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

i have inquiries that i did not authorize on my credit report on my credit profile. at the time of the hard inquiries i was incarcerated so its no way i could have applied to any of the companies listed below also my social is XXXX and my birthday is XX/XX/XXXX so u can be able to look up my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is reporting incorrect information on my credit report and when I attempted to contact them USPS said that the address was undeliverable. The credit reporting agency told me to contact the furnisher and the address on my report is incorrect as well as the information they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 Nationwide Recovery Services from the original creditor XXXX XXXX XXXX per XXXX XXXX added a derogatory mark on my credit report. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also there was no form of written communication, contract, signature, for this accused debt at all. A bill without a signature does not validate the debt, and anyone could send a bill and say its mine. According to FCRA the above collection agency has violated my rights as a consumer and I am requesting legal action to remove this from my account immediately.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ).

The specific inaccuracies I have identified include : 1. **Payment Status : ** - XXXX XXXX XXXX, and Equifax report the account as XXXX days past XXXX, which is false as I have consistently made payments on time. 
XXXX. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency. 
XXXX. XXXX and XXXX XXXX XXXX : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXXXXXX XXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under XXXX15 U.S.C. 1681i**.

I am requesting the following actions be taken immediately : 1. Remove the account from all three credit bureau reports ( XXXX, XXXX, and Equifax ) due to failure to validate its accuracy. 
2. Provide detailed documentation, including payment records and verification from XXXXXXXX XXXX XXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I was given a loan of {$830.00} and on XX/XX/XXXX I was given a loan of {$620.00} both by the same company called Affirm or XXXX XXXX XXXX  as it says on the Loan term agreement. I made all my monthly payments on time and on was out of work due to COVID-19 and wasnt able to make the payment for XX/XX/2021 and was therefore reported to my XXXX XXXX  report. Overall I have paid off the entire debt Early I might add but am still plagued with this delinquent mark in my XXXX report. Ive asked Affirm to remove the mark and they didnt want to and I disputed it with XXXX and they still didnt remove and need this mark removed in order to purchase a home for my XXXX  girlfriend and I.
Product: Credit card

On XX/XX/XXXX, I accepted an offer for a new " SavorOne '' credit card on my cell phone from the Capital One Bank App. In the initial offer it said that they would give me XXXX {$200.00} if I spent XXXX {$500.00} in the first 3 months. 
In the process they said that there was a second benefit and that was that the purchases I made would give me free interest in the first 15 months of the credit card. 

The system generated and approved the Credit Card Today I called to validate these benefits and they told me that they do not apply In a way they let me know that I should have reviewed what I was accepting. 

I have asked why the Bank makes an offer of a credit card with some benefits and then in the process they already say that the benefits do not apply, to which they tell me that I accept the terms and that is how it appears in the system In my country XXXX, that is called " captivating the customer with false promises or misleading advertising '' In the application registration process, it said " validating if you will be given the new credit card '' and Then it appears that I have been accepted, although one does not read everything else, because XXXX thinks " if they offered me a campaign and they approved it, it is because it is true '' not that one should go read the fine print to see if it suits them. they changed the conditions I'm going to cancel the new credit card, which takes 2 days to apply for, but I don't know how this will affect my record. 
I believe that the Bank is using captivation mechanisms with false expectations and this goes against the good faith of the consumer who assumes that if there is a campaign and they accept the card it is true and not having to check that the conditions have changed. 

I appreciate your help to review this type of advertising, This does not happen in other banks. 

I have created a pqr to the bank case number XXXX for me,
Product: Payday loan, title loan, or personal loan

I took out an " Payday Loan '', and I show up to pay off loan, and the customer service representative refuses to take payment. 

ACE Cash Express, Inc. Store # XXXX, the customer service representative refuses to take payment. She stated that the, " Payday Loans '', are passed on too collection agencies, too ruin minorities line of credit, so that they will have to come back to, PAYDAY LOAN COMPANIES, only for business, we make numerous inquiries so that the customers are forced to come back to, PAYDAY LOAN COMPANIES CAN RUIN THE CREDIT! 

Ace Cash Express, Inc. Store # XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX www.acecashexpress.com After calling numerous times, the Ace Cash Express , Inc. to this day refuses to connect, me with the collection agency by United States Mail , to settle this account.
Product: Vehicle loan or lease

I have been requesting the contract and payoff amount for the Global Lending Services account for which I had been making payments from the company since XXXX of XXXX. The company would never send out the documents for which I had requested. In XXXX, the company repossessed the vehicle on XX/XX/XXXX, citing that the payments for the vehicle was 30 days late. I paid all monies Global Lending Services SAID that I owed ; when I asked for that information in writing, along with a receipt, I was advised by the representative that the company doesn't provide that information. I was then advised that I was 30 days late, which I was not. The company had removed my name from the vehicle 's title, and had to send me a power of attorney document to put it back after paying the money they told me that I owe them. In addition, on XX/XX/XXXX, the company reported to the credit reporting agencies that I was 90 days behind and owed {$13000.00}. I have been requesting the credit bureaus to investigate ; the company provides the credit bureau no documented information. 

I sent GLS a letter XX/XX/XXXX requesting the contract for the loan with the payoff amount in exchange for my payment to settle the account by XXXX XXXX. The original request was ignored. I sent out a second letter extending the offer for XXXX additional days ; the letter was ignored. GLS did not respond to the letter that I sent them, however, they continued to call and report to the credit bureaus. I continued to pay through XXXX. I then sent out a request for the company to send out a release of lien letter to be removed from the title as they have denied me the equity in a timely response and to pay off the loan, which legally and financially settled any business regarding that account. 

GLS has recently reported negative information to the credit bureaus regarding the tradeline.
Product: Consumer Loan

Since XXXX 2015 I have been unemployed due to being laid off. During this time I have attempted to make my payments but when you have not income coming in it is very hard to do. I have been talked to very inhumane regarding my account. I am constantly being threatened by my car being deactivated. I am constantly asked if someone can pay for me. If that was possible, I would not be behind. Even though my sister cosigned with me, she does not help me at all with this even though she knows my situation. I am on my own right now. I am daily looking for work so I can get back on track with you all. This is the second vehicle that I have purchased through Credit Acceptance and I had no problem with my previous purchase. I want to keep my car but I need some assistance right now and no one in the organization is willing to assist me or work with me except for demanding that I make a payment. I need a deferment so I can get back on track and not ruin my sister 's credit because that is her main concern right now. I appreciate any assistance you can give me.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my Credit report I observed several accounts that I did not apply for or authorize. 

I have filed a police report and I am still unable to get these accounts removed. Please removed these fraudulent accounts from my report. In accordance with the fair credit reporting act Convergent account numbers 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 a account without my written instructions. 

XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} XXXX XXXX XXXX {$6200.00}
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX CREDIT CARD HOL on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of late payment entries on my credit report, which I believe are in violation of 15 U.S.C. 1681a ( d ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned that these entries might fall under the exclusion outlined in the statute and should not be included in my credit report. 

1. Account Information : Account Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Late Payment Entries : [ any/ all ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Bank account or service

On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. 

I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. 
First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. 
Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. 

I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States that I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : Also establishes a The consumer reporting agency can not provide an account without my written instructions.
Product: Mortgage

I have been out of work since XXXX due to an accident I had on XXXX that caused me to have a XXXX XXXX XXXX I filed for XXXX on XXXX and my attorney filed an appeal on it, and it has been in reconsideration since XX/XX/2024. I'm having to see every doctor you can imagine because it's like when I hit my head everything going down has fell apart. We started with a {$1400.00} mortgage now it is almost {$1800.00} because of these insurance companies. We have been in XXXX since XX/XX/2024, and we owe almost {$10000.00} of past due. Ameris is the one to tell me to reach out to you. It's just me and my sister she has been retired for about XXXX, so we live off of {$1500.00} then she gets SS and that is {$1300.00}, and she is working as an XXXX  she can only work XXXX a week at {$18.00} per hr. and gets {$970.00} every XXXX weeks. And this past XX/XX/2024 she found out she had XXXX XXXX and on XX/XX/XXXX she had a double Mastectomy done and now she out of work for about XXXX. I'm at the end of my rope we love our house and location is there someone to help up PLEASE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I have a problem I need help with please.

RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use. 

I do not have a lot of money your help would be much appreciated. 

Can you please ask them to stop being a XXXX? 

Thanks! 
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company? 

The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.