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

Re : Complaint Against XXXX XXXX for Incorrect Reporting of Payment History Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX regarding inaccurate reporting of my payment history. I have always made my payments on time and have never been late or delinquent in any of my obligations with them. However, I believe that my credit report has been impacted negatively due to an error made by XXXX XXXX. 

Here are the details of my issue : Despite my timely payments, I have noticed that XXXX XXXX has reported my account as being late or delinquent, which is not the case. I have kept a record of all my payments, and I can confirm that I have never missed or delayed a payment during the period in question. This erroneous reporting has affected my credit score and caused undue stress and confusion.

I have attempted to resolve this issue directly with One Main, but I have not received a satisfactory response or resolution. As a result, I am requesting the assistance of the CFPB to help address this matter and ensure that my account is corrected and accurately reported to credit agencies.

Please let me know if any additional information is needed from my end to assist in the investigation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Sincerely,
Product: Debt collection

A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.
Product: Checking or savings account

There was nothing stipulated about them determining the eligibility of overdraft. Then denied me usage of overdraft. I contacted them and was told that they will allow and it didnt work. Contacted them ang and was denied for no reason but their own discretion! There was nothing stated that they can do that in the agreement I read previous to opening the account! I think that is wrong to make customer believe that they offer something without any concern or denial. Then say they have the right to deny me.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Collection/Charge Off Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Subject : Dispute of Accounts Due to XXXX  XXXX Data Breach To Whom It May Concern : I am writing to formally dispute the following accounts listed on my credit report as a result of fraudulent activity tied to the XXXX XXXX data breach. These accounts were not opened by me, nor have I authorized their use or any associated transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurate, and I request that they be investigated and removed from my credit file. I have attached supporting documentation to validate my dispute, including : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., utility bill or bank statement ) A copy of my credit report with the accounts in question highlighted FTC identity theft report ] In light of the XXXX XXXX XXXX and its potential impact on my personal information, I believe these accounts were created fraudulently. Please conduct a thorough investigation and provide written confirmation once these accounts have been resolved and removed from my report. 

You can contact me at ( XXXX or XXXX is additional information or documentation is needed to process this dispute. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing this letter to file a formal complaint regarding an ongoing dispute with XXXX XXXX XXXX XXXX, an account that I had disputed with Experian. I am deeply concerned about the inaccurate information presented in the original documents provided by XXXX XXXX XXXX XXXX during the verification process. 

On XX/XX/2022, I initiated a dispute with Experian regarding an account held by XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that XXXX XXXX XXXX XXXX verify the information they were reporting. Subsequently, XXXX XXXX XXXX XXXX responded by sending over what they claimed to be the original documents related to the account in question. 

Upon reviewing the documents provided by XXXX XXXX XXXX XXXX, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX. 

Attached to this letter, you will find copies of the documents sent by XXXX XXXX XXXX XXXX  as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by XXXX XXXX XXXX XXXX. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.
Product: Credit card or prepaid card

Currently have a high balance on our credit card and are struggling to make the minimum payments every month. We have noticed that the interest on our statement every month is more than half of the minimum payment that we are paying. I have reached out to the credit union regarding this matter of lowering the payment since they were the ones that originally issued the card to us, and they informed me to call the card company itself. 

After calling the credit card company they told me that they can not do anything and that I should reach out to the credit union. Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX, 2017 and he just gave me the run around that he could not really help us at this time. We have always made the minimum payments on time, but with my husband going through XXXX treatment and medical expenses racking up along with student loan expenses and we are having severe issues with our home in CT, I am just looking for something that will lower the interest rate on this card so that our monthly payments could hopefully start making a dent in the balance.
Product: Prepaid card

Hello, my name is XXXX I was getting payments from the XXXX  for XXXX and XXXX on the XXXX  debit card XXXX XXXX XXXX XXXX. 
I never was able to log in to see the statements. I called so many times and was promised to mail, email, and so forth, but never happened. The card ] was already expired and I called but they were emailing to me the link to login to the card that expired and I couldn't. Then, they tried to mail a new card, which never came, and finally, when it came, it was closed too, since the XXXX\ doesnt have any more business with the Bank. I finally was on the phone with the bank and was writing down the transactions. For the first year, the deposit amount was different of more or around {$6000.00}, that the bank had. The money were gone. Then, I went over the transactions and they were very weird. I got the XXXX statements, for example, to compare and found some transactions were matcha and some the bank had extra, that the XXXX didnt have. I called to bank and the transactions that were mine, told them, that were not mine also told them. 
For the rest of the transactions, I asked to investigate, because some were mine and some were not ( as in the XXXX example ). Also, for 2 months the card was not working in XXXX. The bank was taking a long time and in the end they denied all my claims. I called again,, and sent them a state ment of deposit for XXXX, for example from XXXX, showing the amount, and they still denied it. There was no other way I was left to have. Please, help me to resolve this. 
Thank you very much.
Product: Credit card or prepaid card

