23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was late on 1 payment due to being called to XXXX XXXX, and I relocated to a different state. The notifications went to the house, and even though they contacted me via phone which I figured out later. I just completely overlooked the payment. I thought I had put that particular account on autopsy. On top of that I was paying for services I never recieved. I had just bought a home and got a bathroom renovation done, but my case was open due to them not completing the work. They didn't come back for 4 months after I signed. I'm new to this and have never done a renovation so the person who did my reno told me.to go ahead and sign and he'll be back tomorrow with the part that he needed to get my shower working properly. He had come back previously so I took his word on it. Needless to say I was paying for a shower that wasn't operable. I explained to the renovation company everything, but then when I tried to explain to the finance company they said o well you shouldn't have signed and pretty much of he didn't come I should have called them.. I wouldn't have even thought to contact the finance company. I mean if I had an issue with me vehicle I would contact the dealership not the finance company so I was just super confused.
Product: Credit reporting or other personal consumer reports

I submitted to al Three credit bureaus, my police report, my DL, SSC and utility bill. I followed all steps from identity theft gov.. I submitted prepared letter from identity theft.gv and I keep getting the same message back as verified. I asked for the proof of signed documents by me and payment history, but never received anything back. I have been doing this for over an year now, inspire of my police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Debt collection

Commonwealth financial system has place a collection on my credit report and the debt is not mine. This was already disputed and removed from my credit report, which was reported by XXXX XXXX XXXX XXXX XXXX amount of XXXX. The date was XXXX of 2013. My dispute is I have insurance and am not aware of the time frame Im seeing in my credit report. It also says date of first delinquent is XX/XX/13. Ive always had insurance, this is some type of fraud or someone used my information to seek medical treatment.
Product: Credit reporting or other personal consumer reports

midland credit mangement is not responding to my appeal totem about the invalid account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to lexis nexis by phone in XXXX of 2021 about a chapter XXXX bankruptcy that is reporting on my credit file that does not belong to me. The company claimed to have investigated my dispute and stated that the information was verified by the furnisher. After receiving their response, I reached out to the court that the information was supposedly verified by. The court stated that they could not find a record of such which matched my full name, social security number, date of birth, or address. The court also stated that they did not furnish nor verify ANY records to ANY credit reporting agencies or data reporting agencies. The problem with this public record is that it is not mine and is falsely reporting as being furnished by the recorder of deeds, the clerk of the court, or the municipal court which is not only false but also a direct violation of the fair credit reporting act. I want this record removed immediately from ALL sources
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus Equifax XXXX  and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Product: Debt collection

Amazon 's Synchrony Bank calls me more than 4 times a day and leaves a message every time. I am currently on worker 's compensation and only working part time due to having just had XXXX. I had to obtain a lawyer for this. I have expressed this to Synchrony bank and that I will make a payment once a month, although it will only be {$20.00}. I make the {$20.00} payment every month but they continue to call me more than 4 times a day. They have sent me to collections even though I make this payment and now they are threatening legal action. I was unaware I could even be sent to collections if I am making payments. At least I am making payments!
Product: Mortgage

Initiated refinance loan app XX/XX/XXXX. Paid {$470.00} fee to Amerisave on XX/XX/XXXX. Loan still has not closed as of XX/XX/XXXX. Very poor customer service I qualify for this VA cash out refi based on my great credit scores and income. I also have equity in my home. Amerisave was very quick to take my {$470.00} deposit to start the loan process on XX/XX/XXXX, and all requested documents were submitted within 30 days of starting the process. By early XXXX I began to inquire about the status of my loan and was told it was in queue waiting to be reviewed by underwriting. In late XXXX my loan originator XXXX advised me that locking a rate of 2.25 would ensure the loan would close in 30 days. I agreed to lock the rate and I am still waiting to close. Now Amerisave is not accepting my HOA CC and R documents and won't accept statements from my HOA administrator that I have no debt. I have lived in my home for many years and have done 2 previous refi VA loans with zero problems. But they stated my HOA documents dont meet VA requirements. Amerisave continues to bait and delay the process without justification.
Product: Credit reporting or other personal consumer reports

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX sent email saying contact her XXXX XXXX XXXX XXXX sent email about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, Stating that , that was a mistake in payment XXXX XXXX ( collections manager ) removed the payment -XXXX  XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have been made payment because I am running a business and need the funding for my business to continue operating.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in attachments XX/XX//2025 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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

Ally Finance XXXX XXXX XXXX, XXXX Ally Finance XXXX XXXX XXXX/XXXX/XXXX XXXX Ally Finance XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate payments being late.
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 15 USC 1681. also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
XXXX XXXX XXXX Account # XXXX Experian Account # 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US BKPT XXXX FL 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 a account without my written instructions
Product: Vehicle loan or lease

In XX/XX/XXXX I refinanced my auto loan with Ally to XXXX XXXX XXXX. XXXX XXXX XXXX got a pay off amount from them and my XXXX XXXX over nighted the pay off check to them. I received a letter from Ally in XXXX XXXX stating " thank you for your paying off your loan '' and they released the title to XXXX XXXX XXXX Come XX/XX/XXXX Ally gets in contact with me and states that i have a passed due balance. They have reported to XXXX XXXX  at XXXX days late. The balance was paid, the title was released, and i didnt hear from them until months later stating the account still had a balance. I have received threatening letters stating they will repossess the vehicle. They had reported it previously as paid in full and then have not reverted it back.
Product: Credit card or prepaid card

On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. 
I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft I contact the bureau and creditor
Product: Student loan

2008 the loan was taken out. Predatory Loan company Navient. Have resently been hit with a huge financial burden. Unable to pay. Have veen paying on and off for the 10 yrs of the loan. 
Using a debt relief program. 
Harassing Cosigner to no end. Have refered company to XXXX XXXX. To no avail, they are harassing cosigner. 
Life of loan I was never offered adjustments in payments that could realistically pay off debt. 
Now as my parents are XXXX and XXXX they are being harassed by lenders i never had to use in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I notified all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX - XXXX XXXX XXXX XXXX  and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or about XX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.
Product: Checking or savings account

On XX/XX/2018 I was informed that our Key Bank credit card was declined. Knowing that there was more than enough money in the account, I called XXXX and spoke to multiple representatives in many different departments of Key Bank. I was eventually informed that our company account was being closed because it was deemed a " risk '' to the bank to keep it open. I asked how that was possible when we have not had any overdrafts, declines, lack of activity or anything, and we maintained a positive balance at all times. I was only told that the bank " calculates these matters and makes a decision '', frustrated with the lack of any detail in the response, I continued to ask what made us a risk. Key Bank continued to tell me that they have no further information and it can not be undone, and that Key Bank has the right to close my account at any time. I asked why I was not notified of this at all. Key Bank then claimed that a certified letter was mailed to an old address of the company, when I asked for proof that anyone signed for that letter ( knowing that it is a vacant building currently for sale ), they said they have no proof that anyone received this letter. I then asked if there is any proof that anyone called the company to inform us this was going to happen? ( knowing that we had not received any such call from Key Bank ). They responded that they do not have proof of that either. So now our company account is frozen, company bills can not be paid ( including rent ), employees can not be paid and feed their families, and the balance of our account will be mailed in a check sometime next week to the abandoned building we used to occupy. I even went as far as calling the local branch we opened the account at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) -  XXXX for more details. They also would not provide me with any details as to why this is happening, nor would they provide me with any proof that they attempted to notify us of this. I informed them that is the shadiest banking experience I have ever been a part of and I do not understand how they are not violating some consumer protection right by doing this to us. No one along the away showed any remorse, nor were they helpful in any way. Our company will now suffer several late fees and penalties on bills we can not pay since our account was frozen without us being made aware of this. I very strongly feel that Key Bank should be responsible for these fees and should be investigated and forced to provide some proof that they notified us of any issue leading to our account being closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute on XXXX and followed up on XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sectio n 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction. 
Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
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 15 USC 1681. 

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 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: Checking or savings account

Citibank said process of returning funds to the issuing bank only takes 2 weeks but its been couple months they havent returned the funds that I deposited to them they refused to release it to me, and they said theyll return that to the issuer but until now theyre holding my money which is the {$1700.00}. The last email they sent me they said they dont have update, I responded to their email but they havent responded. Its very frustrating theyve been lying to me and not resolving the issue. this happened since XX/XX/2023 and until now they havent returned my money. Ive been contacting the issuer if they receive the funds but still no.