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

on XX/XX/XXXX  i sent in a request to credit acceptance explaining to them that i wasnt late. and didnt understand why it showing up that im late and i need the correct information to be reported on my account.
Product: Credit reporting or other personal consumer reports

I tried to put a credit freeze on my account but couldnt because the system o one was not working
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
Product: Credit reporting or other personal consumer reports

I am refiling a complaint with the EQUIFAX regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Republic Finance , LLC Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute of Unauthorized Account To Whom It May Concern, I recently returned from a business trip and discovered that an account was opened in my name without my authorization. This account appears to have the potential to negatively affect my credit file. Upon learning of this matter, I immediately contacted your offices to report my lack of awareness of this transaction and to begin taking steps to rectify the situation. 
To address this issue thoroughly, I will be filing a police report regarding the unauthorized account. I am also requesting that you provide me with all documentation related to the opening of this account. Specifically, I would like copies of the following : The signed contract or agreement All terms and conditions associated with the account Any verification documents, including signatures or identification used Any records of communication tied to this account Due to my concern about the potential impact on my credit score, I made a good faith payment to prevent any immediate negative reporting. However, I did so under protest and will seek to recover these funds once this matter is resolved. As I travel overseas frequently for business and may miss important notices, I acted preemptively to protect my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you cease any negative reporting of this account until this dispute is resolved. Please confirm receipt of this letter and provide guidance on how you plan to address this matter promptly. 
If additional information is required from my end to expedite the resolution of this dispute, please let me know. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only took out 6 loans total with XXXX XXXX of whom is now XXXX. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.
Product: Consumer Loan

I have asked this company to remove me from there auto dialer and to not call me unless it is a human being calling me cause we recieve calls from them while they are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have items passed on that should be taken out or Block. Per FCRA segment 605 the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including a new ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for their tenacious rebelliousness. The addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX anXXXX XXXX : US SM BUS ADMIN ODA XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, are still reporting on my credit file, again, these items were made fraudulently and I seek to have them completely deleted from my Credit File pursuant of the FCRA section 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX XXXX XXXX, NE XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX Credit Reports ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA. XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Mortgage

My mortgage servicer was changed to Mr. Cooper last year. Mr. Cooper recorded the wrong property/parcel number on my account. This caused an escrow analysis to be run, which increased my monthly payment by {$200.00} in order to make up the escrow shortage that was now reflected on my account, due to the wrong parcel number being aligned against my mortgage. Mr. Cooper paid {$3000.00} to XXXX XXXX, AL on XX/XX/XXXX, which was applied to the wrong parcel number ( mentioned above ). I received a late tax notice from my county, due to the mix up. Mr. Cooper has since paid my property tax on the correct parcel number and is now in possession of a refund that was issued back to Mr. Cooper via XXXX. My escrow account now reflects the wrong tax amount due for the XXXX tax year. My monthly payment has changed 3 times in the last 6 to 7 months, due entirely to Mr. Cooper 's errors. Today, I provided an updated county tax assessment to XXXX at Mr. Cooper 's direction. 

I have contacted Mr. Cooper countless times to get this cleared up and am told it will take a different amount of time to fix every time I call. I have explained to the customer service representatives that Mr. Cooper is in possession of money that rightfully and legally belongs to me. Mr. Cooper needs to get the correct tax information ( which I have provided to XXXX ) and update my account to reflect the correct information. 

Every time I ask if there is anyone else I can speak to about the situation, and I am told no in a round about, indirect way. I have had multiple customer service reps " schedule '' a call back time for me for a follow up. Not once has Mr. Cooper reached out to me or called me at one of the scheduled times to assist in this issue. 

I have attached a copy of my XXXX property tax assessment.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Equifax regarding their refusal to remove unauthorized inquiries and accounts from my credit report. Ive submitted several disputes along with an FTC report proving this was the result of identity theft. The following accounts are appearing on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries and accounts are damaging my credit score and affecting my ability to obtain credit. I believe that Equifax is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.
Product: Payday loan

Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized.
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 21 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.
Product: Credit card or prepaid card

Without my knowledge, my wife opened a XXXX credit card in my name on XX/XX/XXXX. I found out because I am pursuing a divorce, so I checked my credit score to get an idea of my financial health. I called XXXX XXXXs fraud department - they will not do anything to help me. They said I am responsible for this card, even though I didn't open it, nor did I know it existed and never saw one statement. My wife admitted to hiding the statements from me. After XXXX would do nothing, I asked my divorce lawyer what to do. My lawyer said since my wife admitted to defrauding me and hiding it for three years, I should request the statements ( which I have ) and pay the minimum monthly balance on the card, which I have been. The balance since I've started paying is now at {$2000.00} as of XX/XX/XXXX. I tried to seek a fair solution for both XXXX  and myself, but they left me no choice but to pay this card that I never knew existed. It is in my name and I didn't even open it. I think XXXX is responsible along with my wife, because I was not even their customer and I was still a victim of fraud they will do nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Coinbase allowed an unauthorized person to sell all of my crypto assets and immediately transfer {$70000.00} USD to an unknown location. Bank XXXX XXXX ( account linked ) returned {$1000.00}, but I have lost the remainder of {$69000.00}. 

XXXX provided my XXXX card to an unknown person who hacked into my coinbase. Coinbase is being targeted by criminals because they automatically transfer money with no hold and offer apparently complete protection for the criminal. In fact coinbase locked me out of my account for almost 2 days after the theft occurred. 

Coinbase has been uncooperative and will not refund any of the money.
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, Account # unknown has violated my rights 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a letter of Collection from transworld system Inc XX/XX/22 amount {$930.00} I have never signed my Signature or was made Aware of any transaction with this company I have a I have a statement of the account showing a {$0.00} balance with my heath Insurance information attached He also violated my HIPAA right Showing procedures I was admitted for
Product: Debt collection

As astra recovery is posting inaccurate information. Ive asked them to verify all documents 90 days and no response.
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. 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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Product: Mortgage

In XXXX XXXX I started the process of refinancing my mortgage debt consolidation knowing that my interest rate would go up. I explained the the mortgage expert several times, and was told over and over, my payment would be {$1800.00} and some change. When I got my first statement, I owed {$2300.00} and some change due to escrow charges such as insurance, taxes, etc. I was NEVER told that my payment would exceed {$1800.00}. I tried to call the company and after much time finally got a person. That was almost impossible. She explained that this is my payment every month for the life of my loan. I tried emailing the person who sold me this and received no response.