23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " BILL ME LATER INC/PAYPAL '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " BILL ME LATER INC/PAYPAL ''.
Product: Credit reporting or other personal consumer reports

Someone named XXXX XXXX opened a credit card in XXXX and spent XXXX and some dollars and never paid it. For some reason, they listed me as an authorized user on their account. This is a XXXX XXXX credit card. My maiden name is XXXX XXXX, however, I do not know this person, nor have I ever had a credit card with XXXX XXXX. 

Can you please help me correct this as soon as possible as it is negatively affecting my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 1 hard inquiry on my XXXX Credit Report on XX/XX/2018. It is listed as XXXX from XXXX XXXX XXXX XXXX. I believe this is from XXXX   Credit.

The company pulled a hard inquiry without ever informing me in advance. 

In addition, my first name is written incorrectly in the billing information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND CO XXXX ND ND XXXX ND ND XXXX CO ND XXXX ND XXXX XXXX ND XXXX ND Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 150 days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of

thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit report
s at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,
Product: Payday loan, title loan, or personal loan

My loan was sold from XXXX to SST. I paid the loan off in full shortly there after. Its been ten days and although assured by SST, the refund from my locked savings has yet to be received. Like many others my account remains open instead of indicating the account has successfully been closed. Whats more, auto pay is still scheduled to draft payment for {$100.00} for a balance that was already paid in full. I have no capability to turn this off. I gave my personal information in order to receive the wire transfer. Somehow they have the technology to extract funds from my account within one business day but withhold my refund for longer than the time promised when they clearly are capable of completing wire transfers. When you call to speak with someone regarding your concerns you can hardly understand anyone on the other line adding to the miscommunication, stress and frustration of this company. They need better business practices and they need them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged multiple disputes with Cach LLC ( original creditor XXXX XXXX XXXX  ) beginning on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed this account as I believe it is not reporting in accordance with Consumer Protection Law ( FCRA and FDCPA ). During this time I have also lodged disputes with the credit bureaus.
Product: Credit card or prepaid card

I have been having issues with my Capital One credit card. I had gotten this card some 12 years ago. The last 5 years, they had been charging me an annual fee of {$39.00} a year even though I've never requested this new feature. The problem is I haven't used this credit card in 5 or 6 years. So every year Capital One would charge me the {$39.00} fee. Every year I would dispute this charge stating that I never use this card unless for emergencies. This time, the customer service rep refused to waive the annual fee. He would not explain why. So I asked him to cancel my credit card which he promptly did. 

My problem is if I'm trying to obtain better credit, wouldn't canceling a credit card hurt my credit score? My question is how can credit card companies start charging annual service fees when you never requested it?
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX 2 ) this account was included in bankruptcy and the bankruptcy was given a hardship discharged XX/XX/XXXX due to his passing away. The account needs to be removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such has failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX CARD was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

I am an XXXX XXXX on XXXX XXXX. I have student loans serviced through XXXX. I enrolled in the Public Servant Loan Forgiveness ( PLSF ) Program. Per the program guidelines, I pay monthly payments, the amount is determined by my income and family size. I submit income, family information as well as employment certification forms annually to remain in the program. After 10 years of monthly qualifying payments, the remainder of debt is forgiven. I submitted the required paperwork on XX/XX/2018 while I was forward XXXX in XXXX. To date, XXXX has yet to give me credit for the monthly payments I made. Next month, I will submit my documentation again as required my the PLSF stipulations. I have contacted XXXX numerous times about the delayed processing of my employer certification and a corresponding lack of credit toward my loan forgiveness. Every time I contact them they say it can take 6 months or longer, yet it has been over 11 months since I submitted the paperwork. I am going to submit my next set documentation for the PLSF program next month. I am concerned with the backlog of credit given for qualifying monthly payments to my account since they have yet to process my payments for this year 's monthly payments. Given their lackluster customer service, I have no faith in their ability to conduct multiple reviews of my status without making a mistake that will result in delayed loan forgiveness.

Thank you in advance for your time and consideration on my behalf.

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

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 15USC 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX and XXXX account # xxxxxxx which was through XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX an employee at XXXX XXXX and XXXX in XXXX Virginia. Since there is no account listed under my name, then by by law you have 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 or other personal consumer reports

I have XXXX collections from Affirm, opened on XX/XX/XXXX for account number ( XXXX ), XX/XX/XXXX for account number ( XXXX ), and XX/XX/XXXX for account number XXXX XXXX  ) in the year 2022. These accounts were fraudulently opened in my name by my ex-boyfriend, XXXX XXXX, without my knowledge or consent. He assured me that he would repay the loans, but he has not done so. Despite my efforts to contact him over time, I have lost touch with him over the past year.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid-off my loan ( XXXX ) on my XXXX XXXX XXXX boat ; the balance was XXXX, which was debited from my Credit Union checking account on XX/XX/XXXX. The loan was through Yamaha Motor Finance Corporations, U.S.A ( aka XXXX XXXX  XXXX ). I contacted their customer service and was told I would receive an email releasing the loan by XX/XX/XXXX. Based on their representation of timeliness, I arranged to sell my boat for XXXX}. When I later inquired as to when I could expect the loan-release email, I was essentially told that the customer service rep was wrong, and that I should expect 15 business days. I contacted customer service several more times and was told about the same. Finally escalated my call to a floor supervisor ( XXXX ) who was unhelpful, other that to say their process requires a computer generated letter. XXXX referred me to their title department ( XXXX ) who also was either unable or unwilling to assist, saying he could be fired if he didn't follow their procedure. Note that it was acknowledged by Yamaha that my loan was indeed paid-off and my account closed. The only reason given for not issuing a loan pay-off and releasing my title was a vague reference to problems that had in the past with fraudsters who tried to cancel the pay-off, so the essentially lumped me in with felonious criminals! I understand that this is a well-known problem with Yamaha, so how related to a recent transition of their financing from XXXX XXXX to themselves. Needless to say, their delay has made me unable to close the sale of my boat.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$840.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I was a tenant at XXXX XXXX XXXX from XX/XX/XXXX to around XX/XX/XXXX. I was told by the management team at that time if I needed to leave the apartment I would be given a reletting fee. I was not when I had to leave due to my mother living alone and XXXX XXXX XXXX at her home with no help. On XX/XX/XXXX the company reported that I owe them {$6200.00}. I do not owe that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following accounts appearing on my credit file by Transunion, XXXX and XXXX : 1. XXXX XXXXXXXX - # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX - # XXXX These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, XXXX and Equifax companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit card or prepaid card

I had serval fraudulent credit cards opened in my name. I reported them 2 of the 3 were taken care of but the XXXX one citi bank hasnt resolved my issue. And I have called multiple times and reported on line multiple times and they are no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXXXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Vehicle loan or lease

American Credit Acceptance is administering my car loan payments in a fraudulent way. I signed a XXXX year loan ( from XX/XX/XXXX to XX/XX/XXXX XXXX for a XXXX XXXX XXXX. It's Year Seven and I am still paying on the loan AND THEY CLAIM THAT I STILL OWE {$15000.00} ON A {$29000.00} loan. They are fully prepared to charge for the next three years. That's 10 years for a 5 year car loan. Please help me get my Title from American Credit Acceptance. I am now at my Maturity Date and I have made all of their payments and XXXX additional payments in interest. They still want more. This is unfair. They are taking advantage of me.
Product: Debt collection

I have tried to connect Credit Collection Services via mail twice but they have not responded with letting me know how I owe them this debt. They are unable to verify or validate that I owe them a debt. 

I have requested that they stop reporting this account to XXXX  and delete it. 

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number as reported : XXXX Amount reported {$110.00}
Product: Credit reporting or other personal consumer reports

Good day, I am filing a complaint about the inaccurate reporting of late payments by JPMCB Auto on my credit report. Their records incorrectly show several payments as late, even though they were made on time. Despite the reality of these timely payments, this false information remains on my credit report, unfairly harming my credit score and financial reputation.