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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX Late Payment : XXXX MTG XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX  XX/XX/XXXX XXXX XXXX EMPLOYEES XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information : Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known As XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, Employers : XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ XXXX, XXXX, or TransUnion ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 10k credit limit with XXXX XXXX. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay XXXX with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! Chase also decreased my credit limit as well all around the same exact time XX/XX/ 2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Product: Payday loan, title loan, or personal loan

I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. 
I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. 
Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Debt collection

XXXX sent my name to a collection agency saying that I owe {$300.00}. There was a
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and the XXXX, I had to dispute unauthorized inquiries that has been on my report for a while. I disputed with Experian asking them how can they furnish inquiries without doing their due-diligence, in addition to that I have a security alert on my consumer report. They just deleted unauthorized inquiries within the last 24-72 hours. That mean Experian admit to having unverified information on my report without doing their investigations. DELETIONS IS ADMISSIONS. They claim they honor the FCRA but the FCRA promotes accuracy.

They are in violation of 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I am entitled as a consumer to compensation pursuant to 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. 

ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I initiated a transfer of XXXX LTC ( litecoin ) to Coinbase Pro. The transaction displayed as a deposit within the Coinbase Pro web interface after 10 minutes. The deposit was displayed for the incorrect amount of XXXX LTC and was not added to my balance. After 10 hours the transaction disappeared from the deposit history on Coinbase Pro. No LTC was deposited into my account on Coinbase Pro, the XXXX LTC was not returned to the sending address. I contacted Coinbase support and was provided a boilerplate response after 2 days that did not address the issue in any way. They refused to even research the transaction. The LTC was transfered from the Coinbase Pro generated address to another address where it still is.
Product: Debt collection

I am writing to complain about an account listed under my name by True Accord XXXX, which I believe is incorrectly reported. The original creditor for this account is XXXX XXXX, showing an outstanding amount of {$64.00}, with a reported open date of XX/XX/year>. However, this account does not belong to me ; it belongs to my mother. 

We have been cut off from XXXX services, and there should be no outstanding balance owed. I called XXXX to inquire about the {$64.00} reported, but they were unable to provide any information regarding the charge. Additionally, the account indicates it is still open, which is misleading and inaccurate. 

This situation raises concerns regarding compliance with the following laws : XXXX XXXX XXXX XXXX Prohibits debt XXXX from communicating with consumers in certain circumstances. 
XXXX XXXX XXXX XXXX : Requires debt XXXX to provide consumers with specific information about the debt. 
XXXX XXXX XXXX XXXX XXXX ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy of information. 

I appreciate your assistance in resolving this issue promptly.
Product: Debt collection

The call that broke my back is today XX/XX/2018at XXXX. 

They have called so many times using several different phone numbers to contact me. I would ask them who is calling. Several times, they refused to give me names or the company they represent. So, I would tell them to put me on the no call list and do not bother me again. However, they ignored the request and continued calling. I happened to be in my family lawyers office on XX/XX/2018 at XXXX XXXX. I gave the phone to my lawyer and asked him to inform them not to contact me. They stated that they removed me from there contact list. However, at XXXX on XX/XX/XXXX, they called again.
Product: Debt collection

I contacted Capital Accounts as it related to a negative mark on my XXXX profile, that I believe to be incorrect. I spoke to a representative who advised me of a debt that I owed and once paid, that it will be removed from its repository deleting it from my XXXX  account. The debt amount reporting on my XXXX  account is {$880.00}. It is not reporting on any other bureaus. I asked the representative to send me a contract with my signature to verify me as the owner of this account, she did not. I was sent a statement with an address that does not belong to me and a debt totaling {$660.00}. I believe this information to be false, inconsistent and incorrect and I would like it deleted from my account immediately. The negative entry still reflects on my credit profile. 

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have not received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so. There many legal violations in regards to this and I will be seeking compensation!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX  BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody stole my banking information and tried to upload fake checks and my account closed due to fraud and it wasnt me Im unable to open my XXXX account because of this revolving issue
Product: Credit reporting or other personal consumer reports

This complaint is to let you know that I've been reviewing my credit report recently and noticed all these inaccurate information in my account, this is fraud and I want these inaccuracies removed from my credit report imminently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I'm submitting this complaint by myself and there's no third party involved! Immediate response and action is a must.
Product: Payday loan, title loan, personal loan, or advance loan

Several years ago, I borrowed money from the Cash Store. They charge very unfair interest rates ( much higher than the market rates ) which made it extremely difficult to pay back. I fell into collections and the debt was subsequently sold to several debt collection agencies. I've received several harrassing phone calls, emails and text messages from whoever they sold the debt to. The ones I can remember are XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I've paid in total over {$3000.00} to these collection agencies in attempt to stop their threats of legal action. I feel like I have been taken advantage of especially because I only borrowed {$950.00} ( approx ) from the Cash Store. I made several payments to the Cash Store before my account balance reached XXXX and they were unable to collect. I've paid several debt collection agencies any balances they said I owed in connection with the Cash Store and still get calls from others even though I have several " Paid in full '' letters from the collections companies I paid to resolve this matter.
Product: Debt collection

I settled credit card debt owned by XXXX XXXX with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). XXXX wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by Cooling and Winter for ... .. NONPAYMENT. Cooling and Winter are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or XXXX never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At Cooling and Winter ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX - XXXX - {$1100.00}
Product: Debt collection

Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX; however, it was sent to collections. Portfolio Recovery (bought debt from XXXX XXXX) says I owe $XXXX  but I have proof I paid $XXXX. The date open date says XX/XX/XXXX. I sent a dispute in XX/XX/XXXX and literally that day I received a response via mail. I have contacted this company on numerous occasions, but they tell me they will not investigate.
Product: Student loan

Around XX/XX/XXXX I received a credit monitoring alert that my student loan was paid off and was reported by Mohela as having a balance of {$0.00}. My account showed a balance of {$0.00} on the Mohela web page as well. 

I reached out to Mohela and exhausted every way possible of speaking to a customer service agent to discuss this change to my credit report and was never answered in any kind of way. Because of all of the forgiveness going around I naturally assumed that I was also forgiven like so many others, and proceeded to make purchasing and credit decisions based on this new lower debt status. Then a week ago I was sent a bill with a letter that states I was taken out of forbearance, and my payments would resume as normal. My credit file was also updated to having this debt and my credit dropped because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has repeatedly reported historical information incorrectly to the Credit Bureaus THis has caused me irrecoverable harm. I have missed the oppurtunity to purchase a new home because of the Errors on the part of XXXX XXXX XXXX currently it is showing over 120 days past due however this home was foreclosed in XXXX of 2019, 4 years ago