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

Back in XXXX, I was having a difficult time making payments due to being out of work. I contacted Upstart for a deferred payment which they granted by making my payments smaller, in XXXX and XXXX. Because I was still trying to catch up from not working, I made two payments in XXXX for XXXX, one in the amount of {$100.00} on XX/XX/2022 and one on the XXXX for {$70.00}. In XXXX, they charged my account extra fees billing me from XXXX XXXX, however they never applied my XXXX payment which I paid in late XXXX as listed above. I have since then made my payment for XXXX, still being due for XXXX and XXXX, however even though I sent them a copy of my bank statement showing them I made XXXX payment in late XXXX, they still have not credited my account and begin showing me 95 days late as of XXXX, even though I made XXXX payments, which they still have not credited, not do they seem to show any receipt of my payment on their end, despite my sending them a copy of my bank statement showing I made the payment.
Product: Credit card or prepaid card

I contacted American Express requesting assistance with the number of late fees incurred during COVID-19 and they refused to retroactively credit my account. I have been unemployed and struggling to make payments like many Americans but this company refuses to acknowledge that there is a serious problem and that it will accommodate customers during a financial hardship. I have worked with other banking institutions who have removed all late fees during the COVID-19 pandemic and have taken steps to request even a deferment. I would like that American Express to honor its oath not only to American but to XXXX who put there XXXX XXXX XXXX XXXX to XXXX XXXX
Product: Mortgage

My deceased husband took out a home equity line of credit with PNC bank. I offered them a one time settlement and provided them with all the paperwork that was necessary. In stead of even reviewing the case, and saying I can only short sale or deed in lieu. 

I do not want to short sale or deed in lieu. Again, my deceased husband took out this loan. They did not even ADDRESS my settlement. I received a canned answer of the options they offer. 

Neither of these options are viable. I believe PNC BANK is just going thru the motions pretending to offer SETTLEMENT OPTIONS and sending canned letters, otherwise they would have addressed my settlement offer, stating yes, no, or they will accept xxxx amount of dollars.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a complaint that Transunion has STILL failed to update my credit report to show NO LATE PAYS for the XXXX XXXX  credit card account, despite having received notice from the furnisher requesting that Transunion delete the 30 Day Late Pay ( from XX/XX/2019 ), and despite the fact that the other two credit bureaus ( XXXX and XXXX ) DID delete or change said tradeline for XX/XX/2019 to no longer reflect a 30 day late payment. 

According to the FCRA, THE BUREAU IS REQUIRED TO MAKE CHANGES PROVIDED BY THE FURNISHER AND CAN NOT KNOWINGLY PUBLISH INACCURATE AND DERROGATORY INFORMATION ABOUT A CONSUMER. 

I have provided BOTH MY XXXX AND MY XXXX REPORTS as attachments to show that Transunion is the only one that has not corrected this innacuracy. 

Moreover, I have also provided the written correspondence provided to me by the furnisher ( XXXX XXXX ) showing that XXXX XXXX contacted each of the three bureaus requesting a correction.
Product: Checking or savings account

I was a victim of a high dollar banking fraud. 
On The evening of XX/XX/XXXX I received a phone call from the XXXX Wells Fargo number posing as a Wells Fargo employee. They were able to have me transfer XXXX transactions of {$2000.00} totaling {$10000.00} into their XXXX XXXX. As I understood them to say that there were fraudulent transactions on my account and they needed to move my funds to another account in order to protect me.

Wells Fargo is in the process of investigating. Claim number : XXXX. There is a possibility that these funds will not be recovered. 
As I am retired this was more than half of my income for the next year.
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 items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items 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 items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Service Finance refuses to update my credit reports with the correct Balance I have filed many disputes
Product: Debt collection

Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have to request for my balance to reflect correctly with each credit reporting agency each month. XXXX XXXX reports on time, they've provided proof. For whatever reason the reporting agencies delay updating the account the account information ; there is a 60 day delay. The balance owed is incorrect, I only owe {$470.00} to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting an account from XXXXXXXX XXXX XXXX ON MY credit file this account and balance do not belong to me I would like this account removed D E Executive Office of XXXXXXXX XXXX XXXX To : You Mon XX/XX/XXXX XXXX XXXX  Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the Executive Office of Customer Advocacy and leadership members at XXXX. To ensure your concerns are handled, I've forwarded your email to me within the Executive Office of Customer Advocacy at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX Equifax Data Breach, and this account was established due to that breach. We will request that the XXXX major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX XXXX  to XXXX XXXX ( ET ). 



Sincerely, XXXX Executive Office of Customer Advocacy xecutive Office XXXX XXXX Card Services To : You XXXX  XXXX XXXX You Your Inquiry to XXXX
Product: Credit card

In XXXX of 2015 I was approved for a Discover Card, which I have used responsibly. I have always made my payments on time and never gone over my limit. Well, Twice in 2015, Discover Card lowered my limit in an unjustifiable manner. Each time they lowered the limit so low as to make it seem as if I was maxing out my Discover Card and this was not the case. Each time they lowered the balance in this manner it makes it seem like I am managing my credit card poorly and causes my credit score to go lower because it looks like my card is maxed out. I find it completely unacceptable that they can do this to this customers without any regard to the long term impact their customers will suffer from doing this. Twice, they have lowered the limit to {$29.00} above the new lower credit limit they have set for me. I started out with a limit of {$1000.00}. Then, Discover lowered it to {$780.00} and left me {$29.00} available and once again they have lowered it to {$500.00} and left me {$29.00} available. I pay my cards with the intention on being able to use them again if I should need them, but Discover Card 's activity really makes me regret working so diligently to keep things paid down. I am now preparing to purchase a second home and I have to wonder what this sudden decrease is going to do to my credit score. It is truly a sad thing that customers have no protection against the decisions of these big card companies. I do n't know if the decision to lower my available credit is based on racial profiling or not. I could understand if I was late on my payments or constantly going over my limit, but neither of those are the case. I have a great job, making $ XXXX a year, and that is not including my spouses income. I am just confused by this entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to this company on or around XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX results came back that they refused to reopen an investigation due to me pervious disputing. XX/XX/XXXX I resubmitted a dispute letter as ask explaining my reason for reinvestigation with proof that the verification didn't actually take place and supporting documents as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court XXXX XXXX has disclosed they do not report or verify to any credit reporting agency.
Product: Checking or savings account

small charitable distribution withdrawals from large IRA at TIAA are rejected despite repetition on line and on phone and by email
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, XXXX  and Equifax disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a hand written letter to Transunion exactly a month ago regarding some hard inquiries that was reporting on my credit report that wasn't mine. I called yesterday to talk to someone about it, and I explained to them that I did not authorized any of the inquiries and that they should be deleted, by the way I talked to someone in the fraud department. I was told that the inquiries would be deleted within 24 hours and that they would send me an email and they would also be sending out a updated report of my credit. 24 hours passed so I called again just to make sure things were still in motion. I talked to a supervisor who I explained my problem too. He told me that what his employee told me was inaccurate and that my hard inquiries would not be deleted. I just don't understand because if someone told me something how can you just say otherwise. I also asked if the calls were recorded and also asked could he see that I spoke with someone yesterday and he said no. Now I don't have a recording of the call but thank god I took a screen shot of the time and date of the original call when the representative explained to me that my hard inquiries which I didn't authorize would be deleted within 24 hours.
Product: Credit reporting or other personal consumer reports

I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me. I demand damages for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. Details of the Dispute Disputed Item ( XXXX ) : XXXX XXXX XXXX Account number : XXXX. The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. Copies of any and all documents used to verify the disputed information. Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Credit card

After receiving collection letters, I submitted complaint to a credit bureau. The account ended up just disappearing and their customer service has no idea what happened or how to look up the account. 

I have even attempted to request my data under state data privacy laws, but the company has not provided the data and has not even made an option for data requests from anyone from my state.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send m
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : XXXX. XXXX XXXX XXXX XX/XX/year>. XXXX : XXXX XXXX XXXX XX/XX/year> XXXX : XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being. I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities. I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation. I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

There is a list of hard inquiries appearing on my consumer reports that I did NOT authorize and were NOT verified. These hard inquiries are negatively impacting my consumer report and overall credit score. 

These inquiries DO NOT have permissible purpose : Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY. 

15 USC 1681b Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 

*** I am NOT disputing auto loan inquiries dated XX/XX/XXXX as these are REAL and I DO validate these ; inquiries dated XX/XX/XXXX are directly related to my vehicle which I still drive. 

*** I am NOT disputing any of the US Dept of Education, XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiries as those are directly related to my XXXX XXXX XXXX  education, and those are REAL and I DO validate these. 

PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY.