23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information that appears on my credit report. According to my recent review of my credit file, I have identified an error that I request be corrected immediately per the Fair Credit Reporting Act ( FCRA ). 

The following account contains inaccurate information : Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number XXXX Reported Balance : {$32000.00} Inaccuracy : The last reported date on this account varies between TransUnion and Experian. Additionally, the date last active and charge-off reporting details do not align between the credit bureaus. Specifically, TransUnion reports the last active date as XX/XX/year>, while Experian reports a different date. Furthermore, the payment history recorded in Experian shows inconsistencies where months previously marked " OK '' later appear as late payments without explanation. 

These inconsistencies are materially inaccurate and may be negatively impacting my creditworthiness. I request that this information be verified with the creditor or removed entirely if it can not be substantiated. 

Please investigate this matter and provide me with the results of your investigation. If you require additional information from me, please let me know as soon as possible. 

I appreciate your prompt attention to this matter and expect a response within the 30-day time frame as required by law.
Product: Payday loan

Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD REQUEST TO GET A IMPROPER NAME DELETED FROM MY NAME LISTING, ALSO 3 UNAUTHORIZED INQUIRIES AND 1 ACCOUNT THE IS PAID OFF AND SUPOSED TO BE DLETED ALSO A COLLECTION ACCOUNT THAT IS NOT MINE AND THE COMPANY AGREES IT IS NOT ME. SEE LETTER ENCLOSED
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX XXXX claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX  the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple DOFD, which is inaccurate since the date of first delinquency was listed as XXXX of XXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I checked my # XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ). Treatment of inaccurate or unverifiable information in general, after any reinvestigation of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. 15 USC 1681 ( s ) states they not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. I request that these accounts be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 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 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 card or prepaid card

Amazon refuses to return money on Amazon Credit card as agreed. Because of misleading promises, of rewards, reimbursement of Money of not satisfied I a purchased Bed The product is known as the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for {$470.00}. delivered on XXXX. I called Amazon on XXXX, I needed to return the item as all the parts for the bed did not come and only half the bed, was delivered. At Amazon Rep direction was their policy was for me to return to bed, I would receive a full refund because it was purchased on Amazon credit card. I then could reorder the bed and get the product I wanted. The reimbursement policy was it would take 2-7 upon Amazon acknowledgement of receipt of return bed to receive the full reimbursement. After 7 days on XX/XX/XXXX I did not receive any refund, I called Amazon again and the Rep. then said it might take another 7 days or 14 days because the issue went to a special department. After 14 days on XX/XX/XXXX I called Amazon after not receiving a refund again and they told me it would now take up to additional 30 days and I might not get the money back as promised. This was misleading. I did not get the product or my money reimbursed. I just want the Product or the return it the money under my Amazon credit card as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$3300.00} The account was added to my account but I have not knowledge of the original creditor. I also never agreed to pay for a debt to a collections agency. I have disputed the collections account through each of the credit bureaus. I also mailed a letter to the actual collections company requesting varification showing where I had agreed to any accounts with them where I would make payments. The Company has not responded to any of my disputes or the letters I mailed out. This account is reflecting negatively on my credit report and making my debt level higher that it should be.
Product: Checking or savings account

I am writing to express my dissatisfaction and concern regarding the recent overdraft fees charged to my account. I have been a loyal customer for XXXX, and I believe the fees imposed are unjust and burdensome. 


I understand that overdraft fees are a standard practice, but I believe that the number and amount of fees charged in this instance are excessive. As a valued customer, I request a thorough review of my account history, and I urge the bank to reconsider these fees. 

I appreciate your prompt attention to this matter and hope for a fair resolution that aligns with the long-standing relationship I have maintained with Wells Fargo XXXX I look forward to a timely response and a positive resolution to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was made aware of a XXXX XXXX  account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy when I lost my home and I was told my student loans were not included. I am now aware that my student loans should have been considered in my discharged amount of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an account on my credit report that does not belong to me. I tried to dispute this information several times with Equifax on line, by phone and mail. Every avenue failed. The account in question is as follows. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$0.00} Type of Account : Revolving Credit Limit : {$2500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 23 Creditor Classification : Activity Description : Paid and Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I submitted and trusted XXXX protection plan by good faith to assist in repairing my credit or Positive Credit Builder as they may call it. My personal information was exploited and am effected in a negative way by resulting in more inaccurate non verified information for the accuracy on my name and report. This company was paid and I recieved nothing as guaranteed. The company submitted Inaccurate information with my name and social security. I have never recieved any credit updates, only more negative items on my credit. As a result have suffered financial hardship, theft, and fear of the privacy and good will for what represents me which is now falsely added making me look horrible as a human being. XXXX I filled identity theft and was not protected nor notified by any agency or reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

found these inquires on my credit report i did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

has violated my rights. Or a 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: Debt collection

The Company started repeatedly calling me and not leaving a message I was in a business meeting and was unable to answer. Once I was free to talk I called the company back. I spoke with a lady that was very rude and kept changing her story and would not give me straight answers. Each time I would ask question she would get upset and interrupt me while in conversation. I asked her if I could set up payment arrangements and she said yes but it would still count against my credit if I did not pay in full by XX/XX/XXXX Think that was date. I asked for a detailed description and told her I wanted to dispute it. She told me that I could not dispute it because it was medical bills that if I wanted to dispute it I should take that up with my insurance company. <P/>I was trying to ask question to understand what my options were and what was going on and get clarification on the debt. When I would question what she said because it contradicted what she had already told me she got angry and She hung up on me. <P/>I called back and asked for a supervisor I was told she was the only Supervisor working on that Friday. I explained to her what had happened and how the girl told me that I was not allowed to dispute the charges and she told me that I should have received a bill and an explanation of benefits and she told me I had nothing I could dispute. That I needed to pay it or it would be reported to the credit agency. She also told me there were more accounts that letters were sent out on and that I should get those paid. I asked for details on those and ask if they could give me some more time until I received the documentation and had time to review it. She said that they could do it but she did not feel like she should. When I questioned her on the policy she got upset and threaten to hang up. I told her I would call back and ask for someone hire up and she told me that I would not get anyone above her. She also said if I kept calling back she would block my number. I asked her how I could call in and make a payment if she blocked me. She just hung up on me. <P/>I called her back and left a message to make a payment and she would not call me back. Not sure how it is ok for them to call me over and over again but I cant call and get any answers. <P/>I also called them on XXXX-17 to ask why after i paid my bill keeps going up rather than down and asked for a detailed accounting online that i could look at as my accounts should not be combined with others. they told me that they use that website for payment purposes only. I told them that i needed the ability to see online or in writing somewhere what the charges are for she told me that there was no place and that i could not keep accounts separate. If the charges are for different people they may need to be paid separately out of different accounts i asked to have them link especially since they are not tied to the same SS #
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has failed hundreds of times to proof this account they are reporting on my XXXX  report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
Product: Debt collection

My brother in law called me today about a concern he had ; I am an attorney. A " law firm '' called XXXXXXXX XXXX XXXXXXXX reached out to him saying that they had sent him a notice in XX/XX/year> with a response deadline of XX/XX/year>. Brother in law had a credit card debt over 10 years ago which he resolved directly with the credit card company. No issues/notices for XXXX years. Then this law firm called him yesterday or today saying that he needed to settle the outstanding debt by paying {$2000.00} ( through a credit card or debit card payment ) or they would file a lawsuit against him. They knew personal information about him, but were also very legitimate sounding and forceful. 

So I asked my brother in law for more information, and he sent me a website link. It appears that the website was registered over a month ago on XX/XX/year>, but the website ( XXXX XXXX XXXX ) says that they have over 30 years of experience. 

I searched all of the state corporate sites for the states that are listed on the website, and " XXXXXXXX XXXX XXXXXXXX '' is not registered in any of them. 

I called XXXX ( the phone number listed on their " contact us '' page ) XXXX times, and spoke to XXXX separate people. 

On the first call, a woman answered and told me that she could talk about my brother in law 's case if I provided a case number. 

On the second call, a man answered, and when I asked him to give me more information on where they are incorporated/registered, he put me on hold and then the call disconnected after XXXX minutes. 

On the third call, a different man answered. I asked him to please provide me with more information and an attorney 's name/state bar registration number. He then said that he wanted to verify some information with me so he could send me that information. Unprompted, he then read out my entire social security number ( which I absolutely had not provided to him ). I escalated my frustration and bewilderment, and started arguing with him. Without me providing any of this information, he then said my name, and very calmly and smugly said " How's [ my deceased father 's name ] doing? How's [ my mother 's name ] doing? How's [ my sister 's name ] doing? He then went on to say where I lived, and commented on my home address, remarking " Wow, [ my name ], you must be proud of yourself that you still live in an apartment at your age. '' I then scolded him on scamming people. The phone call lasted roughly XXXX minutes, but he then hung up on me.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX never took a pay day loan it was about 3 to 5 years ago ... I never even had a checking account at the time at fifth third bank ... first of all my social security was in correct at it wasn't my bank account that they said it was ..I did not have bank account ..or even ..they called me saying they where bill collection that i own on a credit card ..they threat me ..I called the police which was XXXX Il police department ..They told not to worry about ..they told me if i had any more threats to give them a call ... they talk to my husband ... By the way I have an identity theft alert on my all three credit bureaus ... 
So i really dont know anything about this loan ..look up my name i never had an bank account at fifth third bank ..
Product: Mortgage

This complaint is in reply to a previous complaint # XXXX. Much of the reply from Citi was not true. I have the emails and letters I received from Citi. Citi said I did not send all documents requested. I have always returned all documents they requested. I have never taken a month to return documents. They are usually returned within a couple of days and not more than a week .I spoke with XXXX XXXX in early XXXX and I received an email from her on XXXX XXXX. If the underwriter reviewed my file on XXXX XXXX and found documents were missing why were n't these documents mentioned in the email I received from XXXX XXXX on XXXX XXXX when she told me the file was still on the underwriter 's desk and had not been reviewed yet? ( see attachment ). Also in my phone call on XXXX XXXX, I was told by someone named XXXX that my modification was turned down on XXXX XXXX and that a demand payment notice was sent. I never received either of these notices. Our account online was never updated as documents were sent in like it was for our previous modification so we did not know what was needed. Also XXXX XXXX did not advise me of the documents I needed, XXXX XXXX did in an email dated XXXX XXXX. ( see attachment ) And speaking of a delay, XXXX XXXX never answered any of my emails and why did it take so long for him to contact me with the necessary documents I needed to send them when I asked to reapply on XXXX XXXX? I did not receive his email with the necessary documents needed until XXXX XXXX and I had those documents returned by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance {$1700.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXXXXXX Balance : {$52000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance XXXX {$1600.00}
Product: Checking or savings account

On XX/XX/2024, I closed my BMO Bank checking account at a local branch. On XX/XX/2024, BMO Bank withdrew {$10.00} from an external linked checking account at XXXX XXXX, without my authorization. On the same day, XX/XX/2024, I called BMO Bank and spoke with a representative. The representative confirmed the withdrawal was made and informed me that the funds would be returned within 2-3 business days. My funds still haven't been returned.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$26000.00}