23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment to pay for the month of XXXX and and made half the payment for the month of XXXX and provided the date of which I can make the other half of the payment which would but XXXX XXXX XXXX. Ive recently experienced financial hardship in the month of XXXX that being I had my back windshield smash and paid out of pocket to fix it. Then XX/XX/XXXX my tire had popped and had to fix my brakes which also put me behind but again I still made sure I let the auto company know when I would make the payment. The day after I made the call to let them I know I would make the payment they proceeded to repossess the car after they put in the notes of my account that I would make the payment on the date I said I would. Ive called twice to come to a resolution but would not hear me out or allow me to make the late payment.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 woke up to an unauthorized hard inquiry on my credit from a credit union based in XXXX that was brokered through Gravity Lending. This is a scam of a company. After reaching out to them multiple times they refused to remove the inquiry or provide any proof that I authorized the credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Checking or savings account

I opened up a navy federal bank account due to my brother being the XXXX for XXXX something years so I was more than eligible immediately I put over XXXX $ dollars worth of my money in there the next day upon me trying to log on I was locked out of my account called into navy federal for them to tell me I was not eligible for membership and that I needed to file an appeal and send documents in all the money i placed in my account with them was my rent money we are in a pandemic and I cant afford to fall behind on my rent Im XXXX  months XXXX  and due to go to the hospital any day I offered them to go to a branch and take all verifying documents they refused and told me it will take them 15 days to see if they will give me my money back mind you the account was only open for one day so the balance was positive so they should not be able to hold my money
Product: Credit card or prepaid card

They never resolved previous issue. Payments are still on a 29 day hold becuase I am XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX CB indiago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX****, 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, credit repair services, or other personal consumer reports

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, N.A. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
Product: Credit reporting or other personal consumer reports

I found out that Experian has two names associated with my account that are incorrect. One is a spelling error and another is the translation of my name into XXXX. Tried to submit complaint on line. And was told that since it was a name change I needed to call. I call and they dont have such an option in their automated options. I asked to speak to a person and they switched to XXXX demonstrating their bias is already coded in associated with my account. I am not XXXX  or from a Spanish speaking country. Why did their automated messages switch to XXXX? Is this racism or ethnic discrimination embedded in their system? At least it is not ethical. They dont have a person to help. I called their customer assistance a number and it goes to the same number. I do not want my report card to be associated with names that are not mine and I have never used.
Product: Credit card or prepaid card

I was very upset to learn that Citi is stripping almost all the insurance from its credit cards for things like trip insurance and return protection - even for new cardholders. They sold the card I was recently approved for with this insurance - such false advertising! They should not be able to sell you one product then just give you another. This really reduces their card 's value - almost all my other cards have at least some of the benefits they have stripped away. It is a move that will enhance Citi 's profits while severely harming consumers and should be looked into by the CFPB.
Product: Credit reporting, credit repair services, 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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 record 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

CALIFORNIA BUSINESS BUREAU , INC has been reporting amounts to XXXX for medical debt allegedly owed to XXXX in XXXX XXXX. The Collection Agency refuses to provide me with any documentation of these account balances and continues to report each amount to XXXX four or five times each month. Each time I ask the collection agency for an account statement I am told that the collection agent is waiting for the original creditor to send them documentation that they have requested. I have contacted the original creditor and been informed that no information has been requested by the collection agency for any of these accounts. California Business Bureau , Inc. refuses to provide account statements, reports the balances to XXXX several times per month, refuses to attempt to actually collect any money they allege I owe and has been negatively impacting my credit score since XXXX without just cause. I have filed complaints with XXXX and they have accepted Certifications and Verifications from the collections agency in lieu of requiring documentation to substantiate the amounts owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit reporting agencies. Company is still increasing the amount and saying that there are late payments when the account has been " in collections ''. If an account is in collections that means that alleged debt is no longer owed to the Original company, that company has been paid.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the medical debt, where I never lived or had any association with.
Product: Debt collection

One Main Financial left a voicemail message on my phone regarding my past due balance on XX/XX/19. Per North Carolina state law, creditors are not permitted to leave voicemail messages for debt collection purposes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting my credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations.

The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of disputed information. If the creditor can not provide concrete evidence and documentation proving that I was late, you must remove these inaccuracies from my report.

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items.
Product: Debt collection

ON MY XXXX CREDIT REPORT PORTFOLIO RECOVERY ASSOCIATES ( account # XXXX ) IS REPORTING A " PAST DUE AMOUNT '' THAT IS A CLEAR FCRA VIOLATION ALSO UNDER " PAYMENT STATUS '' THE NOTES ARE STATING " SERIOUSLY PAST DUE '' ANOTHER CLEAR FCRA VIOLATION ALSO UNDER " BALANCE UPDATED '' PORTFOLIO IS REPORTING A RECENT DATE OF XX/XX/2021 A CLEAR RE-AGING VIOLATION
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024, I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

Zelle payments through XXXX in the past that never gave you a warning if you were sending money through Zelle to the right person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my phone was stolen by roommate which she used my phone to make an unauthorized XXXX  transfer of XXXX. My phone was then returned to me the next day XXXX XXXX, 2022. She claims she found my phone in her car. I later found out that she used my phone to do a XXXX transfer. I placed a claim with XXXX Bank of America. They denied the claim. I created a police report with my local police department. And sent faxed over the incident report. Today on XX/XX/2022 I received an email from Bank of America denying my claim once again. Ive already explained the situation to them and even faxed my incident report. My roommate knew personal information of myself that I trusted her with and she used it against me to steal from me. I just want my claim to be honored and receive my money back.
Product: Checking or savings account

I woke up to my cashapp being closed and my money home snc thru wouldn't even give me accessibility to get my cash off my account. I told them it was used Hof my direct deposit and then went on to ask why my account was closed the hd response was we have our reasons and then refused to say anything else. I then asked you speak to somebody else above them manger etc and they said k will bd directed to the proper channel to speak with dlmeond but instead hhfm terminated the conversation snc refused to acknowledge or respond to any further attempts to reach out to them. I lost about {$1700.00} in my account.
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 3 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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my own credit I have contacted each bureau multiple times XXXX XXXX transuion and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Product: Credit card or prepaid card

Fraud at an auto shop ended in catastrophic damage. XXXX would not adjust the charges. Location is XXXX # XXXX XXXX in the amount of {$740.00}. XXXX contents that the issue was not resolved with in XXXX XXXX but after having worked with the vendor to seek indemnification XXXX XXXX passed before asking XXXX  to help. Could you help as the damages they caused to the car are severe. 
Thanks XXXX
Product: Credit card

Bank of America refuses to approve my fraud claim on my credit card. I did not make those charges and they are trying to force me to be responsible for charges I did not make.