I checked my credit report today XX/XX/19 and I have a hard inquiry from a company by the name of SYNCB. I didnt apply for any card. Called company got the run around. I need to call XXXX XXXX, XXXX XXXX. They tell me I have to get ahold of SYNCB.
Product: Debt collection

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Capital one Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit card or prepaid card

syncb/lowes date opened is XX/XX/2016 account number shown XXXX for an amount of XXXX with credit limit of XXXX phone number shown XXXX. I have contacted this company and have sent them fraud affidavit and they take forever and refuse to give me any information.
Product: Prepaid card

My social security was deposited to the card but they wont release the funds. The bank is telling me to call the card and the people over the card has given me 6 different stories about why my money hasnt come
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

USAA FEDERAL SAVINGS BANK AND XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to verify the alleged debt reported on my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I requested proper validation of this debt from the reporting party. However, despite their failure to provide adequate validation, the account has been marked as verified by the credit reporting agency. I recently was notified that CFPB has filed a lawsuit against Experian for failing to properly investigate disputes. This seems to be the exact situation with my dispute.

If the furnishing party can not validate the debt as required by law, then the credit reporting agency has no basis to verify its accuracy. Reporting unverifiable information violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit bureaus to ensure the accuracy and completeness of reported information.
Product: Checking or savings account

My name is XXXX XXXX XXXX and I have a personal checking account with BANK OF AMERICA. On XX/XX/XXXX my driver pumped diesel in a XXXX gas station in XXXX Oh. The cashier charged the card 3 times for what was supposed to be the same transaction. The original and correct amount was {$560.00}. The cashier charged wrong amount of {$550.00} and then for no reason charged my card again for {$150.00}. I called my bank the next day they gave me a credit while they investigated. I called the XXXX and tried to resolve the issue, they said there was no history of the XXXX and the XXXX, that they should not have been charged and that their system had no history of it. Bank of America now presumed to take out the XXXX and the XXXX again and are saying XXXX is telling them that those amounts are correct and were supposed to be charged, not the gas station where the diesel was actually pumped, is saying that all three charges are correct. It is impossible to pump XXXX plus XXXX plus the actual correct amount of XXXX. No truck can be pumped that much diesel. I have sent the original and correct receipt to the bank and they are not helping me at all. 

( XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX ) THIS IS THE CORRECT AMOUNT THESE ARE NOT XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX
Product: Debt collection

I realized in XX/XX/XXXX that AFNI, Inc. had reported information to the 3 credit bureaus that I owed {$940.00} for a debt to XXXX XXXX XXXX. I requested validation of the debt onXX/XX/XXXX. I received some documents in the mail from AFNI , Inc. in regards to  the alledged account. I also contacted XXXX XXXX XXXX regarding this account and they told me that they had no record of this account and that I would have to speak with the collection agency that is reporting on all three Credit Reporting Agencies. I am very concerned about fraud as I have no knowledge of this account nor no knowledge of the phone number listed on the alledged account. I have had the same phone number since XX/XX/XXXX -- which happens to be very smiliar to one of the phone numbers on the " bills '' that were sent to me " validating '' the account -- alledgely from XXXX XXXX XXXX. It is obvious that something was suspicious about this account because there were only 3 bills, two stating that my balance was {$940.00} and the last one had no charges on it.AFNI, Inc. did not provide me proof that I signed an agreement with XXXX XXXX XXXX or that XXXX XXXX XXXX can show proof that I had an account with them. I have no proof to say that this is not my account -- how could I when I have NEVER had this phone number, I have no idea where this account came from and XXXX XXXX XXXX has no record of this account? <P/>I reached out to AFNI, Inc. on the following dates via email :XX/XX/XXXX -- Request to validate debt -- no responseXX/XX/XXXX -- Second Request -- no response XX/XX/XXXX -- in response to AFNI , Inc. 's response that there would be an investigation XX/XX/XXXX -- Request for status update since it had been 30 days -- no responseXX/XX/XXXX -- Request for status update -- no response XX/XX/XXXX -- received a response in the mail. AFNI,  Inc. sent me 3 alleged bills from XXXX XXXX XXXX. Two had a balance of {$940.00} with various charges and the third had no charges. How does a billing cycle go from new account {$0.00} balance to {$940.00} in charges in two months for phone service and then no charges? This is fraud. XX/XX/XXXX -- Request to remove account from Credit Bureaus since there was no proof of debt XX/XX/XXXX -- Request to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no responseXX/XX/XXXX -- Request for response to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no response
Product: Checking or savings account

On XX/XX/2019 I used XXXX via my Capital One 360 checking account to send {$30.00} to XXXX XXXX for goods I never received. He vanished and there's no way for me to contact him ; I was scammed. 

I contacted Capital One in an attempt to get the {$30.00} back, but they were of no help. This is the message Capital One sent to my e-mail : XXXX Re : Claim # XXXX We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 

You can still try to resolve this directly with the merchant ( s ). 
************
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX