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

XX/XX/2023, I received an alert from XXXX XXXX XXXX about a new loan -- a loan that I had not applied for. This is in addition to the fraudulent use of my personal information discovered in XX/XX/2023, prompting credit freezes and fraud alerts placed on the three major credit bureaus and filing a police report. I investigated this new " loan '' to discover it was report to XXXX XX/XX/2023, but not available on the report or alerted until XX/XX/2023. The loan was acquired through Affirm , Inc . I called Affirm to report the fraud and learned that the number used to verify identity with my stolen information was not my number. An online portal using Affirm subsidiary, XXXX XXXX, allowed this loan to go through. I have disputed this with Affirm/XXXX XXXX as well as XXXX and am awaiting resolution.
Product: Credit reporting

For the past several months I have been trying to get Equifax to address an issue I have on my credit report regarding XXXX XXXX. In short, XXXX XXXX has been willfully and falsely reporting the date of a judgment against me. In XXXX, we entered Bankruptcy. We have been advised that XXXX had filed a complaint against us in XXXX of XXXX. Our attorney advised XXXX that we were entering into Bankruptcy and that our bankruptcy would be filed on XXXX XXXX, XXXX. XXXX continued to pursue legal action and were awarded a judgment against me on XXXX XXXX, XXXX - They did not advise the judge that they were aware that the account had been included in the bankruptcy which was recorded two days earlier. Further, XXXX then began reporting to the credit reporting agencies that the date of the judgment was XXXX XXXX, XXXX NOT THE ACTUAL DATE of XXXX XXXX, XXXX. 
After 3 different requests for an investigation - Equifax finally " reinvestigated '' the account and much to my amazement came back and reported a PUBLIC RECORD DATE OF # XXXX ( Civil Judgment ) as being XXXX OF XXXX! I was alerted to a drop in my Equfax score by more than XXXX points and when I check my file a NEW PUBLIC RECORD ( reporting the same case number as # XXXX ) has been update to a disposition date of XXXX XXXX, XXXX! 
I am completely baffled as to how Equifax could be so inaccurate on this information. To compound this problem - I work for a Police Agency who uses credit scores as a means of determining an employee 's " fitness for duty '' - Their inaccurate information is now endangering my ability to maintain my position. This needs to be fixed and needs to be fix immediately. I have reached out to Equifax via phone and correspondence and have been advised - They will look into it!
Product: Debt collection

sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues. 



I also have an inquiry that was issued on me called XXXX   an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from my account,
Product: Credit reporting or other personal consumer reports

I mailed you a letter disputing my bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following Bankruptcy As per my records, you received my dispute letter in XX/XX/year> I. According, as per the FCRA you were required to conduct a reasonable investigation and [ modify or delete ] the disputed information as I requested before the end of the 30- day period on the date on which you received my dispute letter therefore your response was due on or by. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming you investigated. 


Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you stated you certified it was accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate the dispute. Note you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such a determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to investigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed Information. Be advised this is not another dispute or opportunity for you to investigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Within [ 14 ] days ( 1 ) delete the disputed information as requested. My letter dated XX/XX/year>. 

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

My aunt from XXXX was trying to support me here in XX/XX/XXXX USA, when I had bad time, so I dont have to sleep on the street, but can rent a hotel, becuse i had no money at the time. She is an average citizen of XXXX living on pencion, older ladyfor here its lot of money. and for me at the time ... ..she is not some kind of millionare and older lady ... .she send me money money gram {$400.00} and people in XX/XX/XXXX told me that money was send back, she also never received it .... so it was lost .... please help us find it, because I needed right now to recover in the hotel before i get a next job and do something with college ... ..I currently was kicked out of the apartment and dont want to sleep on the street ... that could also happen to the other foreighn students here, there is a lot of fraud around here ....
Product: Credit reporting or other personal consumer reports

XXXX  2017, WellsFargo did not do the proper investigation. Their results are just verified. I have never had a late payment with them. I've been fighting this process for XXXX yrs and still not resolved. 

This has effected my credit report with a " XXXX XXXX '' no matter how many attempts I ask for them to correct the status... to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I'm looking for a remedy. Correct my status. 

