23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, World Finance Corp , submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to World. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to World. World needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
World Finance Corp, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
WORLD FINANCE CORPORAT, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan WORLD FINANCE CORPORAT {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to World Finance Corp, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number XXXX XXXXXXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account # XXXX ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Dispute resolved; reported by grantor Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} XXXX-Year Payment History : Reflects XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : 15 USC 1681i ( a ) ( 2 ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements.

15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements.

Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments.

Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication.

If no valid evidence exists, correct the account status to Paid As Agreed Never Late immediately.

I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but XXXX is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.
Product: Credit reporting or other personal consumer reports

I am writing today because I have noticed some inaccurate information on the balance of my XXXX XXXX XXXX XXXX. This balance is reporting incorrectly on my credit report and is negatively impacting my score due to it increasing my utilization rate to XXXX XXXX. As stated on my billing statement my building cycle was from XXXX to XXXX, and showed my balance at the end of my billing cycle to be {$150.00} ; however your company is reporting that my balance was {$380.00}. This was updated on Experian on XXXX. This mistake violates my consumer laws under the Fair Credit Reporting Act. 

The account number is XXXX, my XXXX is XXXX, and my social security number is XXXX. I have also enclosed all the doucement verify my identity and showing proof that this account is reporting incorrectly on my credit reports. 

According to XXXX XXXX XXXX XXXX the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case you have not ensured maximum possible accuracy. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section XXXX According to the FRCA if an account is not reporting accurate information to my credit report, I have the right to get this account deleted. Please delete this negative and inaccurate account from my Experian credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Since my income has been reduced to half of what I was earning, my only option was to file for bankruptcy. I spoke to the local store. They refused to talk to me about it. They referred me to the corporate office. I spoke to the bankruptcy department and gave them my attorneys information. 
The bankruptcy department canceled the repossession, but my car was still taken that same day.
Product: Credit card or prepaid card

This is my third CFPB complaint, Capital One is not even replying or answering my complaint at all. I have been on the phone with Capital One to request my credit balance refund check of the balance on the account of - {$8600.00} XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report from TransUnion, and it seems like there's an unauthorized hard inquiry. 

XXXXXXXX XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, looks like the Private company called experian is willfully non compliant with FCRA rules, either Experian clerks can not read proper XXXX or they are just playing coi. it my understanding after carefully reading the law under FCRA it clearly says that my consumer report has to contain maximum accuracy, maximum completeness and maximum verifiable information. 15 U.S. Code 1681i - Procedure in case of disputed accuracy .15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and I have given Experian the factual evidence showing from their Experian report.

15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Yet Experian clerks are not reading XXXX. The XXXX of Experian is a Joke. The law is very clear and cristal. CFPB as a governing agency. Why is it that Experian continues this nonsense by reporting not only DUPLICATE ACCOUNTS, BUT NOT ADHERING TO FEDERAL AS IT HAS TO. FEDERAL IS THE LAW OF THE LAND. I HAVE POINTED 2 MAJOR VIOLATIONS BY EXPERIAN. 15 U.S. Code 1681n ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} these accounts are duplicated on my experian consumer reports. these accounts have historical deficiencies, inaccurate reporting, incomplete information, its obviously erronious high balances are really don't make sense, all inaccurate XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Experian fix all the errors on this account. if you can not then delete entire account.
Product: Credit card

I made a payment on my Lowe 's credit card, and when I logged in to check the status of the payment there was a red pop up that said my account was closed. I received no information or warning of the account closure and upon further review, Synchrony Bank ran a credit check and also closed the account without notifying me, which gravely impacted my credit reported and significantly dropped it almost XXXX points. I called the company to figure out what happened, and they said they closed the account bank in XXXX, I asked for written documentation, they said they sent it via email which I never received, even though I have received every other letter or email from this company without issue. I spoke with a manger who then said they can resend the documentation but due to inactivity on the card and without utilization and evaluation, they closed the account.
Product: Debt collection

A Consumer complaint was filed on XX/XX/year> complain is number XXXX. In my complaint I stated never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Caine and Weiner isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person In accordance to The Florida Statue 559.553 Registration of consumer collection agencies required ; exemptions.- ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.

( 2 ) Each consumer collection agency doing business in this preter Services for the state shall register with the office and renew such registration af and Hard of Hearing annually as set forth in s. 559.555.

( 3 ) This section does not apply to : ( a ) An original creditor. 
( b ) A member of The Florida Bar. 
( c ) A financial institution authorized to do business in this state and any wholly owned subsidiary and affiliate thereof. 
( d ) A licensed real estate broker. 
( e ) An insurance company authorized to do business in this state. 
( f ) A consumer finance company and any wholly owned subsidiary and affiliate thereof. 
( g ) A person licensed pursuant to chapter 520. 
( h ) An out-of-state consumer debt collector who does not solicit consumer debt accounts for collection from credit grantors who have a business presence in this state. 
( i ) An XXXX-insured institution or subsidiary or affiliate thereof. 
( 4 ) An out-of-state consumer debt collector as defined in s.

559.55 ( 11 ) who is not exempt from registration by application of subsection ( 3 ) and who fails to register in accordance with this part shall be subject to an enforcement action by the state as specified in s. 559.565. 

As stated in my original complaint, I never received any form of communication from your company, secondly Caine and Weiner is not legally registered consumer collection agency in the state of Florida. According to my credit report your company is not the original creditor, If I'm incorrect in my research pleaser provide licensing in my state, as well of proof the corresponding notice your company claimed XXXX sent. I never cease and desist any correspondence shop feel free to send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

Subject : Urgent Request to Unlock My Ally Bank Accounts Dear Ally Bank Support, My name is XXXX XXXX, and I was informed two days ago that all of my Ally bank accounts have been locked, leaving me unable to access my funds. Additionally, I can not log into my Ally account at all. 

Currently, I am in XXXX and attempting to access my accounts from a XXXX IP address. The login attempt was made by me, not by any unauthorized individual. 

Please unlock my account as soon as possible so I can regain access to my rightful funds. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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 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. 
Also, they aren't even in compliance with Metro 2 credit reporting. 
I have evidence to prove my case!
Product: Credit card or prepaid card

I HAVE SEVERAL CHARGES ON MY VISA CARD THROUGH BANK OF AMERICA THAT I NEVER DID BUSINESS WITH AND NEVER AUTHORIZE ANY OF THESE TRANSACTIONS. I WILL LIST CHARGES AND DATES AND AMOUNTS AND COMPANY NAMES. I DID REACH OUT TO THE CREDIT CARD COMPANY WHEN ALL THIS HAPPEN BUT THEY SPOKE TO ME SO MEAN I COULDNT BELIEVE IT. THIS IS SENIOR CITIZEN ABUSE AND I WANT MY MONEY BACK. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX ALL ON MY OLD VISA CARD ENDING IN XXXX PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting or other personal consumer reports

ive dispute on website to get inaccurate address removed from from my credit file they have failed to do so. I have even mailed out an letter to dispute it via mail still nothing at what point are they going to correct my address
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXXTransUnion Consumer Solutions** Subject : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud.

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX -Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX  - Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX # # # Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

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

TransUnion phishing scam, someone hacked into my account to change password, TU refuses to allow me to do anything online in my own account including checking on the free status, putting on a free status or anything and when I call I get hung up on.
Product: Credit reporting

This item is n't mine XXXX XXXX XXXX I would like this removed