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

XXXX XXXXXXXX Dear Consumer Financial Protection Bureau , I am submitting a formal dispute regarding inaccurate reporting on my credit file by XXXX  ( account ending in XXXX ). Upon reviewing my credit report, I found several more inaccuracies especially in regard to the payment history. The reported payment terms state : {$0.00} per month, paid monthly for XXXX  months. This is inconsistent with the nature of an installment account and does not accurately reflect the original agreement. If payments were expected or recorded, the terms should specify the correct monthly obligation rather than stating {$0.00} per month, which is misleading and incomplete. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies and furnishers are required to ensure maximum possible accuracy in consumer reports. The reporting of this account with inaccurate and incomplete terms does not meet this legal standard. 
I expect this matter to be investigated and corrected promptly. Please confirm receipt of this dispute and provide an update on the resolution process.
Product: Debt collection

Wells Fargo is reporting to the credit bureaus that I defaulted on a loan as a joint account holder on a loan I NEVER took out. IF this account was opened, it was obtained fraudulently. I never opened a loan with WFDS. This account needs to be retracted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Pa XXXX SSN : XXXX ( XXXX ) XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX XXXX XXXX Account XXXX Date openedXXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong balance on my account in which i have disputed several times. 
I have mai them proof of payment receipts. 
XXXX Also i have sent the proof of address many times and ask them to place the correct address on my report. 
I have mailed in letters XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX?, please take care of this
Product: Payday loan, title loan, or personal loan

I have had Mosaic as my lender since XXXX for my solar array attached to my house in XXXX XXXXXXXX, CO. I am currently in the process of selling the home, as a result of a lawsuit, and require the loan to be paid or refinanced by the purchasing party. I have contact Mosaic on numerous occasions. Just recently I spoke with 2 people and had two different email exchanges on XX/XX/XXXX. Now I have just spoke with another representative today XX/XX/XXXX after getting an email yesterday ( XX/XX/XXXX ) asking for information about the buyout, of which I do not have. Now, evening on XX/XX/XXXX they are asking me to fill out an online form for the requested information I have already sent them twice. It is also information that they need to get from the purchaser, not me.

On all three occasions they have all told me the same thing. You simply need to authorize the purchaser and they can do all the work. Each and every time they come back to me for more information that I do not have. Moreover, their cookie cutter emails have contact information that is no longer working and I get an automated response about when I follow their instructions. 

Closing for this house supposed to be Tuesday XX/XX/XXXX and we continue to be delayed by Mosaic, who can not keep track of my loan or the purchaser or the information I have already provided them with. It has delayed the closing the cost me more attorney fees.

Furthermore, they locked me out of my online account since I am not going to be paying the loan any longer, I have request a copy of my original loan agreement TWICE and they still have not sent it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX called XXXX/XX/XX/XXXX and did not verify any PII, but provided full SSN & DOB without receiving any information as to whom they were speaking with to discuss an account. They advised the account would be removed upon payment. The original creditor XXXX was also notified and was advised upon payment account would be removed from credit report. No such action was taken. This will be my second small claims suit in XXXX if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company, Barclays, has repeatedly pulled my credit without my consent or authorization. Every time I ask them a question about my account, they pull my credit. They have done three hard pulls to my credit without my authorization this year. I would not ask them any questions, if I knew their intention was to do a hard pull on my credit. I want all of these hard pulls to my credit removed immediately. 
BarclayBank Hard Pulls XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello my name XXXX XXXX XXXX on XX/XX/XXXX I made a payment for a service of XXXX per pay pal dollars for the payment of an initial of a vehicle which is still withheld for no reason because I am not breaking any rules since I have been with my pay pal since 2015 and my tabm seller uses a lot the same treatment to communicate with pay pal and they do not answer me the problem is that they tell me that I have to approve the purchase when I do it my pay PAL account rejected the same since the phone number that the account had no longer works .. then I proceed with closing the account and opening a new one since that is what they recommended to me .. when opening a new account the movements of my account do not appear new and then my money is retained even if there is any reason and I need them to release my money here I will put the transaction id ..Transaction DetailsTransaction ID:XXXX. My account email is XXXX XXXX
Product: Student loan

I paid off {$10000.00} toward my student loan 7 years ago and initial company, XXXX did not apply the funds to my loan. When the initial loan company, XXXX sold the loan to Navient, they had an incorrect loan amount. I have been in negotiations for over a year in between Navient and the previous company to get payment history to provide the {$10000.00} payment but since i closed my bank account more than 7 years ago, my bank does not have any documents left to provide me. While in negotiations, Navient advised me not to make any payments till we find out exactly what has taken place. Now, after a year later, they are telling me the initial company who they purchased the debt from is not providing paperwork. When I contacted XXXX, they do not want to release any of my information to me and i was told it was an internal mistake and that they will not provide any documents. XXXX said they can only provide the documents to Navient. Navient is telling me they do not have any direct way to get the documents to help us. While Navient is telling me not to make payments while in negotiations, they are reporting numerous late payments against my credit and completely ruining my ability to get any type of financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a natural person, i am a living human being, i have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the to privacy and i did not give transunion written permission to furnished these accounts TRANSUNION ILLEGAL AND ADVERSE REPORTING ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I attach my credit report of transunion adverse reporting with multiple names, addresses, hone numbers and employer. 

According to 15 USC 1681 : i have right to privacy and i did not give transunion written permission to furnish these account
Product: Mortgage

I applied for forbearance on my VA mortgage that I've had for 15 years 2 of the those last years are currently with Loancare / XXXX and I have never been late on paying. 

Side note : 2 years ago my loan was sold to XXXX Loancare and my payments immediately went up $ XXXX each month. At that time, I had called to complain about this upcharge and they came up with some excuse that I didn't understand. I found it odd my payments went up at the same time they acquired my loan where the payments had been religiously the same for 13 years before that or slowly decreasing. It came down after a year, but now is still {$86.00} dollars higher than it used to be. This increase seems unethical. 

Fast Fwd to Pandemic times ... I apply for some relief and since Loancare is disgusting they don't offer deferment they only offer forbearance. I apply for 6 months and get approved. I'm XXXX   XXXX and haven't made a dime since the first week of XX/XX/XXXX, nor have I received any stimulus or unemployment yet. 

I do more digging and research to find Loancare is really damaging people 's credit during forbearance period. Pushing people 's credit scores 50-75pts lower and to make matters worse negatively effecting co-borrowers credit as well. How is this possible given text of Cares act. Also, it makes refinancing next to impossible at any bank or loan servicer when they report forbearance on people 's credit report. So today I canceled the forbearance not even 24 hrs after I got approved for it. They said they couldn't guarantee it wouldn't be posted as in default and I need to call back tomorrow. 

This company is practicing unethical standards and really needs to be fined or shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting

agencies : 1. Identity Theft XXXX  Account Number : XXXX XXXXhis is not mine.

2. Identity Theft SPS Account Number : XXXX  This is not mine.

3. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. causing a substantial amount of money being taken from my possession, and nothing was done about it from the Cash App Support if that is real.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Hello Good Afternoon, This is XXXX XXXX I currently have an account with Chime. My account has been placed on hold for suspicious activity. This has caused a major inconvenience for me. Can something be done about this? I have submitted all required documents to get the hold uplifted more than once. Ive emailed multiples times with no response. This is my only financial institution at the time. I need to access my money ASAP. Please advise Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.
Product: Vehicle loan or lease

Toyota Financial has made it near impossible to make extra payments towards your principal balance. They used to allow me to make an additional principal payment without issue. For instance, if my monthly payment is {$370.00}, I would pay {$400.00} with {$27.00} being added towards the principal. They removed the ability online to make an additional payment towards the principal. There used to be an extra box on the payment page for additional principal payment. Now when I make extra payment, they just apply it towards the next month 's due payment not the principal balance. They are clearly doing this in order to charge more interest on the loan. It is extremely shady behavior. And when I try to call Toyota Financial, I can not get anyone on the line to discuss the matter. They have no email option to contact them either that I have been able to find. This change in policy towards extra principal payments, seems to have taken place over the last three months. Currently, I am unable to make payments using the website as I always had since I took out the loan in XXXXXXXX XXXX XXXX  No reason has been given. I have tried calling Toyota several times to fix this issue and have not yet been able to get anyone on the phone. The app on my phone is also not currently allowing me to make payments. It says there is a biometrics error on their side.
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 ( XXXX ), 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 XXXXXXXX Account Number XXXX. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX