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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX  XXXX and 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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as XXXX XXXX XXXX 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX
Product: Credit reporting or other personal consumer reports

Experian & XXXX XXXX XXXX continue to this allege collection even though I have previously stated I have no obligation under law to pay this debt. I refuse to pay this debt and have not received any notice of my right to dispute this debt before it was added to my consumer report.
Product: Vehicle loan or lease

This account has been closed XXXX after they recovered and sold the vehicle off. A check was mailed to me settling the debt for more than I owed. I've submitted multiple complaints about this company and I am currently seeing that they have attempted to reopen my account again! This is closed and done for!
Product: Debt collection

California Business Bureau , Inc sent a validation letter with the wrong amount due. On XXXX credit agency the debt states {$960.00}, but on the letter they tried to charge me {$1300.00}. Further more, The letter did not mention that I had 30-days to respond to it nor did it give me an end date to respond by. Additionally, the letter did not provide any actual proof that I was the debtor. I have attached the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name on XX/XX/XXXX. By XX/XX/XXXX, I had changed my name on all of my credit accounts and with the Social Security Agency. By XXXX, my name was still not updated on my Experian Credit Report. I tried to dispute this in their online system but received an error that such information can not be disputed online and that I should call them to dispute. The number that I was provided led to a system of recorded messages that loop back to each other, with no possible way to reach a customer service agent. I would eventually find out that every single listed phone number for Experian leads to this same loop of recorded messages. I proceeded to send a letter to Experian about my name change, including supporting documentation. They updated my name on my credit report, but not on my online Experian account, nor in the emails that they send to me. There is no way to change this name online. On XX/XX/XXXX, I sent another letter requesting that they change my name in my online account, including my member id number and my supporting documents again. I received a response dated XX/XX/XXXX with dispute results and my full credit report, but no actual response to my letter and no change to my online account. I sent a third letter right away, this time also including printouts from my online account showing where my name was incorrect. Again, they did not make the correction. The fourth letter I sent was a duplicate of the third, with an additional handwritten note. I was admittedly very angry and the note that I sent was not kind. In response I received a postcard that they could not find my records. When I next logged into my online Experian account, my entire credit record had been erasedno account history remained at all. When I attempt to use their online dispute system, I receive an error that I can not submit a dispute due to security reasons and to call them at a toll-free number, which of course leads to the looped recordings with no way to actually handle the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion but did not get a response..They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

I filed a complaint with your agency on XXXX # XXXX and received a message on XXXX that American Express would be crediting my account for the amount disputed. 

Today, XX/XX/2021, I received a message from American Express that the charge would be placed back on my account because XXXX XXXX provided an invoice for the charge. 

I contacted American Express again and was informed that they would not credit my account for the {$30.00} charge and I had to contact XXXX XXXX. I attempted to contact XXXX XXXX  and was informed there was a XXXX hour wait to speak with someone. 

Again, this charge was for my son 's luggage, which should have been complimentary because I purchased his ticket with my American Express. We checked in at the XXXX in both XXXX and XXXX and for some reason the system did not recognize my credit card for my son 's ticket and charged me for his luggage. 

Any assistance you may be able to provide would be greatly appreciated. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was trying to get my loan forgiveness under the Biden loan forgiveness program. I have a balance of less than {$4000.00}. My loan was sold to Navient from XXXX XXXX when I owed less than {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Was never late 2XXXX Account Number : XXXX Was never late 3XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6.XXXX  & XXXX XXXX Account Number : XXXX Was never late 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: Checking or savings account

My problem with First Merchants Bank is that they do not give me receipts when I withdraw large, or any, amount of money from my checking account. Today, XX/XX/2012, I withdrew {$1900.00} from my checking account. I received an envelope with the cash in it and no receipt. This is not a new problem. On many occasions, I am offered what they call a " balance '' receipt. This does not include a record of these present transactions, it just shows my account balance. I had an issue with a credit union a few weeks back. I had deposited {$1300.00} cash into my checking there and the cashier deposited it into someone else 's account. I made a Visa payment out of that checking account after that failed deposit and I was hit with plentiful fees, fines and penalty 's! The difference here is that, I had a receipt to show the bank manager so they could rectify the problem. First Merchants will tell you that they give receipts with transactions. This is a direct lie and misinformation. Ask them to prove that they printed " ANY '' receipt for my transaction today. I don't know why they will not do it, I don't really care if they want to be green and save paper! To the local First Merchants Bank, I am considered a troublemaker for asking for receipts. I don't know why this is, they are a financial institution and receipts are their business. I have formally complained about this issue several times but nobody from the bank seems to call me or care.
Product: Vehicle loan or lease

I noticed a new auto loan pop up on my credit report that I did not approve. I contacted XXXX, which I was employed with at the time and found out that they sent in paperwork for a customers vehicle in my name. I quit, filed a police report, and ftc report within a few months of the incident. I contacted WestLake FinanciaXXXX and they were unwilling to accept all of the documents that I have submitted to them. I have been ignored by the main contact that has been assigned to investigate this matter.
Product: Credit reporting or other personal consumer reports

account name : XXXX account # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate XXXX no payment history ( transunion only ) these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting XXXX are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau imposs the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.
Product: Credit card or prepaid card

I have had several issues with this company that can only be resolved by contacting the CFPB. I have sent Grain multiple messages about not being able to use my account and never received a response. I have been on autopay with Grain for over a year. I have evidence of that. The last statement they sent, it said that I was on autopay. However, I received an email that I had a late payment. I have 50x that amount in my account, so I know it did not go through for a lack of funds. There is no way that I can sign in to pay it because the app doesn't work and there is no way to get through to customer service. I would like for the nonpayment to not be reported to my credit and for someone to contact me so that I can pay this off. 

