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

I have been a Loan at Last customer since XXXX of XXXX. I have paid off loans in the past successfully. On XX/XX/XXXX of XXXX I reached out to XXXX and said she would reach out on Monday to discuss options. So on Monday Morning of XX/XX/XXXX I reached out and spoke to XXXX and she put me on a payment plan of XXXX bi weekly payments of {$75.00} On XX/XX/XXXX I reached out and spoke to an agent named XXXX to revoke the ACH to pay manually. I made a payment on XX/XX/XXXX. In total I have made XXXX payments of {$75.00}. I am currently struggling to make ends meet and I would like to settle for what I have paid and close the loan and I have been a previous customer before. I am on a fixed income and I'm barely getting by and I have financial obligations I have to meet. I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) -ACCT # XXXX AMOUNT {$250.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX ( XXXX XXXX XXXX  -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX ) -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXXXXXX XXXX XXXX -ACCT XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a snippet of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you.
Product: Mortgage

My loan was transferred to Freedom Mortgage starting on XX/XX/2016. I had sent a payment to the wrong company XX/XX/XXXX, and talked to XXXX different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the XXXX payment to the new provider ( XX/XX/2016 ). I am also unable to pay the amount without the late fee, unless I call in, in which they charge me a {$15.00} convenience fee! I have my previous conversation with the customer service rep recorded, where she agrees that I am right about the fees, and also promising that it will be removed from the next statement.
Product: Debt collection

I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.
Product: Debt collection

To whom it may concern this complaint is in regards to XXXX XXXX reporting to my credit file for acct # XXXX. I have never received an initial letter allowing me to dispute this account and its inaccuracies pertaining to me supposedly owing this dept. Upon doing further research I discovered that XXXX XXXX is NOT bonded in the State Of California with Californias Secretary of State to attempt to collect debts on behalf of any creditor. It is illegal to do so if you are not bonded in this state. I am requesting that said items be deleted from my XXXX XXXX, and XXXX credit files immediately sice you have no authorization to do bussiness or operate in the state of California.
Product: Credit card

Hello, I have contacted all three nonaffiliated third parties on ( XX/XX/XXXX - XX/XX/XXXX ) ( XXXX, XXXX, XXXX. ) I requested them not to report my Credit Usage ( Transaction History ) on my credit report due to the Privacy Act of XXXX and no action was taken. I also contacted the Credit Card company ( Capital One ) on ( XX/XX/XXXX ) and I requested to opt out of Capital One reporting my Transaction History ( Credit Usage ) on both my credit cards ( QUICK SILVER AND PLATINUM ) to any nonaffiliated third parties. Due to 15 United State Code 6802 ( b ), Opt out ) ( 1 ), In General ) and 16 Code of Federal Regulations 313.1 ( Purpose and Scope ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. As I requested in the proper manor None of these were fulfilled. My Credit Usage ( Transaction History ) is still being reported on my credit report after I requested to Opt out.
Product: Debt collection

National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw late payments appearing and I am not sure where they came from. I demanded an investigation of these late payments thru the bureaus but have not received any response. Below is the account appearing ; XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have a account with Coinbase and a account with Coinbase wallet I bought a coin called XXXX which I put almost {$1500.00} in and the coin went up to over {$6.00} XXXX dollars in XXXX XXXX XXXX and when I tried to cash out that day I would not let me I dont know if its a scam coin or not but that not fair I called Coinbase and Coinbase wallet on XXXX XXXX XXXX  and they kept on hanging up on me or transferring my call I got proof that the coin went up to over {$6.00} XXXX dollars that day it kept saying my account was locked that day and after the coin dropped all the way down thats when they unlocked my account
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting or other personal consumer reports

RE Account NumberXXXX XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Checking or savings account

I have never been able to access the statements online. When I call they tell me that the case will be transferred to the tech team. Nothing every gets fixed. I called today XXXX and the rep hung up on me. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account name XXXX  XXXX  is reporting a repossession that is incorrect. This information was challenged a little over a year ago. This account was dispute because it could not be verified. My ex wife filed bankruptcy in 2015 and put the joint account on a payment plan. This resulted in the unverified information to appear back on my report. I resubmitted a re-investigation for thid account again. 2 credit bureuas XXXX and XXXX  deleted the item but transunion will not budge. I have called transunuon, sent letters and have given the creditor 2 months to verify the information and still it comes back unverified by transunion will not remove the account. Federal law states that if any information is to be re-inserted back on the consumers credir report the credit bureuas have to notify the consumer within 5 days. This was not done. I am requesting this inaccurate information be deleted as soon as possible due to a violation of the FCRA section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

XXXX - XXXX - XX/XX/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 In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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

Bill not received by Macy 's and phone information they had was incorrect and never heard of. Received notice in mail immediately called. Never had a late payment and did not once contact or receive bill from them. They had no compassion even though a good customer. I purchased item for XXXX they charged late fee of over {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want XXXX to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments.

Really appreciate the help.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX and Transunion regarding their reporting of closed accounts on my credit report. These accounts no longer benefit my credit profile and are unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and relevance of the information reported. The inclusion of these closed accounts, which are outdated and no longer relevant, this violates the requirements. Additionally, Section 1681c outlines specific guidelines for the exclusion of obsolete or outdated information from credit reports, which XXXX and Transunion are not adhering in this instance. 

Despite my attempts to resolve this issue with XXXX and Transunion, the closed accounts remain on my report without justification. 

This reporting has negatively impacted my ability to secure loans and improve my credit score. I respectfully request that your office investigate this matter to ensure that XXXX and Transunion comply with the FCRA by removing these accounts because they are inaccurate, obsolete, or unhelpful to my credit profile. 

Thank you for your time and assistance in this matter. 

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

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Product: Mortgage

We applied for a mortgage with 21st. mortgage and they would only give us a term on 18 years. And when I asked why, the man said because of your husbands age. He is XXXX years old. I work at a XXXX and we have compliance training every year and to me that is age discrimination. I have heard from our builder that they have had this trouble with them before. I just think someone should hear about this. When I asked the man to put that statement in writing he stopped talking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, MONEYLION fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with MONEYLION but with the FTC and the police. I submitted all documentation to both the credit bureaus and to MONEYLION but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Erroneous data that they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
Product: Debt collection

My wife and my new home mortgage was denied due to a false claim by XXXX XXXX Hospital ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX, CO XXXX for {$4000.00}. I have never had any services performed at this hospital. XXXX XXXX neglected to properly identify the person that they provided services to, and then filed a claim using my Name and SSN number. XXXX XXXX never contacted me and turned the debt over to BC Services for collection. When I asked for information regarding the services performed and details of personal information, I was denied. They would collect all my personal information such birthday, SSN, Name, address, etc. and won't tell me what matched and what didn't match. So, I didn't have any details from them to dispute. These calls went on for weeks with XXXX XXXX XXXX, BC Service and us. Finally, BC Services told me I could file a fraud police report send them a copy along with picture of my driver 's license, and they would consider 'deleting ' their claim against me within 72 hours ( 3 days ). I filed the police report on XX/XX/2020, and submit the information early on XX/XX/2020. Its been over 6 days with no response. I will continue to reach out to them.