23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased jewelry and was extended a line of credit by a financial institution that I was told did NOT report to credit bureaus. After having the merchandise for 4 days I contacted the financial institution ( Acima ) to find out my options. I was advised that I could purchase the jewelry for a lesser cost or return it and my lease would be closed. I did so in XX/XX/2021. I am now being reported to XX/XX/XXXX that I've voluntarily surrendered merchandise in XXXX & XX/XX/2021. This is contrary to what I was told. I was not given this information by Acima after contacting them several times. I would have never returned the merchandise if I would have known that they would report me negatively to a credit bureau. They are not helpful when I call them.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened a account up with this company back in XXXX. I attempted to use the card the same day and had Promblem 's. So i called this company and they told me that they are no longer able to assist me and they closed my account and told me that i should get a refund within 2 weeks. Well 2 weeks came and i didn't get a check. I called them again and they told me it was sent. Well 2 more weeks came, I still haven't got anything. I was calling from XXXX to XXXX. finally XXXX came and i filed a complaint with XXXX and someone from customer support stated they would give me a call and he did and he told me he would resolve this issue. So i waited and i still haven't received anything. So i said enough is enough i will file a law suit when i get funds. I been kicked out my home due to them not sending my money that i was suppose to pay my rent with. My kids and i was homeless and i take that as discrimination and hardship and everything else. I'm not gone give up until i get my money back. this issue needs to be resolved and they need to be stopped. They are a complete scam!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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 consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # # # # # # # # # # # # # # # # XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I found inaccuracies in my credit report as outlined by 15 USC 16c-2. I believe this information is erroneous and damaging my credit score.
Product: Credit card

I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mullen Finance, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached thank you
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that XXXX have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness. 
I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time. 
I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.
Product: Checking or savings account

BB & T was notified of a missing endorsement on check # XXXX on ACCOUNT # XXXX. They refused to notate the account or respond. They also refused to acknowledge the check fraud.
Product: Credit card or prepaid card

Hello I called ells Fargo numerous times and even went to the bank manager within a hour learning the supposedly undenied fraudent situation. At the Bank, they assured me the charges will be removed so I did not need to pull my remaining money out. 

9 days later when I inquired a lady in XXXX  from Wells fargo said they investigated and left it charged in my account, so I can never get my money back. 

In reality, I never made the charges and I actually, learned the charges were occurring with what the Wells fargo representative performing as putting in as disputes ... I verified it. On XX/XX/XXXX a wells fargo representative called me and said there were fraudelent activity on my account, I asked her by asking my balance in the account. She knew it and the called id said Wells fargo as well. Later I checked the phone records, it as a wells fargo phone number XXXX, I checked my phone records for the numberXXXX statements. 

There were 17 chargers totalling {$2000.00} plus fees totaling # XXXX. 

Upon learning, I went to the police department and spend 5 hours talking to wells fargo representatives, everyone passed the buck to different departments. 

Based on my education and conversation and the phone records. It direct me to an inside job. Some one having access to Wells fargo phone line so it shows as Wells fargo and someone having access to data and someone that knows the investigation process. 
Then thay have a fast way to charge up the card with the same amount. 

I called and asked them to listen to my calls dated XX/XX/XXXX for 49 minutes and 37 minutes to see how this can be possible? 

I feel this situation requires more internal investigation with the information I have, I can be available and be glad to give my data for investigation. 

Basically they are charging cards fradulently and refusing /denying cases by offshore investigation that is not done properly. XXXX ladies name was XXXX. 

Please investigate or call me at XXXX XXXX so I can provide all I have for clear investigation by professionals. I am very limited. 

Thank you in advance for your cooperation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received my credit report and have fraud activity on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to remove a dispute and was told it could not be done after initially being told that it could be removed. I got several different answers and finally spoke to a manager who said it was a process and could not be removed despite the owner of the credit which is me that I could not get it removed. This is ridiculously. I hate Equifax. Plus they have untrained staff overseas that know nothing. I got a different reply each rep I talked to. Get rid of Equifax. We dont need 3 different bureaus to many causes for errors
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. XXXX law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, XXXX XXXX XXXX
Product: Debt collection

Closed case XXXX states that the company who has been calling us did not say the debt was from them. We originally filed a complaint on XX/XX/20 and now on XX/XX/20 they are harassing us again and my family members. They called my uncle and myself around XXXX XXXX on XX/XX/20. I called CFPB sometime last week to discuss the next steps and the CSR stated that Sentry did not accept responsibility for the debt we reported them for. A XXXX called left a voice message saying I needed to call them back. When I did they would not verify the debt unless I provided my last name and DOB. When I refused they hung up. This will be the 2nd time I report Sentry and this time I do not want the case closed. Sentry is lying to the CFPB and myself and need to held accountable.
Product: Mortgage

The mortgage is under my name, but we are both on the title to property located at XXXX XXXX XXXX XXXX. Originally, the mortgage was through XXXX XXXX but was sold to Wells Fargo. The XXXX homes on the property were burned down because of the wildfire in XX/XX/2022. We informed Wells Fargo that we wanted to keep the mortgage because we planned to rebuild. Every time, however, that I have spoken to them, it feels as though they are pressuring us to pay off the loan and refinance with a higher interest rate. We don't want to do that. They have then been giving random and often untrue reasons for them not letting us keep the loan -- one was that the homes would be modular, another was that there would be multiple homes ( there were XXXX homes on the property when Wells Fargo bought the loan ), and the one most recently was that they would be XXXX -- which they are not -- one is over XXXX sq ft, the other is about XXXX sq ft. A third is at about XXXX sq. ft. WF has a copy of our proposed site plan as well as plans for each of the homes. What is even more troubling is that Wells Fargo has retained and has not delivered to us money owed to us. The outstanding loan balance is {$280000.00} and WF received a check for {$540000.00} and some change. They are to send us the amount not owed them, which is about {$260000.00}. We need that money to secure purchase of the homes we are getting. Our complaint about retaining the loan has been escalated, but we keep getting extended deadlines for resolution. That issue, however, should not prohibit them from sending us what is owed to us. We chose to go modular/manufactured because of the current cost to rebuild a site/stick home is very expensive and the timeline is beyond what insurance would allow.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report. Upon reviewing my credit file, I discovered that this credit conducted a hard inquiry without my authorization. At no point did I provide consent for this entity to access my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. Equifax has updated my late payment for XXXX XXXX account. However, XXXX, XXXX, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, XXXX, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, XXXX, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX  have verbally stated they will not forgive my late payment under the covered period. This is against the law.