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

I have sent in money for my payments and I'm being charged more under the base payment I have sent in extra money to bring my account up to date and to pay on the fees especially these particular dates that I have listed and the extra money was not applied to my fees and I don't understand where the extra money went. I am finding more and more discrepancies on my account and in different months. I have been calling for the past 3 to 4 months trying to get this taken care of only one person help in credit me back my money but it look like they added back on my account again these dates are a example of what I am talking about. XXXX XXXX. XXXX and is also questionable on my monthly payment for the month XXXX again these are just some issues
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a charge-off with the following details : Creditor Name : XXXX XXXX XXXX : {$3800.00} Credit Limit XXXX {$3000.00} There are several inconsistencies with this accounts reporting that I would like to address : 1. The payment history for this account shows 120 days late in both XX/XX/year> and XX/XX/year>, which is contradictory to standard reporting practices. Delinquencies should progress monthly, and this repeated status is inaccurate. 
2. The account was charged off in XX/XX/year> but still reflects an active balance affecting my credit utilization at 129 %. A charged-off account should not continue to impact utilization unless explicitly agreed upon in the original contract.

3. The reporting timeline appears manipulated, as the charge-off was delayed despite prolonged delinquency. 

Under the FCRA, all information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you investigate this account with the creditor and provide supporting documentation to verify its accuracy. If the information can not be verified, I request that the charge-off and all related negative marks be removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day timeframe.
Product: Checking or savings account

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX, telechek. My social is XXXX date of birth XX/XX/1993
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} XXXX  account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} DISCOVERBANK account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} CRDT FIRST account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$27000.00}
Product: Mortgage

In XX/XX/XXXX I was in Federal Court with JPMChase. This was an old WAMU HELOC loan. 
It was discovered that WAMU had inadvertently released my HELOC ( XX/XX/XXXX ). 
Consequently allowing a bridge lien holder to now take first position. 
Chase agreed, before The Honorable Judge XXXX, to correct this WAMU error. It was also found that that XXXX, under WAMUS direction had improperly titled the original note. Chase agreed to correct this and I could piggyback on their action against XXXX. Despite multiple emails to JPMChase, attempting to find the status of their action, nothing was ever done. Relpies were Im Checking. 

In XX/XX/XXXX I received the attached notice that the debt has been cancelled!! 
This is IMPOSSIBLE due to the fact that the debt had been cancelled in XX/XX/XXXX inadvertently by Chase. 
Chase NEVER had possession of this loan. 

In a meeting with an attorney who reviewed my documents, I was told to notify THE CFPB because this was FRAUD on behalf of JPM Chase. 

Needless to say this has caused severe adverse consequences to me.
Product: Bank account or service

I transferred $ XXXX into a online bank called BBVA Compass, because they promised me a rate of 1.10 %, after three months they knocked down my interest rate to .4 %, which I feel like was a scam to get my money into their account. So I called to transfer my money out and close my account. They told me I can not wire that much out of my account at one shot, the most I can transfer out is $ XXXX at a time and they charge a fee each time. They said I can go to a branch to get a bank check but they have no branches in NJ. They had no problem accepting my $ XXXX in one shot but now have a problem with me transferring it out. This bank sounds like a scam and I am very scared, Please help!!!
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian, XXXX, XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

AMERICAN CREDIT ACCEPTAN XXXXXXXX XXXX XXXX opened XX/XX/2018 I have disputed each account with the creditors directly, several times. They have not responded to any of my certified letters.
Product: Checking or savings account

I have a checking account with Capital One, and I have not had access to my direct deposit from my employer since Thursday, XXXX XXXX XXXX due to their system being down. The date is currently XX/XX/XXXX and I am still without funds.
Product: Credit reporting or other personal consumer reports

My student Loans were Paid of in XX/XX/year> but the credit bureau Only wants to use XX/XX/year> data and refuses to accept Email statement by XXXX XXXX XXXX Email copy showing all student loans paid in full. I sent XXXX copy of the XXXX XXXX but refuse to verify XX/XX/year> payment, paid in full.
Product: Payday loan

As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Product: Checking or savings account

I was sent to them my letter about that this debit card of United Bank was made transaction like secure. And i was provide to them my bank statment from another bank. So, i recieve ther letter that they think it was like a fraud transaction! Not a other mean purchase. OMG, bank close please
Product: Credit reporting

XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.
Product: Credit reporting or other personal consumer reports

Credit Collection Services Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 
2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties. 
3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 
4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical provider failed to bill insurance company and has shared my medical records with bill collector in violation of the hipaa. The balance due is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( OneMain ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
Product: Credit card or prepaid card

A new credit inquiry was pulled from Comenity Bank on XX/XX/2023 for " COMENITYCB/MYPOINTSRWD ''. This is fradulent activity which I have reported to Comenity Bank as of XX/XX/2023. 

The person I spoke with at Comenity bank confirmed that my social security # was used to open the line of credit under my first and middle name. They also mentioned that an address in XXXX CT was used ( I have never lived in CT ) and they did not use my correct date of birth in the credit application.
Product: Payday loan, title loan, personal loan, or advance loan

Klarna is denying me credit because of a glitch in their app. I have over {$400.00} spending power, this guys XXXX is tinkering with my account, pausing my payments. I never asked him to do that. Thanks to Klarna this has greatly inconvenienced me and my XXXX XXXXhopping. The chat representatives are claiming its an issue with credit, but credit is not the problem. The problem is identity verification with plaid, due to a glitch with plaid I am not being allowed to make the purchase. The agents have no clue what theyre talking about and need US agents for US customers.
Product: Debt collection

I checked my mail as saw that there was XXXX letters from XXXX North Carolina, the first : opened it and it was from a debt collection agency saying that the account ( that is not mine ) meets there guidelines for a placement to a law firm. The second : was a letter acknowledging a dispute and asking to file with the FTC ( in which I did after filing this complaint ) - and I attempted to call the debt collector, but was unable able to get a good connection with the costumer service person ( not their fault ), I will be trying to get in contact with XXXX XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I looked at my report. I sent a letter to XXXX on XXXX asking them to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX status XX/XX/2023 balance XXXX recent payment XXXX  monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case