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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue with the reporting of a self-account on my credit score. The account in question is inaccurately reporting late payments, which has adversely affected my credit rating. 
Under the provisions of the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and specifically under 15 USC 1666b, I am entitled to dispute and correct any inaccuracies in the reporting of my credit information. The self-account in question has been erroneously marked as late, despite my adherence to payment schedules and financial obligations. 

Here are the details of the accounts in question : - Name of Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Description of Issue : The account is showing late payments for XX/XX/year> I have taken the following steps to address this issue : - Contacted the creditor directly to request a correction. 
Despite these efforts, the inaccurate reporting persists, and I believe this is a violation of my rights under the aforementioned statute. This incorrect reporting has had a significant negative impact on my credit score and financial well-being. 

Therefore, I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the reporting practices of. 
2. Correct the inaccurate information on my credit report to reflect the true and accurate payment history. 
3. Provide me with a written explanation of the findings and actions taken to rectify this issue.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX - XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX XXXX XXXX NA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  NA o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my wife and I exercised our rights to cancel the loan we closed with SunTrust Bank on XX/XX/XXXX. On XX/XX/XXXX we made a written request to SunTrust Bank for a refund of all fees paid by us in connection with this transaction.

We had paid a total of {$580.00} for an appraisal and a credit report.

We received a letter from SunTrust Bank dated XX/XX/XXXX that stated in part " we respectfully decline your request for reimbursement. '' OnXX/XX/XXXX we sent a letter to XXXX XXXX at SunTrust Bank asking that they reconsider and included the wording from Section XXXX - Truth in Lending, specifically paragraph 23 ( d ) ( 2 ) which directly addresses our issue with SunTrust Bank. 

OnXX/XX/XXXX I received a call from XXXX at SunTrust Bank and she informed us again that SunTrust would not refund the {$580.00} we paid in connection our mortgage refinance request. 

I will note I called your agency in XXXX to discuss the section of Truth in Lending noted above and was told clearly that SunTrust must return these funds. 

Please let me know if you need anything further from me at this time. Thank you in advance for trying to help us.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of iXXXX XXXX The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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/year>
Product: Debt collection

So about a couple of months back I needed to get a loan to pay some of my bills. I went to checksmart and I was able to get the loan and pay off only a small but if my bills but I was still struggling with money. I have rent, electric, phone, and even medical bills for medicine to pay for my mother. I do not have a car and it costs a bit for me to catch two buses to get to work and back. But Checksmart has been constantly calling me non stop every single day since sometime in XXXX last year or XXXX this year up till now. Constantly being rude and demanding payment. And even at work they call non stop. When I'm home they call non stop. And when I would answer they hang up. One time I even answered and asked how much did I owe the lady hung up. All day long I get a total of 6 to 7 calls by them every single day. I almost got fired cause they called during a very important event at work. I keep my phone on during work in case of emergencies. And I was even at my mom 's XXXX in the hospital and they kept calling me. This is getting way out of hand and very annoying and I strongly feel harrassed by XXXXhecksmart. They clearly do not care. Also I found out that when a person seeks to get a loan for them they do not tell the person that they secretly apply an extra {$150.00} on a profile that they don't even mention at all because they did this to me. I'm struggling a lot with money and my health problems because I'm sick a lot. But they even called me today while I'm at work. This is really getting on my nerves and stressing me out. And this was the second time I got a loan from them and payed it back when I got the first loan last year. The second loan which I am struggling paying back and is getting harrassed for is getting crazy. I will pay them back and even when I tell them I will they either hang up or get rude. They never let me explain my situations or they threaten to call someone on me that they are partnered with.
Product: Credit reporting or other personal consumer reports

Personal information such as addresses, names, and employment information are not accurately reported, which has a negative effect on my credit reports. XXXX, Transunion & XXXX needs to report credit information as accurately as posible.
Product: Credit reporting or other personal consumer reports

I have a kik account that I pay on every month and have been paying on it for months {$5.00} I go into my credit and they have me in collection saying I don't pay it and I have all my bank statements showing to this day that everything is been paid up to date so they're freely taking money out of my account and then they're going into collections on me saying I'm not paying to me that's not helping me that's to me that's not helping me that's stealing
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OF THE WEST XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received the second reporting, which Experian tried to fix. They removed my husband name, XXXX, from the list without explaining the reason. I found the incorrect cell phone number, which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
TransUnion is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there.
Product: Debt collection

My elderly parents were contacted by a woman named XXXX from Vance and Huffman. She told them that she had " legal papers '' for me to sign, and I needed to contact her right away. I called and she answered the phone. At that point, she denied having contacted my parents despite her answering her direct line and having the name " XXXX. '' She told me that they had a " file '' in their office to discuss with me, but would not give me any information about it until I verified my social security number with her. When I refused to give her this number over the phone, she promptly hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and Experian for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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: Consumer Loan

I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.
Product: Payday loan, title loan, personal loan, or advance loan

The company continuously a repeated calling my phone, leaving voicemail messages to a harassing level, prior to amounts due and due dates. The acts violated the TCPA. When I addressed the matter and demanded the stop in writing, they did not, and further closed my account and sent it to their internal collections. At that time I DEMANDED validation of the debt and specific information validating the account that is allowed to be request in accordance of Federal laws. The company responded only with former copies of previous bills, already received on the regular billing cycles, and NOTHING of the items requested, or that would be considered a Valid form of Validation of a claimed debt.
Product: Checking or savings account

I was charged multiple times for XXXX  of dollars for fees I didnt in-cure by Wells Fargo and every time I tried to discuss it with them they never wanted to listen!
Product: Checking or savings account

Citi Bank locked my account. When I call to try and talk to inquire about the problem they tell me, We cant give you any information and then they hang up. I made a complaint with CFPB previously and they responded that they sent a letter to a verified address. I havent received any letter to my address. Looking at similar situations on XXXX and XXXX website, other consumers are stating Citi is sending letters to previous addresses. I only live and have access to my current address. How am I going to receive a letter at an address I no longer live at. Citi bank locking peoples money is a reoccurring thing. Please help me recover my funds. Attached is my bank statement from the account my funds were transferred from.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : Advantage Collection Pro Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I got a letter in the mail saying I owed y'all {$7000.00} and I don't this is not my debt the reference number is XXXX and the date is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/2019 at about XXXX XXXX. I applied online for a XXXX XXXX XXXX ( XXXX ) home loan with a licensed XXXX home loan officer located in the State of Iowa. The male XXXX loan officer told me that " TransUnion '' had a " Credit Freeze '' on my " TransUnion '' credit file. And that XXXX could NOT proceed with my online home loan application until my " TransUnion Credit Freeze '' was unfrozen. The XXXX loan officer told me to call " TransUnion '' at XXXX and I immediately did so. Yet the employee at " TransUnion '' told me that " TransUnion '' could NOT release my " Credit Freeze '' over the phone even though I had answered CORRECTLY all of their " Security Questions ''!!!!
Product: Checking or savings account

I had deposited ample funds to pay my bills for XX/XX/XXXX. After paying an online bill I checked my online account on XX/XX/XXXX at XXXX and found that I had a negative balance. After checking my recent account transactions deposits, I found a check cashed for {$800.00} on XX/XX/XXXX. I did not recognize the transaction and downloaded the image of the check from the bank website. The image of the check showed that it had been altered, the original payee was changed from an institution to an individual name, the original amount was written out and changed to a larger amount and the original amount was changed from {$80.00} to {$800.00}. Also, my signature was altered but the memo section of the check still showed tithes. The back of the check was also accessible online and it was totally illegible as to where the check was cashed and the person signed the back in script. I called the US Bank 1800 line and submitted a check fraud report immediately. I asked if they could tell who was the cashing institution and they said they couldn't. Then the next day on XX/XX/XXXX I went to my bank branch and reported the fraud and closed the account. I asked for my funds to be restored to my account but my bank refused and said they would need to investigate first. A report was submitted by the bank agent on XX/XX/XXXX, but this person did not follow proper submission procedure and so the report was not filled with this bank 's fraud department ( it just sat in limbo!! This person should be retrained!! ), and when I checked on progress I had to make a 2nd report and ask for a re-submit on XX/XX/XXXX with the bank fraud department. In the meantime, The person submitted the forged check again ( same check number as verified by the caller ) at another bank and asked this bank to cash it. This bank called me to verify that it could be cashed and I said, " no! '' and told them it was forged and I asked the caller how they got my name and phone number. The caller declined to tell me and would not tell me where this branch was located. I tried again by telephone on XXXX and XX/XX/XXXX to ask the bank to please restore my deposited money which was taken out by this forged check but they are refusing. I have made a police report, I have copies of the forged check, dates, times and transaction references of the forged check cashing and I need restoration of my funds. I am not a criminal. This time lapse in resolving the problem of this check forgery resulting in removal of my deposited amount has created a financial burden on me and many mental, emotional hardships and I need my account restored to pay bills. This is more than a month later as of this date, this is time enough to resolve this issue with the evidence available.
Product: Student loan

Navient Federal Loans illegal behavior 1.Navient illegally made me think I was on income based repayment when they where just putting my loans into forbearance and deferment. I would call and request income based repayment and they would say Your good to go, just call back every three months after maybe a year or two of this, after exhausting all my forbearance and deferment, I finally got someone on the phone that told me I wasn't in fact, on income based repayment, that income based repayment is done through the Dept. of Education. This is illegal! I asked for Income based repayment and was screwed, on purpose by Navient. Now what can I do? I can not afford a team of lawyers to fight them. I feel so utterly helpless and powerless against a company that can do whatever they want to me. 

2. Navient has been misreporting federal loan balances to credit bureaus. My credit report is basically indecipherable. Navient will add a balance of about XXXX then remove it the next month. Some times they add two XXXX balance increases. These loans are in actual income based repayment now, and there is absolutely no way the interest is XXXX a month. Again I am completely powerless to do anything. When I call Navient they say I have no options. Please investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a department or company they had collecting on debt to resolve matter. Paid in XXXX said company said they sent update to company on XX/XX/24 and they still reported as a collection on XXXX snd eXXXX like I still owe them