They are in violation of my Rights and I'm asking the CFPB to assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, Account # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Began searching for online savings account in XX/XX/2022. Found offer for Citi XXXX XXXX account with high yield bonus on their website. It had me enter zip code to see if offer was good in my area. It was confirmed the offer and I opened the account with initial deposit of XXXX on XX/XX/2022. I received email ( attached ) titled XXXX, Congratulations on enrolling in the Citi XXXX XXXXXXXX XXXX XXXXXXXX Bonus Offer on XX/XX/2022. The email details the criteria where balance level must remain at XXXX or above to receive the XXXX bonus. My balance level never went below XXXX and currently above XXXX. After the promotion period ended I proceeded to contact customer service through chat multiple times where it was confirmed that met all the criteria and was told I would see the bonus applied in XXXX hours ( Citi can access the archives of the chat ). Nothing for weeks and I finally called customer service. Was told the inquiry was submitted under the incorrect promo code. A manager found the correct promo code and reopened and was told I would get call back in a week. Weeks went by and heard nothing so I called back again. Incredibly condescending customer service agent told me that I am ineligible for the bonus without any details and said I could write a letter regarding the decision. I figured I would submit a CFPB complaint before filing a small claims and going to local media.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

1

5 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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that The current personal information being furnished is inaccurate, not relevant and out dated information. I am requesting that you update/correct my personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
NAME : Please update the name to XXXX XXXX ADDRESS : Please update the address to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

I do not wish to have any telephone numbers on my report. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), 1 am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete. I have attached documents to verify my identity and proof of address. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have been a victim of Fraud with several accounts and attempts to open accounts, including store cards and services. I have disputed many times with XXXX, XXXX and XXXX so some has been fixed. There still has been one from XXXX XXXX as an inquiry which I have disputed over five times in a years time, then disputed with XXXX fifteen times in many disputes and called their customer service, spoke to a rude girl named XXXX who said she cant control what the credit bureaus report and she couldnt even find my information, then transferred me to a voice mail where I never received a response. Im still writing to them. I already submitted another request to them.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent acoustics on my report. Please remove these accounts from my report, They are hurting my ability to obtain debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Bureaus letter last August 31, 2022, to update the incorrect accounts in my reports which I believe has been taken care of due to the written appeals. However, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Product: Credit card

I would like to redeem my cash back of XXXX on my Citi card. However, I was told be an operator that I ca n't redeem something I 've earned. 
I was n't aware of a level that has to obtained before I can use them. 
I was n't told that verbally when I signed up for the card. 
My XXXX, XXXX XXXX and XXXX cards do n't have minimal cash back thresholds!
Product: Credit card

My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.
Product: Debt collection

Sending text and calling constantly. Calling my wife constantly as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : Please provide documentation that verifies the validity of the charge-off status. If no such proof can be provided, I request that you promptly update the balance to {$0.00} or remove the negative payment status associated with this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items are either reported inaccurately or have already been resolved. I kindly request a thorough investigation and correction. Despite reaching out to both the credit reporting agency and the data furnisher, the issue persists. I have included supporting documents and screenshots of my credit report that highlight the inaccuracies and substantiate my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Mortgage

In XXXX of XXXX, I requested a forebearance plan, as I am was unsure how our household income was going to be affected by COVID. We did in incur a deferral balance from XX/XX/XXXX to XX/XX/XXXX, wherein the loan was reinstated and normal payments were to resume. I applied for a refinance and attempted to pay the full deferral balance on XX/XX/XXXX. The funds were not applied as I requested and was informed that they would be. As such, we are now at XX/XX/XXXX and my refinance is pending confirmation of a {$0.00} deferral balance. I have been misinformed, mislead, and left out in the dark by Lakeview Loan Servicing.
Product: Checking or savings account

I had an unauthorized charge on my account XX/XX/2022 for a XXXX XXXX XXXX for {$320.00}. I let my bank know immediately and they opened a dispute and said that no error was found. I appealed the dispute stating that it was obviously fraud because the phone number on my account was updated and then the charge was made to a virtual credit card number only available in the moneylion app. That appeal was denied. They don't have any contact info for this merchant just the name and amount of the transaction and are refusing to refund me that money which was my money to shop for XXXX for my XXXX children.
Product: Debt collection

Dear CFPB Complaints Department, I am writing to file a formal complaint against Sentry Credit Inc for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide Sentry Credit Inc with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ).

The debt collector, Sentry Credit Inc, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations.

The following are the laws and regulations that Sentry Credit Inc is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.

Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.

Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).

As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by Sentry Credit Inc : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.

Remove any and all mentions of this debt from my credit reports.

Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.

I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that Sentry Credit Inc adheres to the laws set forth by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I've been trying to send XXXX  to my XXXX account for a long time now. Every time I try I get an error message about my identity not being successfully verified. I've tried sending on multiple computers and networks. So, I know the problem is on PayPal 's end. 

Every time I speak to support they tell me to try again in three days. When I try in three days they give me the same response. There is XXXX reason to buy XXXX on PayPal if you can now transfer it to your XXXX account. Personally, I believe they're not letting users send because their stablecoin will lose the {$1.00} XXXX and it would result in a bank run from XXXX  trying to redeem.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile