23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I purchased an engine for a XXXX XXXX XXXX with XXXX miles and a full two year warranty on all parts and labor. The cost of this engine was {$1900.00} and expected to be delivered to my mechanic on XX/XX/XXXX. I gave it a few extra days and called my mechanic on XXXX XXXX, he had not received the engine for the car. I then started calling all of the phone numbers listed on invoices, email, text messages and website. None of these numbers were in working order. I then immediately called Credit Karma to dispute the charges and was told it would take 45-90 days to investigate. I was giving them time and I checked on XXXX XXXX and the dispute was denied 1 day after I filed it. I then appealed the dispute on XXXX XXXX and received an email on XXXX XXXX saying my appeal had been denied. Credit Karma never called, emailed or even tried to contact me. They never asked for my proof of correspondence or my proof of the invoices or delivery date. I sent all of this information to them but they still have failed to look at any of it. This is money from a hard working person who is not sick due to this issue. I really hope someone sees this and can assist me with getting a refund from Credit Karma. I have never been more disappointed in a company than I am with them. They have not even tried!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion for over a year I have protested this alleged account and not once has it been verified in writing to me. I have not received confirmation on how you have verified the alleged account attached in exhibit C for over a year The CFPB has all records of this case, and therfore request that you consider this a final notice to your office s. past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting .there should not be a wait and see response it is factual statement to CFPB to remove alleged account. there is no need for a 60 wait with the documents enclosed I'll give you 5 business day as of XX/XX/2019 to remove this alleged account burden of proof is on my side and violations on yours I have not received conformation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it to reporting accurately.Therefore, you are to present to me with certification in testimony that the alleged account presented in Exhibite C are in fact in compliant and not subterfuge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Checking or savings account

In XXXX, XXXX I applied for a refinance through Wells Fargo. At the time I was involved with a lawsuit with a local air condition company for XXXX. The company turned it over to a collection agency. I was informed by Wells Fargo in order to get the loan I would have to pay the XXXX due. I asked my lawyer and he told me not to pay this and to cancel the refinance. Since the I won the lawsuit. 
Since I cancelled the loan Wells Fargo has declared war on me. I have had to cancel my debit card 7 times in the past year due to fraudulent charges being put on it. In XXXX, XXXX I used WF bill pay to pay my XXXX XXXX XXXX bill. My money was taken out of my account but XXXX XXXX XXXX never got it. My services were disconnected. It took me XXXX month to get this straightened out. In XXXX I paid my gas bill to XXXX XXXX XXXX Wells Fargo denied the payment saying that there were " insufficient funds ''. The funds were there. During this time I could not sign on to my account. Wells Fargo said it was for security. They also quit sending me my statements. 
In XXXX, XXXX I paid by electric bill for XXXX. Wells Fargo held the payment out for XXXX weeks citing " security '' Right now I am trying to pay my XXXX account which I have done for the past 15 years. I have never had a problem with it. I paid it XX/XX/XXXX and it went through. I just got an email from XXXX refunding the money because Wells Fargo said my account was invalid. I believe that there is criminal activity going on here. I am XXXX XXXX XXXX and living on nothing but Social Security. I need someone to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
Product: Checking or savings account

Regions bank took money out of my account on XX/XX/XXXX without authorization. There is no transaction record in the account for the amount taken which {$200.00}. I called and asked why that money was taken from the account. They stated that it was due to a delinquent account from XXXX that they chose to taken money to cover for. I asked what account and for further information, however, they declined to answer and said I needed to go to a branch location.
Product: Student loan

I received notification that I was part of the XXXX XXXX XXXXXXXX XXXX  and that my XXXX XXXX loans would be forgiven. Despite receiving the email from the department of education in XX/XX/XXXX, my loans have not been discharged force, which has forced me to start repaying on loans that I should not have to pay.

I submitted another CFPB complaint back in XX/XX/XXXX and the company has repeatedly refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the item but against the creditors repo of a late item it was sent back to me without a new account agreement. It may be a fraud report because Iake the item and computers. Or someone using XXXX logo. The late fees were not my responsibility but I paid the remaining balance.
Product: Mortgage

I went to apply for XXXX home equity loan on XX/XX/XXXX. I got full pre-approval under the terms of 30 year loan interest of 9.99 %. I accepted this. They then requested lots of different information that I submitted. Every file said accepted. On XX/XX/XXXX I called them up because there was a small problem with the mortage statement I submitted. At this time I was told I was no longer approved because of debt to income ratio. The thing being I already had pre-approval and even the proof of income was already accepted. This loan would have been XXXX of my current debt payments without the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Our Company Advance Cash Express ( ACE ) has to recover the full amount due. Your case file # XXXX is handling by LEGAL DEPARTMENT OF ACE CASH EXPRESS and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file XXXX BEFORE WE DOWNLOAD YOUR CASE FILE # XXXX INTO THE COURT HOUSE. 
This is part of it. And here is the other part NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

I spoke with them there was never any money deposited to the account they were talking about. They could never prove and when said it was not me and couldnt have been cause that account was closed months before they told me that it wasnt true. So i have no idea what to do. If can help would be great
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Equifax to remove majority of the inquiries on my report due to fraud. I have no knowledge of the companies listed except for 3 of them. Cam back and said they were factual and verified. I asked for verification method and have not received within the 30 day timeframe. I need the inquiries removed as they are hurting my profile and diminishing my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint # XXXX on XX/XX/2021 due to additional fees and the amount owed being misrepresented by the collection agency. They responded that they would remove the fees. Today I received a credit score alert and found that they have reported to the credit bureau the amount with the fees that they were to remove.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan of {$1200.00} on XX/XX/2022 to help pay with bills and child care. I was unemployed for some time and fell behind on my bills. I am a single mom and I found myself in a tight financial situation. I made my first payment towards my loan on XX/XX/2022 in the amount of {$160.00} and weekly ever since. I was under the impression that the interest on my loan would cap out at 35 % since that is the legal cap out in the state of California. I was not aware that this is a XXXX loan since I did online. I have already made 19 payment totally to {$3000.00}. I called customer service to see if I can resolve this issue. The customer service representative XXXX XXXX said I would have to pay {$1200.00} today on top of the {$3000.00} I have already paid. I find that completely ridiculous. Being a single mom I can not pay {$1200.00} right now. {$160.00} every week is just too much money. I feel like someone should have called me to let me know the full extent of what I was getting myself into. I dont want to take legal action I am hoping that I can just be forgiven for this loan considering I have already paid {$3000.00}.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I spoke to 2 " supervisors '' at Green Sky and asked for their help regarding not paying the ridiculous interest charges. I offered them {$10000.00} plus what I've already paid & to close the loan. The original loan was less than XXXX and I've already been making monthly payments of over {$350.00} since XX/XX/XXXX which is when the interest started. I was informed the amount if not paid in full would only have interest charges of a couple XXXX now they are including finance charges on top of the interest. I've been in hardship since XX/XX/XXXX when I was hospitalized with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called One Main Financial and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. One main Financial requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made XXXX understand that One Main Financial reported to the credit bureaus that I had settled the debt for less than full amount. One Main Financial explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean. 
One Main Financial has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning. 
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.
Product: Mortgage

I have owned this condominium since XXXX. I have had a mortgage loan through SUNTRUST the entire time. the original purchase price of the unit was {$120000.00}. I refinanced under the HARP program in XXXX to reduce payments after I lost XXXX % of the value of the home. The mortgage loan amount, at the time of the refinance, was {$110000.00}. My current principal balance is {$86000.00}. 
I have made numerous written attempts to remove PMI ( $ XXXX ) and they all have been rejected. I have been paying mortgage insurance for well over 10 years on this property and paid below 80 % of the original loan amount.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

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

A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. XXXX shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an increase on my loan amount from XX/XX/XXXX for over XXXX, with Fifth third bank. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/XXXX I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how Fifth third bank has handled this issue. These information appeared 2 weeks ago because on XXXX, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from Equifax, XXXX and XXXX. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from Equifax, XXXX, and XXXX. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to Equifax, XXXX and XXXX on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This has violated my rights under the FCRA.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ; XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, XXXX, and EQUIFAX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, EQUIFAX and XXXX are not an affiliate of XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
According to my XXXX, EQUIFAX, and XXXX report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. ) and also request that an inquiry be made to the third-party debt collector, XXXX XXXX for actual verification and validation affirming that they have a contract with me bearing my signature. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  written, non-written, verbal, and non-verbal per 15 USC 6802.