23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had this loan for several years now and it has been in forbearance due to me being in school for XXXX as well as XXXX program. They have continually tried to charge me causing late payments and missed payments that have wrecked my credit score despite it being in forbearance during that period. Now that I am no longer in school I have began making the payments yet they continually keep reporting it as missed and late payments on my credit report. I have talked to them several times and they agreed to remove the prior missed and late payments but never have removed them and are difficult to speak with through customer service as they just bounce your call around. Including they have harassed family members of mine that have nothing to do with account. 

They also have inaccuracies between separate credit reports that depict different amount of alleged missed or late payments which I do not understand considering it is one account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.
Product: Credit card or prepaid card

I was using my Bluebird account as a savings account for a house. 
The last 3-4 months I had some financial difficulties and hand to withdrawl funds to take care of daily expenses, bills, car issues such as a XXXX transaxle that went you on my XXXX, money for a tow, and diagnostics. 

The American Express stopped my loading abilities and closed my account. I always maintained a balance of 7-10k until just recently. I borrowed from myself, and I was planning on getting my balance back up. 

I called customer service 2xs after a failed load at a XXXX. 
They said they couldnt do anything about it. I spoke to 2 managers and was on the phone 3 hours. I explained everything, and they confirmed that I always maintained a high balance. 

This is not right.
Product: Vehicle loan or lease

Obtaining loan from onemain from the dealership and was denied but still on my credit report
Product: Credit card

I recently was reporting some fraudulent credit card inquires and I may have made a mistake and reported XXXX relating to an open credit card of mine and this resulted in it being closed. This was not my intention.
Product: Credit card

Fortiva credit card started charging me a maintenance fee without my knowledge. It wasn't in the annual fee or anything not sure when it was even snuck into my billing. I paid the credit card off over a month ago and I get a statement today saying that I have to pay them a maintenance fee!! For what there is no balance! I then told them I will be cancelling the card because I will not pay for something I'm not using! Which in turn will hurt my credit because of cancelling the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

TCF IS REPORTING TO XXXX, AND NOW MUST BE DELETED MANUALLY BY BOTH PARTIES. LOAN NO.XXXX-XXXX. TCF MUST CONTACT XXXX  DIRECTLY IN ORDER TO UN SUPRESS MY CREDIT REPORT IN ORDER OF DELETION OF ALL TCF BANK ACCOUNGTS FROM CREDIT FILES ... SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, I made a purchase at Kohls Department store of {$15.00}. This took place months ago. On XXXX XXXX I received two phone calls requesting I call Kohls. At first, I assumed this was a scam until I received the second one. I checked my Kohls account to discover that there was a {$100.00} dollar on my account. I quickly called Kohls for more information. I was told that my account went to collections for nonpayment. I was shocked this was the first time I knew of this. I asked why I wasn't notified or billed? So, they say they did not have my updated address. I moved from XXXX XXXX XXXX  I was still stumped. They called me after my account went to collections but could not call me previously to this? or email me? They had my email address. I paid them what I owed. I thought that was the end to it. Just recently received my credit report. I went from XXXX to XXXX just like that due to Kohls. I can not express how upset I am. This is absurd. Shocked is what Iam that a company can ruin an individual 's credit for {$15.00}. I worked very hard for years to have that credit score. Never missed a payment, never was late on bills. I can show you bank records and payoffs. I am not wealthy and have worked my tail bone off for what I have. My credit score reflected my hard work. I will never set another foot in Kohls. Never. I will gladly return their credit card to them. 
I paid my automobile loan off my mortgage off. Why would I not pay off {$15.00}? How can I pay a bill if I am not properly notified? To this day I still have not received a piece of mail from Kohls stating that I paid the outstanding balance or a email. Obviously, there is something very wrong with this company internally.
Product: Credit reporting or other personal consumer reports

Under the FCRA, I am entitled to dispute inaccurate information, and I expect that your company investigates and rectifies the issue as outlined in the Act. As per 15 U.S. Code 1681i, I request that you investigate these items, correct any inaccuracies, and notify me of the results of the investigation within the required timeframe.

Additionally, I would like to remind you that any willful failure to comply with the FCRA, as outlined in 15 U.S. Code 1681o, may subject you to civil liability. I trust that this matter will be resolved in a timely and accurate manner to avoid any further legal action.

