23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.
Product: Mortgage

This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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 Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX 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 payment in question was made on time, as evidenced by the attached bank statement and payment confirmation. 
I have confirmed with my creditor that the payment was processed on time, and there was no delinquency on the account. 
There may have been a clerical error in reporting the payment, leading to the incorrect late payment entry.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Credit card or prepaid card

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX. no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.
Product: Credit card or prepaid card

Spoofed through Indeed.com applying to an ad for a XXXX XXXX On XX/XX/XXXX, I answered an ad for XXXX XXXX  on XXXX XXXX XXXX, XXXX of XXXX, contacted me and sent information. I signed up and agreed to the job description. I submitted my American Express ( AMEX ) card ( only the numbers ) and was given an advance to begin my assignments on XXXX. AMEX sent me confirmation that stated that the credit had been received. Over the course of XXXX to XXXX, I received payments of {$18000.00} ( see below XXXX of the AMEX confirmation emails ) deposited into my AMEX account for buying merchandise and gift cards. After completing the assignments for XXXX, ( filling out a survey, and photographing the receipts/gift cards, and merchandise ) I was paid {$400.00} for each task. On XX/XX/XXXX, I received an email from AMEX stating that my credits had been reversed. I immediately called the AMEX and talked to XXXX XXXX ( XXXX ). She advised me that I had been exposed to fraud and that XXXX XXXX the financial institution that had issued the credits had reversed all credits. XXXX XXXX stated that the Customer Advised was not authorized. XXXX XXXX ( an expert on internet fraud ) then stated that she has witnessed this type of situation at least 12 times a day. XXXX XXXX then advised me to start the process of reporting my fraud to the various agencies that can help me document it. If AMEX had seen this type of fraud, before why didn't they catch what was happening. AMEX has recorded all my conversations and in good faith, I did approve these transactions because AMEX validated them through emails.
Product: Credit card or prepaid card

Hello, I had applied for a Chase Southwest Rapid Credit Card on XX/XX/XXXX. I had signed up for a special offer ( between XX/XX/XXXX & XX/XX/XXXX ) which included - If I spend XXXX within the first 3 months, - XXXX Bonus points- Companion pass through XX/XX/XXXX. 

I was shocked to see that none of these were added to my account. When I called customer service, I was told that I had signed up for XXXX bonus points- which is incorrect. I had recommended the same offer to 4 of my other friends since we all had to plan a trip for our sons cricket tournaments and luckily I had a screenshot ( attached ). I had spoken to the call center supervisor and he said he will send it to the right department and they will review and see if the promotion I applied for can be put on my card. I will know in 10 business days on whether it will be applied or not. 

Today I got a response that the marketing team determined the offer was not applicable to me and no explanation was provided. I will not be able to take this matter any further. 

How can it be changed automatically without the customer 's consent? How can the customer service agents confidently and repeatedly say that I had applied for only XXXX bonus points? I truly feel cheated. 

Disappointed, - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, under 15 U.S. Code 1681i ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Therefore, I request that the following items be removed from my credit report immediately. 

Inaccurate items : KIA FINANCE AMERICA
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of 2022
Product: Credit card or prepaid card

Around XXXX I started out with a credit line of {$5000.00} on a Wells Fargo Bank credit card. I used it and after paying the balance down to almost half around XX/XX/XXXX Wells Fargo reduced my credit line from to {$2400.00}. I called them to request that it be restored and was told by a representative that I had missed a payment in XX/XX/XXXX as the reason for the reduction. It was an oversight and actually the payment was about 45 days late when I paid it in full. The bank refused to restore my credit line. By the end of XXXX I paid the balance down to about {$1100.00} and on XX/XX/XXXX Wells Fargo reduced my credit line down to {$950.00}. Each time they reduced my credit line my utilization percent went up and therefore hurt my credit score. None of my other creditors have done this. 
How can a consumer be protected from this?
Product: Mortgage

I applied for HELOC and on XX/XX/2024, I received a request for information with a deadline of XX/XX/2024. I provided all the required information plus many more documents. On XX/XX/2024, I received a notice Notice of XXXX XXXX. I sent an email to XXXX XXXX XXXX and XXXX XXXX but they were not responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month ago I submitted CFPB complaint # XXXX and the response by TransUnion was useless and a complete lie. I again attempted to log into my paid credit monitoring service with TransUnion and I was still blocked. I have since contacted TU customer service and they removed the block again -- for the fifth time -- and for now I can log in. 

However, even after logging in, TU will not provide a daily update to my credit report. Every time I attempt to update my credit report via the TransUnion Credit Monitoring portal, I click on the box stating " I agree & confirm '' to the account terms and then click on " Continue ''. A small star-shaped circle revolves and it revolves for up to XXXX an hour and my credit report is never provided. 

I pay TransUnion for this service and they defraud me by not providing the service for which I paid. 

However, if I pay them an extra approximately {$30.00} each time, they will immediately provide a 3-bureau credit report. So in order to update my TransUnion credit report every day as provided under the terms of my paid credit monitoring, I am really forced to pay TransUnion {$900.00} every month since they defraud me of the ability to refresh my TransUnion report -- per the terms of my {$14.00} paid credit monitoring service -- any other way. 

When I call TransUnion customer service, I only get their overseas representatives who struggle to properly understand rudimentary English. They have given me several excuses why I am having problems ranging from connecting via a VPN to connecting via an overseas IP address. 

Since I am currently stationed overseas, it is impossible for me to NOT connect via an overseas IP address. Failing that, I would have to use a VPN. It seems that TransUnion has thrown over XXXX US service members and their dependents stationed overseas under the bus, bit still collet {$14.00} from them for paid credit monitoring.
Product: Credit reporting or other personal consumer reports

After many unsuccessful attempts at advancing XXXX XXXX Equifax credit bureau pertaining to the fraudulent trade lines reporting on my credit report. They refused to comply with FCRA 605B advising me that I am not providing sufficient proof. I have enclosed my FTC report and enclosed the Police report pertaining to the identity theft, along with my identification.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX  is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.
Product: Credit card or prepaid card

READ ATTACHED. Capital One STOLE my XX/XX/XXXX {$100.00} payment for card ending in # XXXX on XX/XX/XXXX and charged me 4months interest. 
Capital One has vandalized both my two Capital One Cards # XXXX & # XXXX since XX/XX/XXXX by not returning the interest from a dispute for charging me twice {$69.00} and XXXX more illegal billing violations as described in my attached XX/XX/XXXX letter to Capital One. 
Capital One has SEVERLY Compromised both my # XXXX & # XXXX cards and I am NOT legally liable for fraudulent Capital One compromising both my XXXX Capital One Cards. FCRA, FDCPA, XXXX XXXX AZ Consumer Fraud Act and FCBA. 
Capital One closed both cards illegally on XX/XX/XXXX. Capital One has been lacing both cards with false line entries to create interest, moving my payments back and forth to create interest and stealing my XX/XX/XXXX {$100.00} payment for # XXXX card on XX/XX/XXXX. 
Please add my claim to the new Class Action Lawsuit against Capital One. I am out {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX open XX/XX/2018 Amount XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 don't have no written premission 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX XXXX XXXXXXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number XXXX XXXXXXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect payment status for all accounts involved and attached on this letter. It is stated that this account has not satisfied the debt but you have been refusing to investigate. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. It has been 9 months and there has been no any response to my previous request to validate the debt. Invalid account numbers and asterisks dont match or corresponds to the accounts involved.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA. XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.