The Grain app is a terrible app.
Product: Payday loan, title loan, personal loan, or advance loan

A person from a collection agency said he was representing the loan company and was trying to collect the funds that I owed to the lender. He supposedly falsified the information from the bank or place he was supposedly working for because I had contacted them and they had said he was a scammer and they were very familiar with the persons name. 
I was going to make XXXX payments but only made XXXX payment because he was pretty much threatening me with false information. 
All of this was done by email but no phone number at all to contact him. 
He had XXXX different places he was representing from so that is when I decided to call and make sure he was legit. 
So now my bank is investigating the situation but I did let the loan company know what was going on.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The XXXX people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.
Product: Money transfer, virtual currency, or money service

Chase Bank has unjustifiably closed my account twice. They are preventing me from doing business with XXXX. 

I opened a Chase Checking account online after being told they wouldn't open an account in person because of Covid. So I opened the account and made an initial deposit of {$700.00}. I linked this account with Coinbase to make investments. I made 4 purchases {$25.00}, {$85.00}, {$90.00} and {$100.00}. Only the first two of {$25.00} and {$85.00} were processed by Chase. Chase did not process the {$90.00} and {$100.00} purchases but XXXX did. Chase then locked my account and told me I have to go to the branch and open a new account. They closed my original new account and opened a newer account in my name. They refused to process two payments of {$90.00} and {$100.00}. They transferred a balance of {$840.00} from the first account they forced me to close. There were two deposits made on that account {$700.00} and {$250.00}. There were four purchases made from the account on XXXX totalling {$300.00}. The balance should have been {$650.00}. The balance Chase transferred was {$840.00} though because they refused to process the two payments of {$90.00} and {$100.00}.

I took my new account information and tried to link it to XXXX again. XXXX wouldn't accept the new info. I got an error message saying " you tried too many times and the account is locked. '' This was after one time linking the information. So I went to sign on to my Chase online account and I was locked out again. I called customer care again and they are saying this always happens. This is protocol. I know this is not protocol and Chase is discriminating against me. They are preventing me from doing business and making investments with XXXX. In the process they are harassing me and stressing me out. The Branch workers blame the Customer care line workers. Customer care line workers blame the Branch workers and I don't get to use my account like every other Chase customer does. Its discrimination and its a violation of my rights to make these purchases and do business in this manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted complaints XXXX and XXXX to CFPB, against TransUnion and XXXX XXXX XXXX respectively . The issue was improper use of my TransUnion credit report ( a hard inquiry ) dated XX/XX/XXXX. In its response ( dated XX/XX/XXXX ) TransUnion refused to remove the hard inquiry and referred me to XXXXXXXX XXXX XXXX instead. In its response ( dated XX/XX/XXXX ) XXXXXXXX XXXX XXXX acknowledge that there was fraud involved and stated that a request has been submitted to the consumer reporting agencies for the removal of the associated hard inquiry. XXXX XXXX XXXX also stated, Please allow up to 60 days for the update to be processed by the consumer reporting agencies and reflected on your credit bureau report. Today, XX/XX/XXXX, ( after 60 days had elapsed ), I pulled my TransUnion credit report from the annual credit report.com website. The hard inquiry was still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. US XXXX XXXX XXXX XXXX XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 Equifax
Product: Vehicle loan or lease

After reviewing my most recent credit report, TD Auto Finance has : 1 ) continues to report although they have charged off the account and has the unpaid balance reported as a loss by credit grantor. How can they continue to report.

2 ) shows that the last payment received was in XXXX, 2019 but they repossessed the car in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was apparently compromised in the Equifax hack. Now, there is no way for me to freeze my credit to prevent identity theft because their phones and their website are down. I need my credit frozen immediately.
Product: Credit card

I am filing this complaint regarding a dispute I initiated with Capital One for a {$390.00} charge from XXXX XXXX on my credit card. I canceled my services with XXXX prior to this charge and provided Capital One with proof of cancellation, including a confirmation email from XXXX, but my dispute was denied, and the charge was rebilled to my account. 

Since then, I have received correspondence from XXXX stating that the charge should be canceled. However, I am now unable to reopen the dispute with Capital One to resolve this matter. I am seeking assistance in reversing the charge and refunding the {$390.00} to my account, as XXXX has acknowledged that the charge should not have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said " they need authorization to proceed with my compliant ''. So I XXXX XXXX give permission to Experian and authorization to Experian to continue with my complaint of identity theft.
Product: Credit reporting or other personal consumer reports

Both XXXX and Ava Financial are displaying inaccurate account information on my consumer report violating CFPA, FCRA, XXXX, and FDCPA. I have disputed this account as inaccurate but they are illegally validating as accurate. Please investigate this matter.