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

Gentry finance located in XXXX ut is the most difficult company to deal with. They have done nothing except make this loan difficult and unpleasant to say the least they have harrassed me to a point of feeling like a loser i wont answer my phone any longer. They have called my work more than 20 times after my boss told them not call they have harrassed my family members to a point with threating messages to give me and my info on my loan which should be private i borrowed XXXX dollars made every payment but has been late cause i get paid on the XX/XX/XXXX and XX/XX/XXXX and my payment is due on the XX/XX/XXXX if I I had money I would n't have got a loan through them I am struggling I have made every payment of {$150.00} and they add on {$30.00} every month for a late payment they will not change my due date to XX/XX/XXXX I still have to pay my rent or my car payment or my insurance and i have a family to take care of .I have to survive too they are harassing me I ca n't take it anymore please help me. they threaten me to take me to court by tomorrow morning at XXXX XXXX if a payment of XXXX is n't made which I am late making a payment but the XXXX is unbelievably wrong. They are not understanding they are bullies with big mouths i have been in there a witnessed this lady named well i forgot her name she was in charge of XXXX XXXX which has meged with gentry any ways i went in there to pay my bill and she was screaming at this person on the phone and was flipping him off as she was talking on the phone to this person. Its so uncomfortable going in there. They should be arressted and fired everyone of them. I am suprised no one has done anything to them its total evil there. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX ; XXXX, {$23000.00} XXXX XXXX XXXX ; XXXX, {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$6500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} GRAIN XXXX XXXX ; XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. Equifax, XXXX, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX & XXXX XXXX Av XXXX XXXX, XXXX, IL, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/1979 To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attention : XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made XXXX : XXXX Made on : XXXX Made with : Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, TransUnion, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, TransUnion, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, TransUnion, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I moved from the address that my card went to so I never received my card. Someone activated it under their own information and has been using it. All the money that's ever been put on my Bank of America card I have not used somebody else has been using it I reached out to Bank of America to make a claim but they denied me my claim. They said they had not enough evidence to prove but there is evidence because the cards that was being transferred and all the money that was being transferred is not the same name on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRES ON MY EQUIFAX CREDIT REPORT! BLOCK AND REMOVE! 

XXXX XXXX INQUIRY ON XXXX ATTACHED IN FTC REPORT, ID AND UTILITY BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following account that appears on my credit report, it is not mine, it is hurting me DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian gives no positive scoring if an account was paid off on time and never late. It simply marks the account as not having provided enough information when in fact the account shows no late assessments and paid on time and in full. In addition it fails to count timely rent payments as a positive. It only counts negative or derogatory information. When you bring this to their attention they tell you that they don't have to respond because you previously raised the issue - even though they provided no i formation in opposition to the complaint/dispute.
Product: Credit reporting or other personal consumer reports

Hard Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ). 
Collections : XXXX XXXX XXXX- {$200.00} ( XX/XX/XXXX ), XXXX XXXX XXXX - {$620.00} ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX - {$940.00}, and XXXX XXXX XXXX - {$2900.00} ( XX/XX/XXXX ). 

Contacted Experian and the companies to have the information removed. It still has not been removed and additional items have been added since my last communication with Experian and the companies.
Product: Vehicle loan or lease

I am filing this grievance as I completed the terms to my lease with the purchase of a new Toyota vehicle, with all payments made on time. Im frustrated at the fact I am being held hostage to a missed payment for XX/XX/2021 when I did not have possession of the vehicle at that time as it was turned in XX/XX/2021. Due to erroneous reporting to the bureaus the payment history needs to be corrected poste haste to restore the perfect payment history on this loan. 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a customer with Coinbase. In XX/XX/2021, my account was locked and under review as i saw an error message on screen and clicked the support link to check about this. 
After dozens of emails and verifying myself, it was only unlocked the end of XX/XX/2021. 
When unlocked, i saw transaction, a withdrawal of {$40000.00}. My account was locked so it was not me. 
I sent another email to them and they locked my account again. For security reasons. It was locked when my investment was taken so i am not sure how this provides any security to my account. 
My case number is XXXX. 
Nobody will get back to me about this but they do send generic emails which asks for a bit more time. I have had enough.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit and i noticed a few hard inquires that are posted that i did not authorize. My credit was in fair condition and i am trying to keep it that way. I have never applied for any of these companies and i am requesting all of these hard inquires be removed please. I am a single fulltime father trying to better my life and my credit so i can buy our first home. In addition to the ones listed above please also remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please find the below are the attached ebill and payment data from/to XXXX XXXX XXXX XXXX XXXX 
As per the e bill the total amount due is {$1200.00}. I have paid {$1100.00}.

I have converted the total due amount {$1200.00} into a 6 months plan and each month i paid {$200.00} for 3 months ( total : {$610.00} ). The remaining balance is {$610.00} Later as per the discussion with XXXX XXXX XXXX XXXX representative he waiver off {$120.00} if i paid {$490.00} at a time. 

I paid {$490.00} on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance not correct on my credit reports they all different last reported XX/XX/2022 amount XXXX I was told they show the same on my credit reports but they dont
Product: Credit reporting or other personal consumer reports

I looked at my report in XXXX of 2023 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because Please see the letters sent along with the tracking numbers for this letter # XXXX It shows letters are received but I did not receive a certified letter in the mail stating a response and it is well over the 30-60-90 days. I need this corrected as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit card or prepaid card

Opened both Savings and Checking accounts with Sun Trust in XXXX XXXX, XXXX. Requested regular XXXX credit card. Was given DEBIT card which looks exactly like credit card. Agreed to Overdraft Protection. BUT SunTrust " protects '' my account before I make a purchase, then charges me {XXXX} per deposit PLUS {XXXX} for " Overdraft item fee. '' I AM ATTEMPTING TO USE THE XXXX, NOT THE DEBIT! I am XXXX, living on Social Security, unable to pay these fees ( e.g. current statement : {$XXXX} in fees for accounts with less than {$XXXX} in each. I am a XXXX XXXX and hold a XXXX XXXX XXXX from XXXX XXXX, so am angry at this " bait 'n switch '' tactic. Have written yet again to the office in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the XXXX, XXXX, and Equifax about the fraudulent accounts. I sent the information via certified mail.
Product: Credit reporting or other personal consumer reports

My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX days late ). 

Key Facts of the Issue : XXXX. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
XXXX. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
XXXX. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
XXXX. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
XXXX. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( Experian, XXXX, XXXX ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.
Product: Debt collection

I received a letter from Allied International Credit Corp dated XX/XX/2019 (or some one purporting to be them) demanding $XXXX  as payment for a debt that had been turned over to them from XXXX  for collection.  Contact with XXXX  confirmed that no such debt existed.  I did an internet search of this company that revealed that this was a common scam attributed to this company, and that calls to the company did not result in resolution of this matter and, in fact, often resulted in multiple phone calls from the company of a harassing nature.  I did not contact the company based upon the information about their failure to resolve matters in an fair manner and to avoid harassment by them.
Product: Debt collection

I Receive notification today that a collection was added to my credit report in the amount of {$370.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my report. This is a violation of my rights and I want this alleged debt removed from my credit report immediately.
Product: Mortgage

I was rewarded forward payments by XXXX and my monthly payments are not being applied to my account to satisfy payments every month I have been told that payments have been sent to M & T bank but they are not applied to my account
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint : Failure to Properly Investigate and Resolve Disputed Account Information : I am writing to escalate my unresolved dispute regarding the inaccurate reporting of an account from Comenity Bank/SephoraCard ( Account Number ending in XXXX ) on my XXXX credit report. Despite my initial complaint and XXXXXXXX XXXX response, the issues remain unresolved, and I believe XXXX and Comenity Bank have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). 
Background Information Account Name : Comenity Bank/SephoraCard Account Number ( Last 4 Digits ) : XXXX Disputed Balance/Status : Charge-off balance of {$430.00} reported with multiple errors. 
I initially submitted a complaint on XX/XX/XXXX, and XXXX responded on XX/XX/XXXX, stating that the creditor verified the information as accurate. However, their investigation was inadequate, as outlined below. 

Unresolved Issues and Errors Conflicting Charge-Off Dates : Comenity Bank 's correspondence states that the account was charged off on XX/XX/XXXX. 
XXXX 's credit report lists the charge-off date as XX/XX/XXXX. 
This discrepancy indicates a failure to reconcile the information provided by the creditor with what is being reported. 
Multiple Monthly Charge-Offs : XXXX 's credit report shows charge-offs for every month from XX/XX/XXXX through XX/XX/XXXX. 
A charge-off is a one-time event, yet XXXX continues to report it as occurring monthly, inaccurately inflating the account 's impact on my credit score.

Incorrect Delinquency Reporting : The account 's payment history shows charge-offs beginning in XX/XX/XXXX. 
However, delinquency was first reported in XX/XX/XXXX. This inconsistency undermines the credibility of the information being reported. 
Negative Available Credit : The credit limit was {$200.00}, and the reported balance is {$430.00}. However, XXXX lists negative available credit of - {$230.00}, which is not accurate or appropriate. 
Failures by XXXX and Comenity Bank XXXX 's Investigation : XXXX relied solely on the creditors verification and did not conduct an independent or reasonable investigation, as required by the FCRA. 

Comenity Bank 's Response : Comenity Bank provided inconsistent information regarding the accounts charge-off and write-off dates, yet XXXX accepted this without reconciling the discrepancies.

Relief Requested I respectfully request the CFPB to investigate the following : XXXX 's failure to conduct a proper investigation of my dispute. 
Comenity Bank 's provision of conflicting and inaccurate account information. 
I am asking for the removal of the disputed account from my credit report immediately
Product: Mortgage

I signed a promissory note with a bank called XXXX XXXX in 2008. Citimortgage inc.who isforeclosing on me, is the plaintiff. The note it hasattached to its complaint and motion for defaultjudgment is a copy of what I signed with XXXX. It has no indorsements on it. I haveasked for proof that citi mortgage acquired the loan andhave not gotten any.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX Unknown XXXX Unknown XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

SANTANDER XX/XX/2015