23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Date XX/XX/2019 Had the account almost 5 years and just recently had gone through a hardship which resulted a late payment. This is the only late payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX, that I owed {$20000.00}. I then, IMMEDIATELY sent a certified letter asking for validity of the account before XXXX XXXX could assume the debt as mine. On XX/XX/XXXX I was notified by Transunion that the debt was now on my credit file. I then IMMEDIATELY sent a certified letter to Transunion asking for an investigation. On XX/XX/XXXX I received documentation from XXXX XXXX but it was not proving evidence that I made these such charges. I then asked for further information concluding that I made these such charges. I received nothing. I then sent a certified letter asking Transunion for a " reinvestigation '' and upon days of receiving it, they again concluded it was my debt but how? The lease states " XX/XX/XXXX keys on counter '' so how can you assume charges that were assessed over 5 months later on XX/XX/XXXX to be charges made by me? Anyone could have made those damages including vandalism. This evidence was not conclusive. Even with me pointing out the error, Transunion is still reporting the debt as mine. XXXX XXXX has not provided adequate proof that this debt is mine so Transunion should not be reporting false information on my credit file.
Product: Payday loan, title loan, or personal loan

Received loan, received 1st statement XX/XX/2021 for loan. Made {$30000.00} payment. In XXXX, there was no statement sent, no contact stating there was an issue with statements. Website showed I made a {$30000.00} payment and 1 auto payment of {$190.00}. No balance was provided, no ability to pay off account unless you guessed the balance. 
XXXX XXXX I looked, no information since XXXX XX/XX/2021. No email stating there was an issue. No way to find current balance. I wound up calling the company to find out the balance as I had wanted to pay off the account since XXXX. The company was quite aware that no statements went out in XXXX OR XXXX ... and they apologized, then let me know my current balance after my payment, had gone from {$9300.00} to {$9600.00} ... and increase of {$330.00}. 

My concern is the company : A ) Had billing statement errors, provided no notification, and no visibility or ability to see current balance, even with an active online system. 
B ) Managed to still charge interest to customers while failing to comply with federal regulations. 
C ) Provided no way to see balance or ability to pay off balance without guessing. 

I can't even call if I don't remember their name because I don't get statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been on my credit past XXXX XXXX XXXX XXXX XXXX  and equifax refuses to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX  ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this CFPB complaint to contest the fraudulent items that are listed on my credit report. Upon receiving a recent copy of my credit report, I was alarmed to discover the existence of several accounts that I neither opened nor have any knowledge of. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX XXXXXXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate the opening of these accounts nor did I authorize anyone else to do so on my behalf. I firmly believe that this is a case of identity theft, and I am currently taking the necessary steps to report this matter to the appropriate authorities. I kindly request that you provide a written response regarding this dispute and inform me of the outcome of your investigation. Additionally, I would appreciate it if you could furnish me with an updated copy of my credit report once the fraudulent items have been successfully removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit. Unauthorized inquiries that I did not consent to.
Product: Payday loan, title loan, or personal loan

XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from ACIMA CREDIT. I reached out to Acima Credit asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying Acima Credit but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where Acima Credit did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control. I have attached my positive XXXX test to this. I did not go into the ER because I was afraid. Most people who went in, didnt come back out.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 15 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions.

15 U.S.C 1681 c ( 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: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I have disputed this information in the same manner with XXXX and XXXX, both of whom have removed the accounts. However, Equifax has not taken similar action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Equifax is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Equifax is in violation of law. Equifax needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Equifax for its routine and repeated violations of law.
Product: Credit reporting or other personal consumer reports

I pulled my report and noticed some fraudulent hard and soft inquires and i would like for them to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Procollect Inc Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also ststes a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit payment plan as late for and purpose.
Product: Credit card

I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''
Product: Credit card or prepaid card

On XX/XX/2023 between XXXX and XXXX, I had a group call with my two aunts and myself to Citizens Bank regarding obtaining the payoff balance on my credit card. The Citizens Bank agent quoted us a payoff balance of {$2900.00} since we told her that we would be stopping into our local Citizens Bank office the next day to payoff the balance on the account. We went into the Citizens Bank office on XX/XX/2023 and gave the clerk Check # XXXX in the amount of {$2900.00} paid from my aunt 's bank account ( I reimbursed her in cash later ). The Check for {$2900.00} posted to the credit card on XX/XX/2023 and then on XX/XX/2023 I received a credit balance refund from Citizens Bank to my credit card account since we actually had overpaid the balance on the account. I did not use this account at all since the date we paid it off since we were paying it off so that I would not use it again until I really needed to use it. Then on XX/XX/2023 Citizen Bank added interest charge-purchases fees of {$9.00} to my account and also closed out my account so that I could not even use it if I wanted to. I have no idea what the {$9.00} in interest charge-purchases are for since I did not make any purchases nor did I have any balance on the account after receiving the credit balance refund from the bank on XX/XX/2023. This error is affecting my credit rating and according to the FCRA requirements, Citizens Bank needs to accurately correct the credit reporting of my payment history on this account and not show it as a charged-off account since I paid the balance off in full and was intending to use this card in the future before they abruptly closed out the account. Please have the bank correctly show my balance as paid in full {$0.00} as of the date we paid off the account ( XX/XX/2023 ) and have the bank update the credit furnishing data for me to the three major credit reporting agencies so that it does not show me as being delinquent or having a charged-off account since that is not accurate. I should not be owing a balance of {$9.00} for any reason and that must be removed from my account since it is also not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company National Credit Adju National Credit Adju Collections - summary XXXX XXXX XXXX Account Number XXXXXXX Original Lender National Credit Adju Agency Name Date Assigned XXXX XXXX, 2018 Original Balance {$2200.00} Current Balance {$2200.00} Responsibility Individual Status Comments Consumer disputes this account information, Collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't open the accounts somebody else must to open the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I came across unauthorized inquiries on my TransUnion credit report. I contacted XXXX XXXX  and they said there is no record on their end. I also contacted XXXX XXXX and they said to send a letter stating that the inquiry was fraudulent, I did that as well but no action has been made. They still seem to show up on my credit report. 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report dated [ insert date ], I have identified the following items that I believe to be incorrect : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and I am requesting that you conduct a thorough investigation of these inaccuracies. According to 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receiving this letter, and I expect to receive a written response indicating the results of your investigation. 

I have enclosed copies of documents that support my claims, including credit reports from XXXX credit bureau.These documents substantiate my position and demonstrate the inaccuracies present in my report. 

Please ensure that you notify the furnishers of this information of my dispute, as required by the FCRA, and that you provide me with a copy of my updated credit report should any changes be made as a result of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

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

This morning, I noticed some unauthorized inquiries on my credit report, which I did not expect. After checking my report as usual, I was shocked to see errors that hadnt been there before. I refreshed the browser to rule out a glitch, but the issues persisted. I am urgently asking that the documents I submitted be carefully reviewed so I dont have to worry about this again.
Product: Debt collection

It was a account with XXXX XXXX. The account was transfer to XXXX XXXX XXXX XXXX. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that XXXX XXXX XXXX purchased this account from XXXX. The XXXX at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXXand paid on XX/XX/XXXX. They shouldn't be reporting debt. Plus they had XXXX XXXX collecting without knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reported my credit with XXXX XXXX that my car payment owed was down to {$2000.00} and my score was adjusted. Recently my score changed 29 points and Transunion is still reporting that I owe {$5800.00} which they just sent me a report which it says. I have reached out to XXXX XXXX XXXX at XXXX and the balance is {$2000.00}. Transunion says they have no updates to this yet I have a reciept and verified account info.
Product: Payday loan, title loan, or personal loan

I gave the company a check as a form of payment and the lady sent my check in before my direct deposit was put in my account and the credit union I bank returned it back to the company and now the manager at the loan company talking about everything is coming due all at once instead of putting it at the end of the installment payment because this is the first time my payment was returned because all my other payments was paid she is being difficult to work with on this account that I got approved with XXXX XXXX and tower loan is the finance company for them I only have XXXX payments left to pay but tower loan is being hard to negotiate with me please help me with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you XXXX days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.