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

I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

XXXX  is incorrectly reporting me as an Authorized User on Chase card ending in account # XXXX. I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX  and XXXX have removed this from my report but XXXX  has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I began receiving harassing phone calls on the XXXX of XXXX. The company, Asset Recovery Associates, said that I owed a credit card debt from 92. I did not have any credit cards in 92. I was in fact homeless. The address they gave was a family member. When I tried to explain this to the man he screamed at me and threatened litigation. I talked to him for awhile. He offered to cut the debt by XXXX. He began to double talk. I ended the call making him think I would pay.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint to DISCOVER BANK for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Debt collection

CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.
Product: Student loan

My XXXX grant was unfairly converted into a loan, even though I am still a XXXX XXXX in a low-income XXXX and sent in all of my proper paperwork/certification of XXXX. 

On XX/XX/XXXX and XX/XX/XXXX an email went to my junk folder with the subject, " A new message is waiting for you to view. '' I received no other communication that requested my verification of XXXX. 

On XX/XX/XXXX I received an email updating my on the status of my grant that converted into a loan. I sent in my signed verification forms, and on XX/XX/XXXX I received an email stating that my form was received. I sent the form again because my account still showed my grant as a loan, and on XX/XX/XXXX I received an email confirming that my form was received. 

On XX/XX/XXXX I emailed asking why my grant was in repayment, despite sending in the proper forms. On XX/XX/XXXX I received a response that my XXXX  grant converted into a loan after I failed to send my certification to their due date, and it can not be converted back in to a grant. 

On XX/XX/XXXX I began paying the " XXXX Loan '' even though I am teaching science in a low-income school as per the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}
Product: Money transfer, virtual currency, or money service

I purchased a 2 money orders amounting to {$4100.00} from PLS CHECK CASHERS XX/XX/XXXX WITHIN 20 MINS OF PURCHASE I RETURNED TO THE LOCATION PAYED ADDITIONAL {$30.00} TO STOP PAYMENT TO THE MONEY ORDERS THE LOCATION MANAGER MADE A ERROR WHILE SUBMITTING THE STOP PAYMENT AND PLACED A HOLD INSTEAD OF THE STOP PAYMENT AS REQUESTED WHICH THE HOLD WAS THEN LIFTED 7 DAYS LATER WITHOUT MY KNOWLEDGE AND ALLOWED THE MONEY ORDERS TO STILL BE CASHED WITHOUT MY CONSENT I WAS TOLD I WOULD RECEIVE MY REFUND WITHIN 30 DAYS VIA MAIL ITS NOW 5 MONTHS LATER AND PLS CHECK CASHERS HAS NOT RETURNED MY FUNDS NOR HAS GIVEN ME ANY OTHER OPTIONS TO RECOVER MY FUNDS THEY WONT COMMUNICATE RETURN EMAILS CALLS I WOULD LIKE ASSISTANCE RECOVERING MY FUNDS MY FAMILY IS FACING A FINANCIAL HARDSHIP AND CURRENTLY IN THE STAGE OF BEING XXXX
Product: Money transfer, virtual currency, or money service

Citibank accepted a large cashier 's check into their customers acct with no signature. Citibank was made aware that the XXXX cashier 's check that was deposited was scammed from me. My bank got back XXXX from citibank from the acct it was deposited into and my bank ( XXXX ) is closing the claim. I as an individual would like to go after citibank for the balance that was not recovered. They made a deposit of this cashier 's check without the proper identifiers to do so.
Product: Checking or savings account

On XX/XX/2023 there were 32 unauthorized transactions made on my account totalling {$1600.00}. To date 2 of the unauthorized transactions have been approved and refunded totalling {$40.00}. However the other 30 transactions which occurred at the same time as the others have all been rejected. The merchant was also immediately contacted about the unauthorized transactions. Conveniently Chime has declined resolving my dispute the day prior to when they stated the temporary money would be placed back into my account until completely resolved. Chime as well as the merchant were both notified immediately of the unauthorized transactions and as stated 2 have been approved and resolved as they should have been. All transactions happened at the same time however now they are saying that only 2 were wrong. ALL 32 TRANSACTIONS WERE UNAUTHORIZED AND SHOULD HAVE BEEN RRFUNDED.
Product: Vehicle loan or lease

I am writing to file a complaint regarding issues I encountered with my car loan please note my extended warranty XXXX is included in overall car loan. Also the issues included the repair service provided by XXXX XXXXXXXX XXXX XXXXXXXX. The repair process has caused significant financial hardship, and I believe that both the dealership and the warranty provider have failed to uphold their obligations. 

Here is a summary of the situation : 1. Engine Replacement Issue : I took my car to XXXX XXXXXXXX XXXX XXXXXXXX for service, where it was determined that an engine replacement was necessary. I utilized my XXXX extended warranty to cover the repair costs. 
According to the agreement, XXXX was confused if they were installing a new or used engine. 
XXXX informed me they were installing a engine with XXXX miles However, without my knowledge or consent, XXXX XXXX installed a different engine with over XXXX miles, violating the terms of the warranty and my agreement. 
Additionally, XXXX failed to investigate the situation further, because I had reached my limit of liability. 
XXXX XXXX Failure to Investigate : After I reached my liability limit, XXXX did not make the necessary inquiries or assist in resolving the issue, even though they were aware of the situation. 
They failed to investigate whether the engine replacement was handled correctly or whether the terms of the warranty were properly followed by XXXX XXXX. 
XXXX did not intervene to ensure that I was not left with a faulty and unauthorized engine, nor did they assist in covering the additional repair costs. 
3. Financial Impact and Current Situation : This unauthorized engine replacement, along with XXXX failure to investigate or provide proper assistance, has placed me in a difficult financial situation. I am now behind on my car payments because of the unexpected repair costs and the ongoing mechanical issues with the car. 
My check engine light has come on, and I am still facing problems with the vehicle, which has further delayed my ability to catch up on car payments and has exacerbated my financial hardship. 

The actions ( and inactions ) of XXXX XXXX and XXXX have caused undue stress and financial strain. Not only did I receive an unauthorized engine that did not meet the terms of my warranty, but XXXX failed to assist or investigate the matter becauseI reached my liability limit. 

I am requesting your help in investigating this issue and ensuring that both the repair process and my warranty coverage are properly addressed. I would like to seek reimbursement or coverage for the additional costs incurred due to the unauthorized engine replacement and to address the financial difficulties caused by the situation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : GM FINANCIAL XXXX contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records.
Product: Credit card or prepaid card

I am not sure why this letter came because I was never late on this account by 30 days. This seems like a rather harsh letter that BBVA Compass sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and transunion but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account
Product: Debt collection

In approximately XX/XX/XXXX I discovered a collections record on my credit report. I contacted the debt collection agency, it was quickly established that the debt was not mine. After many calls, they advised they had removed the debt. I advised it was still on my credit report, they advised it hadnt refreshed. 

As of XX/XX/XXXX, the debt ( which isnt mine ) is still on my credit report. Ive never missed a payment in my life, but now my credit is tanked. They should be punished. 

The debt collector is rmp services llc
Product: Debt collection

Occured in XXXX of 2017. XXXX  continued to charge me for an account from XXXX XXXX  that I had settled. I have sent copies of conversations I had with their Reps to their Debt Department that acknowledged that I had paid the early termination fees. Within 2 months the collections came off my report only to have it now come back on. I did that last year and it was off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, XXXX   and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like to file identity theft address id : XXXX address id : XXXX address id : XXXX address id : XXXX address id : XXXX report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine COLLECTIONS XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting

I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently reviewed my consumer report and noticed that two late payments were reported on my account ( XXXX XXXX ). However, I have never been late on this account. 

As you know, consumer reporting agencies play a crucial role in ensuring that the information they provide is accurate. I take my credit history seriously, and I believe this is a mistake that needs to be corrected. 

I kindly request an investigation into these reported late payments. Please provide proof, including statements showing the specific dates these payments were allegedly late. If no such proof exists, I ask that these records be updated to reflect on-time payments, as they should be. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

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

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX XXXX I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment XXXX ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment 2a ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into XXXX and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment XXXX. 

XX/XX/XXXX - I get a home under contract ( Attachment XXXX ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a XXXX account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and Equifax but only one dispute each. 

XX/XX/XXXX - XXXX VA mortgage application is declined ( Attachment XXXX ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. XXXX the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX. XXXX