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

I took out a title loan last year around XX/XX/XXXX the hardship was concerning having to get a loan to pay off a bill. the loan was for {$900.00} dollars. I was on time but missed a few payments by XXXX day which caused my loan to rise and made it harder to manage to pay.In XX/XX/XXXX my bank account was deeply compromised and all my funds in each banks had to be closed .My social security number was found to may have been also compromised XXXXThere credit applications for housing in New York as well as large purchases in restaurants and lumber transported to a an address in XXXX. I filed a complaint with the banks that the accounts were compromised and an investigation was set in place. I contacted all business which included TitleMax who added another signing raising the amount owed. Then on the next month I received a letter from Title Max that my file with them may have been compromised.There wasn't a change in their policy that was set aside for my concerns.I could not pay them the XXXX and called the Georgia Customer Office who told me that they do not handle cases such as mine and that i should contact the Title Max in XXXX Georgia .I did as such and the agent there was not of my care or concern and we were soon screaming into the phone that the notice sent did not have anything in place for bank issues or any other way to fix my problem that progressively I would have to pay an upgraded fee and that I am still locked into this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor has been posting my payments XXXX XXXX but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report.
Product: Mortgage

In XXXX of this year PRMI said i was late twice so they messed up my credit rating of XXXX to XXXX i argued for XXXX months they corrected the XXXX months then said i was XXXX months late again which i was not and lowered my credit rating again. i showed proof i was not late but they refused to budge then sent me a foreclosure notice and i had such a bad XXXX XXXX i had to go to the XXXX. now I'm on XXXX  when i have never taken medication before and they sent me a certified letter again saying they were foreclosing and they were taking my house on the XXXX of XXXX. I called to tell them that I sold the house and she called me a liar and hung up on me. I called back and sent an email copy of my bank stating these cashed cashed checks she still says I'm late. I'm not. The house closes on XXXX XXXX th and i told her i would never use her company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account holder has the same name as me. That's it. This is not my account. There is no account number or address on the report. I do not and never have had an account with XXXX XXXX XXXX with a {$7500.00} limit. I have reached out to TransUnion three times since XXXX. I have not even received a response, much less a resolution. I am attempting to refinance my home and this is dragging down my credit score. 

ENDERTYPEBALANCE XXXX XXXX XXXX 120 DAYS LATE Credit Cards {$8300.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$1000.00} Account Details Bureau Name XXXX XXXX XXXX Account Type Flexible spending credit card Responsibility Authorized User Credit Limit {$7500.00} Credit Used 111 % Available Credit {$0.00} Highest Balance {$8300.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$280.00} Payment Frequency Not Reported On Time Payments 88 %
Product: Debt collection

This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Product: Credit card

These inquiries were made on my Equifax credit report without my knowledge. 

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 XXXXXX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : WFC Account Number : XXXX and list of Inquiries. 

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

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protections laws, and i request your assistance in investigating this matter to ensure my rights are upheld. thank you.
Product: Credit card

I am writing to formally dispute the accuracy of the information reported by USAA to the credit reporting agencies regarding an alleged charge-off on consumer report. After reviewing my credit report, I discovered that this information is both inaccurate and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ). I am attaching my request for an official review and deletion of this deragotory trade line from my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Return Credit Score to XXXX Credit Score Jail XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to contact Equifax in reference to several Hard Inquiries that were observed on my credit report. These hard inquiries were unauthorized, fraudulent and were done without my consent. Please delete from my credit report immediately as this is damaging my credit score. I am also requesting for the security alert to be removed from my credit report. As I am unable to contact Equifax. A security freeze will be applied by me once the security alert is removed. 

XXXX XXXX XXXX ( 2 ) XXXX- XXXX - ( 2 )
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. XXXX. XXXX  ( Account XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed 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  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply can not comprehend how Equifax punishes someone for doing the right thing. Recently, I paid off a credit card, and also paid 3 XXXX XXXX XXXX off for less than the actual amount owed, freeing up over {$15000.00} of debt. A reasonable person with common sense would naturally think by doing the right thing, their credit score would increase, but with Equifax, I lost a lot of points. I understand a person losing points for not paying their bills on time, as well as using a form of credit line, but it doesn't make any sense at all for the person to have further points deducted for doing the right thing. I have tried to speak with someone at Equifax concerning this, but good luck speaking to an actual person. Not only is their customer service pathetic, but it also seems so is their grading structure. Based on my experiences with Equifax, there simply isn't no way for me to increase my score when everything I do that is considered to be right, I get punished by having more points deducted. Someone, or an agency, needs to step in and make the necessary changes so that people like me, who are trying to do the right thing, doesn't get punished for doing so!
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named Consumer Adjustment Company placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with Consumer Adjustment Co. or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said Consumer Adjustment Co. said it was accurate information. The reviews by XXXX and XXXX are pending.
Product: Credit reporting or other personal consumer reports

this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX XXXX XXXX XXXX, or SXXXX furnished on my report.
Product: Debt collection

Hello, Recently I noticed a debt for collection on my credit report that is not mine. It states that the original creditor was XXXX. I have several current and closed accounts with XXXX and I do n't have one in collection or have I ever had one in collection. I am unsure on whom I should contact as the account number is not complete.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with XXXX hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 Credit Reporting Bureau Dear Sir or Madam ; I disputed the referenced accounts above on ( date you sent them original dispute letter ).  The credit report of ( date you received notification it was removed ) the letter sent to me by you shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

The item Debt Collector Original Creditor Balance Owed Credit Items XXXX/XXXX  Account Number : XXXX .... 
Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. 
Per previous dispute Furthermore this account is a fraudulent account and need to be removed immediately *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DOB XX/XX/XXXX