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

I am writing to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

In reference to the XXXX account - I have sent many letters disputing this account 's inaccurate information being reported on my credit report. I have requested the process of verification, including WHO verified the information- but never get a response. 

on XX/XX/23 I sent a letter with factual information that the data furnisher is reporting different information to the different credit bureaus. That would explain that there is no way the data furnisher can be reporting 100 % accurate information, and the account needs to be updated to showing it was never paid late.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX  Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Checking or savings account

So my husband gets a text claiming to be XXXX security and that {$850.00} would be charged. SO I called the # attached to the text and the guy on the other end gave me a badge # and his name saying my account was compromised and we had to do dummy transactions to block the scammer. So he had me download an app called " any desk '' so he could see my accounts remotely. He was a good talker. So the first XXXX transactions failed through XXXX, so I figured ok maybe he was helping me. So there were XXXX different zelle recipients and then XXXX different amounts transferred those didn't fail. I then became extremely upset at the guy. XXXX amount came from my personal account {$1900.00} transferred to my cash app account which then was transferred to some woman 's name, the other transactions came from my business account. Totaling $ XXXXBank Of America will not reimburse me. I have filed XXXX claims with them, police report, XXXX XXXX complaint. The resolution I'd like to happen would be to get my $ back. We have a small business and that was alot to have taken, especially these days. I am planning to call the news channels also. I've been w Bank of America for XXXX.there 's no reason to withhold someones money. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX. Applied for a XXXX XXXX Card in  the XXXX XXXX app after seeing the promotion being offered. I have 24 accounts of which only 1 is in use. My credit score is over 700. I was denied the card due to heavy use of available revolving credit. The only outstanding credit I have is a XXXX XXXX  Car Loan and XXXX Credit Card that has about 78 % being used. Ive tried multiple times to get this removed by numerous calls but Im either left on hold or told theres nothing they can do unless Im disputing an actual account. Secondly, I submitted a collection credit dispute for XXXX XXXX XXXX XXXX in XXXX, Ca. Until today I never heard of them. I called and theyre saying I owed a payment to XXXX XXXX XXXX in XXXX, Ca for services preformed on my then ( XX/XX/XXXX ) XXXX year old son XXXX XXXX. I no longer live in California but I regularly went to Dr. XXXX never was I approached about this outstanding bill. 

Please look into these newly added issues in my credit report. Experian has not tried to resolve my issues despite my efforts. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX ( XXXX ) XXXX
Product: Consumer Loan

I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..
Product: Credit card or prepaid card

XXXX  XXXX XX/XX/XXXX a charge of {$150.00} was charged on my debit card by a merchant assisting with a purchase when my card was not working. The charge was for a e-gift card so a purchase could be made in store but it was unsuccessful and the store mgr was unable to cancel it. She advised calling customer service who advised a refund would be processed. Days past and no refund was ever received nor was the e gift card that was purchased received. I reached out the merchant numerous times and the issue was never resolved they only stated it was being handled by a different department and the card was sent. I called numerous times over a month and a half for assistance in getting my {$150.00} back but told a mgr would call back and the gift card was sent but nothing has ever been received. I eventually filled a dispute with my bank who just recently XX/XX/27 charged my account back for {$150.00} stating it was a valid transaction even though the electronic gift card was never received nor was it authorized by me for that merchant to run my debit card for that purchase.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone tried to get products in my name and I made the credit bureau aware that I didn't do it.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications. 
The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.
Product: Debt collection

I notice Helvey and Associate on my credit report for an alleged over draft debt about a checking account. First Inever received a notice to dispute there claim because I owe them nothing. I never applied for any type of credit from them. Secondly, I believe if this alleged debt is mine shouldn't an overdraft charge shouldn't it be con XXXX? I've read many complaints on this company about their shady and harassing tactics. I will also be contacting a consumer lawyer about my rights and how Helvey and Associates never mention I had 30 days to dispute this debt on ANY dunning letter. My consumer rights have been violated.
Product: Debt collection

I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.
Product: Debt collection

experience contacted my family memebers giving them information related to a debt that I have no knowledge of. These addresses are fraudulent
Product: Bank account or service

The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''
Product: Checking or savings account

I am submitting this complaint regarding the closure of my accounts at Chase Bank without a clear explanation or due process. I believe this action has caused undue financial hardship and may not align with fair banking practices. 

All my checking and credit accounts where closed without letting me know why I have been a long-standing customer of Chase Bank for over 10 years, maintaining both personal and business accounts as well as credit card accounts, never even missed a payment on any of my loands. 

Recently, I obtained a loan secured by my home to fund a business I XXXX  in XXXX. Shortly after the loan funds were deposited into my Chase account, I received a letter from Chase informing me that all my accounts, including unrelated personal and business accounts, would be closed. 

Chase has not provided any detailed explanation for this decision, which has disrupted my ability to manage my finances. This includes the closure of credit card accounts and accounts that had no connection to the loan or business in XXXX.
Product: Credit card or prepaid card

I had a XXXX XXXX credit card with Chase Bank. The account was transferred to XXXX in XX/XX/XXXX. After the transfer took place, XXXX XXXX issued XXXX credits in the amount of XXXX each for airline tickets purchased on XX/XX/XXXX against the credit card I used for the original purchase. Unfortunately, that card had been closed by Chase and a new card issued. When my Chase account was transferred to XXXX these credits were not transferred over. Chase tells me they no longer have access to my account and can not help. XXXX has confirmed they did not receive the credits and they have not been able to get Chase to help.
Product: Credit reporting

I disputed hard inquiries on my Equifax credit report on XX/XX/2016. There are a total of XXXX inquiries on that report. They claimed in less than 24 hours that all of them were factual inquiries. I do n't believe that they are and have disputed them several times. Each time I have disputed they tell me within 24 hrs that they are factual. I do n't see how they can physically verify XXXX hard inquiries within a 24hr time frame. I believe that all of the Credit Bureaus, XXXX, Equifax and XXXX just say that they are factual so they do n't have to delete them. I have contacted all of the creditors that have placed the inquiries on my reports and all have said that I need to contact the Credit Bureaus to have them removed. Have done this to yet still no resolution.
Product: Debt collection

Monterey Financial has violated several stipulations of the Fair Debt Collection Practices Act. They have repeatedly made harassing phone calls to me about a debt I do not owe. Their representatives have impersonated the sheriff 's department in a debt collection phone call made to a place of employment in an attempt to damage reputation. They have provided information about a debt to third parties in phone calls without identifying themselves as debt collectors. They continuously engage in unprofessional behavior while threatening illegal actions such as sending a " compliance officer ''. They launched a fradulent lawsuit through the local county 's marshall 's office. They have also filed a false credit report. Monterey Financial continuously employs unethical, illegal behavior. Monterey Financial should be charged for their illegal debt collection practices immediately.
Product: Vehicle loan or lease

XXXX XXXX book states that my car was only worth it like XXXX after a repossession from the vehicle and it was sold at auction I still have an {$8000.00} bill on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.
Product: Credit reporting

On behalf of XXXX XXXX XXXX, XXXX ( XXXX ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received from the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2016. Specifically, this letter is in response to your concerns regarding the credit reporting for the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. 

XXXX submitted corrections to the credit reporting agencies to reflect the account paid in full. A copy of the Automated Universal Data ( AUD ) form submitted to the credit reporting agencies is enclosed for your reference. 

You may use this letter for verification, should you need to provide a potential credit grantor with proof that this correction is in process. Please allow three to five business days for the corrections to appear on your file. After that time, you may wish to confirm the corrections have been made by directly contacting the credit reporting agencies as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHAT HAPPENED
Product: Consumer Loan

I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. I Paid this loan off in a timely manner I was never late. I should have never been given a predatory loan like this XXXX with 10.5 % interest. I took the loan and paid it off in full and NOW it is negative on my Credit!
Product: Money transfer, virtual currency, or money service

About a year ago I asked PayPal to cancel my account and delete all my information. To this day I get emails about my account.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with my credit report that I recently discovered. Upon reviewing my credit, I have found several companies listed on my report that I have never had any business with. As I have not given anyone permission to conduct any kind of business on my behalf, it leads me to believe that my identity has been stolen. 

I have attached a list of the companies in question, along with a copy of my identification for verification of my identity. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I would greatly appreciate it if this issue could be resolved immediately as it is imperative for me to be in the best possible position to provide for my family. I have taken the necessary steps to report this crime and would like to request your assistance in removing these fraudulent accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I submitted my IDR application ( with tax documentation ) to change my IDR to the REPAYE plan ( now the SAVE plan ) on XX/XX/2023 and it still has not been approved. I was told it should take only 30 days to process this request and yet it still says its processing after nearly 75 days. My initial repayment plan was Income-Contingent Repayment ( ICR ), which was approved for PSLF. However, MOHELA removed me from ICR and has put me on " Level '', or the Standard Repayment plan, with the monthly payment amount due saying I owe approximately {$190.00}. 

When I called them in XXXX, they told me my XX/XX/XXXX application " was rejected, '' which is not correct because on their website it currently says my application is still processing. The representative told me to reapply, so I reapplied on Dept. of Education 's website after the phone call. Then, I called back in XXXX to ask why my re-application was taking so long, and the representative refused to give a reason why neither application was accepted. Instead, they told me to once again reapply over the phone. I now have 3 applications in XXXX, XXXX, and XXXX, none of which have been approved and MOHELA has refused to provide an explanation and just continues to suggest I reapply. 

MOHELA has effectively done has *removed* me from my PSLF-eligible repayment plan ( ICR ), put me in a repayment plan that it PSLF-ineligible, and appears to be *preventing* me from getting on the SAVE plan, even though I am completely eligible. I want them to put me on the SAVE plan immediately as it is my legal right to be in the PSLF program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewithXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting

Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX shows a late payment in XX/XX/2011 that is incorrect.