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

Someone has done inquiries on a couple of my credit cards and opened accounts for 2 credit lines. I have called both companies and closed the accounts here is the information that I have for both accounts : Commodity CapitalXXXX XXXX * they did an inquiry on XX/XX/23 and XX/XX/23 and opened an account on XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

XXXX XXXX XXXX XXXX *they did several inquires on XX/XX/23, and XX/XX/23 and opened an account on XX/XX/23 and XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

I also closed my old email account and have a new email account. 

I am not sure what the next step is.. but if you can help clean my credit report what would be so appreciated.
Product: Mortgage

I requested a payoff letter from my mortgage servicer - the payoff letter received was dated XX/XX/2022 and good through XX/XX/2022. An outgoing wire was sent to the servicer on XX/XX/2022 at which time the wire was then returned to my attorney 's office on XX/XX/2022 as short funds. 

I then requested an updated payoff good to XX/XX/2022 - a wire was sent to the servicer once again to pay the loan off in full in which I was told the payoff was still short as yet another advance was made on my loan. I requested an additional payoff letter and was told I was not authorized to do so that I would have to go online to obtain and submit authorization on my own account. As I explained I do not have internet access and had to call to get the payoff I was directed to a supervisor and had to leave a message. I am merely trying to payoff my loan in full, but it is costing me XXXX upon XXXX of dollars.
Product: Credit card

I purchases clothing items from XXXX on XX/XX/2017 and after receiving the items I noticed that they did not come from XXXX but a third party. After examining the items, a couple of the items were damaged and the others were of very low quality. I contacted the company by email and requested that the items be returned. All I can get from the company is a run a round and that they will issue me partial refund and I can keep the items. This is not acceptable since the refund is about 1/3 of the cost of the items. The last contact with the company was XX/XX/2017 and still they are insisting on partial refund of the items.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX Balance : {$23000.00}.
Product: Vehicle loan or lease

My wife applied for a car loan from XXXX XXXX XXXX and needed a co-signer which I agreed to do. However, the dealer put this loan in my name which I did not authorize. I didn't sign anything and wasn't even present during this deal. The car they sold us was a lemon which explains why they were trying to rush this through. 

The loan, which started on XX/XX/XXXX, is through Credit Acceptance. They and the dealer have acknowledged that this is  an illegal loan and told me to return the car to the dealership which i did on XX/XX/XXXX. The dealer has since relisted the car. I contacted Credit Acceptance multiple times to get this illegal loan out of my name and they are telling me they can't until the dealer releases the loan. Why does a bank, who's financing this, need to wait dealer to terminate the loan? And if this loan is still technically in my name, how is it that XXXX XXXX XXXX has it relisted for sale?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to this company and Experian to clear this up and neither one has returned my correspondence. I even sent it registered mail and have not got a returned response of what I am requesting so I am doing it here.
Product: Money transfer, virtual currency, or money service

Hi, Basically I am an XXXXXXXX XXXX XXXX Now I am starting my own website. After that I planned to make fund raising XXXX in my website. But all payment platforms asking paypal account. That's why I had open paypal 3 days before. But after adding my Bank & card personal details to complete all process. 

Suddenly I got message like ( You can no longer to use paypal. Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for XXXX days, after which well send you an email with instructions about withdrawing your funds. ) Just Think about it, I am not doing anything. I am not send or receive any illegal money tranfer. Then why they doing like this, I don't know. After 2 days I had tried hardly to speak & message with paypal support team. But there is no response. 

Finally I am planning to delete my bank details & create new account. But they are not allowed to access our own personal setting details. How they can hold our details without our permission. 

Reference ID : XXXX Paypal username - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts was still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i. The following accounts listed below are still reporting on my Credit Reports and need to be corrected in my file immediately : XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00}
Product: Payday loan, title loan, or personal loan

I have a loan through LoanPal for solar panels. The original loan was for {$36000.00}. The first statement was XX/XX/XXXX. The interest rate is a fixed rate of 3.99 %. I have noticed a wide variability with the monthly interest charged to me while I pay the loan down. Some months the amount of interest increases while I make significant payments to the principal. For instance, my XX/XX/XXXX statement showed and outstanding principal balance of {$27000.00}. The interest charged on that statement was {$88.00}. For XX/XX/XXXX, my principal loan balance was {$27000.00}. The interest charged was {$86.00}. In XX/XX/XXXX, my outstanding principal balance was {$26000.00}. The amount of interest I was charged was {$110.00}. The slight decrease from XX/XX/XXXX to XX/XX/XXXX would make sense with a fixed rate loan. The jump of over {$30.00} in interest from XX/XX/XXXX to XX/XX/XXXX despite paying over {$1800.00} towards the principal the previous two months does not. I will attach all statements that I have available to me along with my complaint. I tried emailing the companys customer service department on Monday XX/XX/XXXX, and I didnt receive a reply. Today ( XX/XX/XXXX ) I spent nearly 20 minutes on the phone this morning with the LoanPal customer service department. They assured me my loan is a fixed rate, and the amount of interest I pay should decrease as I pay more down on the principal. They were unable to answer me why the interest charged increases some months despite me paying down the principal. Their customer service representative encouraged me to get in contact with an accountant. I am filing this complaint after speaking with someone over the phone at your agency. I am concerned that LoanPal is utilizing shady lending practices, and would like some follow-up done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. Nissan Motor Acceptance Company as well as XXXX, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXXs or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX  are in violation of 15 USC 1681 ( b ) and must remove the account.
Product: Credit reporting or other personal consumer reports

CHRYSLER CAPITAL Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.C.S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Bank account or service

An impostor faked to a company that fixed my computer remotely. He told me that I was overcharged and that the company moved to XXXX. He wanted to send me a refund into my check card but the security chip on it hampered the move. He asked for my account number to wire the money and I did. I wired {$900.00} instead of XXXX I had paid to the company ( XXXX computer repairs ). He called me to say that he send {$900.00} into my account and that I could send in {$500.00}. I went to Western Union XXXX and sent it. ( Tracking number XXXX. 
Sender -- -XXXX . XXXX XXXX of transaction XXXX Receiver XXXX XXXX Pay out Location -- Western Union XXXX XXXX fees {$14.00} XXXX ) I will like western Union to regain and refund my money. They should verify this impostor and call XXXX law on him. I was excited to get back some holiday money but instead got exacted.
Product: Student loan

My student loans are in forebearance until 2040, but I want to remove it so I can make payments towards public service loan forgiveness. I have made many requests over the past two months that they remove the forebearance, but they never do. I have missed two payments towards PSLF now. They told me over the phone that they will remove it but they never did. They ignore my electronic communications.
Product: Credit reporting or other personal consumer reports

I observed my credit report and identified inaccurate accounts that require reporting and correction through your company. 
Kindly review and investigate the accounts that are not entirely accurate. I request the removal of all
Product: Credit reporting or other personal consumer reports

FCRA 605B might be the one that says we should take out any wrong accounts from my credit report. Could you check the papers, please? Some accounts listed have wrong reporting, including amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion. Pursuant to 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ), I am disputing the reinsertion of the following accounts on my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX had previously disputed these accounts with TransUnion, and they were removed from my credit report as a result of the investigations. However, to my surprise, these accounts have been reinserted without proper validation, thereby violating the FCRA. 
The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of the information they report. Specifically, 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ) states that reinsertion of previously deleted information is only permissible if the furnisher certifies that the information is complete and accurate. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. 
I

kindly request the following actions : 1. Confirm whether TransUnion violated 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ) by reinserting the accounts without proper certification of accuracy from the furnisher. 2. If violations are confirmed, take appropriate enforcement actions against TransUnion. 
3. Ensure the prompt removal of the disputed accounts from my credit report. 
4. Provide me with written confirmation of the resolution and any actions taken. 

I appreciate your prompt attention to this matter and the protection of consumers ' rights under the FCRA. Please do not hesitate to contact me if additional information is required. 
Thank you for your assistance in resolving this issue.
Product: Debt collection

I cosigned for a vehicle for my ex husband and he let the car get repossessed, ive tried to contact the company at XXXX point in time in 2023 XXXX and get this resolved and removed off my credit file, the agent i spoke to said if i made a payment they would send the deletion letter thru email within a few hours and i made the payment of {$250.00} and all they did was show a payment made they never removed it from my credit file. when i tried again to reach out to them about it they stated i was fully responsible since i did make a payment. Its not my vehicle it was my exhusbands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card

My chase credit cards were closed. I always paid on time never missed any payments. Im still paying on time envelope tho my accounts are closed. Is this even legal?
Product: Vehicle loan or lease

To whom it may concern, I voluntarily surrendered my vehicle in 2018 due to the change in my XXXX XXXX and could no longer work due to XXXX XXXX I returned the car to Auto Trakk , LLC. in excellent condition as received. After reviewing my credit report, they have listed this account as derogatory on my credit report for a balance of {$5500.00}. 

I never received a Letter of Deficiency stating that I owed any additional balance. I have request them to please send me paperwork copies of proceeds from the sale of the vehicle in question and any documents relevant to remaining balance stated owed and/or if the balance have been written off please provide tax year and amount it was written off as bad debt. 

They are continuing to update the credit bureaus monthly after XXXX years to date, I find this disturbing. I advised Auto Trakk LLC., that if they cant provide me with the requested document, I request that they contact all 3 Credit bureaus to have this account deleted from my credit file within 7-10 days. I have sent them XXXX certified letters by mail requesting this information and I keep getting stall tactic letters stating in order to confirm your company information and to research this matter that I need to send them my last 4 digits of my social security number, address and phone number. I advised them they would and/or should already have this information otherwise they wouldnt have been able to responds to my request nor send me an email requesting payment. My certified letters had everything needed in order to research my request. their reply letter s nothing but a stall tactic. I have given Auto Traxx, LLC. adequate information to research my issue.
Product: Credit card or prepaid card

Discover Credit Card On XX/XX/2019, I had called to verify that there had not been any issues with my Discover Credit Card as there has been a slew of credit cards being stolen from our mail box. Called a Discover Card rep and was told there was no issues and they would send me a new card just in case. 

XX/XX/2019 called to activate new card and was told the account was closed by " me '' on XX/XX/XXXX when I was just told the previous day I had no issues. 

How can a company allow for someone to provide no information to verify them being the owner of the account and request the account be closed? There is no accountability with them as they said they can not do anything to reinstate my account.
Product: Money transfer, virtual currency, or money service

y name is XXXX XXXX XXXX.I am XXXX citizen, password XXXX XXXX. I am here visiting USA us a tourist visa XXXX.I opened a check in account in Citi Bank ( # XXXX ). Then l opened a check in account in XXXX ( my account numbers I is XXXX ). Can you help me please to resolve my problem which is started : XXXX XXXX, 2019 I transfered {$16000.00} from my Citi Bank account to : Wire funds to XXXX XXXX XXXX XXXX, NY, Routing number XXXX, for credit to XXXX XXXX XXXX XXXX, account number XXXX, for the benefit of XXXX, Adress XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, SWIFT code XXXX. 
That account number in XXXX XXXX  is for XXXX XXXX, brokers company. 
During the transaction Citi Bank made two mistakes : 1. The first was the wrong account number, which was XXXX instead of XXXX. The following day, XXXX XXXX l went to XXXX XXXX  office. y account did not receive the electronic transfer from Citi Bank. Returned to Citi Bank and show them that the account was wrong. One of the employee s said the mistake was corrected and the funds transfered again. 
XX/XX/2019 went to brokers company XXXX XXXX office and my account did not show the transfer. gain returned to Citi bank to show them the incorrect spelling of my name. hey wrote XXXX instead of XXXX. 
XX/XX/2019 checked account in XXXX, only to find find no transfer received. Returned to Citi Bank and the employee stated that it will be resolved withim 2-10 business days. 
XX/XX/2019 returned and to Citi Bank because account did not show the transfer. 
Asked Citi Bank employee to assist with the transfer because I have only {$1000.00} with to live.I was told it will take another 5 business days to correct the mistake. 
XX/XX/2019 there are no fund in my money. It has been at least 10 days already. Your assistance is greatly appricated. 
XXXX XXXX XXXX
Product: Debt collection

A debt of {$770.00} from a Funding Company Was posted on My Credit Score XX/XX/23 That I Have No Knowledge of and now its closed out
Product: Credit reporting or other personal consumer reports

Improper use of my credit report I did not give a written consent to put things on my credit report by law 15 U.S.code 1602p XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Mitchell D. Bluhm & Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Mitchell D. Bluhm & Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Mitchell D. Bluhm & Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Mitchell D. Bluhm & Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Payday loan, title loan, or personal loan

I recently was made aware of the following after I pulled my credit reports XX/XX/XXXX and realized I had identity theft again I reported it to all credit reporting agencies on XX/XX/XXXX And prior in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After researching to identify my thieves I received some documents from the city. Of XXXX XXXX XXXX clerk XXXX XXXX from the deeds and it had recorded the following loans paid off in XXXX Jpmorgan chase Manhatten loan for XXXX And two loans paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX XXXX And a second loan paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE these loans I have requested certified copies of all of these loans and transaction info Where and who received these loan monies dates Name of their bank The deed to this property was transferred to me in XX/XX/XXXX- via divorce settlement. 
No response from Jpmorgan chase Manhatten Also I believe that there were additional loans thru Jpmorgan chase. Without my consent On my properties at XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.