Please provide me with written confirmation that the dispute has been resolved, and update my credit report accordingly. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this dispute has been handled promptly. 

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 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I purchased a couch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2019. Acct. # XXXX. 

I have been making payments on time for months but was never told about the interest being 270.22 % even with making on time payments. I feel very mislead and want to file a complaint to get my money back the interest is extremely unreasonable. I was never told by the store owner that this would cost me over {$2700.00} for a couch that was originally {$800.00}. The couch is falling amount and very poor quality. I want to know what my options are to get me money back for the outrageous interest and all principal I paid to date. I'm willing to give the couch back and for my refund.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA XXXX states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify you 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 alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. 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, and I'm including it again. 
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 XXXX XXXX XXXX XXXX
Product: Debt collection

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am writing to file a formal complaint against Grain regarding inaccurate information that has been reported to the credit bureaus, causing significant damage to my credit history. Despite my repeated attempts to rectify the situation, Grain has failed to address the errors and has not taken appropriate action to correct my credit report. 

The issues I have encountered with Grain began when their mobile application prevented me from logging in, leading to the reporting of late payments. Despite my persistent efforts to contact Grain and resolve the matter, I was unable to reach anyone for assistance. It took over four months before I was provided with a link to make a payment, only to discover that my XXXX debit card was not accepted. Consequently, I had to rely on my daughter to make the payment for the amount Grain claimed I owed. 

To my dismay, Grain unexpectedly refunded the payment made by my daughter, stating it was an error on their part. I have sent multiple letters to dispute the late marks on my credit, but each time Grain has verified them without making any corrections to their errors. I have included the email correspondence between myself and Grain as evidence, which clearly demonstrates the prolonged response times and Grain 's failure to address the inaccuracies in their reporting. 

I firmly believe that Grain 's inaccurate reporting and their subsequent failure to rectify the situation have significantly impacted my credit history. As a responsible consumer, I have always been committed to maintaining a positive credit record, and Grain 's actions have unjustly tarnished my financial standing.
Product: Payday loan, title loan, or personal loan

I took out two installment loans on XX/XX/XXXX totaling XXXX XXXX dollars each at PLS XXXX XXXX XXXX XXXX, IL.XXXX location. On a couple of occasions, I've been making my loan payments on time and when there we're times I could not make a payment, I would call XXXX or XXXX and make arrangements to pay on a different day. I check my bank account on XX/XX/XXXX and XXXX claimed that XXXX put my check through. XXXX lies because this is the second time she did this and wanted to put it off on XXXX. I told her I wanted to speak to XXXX and XXXX said XXXX wasn't there. This is the second time XXXX put my check through, when she knows I always come into the store and pay. XXXX was very rude and incompetent of telling me how much she submitted the check for. I had an upcoming payment for XXXX XXXX, XXXX for the minimum amount for {$37.00} and XXXX submitted the check for the full amount of {$230.00}, I didn't request her to do that and I was only one payment behind and I was going into the store on XXXX XXXX, XXXX to make my minimum payment and XXXX was aware of that. XXXX and XXXX are very shady, especially when this is the second time they did not inform me that they we're processing my check and they are doing it purposely especially they couldn't inform me as a customer. After my loans are paid off, I will NEVER use PLS or refer anyone to them ever again. I would rather be down to my last, then to borrow a loan from them.
Product: Credit reporting or other personal consumer reports

Different day same ridiculous explanation THAT ADDRESSED ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against XXXX XXXX, XXXX, and XXXX XXXX using CFPB case number XXXX. 

It has been over 30 days. XXXX XXXX sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and XXXX XXXX  have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.
Product: Mortgage

Your software is automatically deleting my number from my profile and removing me from receiving text messages. Why does this continually keep happening? I log in and find my phone numbers have been deleted after I receive the attached text message stating that I am " opted out and will no longer receive messages from Your Mortgage Servicing Company Online Alerts. '' I did not prompt to unsubscribe from messages. Why is your software deleting my numbers and removing me automatically? 
I have to log in after receiving these messages, whereupon I find that my number has been deleted from My Profile > Notifications. Why is my number being deleted without my authorization?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX