23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan from Uprova Credit on XXXX/XXXX/1024. The loan was for approximately {$1200.00}, and I later discovered the annual percentage rate ( APR ) was extremely highat 546.03 %. I am a resident of Massachusetts, where lenders must be licensed and the maximum allowable APR on small loans is 23 %. 

To date, I have repaid approximately XXXX, and the company claims I still owe XXXX towards my principal. Uprova is a tribal lender and, as far as I can tell, is not licensed to operate in Massachusetts. 

I contacted them to request information about their license and to question the legality of the loan in my state, but I did not receive a clear response. I am concerned that this loan may be unenforceable under Massachusetts law and that I may have been subjected to illegal lending practices.

I am requesting that the CFPB investigate this lenders actions and help determine whether the loan should be considered void. I am also seeking relief from any further collection activity related to this loan.
Product: Debt collection

this account was included in a BK XXXX and has since been discharged. this debt was just recently been place on my credit file and should have never been placed on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification under federal law asking XXXX, XXXX and Transunion to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.
Product: Checking or savings account

I have money with navy fed for 3 years now. My friend sent unemployment money to both the checking and savings accounts. The bank said it was scam and they couldnt release the money. They closed the account but the money is still in there. I wanted to know if its possible to get the money back. I receive statements every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, paXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ACCOUNT NUMBERXXXX. 
ORIGINAL CREDITOR : XXXX Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Mortgage

In forbearance due to COVID from XX/XX/XXXX. I was told that I would not have to make a payment until XX/XX/XXXX. Due to this being my first time going through the process, I relied on the support of my mortgage company during this very scary and difficult time. I was asked to pay all skipped payments when forbearance ended and I told them I wouldnt be able to do that. They sent me a packet for a partial claim. I called several times to ask questions about the package. I mailed it back by the due date. 

XXXX I received a call that because I havent paid any of my payments since the forbearance ended in XX/XX/XXXX and they were reporting me to the credit bureau. I told them I was told XX/XX/XXXX would be my first payment. I asked about my options and I was told I didnt have any since the partial claim was still being processed. I was told I could do an extension of forbearance after it was processed and my account brought current. I panicked and made payments to bring my account current from my emergency savings account. I was told that the forbearance ended XX/XX/XXXX. 

XXXX in the process of refinancing mortgage for an affordable rate. Loancare has provided new mortgage company XX/XX/XXXX-XX/XX/XXXX. 

XXXX called Loancare to see why they are giving the incorrect date and was told by XXXX that the person I spoke to on the phone in XXXX decided to extend my forbearance after the partial claim was processed. I did not authorize this. I have been on hold trying to resolved this for 4 hours.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my XXXX XXXX  account with GS Bank USA. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/year>, my Apple Card account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using 115 % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law. 

Failure to Address Fraud : Following their internal investigation, GS Bank USA concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately. Any negative impact on my credit score, incl
uding late payments, is removed as per FCRA guidelines.

All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue.

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation took more than 30 days. They refuse to respond to that. Th investigation by law can not take more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX   XXXX  XXXX {$2700.00}
Product: Debt collection

I made a settlement to professional Debt Mediation in the amount of {$1900.00} for account XXXX on XX/XX/year>. However till this day XX/XX/year> the debt is still reflecting on my credit report impacting me negatively. I have provided the Satisfaction letter and want the debt removed from the Bureaus immediately.
Product: Credit reporting or other personal consumer reports

Complaint Statement to CFPB Regarding Unauthorized Credit Inquiries I am submitting this formal complaint to address unauthorized and unverifiable credit inquiries appearing on my credit report. I did not consent to or authorize any company, financial institution, or car dealership to access my credit profile for any reason. These inquiries are fraudulent, unrecognizable, and must be deleted from my credit profile immediately in accordance with federal laws and guidelines. 

Attached are the following supporting documents : FTC Identity Theft Report Government-Issued Identification Passport These documents verify my identity and support my dispute. According to the Fair Credit Reporting Act ( FCRA ) and relevant federal regulations, credit reporting agencies are required to block and remove fraudulent information from a credit profile within four ( 4 ) business days of receiving an identity theft report and supporting documentation. 

Fraudulent Inquiries to be Removed Immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under FCRA Section 605B and the timeframe established by federal guidelines, these fraudulent inquiries must be investigated and removed from my credit report within four ( 4 ) business days after receiving this dispute and the attached FTC Identity Theft Report and identification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps displaying wrong employer on credit report. XXXX XXXX is innacurate and needs to be removed. Company says I did not list employer to be removed so they could not handle complaint, which is false. XXXX XXXX is on evey complaint thats been filed.
Product: Vehicle loan or lease

The moment that I realized this fraudulent activity on my account was in the later weeks of the month of XX/XX/2021. The dates that I see the accounts were opened with Santander Consumer U.S.A. is XX/XX/2021. With a balance of {$40000.00} for what seems like a vehicle. After discovering this, I quickly started talking to family members and trying to figure out what I should do with this fraud that is appearing on my account. I was battling with XXXX for about 6 months, paying them monthly for trying to help me get this situated, but that amounted to nothing. Since then Ive had to deal with the dark shadow of someone elses dirty work and suffer with not being able to move forward with my credit. 

I believe that it is worth noting, that back in XXXX of XXXX  I misplaced my wallet at a XXXX restaurant and immediately after I understood I had lost my wallet, I contacted the local police department to make them aware that my wallet had gotten lost and that it had all of my personal identification items in there, such as, my drivers license, my work authorization card, along with my social security card. 

So it was no coincidence to me that just one month after my wallet is lost and stolen, there is fraudulent activity now attached to my name. All Ive ever wanted since that day was to get this issue that I had absolutely nothing to do with, to be resolved. So Im hoping that I have finally found the holy grail, in you guys!
Product: Credit card or prepaid card

Amex charges me a RENEWAL MEMBERSHIP FEE of XXXX on XX/XX/XXXX and canceled my account in XX/XX/XXXX. I didn't receive membership services for which I was entitled to as a member. I have contacted Amex on six different occasions to have this fee removed.
Product: Debt collection

TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERRORS. MY CREDIT REPORT IS SUPPOSED TO 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT THE CASE. PLEASE REIVEW THE DETAILS IN THE FILES.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX
Product: Vehicle loan or lease

When I leased my XXXX XXXX XXXX from XXXX XXXX XXXX, I was told I would have the option of ending the lease early. XXXX XXXX XXXX said to stop in any time in the last 3 months of the lease. The lease was to end in XXXX so in late XXXX, I stopped by dealership to talk about turning it in early and possibly getting another vehicle. In considering a new vehicle, the dealership added in charges for the last 3 months of the lease on the XXXX XXXX. I emailed and said that had not been what I had been told and I wasn't happy with the bait and switch and would be looking elsewhere. I had been a customer of theirs for several years. XXXX XXXX XXXX 's Finance Manager emailed me and said that as they had made an error they would cover the last 3 months of the lease. I asked if there were any contingencies and they did not give any. Thus I turned in the vehicle. All I signed for in turning in the vehicle was the mileage on the odometer as one does when trading in or turn in any vehicle. I then received an invoice from Ford which included mileage overage fees AND the cost of the last 3 months of the lease. I told Ford I would pay the mileage charges but NOT the last 3 months of the lease because their agent - XXXX XXXX XXXX Dealership - had agreed to pay. XXXX XXXX XXXX then refused to pay the last 3 months. I sent Ford the email - written documentation from XXXX XXXX Ford showing they agreed to pay the 3 months. Ford Credit refused to acknowledge the email documentation and stated I was lying. I tried for 6 months to resolve the issue. They threatened legal action and so I gave up and paid the entire amount due. The attorneys for Ford Credit also refused to acknowledge the agreement by their own agent - XXXX XXXX XXXX - to pay the 3 months left on the lease. 

Ford Credit then noted on my credit report that the lease was paid late which was not true. Until I turned it in, I always paid on time and more than due. 

Further, when I disputed the information, Ford changed it from late to a Charge Off which is further damaging my credit report. This is being done in retaliation for me disputing at all. 

The harassment which came at me from not only the attorneys Ford hired but also from XXXX XXXX XXXX Dealership was extremely upsetting. I have XXXX from domestic spousal abuse and was going through horrific divorce at the time. What Ford, their attorneys and XXXX XXXX XXXX put me through did not help my XXXX at all but just made it worse. 

I need assistance in getting this resolved. I have the email from XXXX XXXX XXXX documenting the agreement to pay. This should not be a charge off. I did all I was supposed to do. It was Ford 's own agent who failed and lied to me - customer.
Product: Debt collection

I am writing to request the immediate deletion of two XXXX accounts that are inaccurately reporting on my credit report. I have confirmed directly with XXXX that these accounts are beyond the statute of limitations for debt collection under Illinois law, which is five years. I have attached proof of this confirmation for your reference. 

The specific accounts are as follows : Account XXXX Shows a past due balance of {$5400.00}, with the status listed as " written off. '' Account XXXX : Shows a balance of {$6000.00}. 
Neither account includes the last payment date on my credit report, but XXXX has verified that both are outside the statute of limitations. Reporting these debts as active and collectible violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, as they are no longer valid for collection and misrepresent my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of the PRBC / MicrobiltConnect credit reporting agency, and attempted to request my credit report and issue a freeze. 

Accessing my credit report required me to create an account, which automatically subscribed me to credit offers that I did not want. 

Contrary to the FCRA and the 2018 Public Law 115174, MicrobiltConnect has not established a website where a consumer may establish a security freeze ( Title III, Sec 301, 6-A-i ). This was confirmed both by support and by phone call ( see attached audio recording ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit card

I had a legitimate dispute with several charges from XXXX that was not rectified with the airline. I disputed the charges on my Capital One account. Bottom line- we purchased XXXX flights from XXXX XXXX who then cancelled XXXX flight and changed another at our request as they let us know we would not make our connection. We were transferred to XXXX. We had paid for preferred economy though XXXX XXXX. XXXX said they could re book the same upgraded seats but had to charge us initially and the refund would be within 21 days. It was not. I disputed the charges in great detail with Capital One on XXXX. I received a form letter indicating I did not provide the information asked for. I called and provided the information and resubmitted ( I did not sign or date the documents and now they were ). I received the same form letter on XXXX. I called again and provided the requested information. This went on until my last call to them on XXXX when they told me the time had expired. I talked to XXXX. The last manager I talked to before this told me everything looked good and I just needed to respond to XXXXXXXX XXXXs dispute. The airline dispute was absurd as they did not seem aware that we had been moved from XXXX XXXX and already paid for seats once. I did not think it needed a response as my reports were very concise and clear as to what happened. I accused Capital One of delay tactics. XXXX person told me to call the XXXX. I did another report regardless. I had provided every bit of information they wanted but each time I called it was something different until time ran out. It is not legal to charge a customer twice for upgraded seats. It was a simple case and proven by me. Capital One said they had guidelines but when I questioned their method they clearly did no actual investigating on my behalf, their customer.
Product: Credit reporting

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX