way. That is how their checkout worked. I emailed PayPal with my concerns and rather then attempt to solve my issue, ( clawback from the fraudulent online store or otherwise ), they merely hid behind the fact that it was a Friends and Family payment per their email response attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.
Product: Debt collection

XXXX and XXXX XXXX XXXX  ( Original Creditor : AT XXXX ) result of identity theft These are not my accounts
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured 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 card or prepaid card

I consistently have trouble with Capital One receiving/accepting payments, resulting in unnecessary late fees and added interest. I make payments using my bank 's online payment system. NO OTHER PAYEES have an issue receiving and applying the payments, but Capital One has made this a very painful process for years. After several months of issues, I started making payments on their website. However, this is an additional step for me ( several steps ) and it seems unnecessary when I am making payments- way ahead of the due date - and all other payees are able to receive and credit my account promptly, but Capital One is unable to do this. 

Most recently, I made a payment through my bank 's system on XX/XX/XXXX. They need 2 days to deliver, so not counting the weekend, the payment date should have been XX/XX/XXXX. I have verification from my bank that the payment was electronically delivered on XX/XX/XXXX. Moreover, another credit card that I paid on the same date and in the same manner received payment on XX/XX/XXXX and credited to my account on XX/XX/XXXX. On Friday XX/XX/XXXX, I noticed that the payment to Capital One was still not reflected, and I became concerned that there would be a late fee as the payment due date was XX/XX/XXXX. I called and spoke to a representative who suggested the payment might clear that day. He made a note for " promised payment '' but could not offer a callback or other service to allow me to make an additional payment simply to avoid a late fee, should the payment still not reflect in their system as of the due date. Today, XX/XX/XXXX, I called again, made ANOTHER payment in an attempt to avoid additional reminders and a late fee, but the representatives have no solutions other than to tell me, repeatedly, that their system doesn't show the payment received. 

I have offered to send proof from my bank to Capital One that the payment has been delivered. I have attempted to make payments through my bank 's system well in advance of the payment due date to accommodate the lapse in their system. All to no avail ; Capital One refuses to accept any responsibility for this repetitive issue even though their account contact records should show multiple calls from me about this very same concern dating back to XXXX. Today the representative told me they have not had any complaints about a problem with their system accepting payments. I find this odd, as I have called to report this issue so many times in the past. 

I make multiple payments each month using my bank 's online payment system and I have NEVER had an issue with any other payee, yet the issue with Capital One occurs repeatedly. I would like to know why this is happening and what they plan to do to address it. I should not have to take additional time, or pay additional interest amounts and/or late payment fees due purely to error on their system.