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

XXXX XXXX XX/XX/XXXX TransUnion Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Fraud Division, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness.

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

I have a complaint about One Main Financial. I have recently had trouble with them, and XXXX is extremely rude when I question anything about my account. I have got to where I refuse to talk to him. He also calls my phone so much it is borderline harassment. When I do not answer after calling literally every minute for 5 minutes straight they call my mom and tell her a crazy story about my account. I go on the website and set payments up for the next month. Whether it is every two weeks or every week. I have never had issues like I am having now. I paid my XXXX payments in 2 payments, but now the office here is saying I did not pay it. My past payments show I paid it, and then it shows a reversal of the payment. How did that happen when I did nothing to reverse it? I also have nothing on my bank account showing where it even tried to go through since they are trying to say they got my payment back, saying it was NSF. My bank said these payments never came through the bank. I get paid the night before making the payments, so I know the money is there. I have proof of all of this. Something needs to be done quickly. What can be done? Now I am being told the way I make my payments each month is not good enough. In 2 days my payment will be complete for XXXX and they are telling me it is not good enough.
Product: Money transfer, virtual currency, or money service

The Abra cryptocurrency app held a XXXX podcast event on XXXX XXXX  XXXX. All participants who submitted their Abra Wallet ID into the chat box were promised a XXXX bonus payout. I was one of the first 20 participants to do this. It is now XX/XX/XXXX and I still have NOT received anything. I even submitted screenshots to prove my participation which clearly shows my XXXX username and Abra Wallet ID. I have contacted Abra support only for them to keep telling me to wait. I have been waiting long enough and I am tired of waiting. It seems like Abra is stalling because they do not want to honor the payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inquiries that I did not consent to, authorize, nor benefit from.
Product: Credit card or prepaid card

I ended my relationship with XXXX when I found out the owner of the XXXX XXXX location that told me I could not rent without the additional insurance. He was lying to me forcing me to purchase additional insurance and discriminating against me. Knowing my company already pay for and cover my insurance. Also their corporate office charge you for tickets and tolls twice after you pay. They constantly try to recharge. XXXX would not meet half way in understanding their mistakes nor battery issues. So I went to XXXX and started a relationship to get a car to work. I went to Capital One with my issues. The noticed canceled the card returned both amounts. XXXX weeks later XXXX tried to do the same thing and was stopped denied charging as should. A few days later on the same closed card that had been closed for days and was locked until the new card arrived Capital One let charges go through my account. I called and they were returned but now I am being told by Capital one the company that breeched my information that they can not help. But I am A lot confused to how a closed/canceled card and a locked account is charged after I tell you I have issues with this company.
Product: Consumer Loan

I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX
Product: Debt collection

No notification of this debt and the date and information is incorrect. This debt is old and past the timeframe to report. Also no verification or calidation
Product: Mortgage

I have been trying for many years to settle the fees and to try to extend my loan to pay the missed payment at the end of the loan. They would not help or try to do anything to help. I have over {$2500.00} in late fees. I am XXXX and on a budget. I am also trying to figure out how I took out a XXXX dollar mortgage loan in XXXX. After 20 years It shows I still owe XXXX. It seems like after almost 20 years it should be much lower. I feel it has something to do with the way they post my payments since according to them it is late every month. Someone please help.
Product: Vehicle loan or lease

I have a vehicle loan with XXXX XXXX for account # XXXX. On XX/XX/2022 my vehicle was repossessed incorrectly. They were claiming that I had not made a payment for 66 days and my account was past due. I told them that was inccorect and provide all my conformation # 's for my payments that were made. They checked their system and saw that I was correct and said they would bring my vehicle back and unwide the repo from my credit and any fee 's due to this mistake was going to be removed.. On XX/XX/XXXX they sent me a letter stating that due to my lack of payment on the account they were going to be selling my vehicle on XX/XX/2022 on or around XXXX XXXX I called and they explained that the letter generated " Before '' they could unwind the repo because they are busy and it takes days to complete something like that. I asked them to guarentee me that my vehicle would not be picked up again and that this was coming off of my record and they said yes. Now here we are on XX/XX/2022 and I received an email stating that I owe {$1500.00} and that out of that amount supposedly some of it is fee 's from the repo. The amount and the fee 's are both totally incorrect and I am in fear that they will repo my vehicle again incorrectly. I need all the fee 's they are claiming incorrectly off of my account, the repo unwinded and for me to stop getting incorrect emails. All this is causing so much stress on me. I am constantly having to call them when I get stuff like this which resolves nothing because I can't ever speak to a manager and all the " Customer Service reps '' are always extremely rude.
Product: Debt collection

Hello, I originally submitted a CFPB complaint on XX/XX/2019 against XXXX XXXX XXXX., a  company that I am not familiar with after checking all three of my credit reports. I check my Equifax credit report on a recurring basis and it appears that in XX/XX/XXXX/XX/XX/2019, XXXX XXXX XXXX. added an erroneous, negative collection account against me. This company responded to my CFPB complaint by sending a letter postmarked XX/XX/2019 stating " Our offices are in receipt of your request for verification. Enclosed is a copy of the billing statement provided by our client to confirm the charges. '' The enclosed bill that XXXX XXXX XXXX. sent to me is an Itemized Statement of Charges for XXXX XXXX. XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. This is a blatant HIPAA violation! 

Furthermore I spoke with an Equifax representative today ( XX/XX/2019 ) and he stated that Equifax actually updated this erroneous negative collection account as VERIFIED AND ACCURATE on XX/XX/2019, several days after XXXX XXXX XXXX. sent someone else 's bill. It appears that this is the information that Equifax based its ' verification on, given the fact that Equifax updated the report days after this letter was received. 

Equifax is not actually investigating the validity of accounts that are being added to a consumer 's report. How is it possible for this company to send inaccurate documents to Equifax that do not contain my personal information, and Equifax returned it as Verified? 

I would like for Equifax to hold this company XXXX XXXX XXXX. accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because Equifax didnt actually properly verify that this debt truly belongs to me.
Product: Debt collection

XXXX XXXXXXXX is a loan company that says I took out a loan in about XXXX. They said now it is in default and out for collection. Since XXXX I've NEVER ONCE heard of t his debt. I asked them for a copy of my signature to verify it is mine but they don't respond. On XX/XX/XXXX I asked them for my address on the loan to verify I lived there. They said they couldn't give me that for " Security Reasons. '' They did give me access to my account data to verify it is mine and when I entered their key, it came back as " invalid. '' In another email on the XXXX it came back " Blocked. '' I looked at their website and it has a big warning from XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote the Office of the Attorney General in Montana. On XX/XX/XXXX I received a call from the Office of the Attorney General. They view this as a scam and told me not to send any info or money. I haven't. They then gave me your number to report them. The company is called Target cash Now. Their address is XXXX XXXX XXXX, XXXX, Montana. Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX XXXX following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting.
Product: Debt collection

Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account.
Product: Debt collection

I was advised that I have two repossessions on my credit report. One of them was with Honda Financial in which my father was the co-signed for me. He paid the debt in full in a month or so in XXXX. I was not aware this was on my credit report. 

Secondly, I had an automobile financed with XXXX XXXX XXXX that was paid off in XXXX. They attempted to reposes a vehicle I had with them but I caught up the payment and they withdrew the repossession order. They car was later paid off by the insurance company due to it being totaled.
Product: Student loan

I started my payment at $ XXXX a month and then I received a letter stating that my payment is $ XXXX a month which is over my budget.I had try to make arrangements with them of the amount that I can afford to paid monthly but I they want agreed with that payment.
Product: Credit reporting or other personal consumer reports

Equifax continues to report fraudulent inquiries on my credit report. I have been a victim of identity theft and these inquiries do not belong to me. I did not give consent to the following credit entities. These inquiries need to be removed from my credit file immediately. 

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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened with XXXX XXXX XXXX  on XX/XX/XXXX, an installment loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, and a hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or any of the hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account number beginning in XXXX, XXXX XXXX XXXX XXXX, account number beginning in XXXX, XXXX XXXX XXXX XXXX, and account number beginning in XXXX, XXXX XXXX XXXX due to illegally reporting my information without my permission on my credit report due to the Fair Credit Reporting Act Section 605B. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed as it is affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To whom this may concern, 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 XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). I was victim of this bondage starting in XXXX of XXXX and was not freed until XXXX of XXXX. 


I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from all of my credit reports for myself XXXX XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only phone number is XXXX and my only address should be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2022, XXXX XXXX XXXX performed my XXXX XXXXXXXX. Prior to the XXXX, I had changed my insurance provider from XXXX to XXXX and had informed XXXX XXXX XXXX about this change, and provided the new insurance card ( have proof via email screenshots ) Unfortunately, their office failed to get pre-approval from XXXX before the XXXX, and XXXX refuses to fulfill the XXXX claim till today. Last year, I had also reached my out-of-pocket max through multiple co-pays, XXXX XXXX, XXXX facility fees, and XXXX XXXX. 

As of XX/XX/XXXX. XXXX XXXX office officially sent the XXXX bill to collections, and I have disputed the claim. XXXX is also trying to get in touch with XXXX XXXX office since this violates their contract agreement since XXXX XXXX was an in-network provider.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment showing on my credit report from a credit card company that never occurred, it is from XXXX of 2016. I have attempted to dispute this error with both the credit card company and the credit bureau, experian, and they haven't removed the information from my credit report. Experian wants me to submit additional documentation, I'm not sure how a consumer submits documentation regarding something that DIDN'T happen. Shouldn't the creditor that is furnishing the error have to provide documentation that there was in fact a late payment. I need this error removed from my credit report.