23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

there are many errors on my credit score which affect my credit scoreand there are closed accounts on my credit score.
Product: Debt collection

Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please
Product: Credit card

I am writing to formally express my deep concern regarding a cryptic and unsolicited email I recently received from American Express. The contents of this email are alarming, as the company explicitly states that it has transferred my personal information to an entity I have no knowledge of and have never conducted business with. This unauthorized disclosure of my sensitive data raises serious privacy and security concerns, especially given the company 's regulatory obligations under the Privacy Act and its commitments to federal agencies, including the CFPB, SEC, and other regulators. 

Additionally, within the body of the email, I noticed a suspicious sequence of coding that appears to be some form of hacking attempt or embedded bug. This raises the disturbing possibility that malicious software may have been embedded in the communication, potentially compromising my personal and financial security. It is highly concerning that a company that claims to prioritize consumer privacyyet has previously experienced a data breach without properly informing me as a potential victimwould engage in such questionable activities. 

Given the severity of these issues, I respectfully request the following actions : 1. ) A formal investigation into this company 's practices regarding data sharing and consumer privacy.

2. ) An explanation as to why my personal information was transferred without my consent.

3. ) An assessment of whether the coding present in the email constitutes a security breach or an attempt to compromise my personal data.

4. ) Immediate confirmation that my personal information is no longer being shared with unauthorized third parties. 
I take this matter very seriously and expect a prompt response outlining the steps being taken to investigate and rectify this situation. If necessary, I am prepared to escalate this complaint to additional regulatory agencies, including the Federal Trade Commission ( FTC ) and relevant cybersecurity authorities.
Product: Debt collection

On XX/XX/2023 I received a phone call from a company called FJS. A woman named XXXX XXXX informed me that she would be my case worker and will be helping me make a payment plan for the debt that I owe to a school I attended. She told me that I could either pay {$700.00} upfront OR pay the full amount of {$1200.00} over several months. I chose the monthly option. I was given a document to sign to confirm payment authorization but never a letter from them verifying my debt. ( I didnt know they were required to do this ). The following month, a second payment of {$210.00} was due on the XXXX. The money was never removed from my account so I got suspicious. I called them several times within the last week to verify some things and they have not answered my calls. Ive tried to find my account on their website, but the page kept saying error. It was impossible to track down my case worker, XXXX. She was on vacation for two weeks apparently, but even after the two weeks I still havent heard a word from her. I asked my bank to block them. Today, XX/XX/XXXX, after I called for several days and blocked them, they finally called me back. After doing my research, I decided it was best I ask for a verification letter because I never received one and am no longer sure this company is legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

XXXX said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
Product: Credit reporting

I am filing this compliant because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Student loan

I got a simple loan from my XXXX XXXX to pay for my XXXX XXXX XXXX XXXX XXXX. The loan was supposedly for {$2200.00} and as the XXXX  went on it kept increasing to the point of {$4400.00}. I then tried to send them a check for {$2900.00} ( which at the time was the entire loan ), and they cashed the check ( according to my bank ) and didnt credit a single dime to my account.

I just recently then tried to pay the rest of it off in XXXX online payments through their new online portal for {$1000.00} and {$350.00} respectively. The payments showed as pending then processing and then disappeared.

I am now out of {$4400.00} and they are saying that the loan hasnt been paid off at all. I want a refund or for the loan to be canceled!
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.
Product: Debt collection

Continue to report a debt on my credit report damaging my credit score and image! Defaming my character. Not supplying me with a proper verification of the debt, such as a signed contract with my signature. Refusing to stop all collection activities! I also will be filing complaints with the state attorney General if this issue is not resolved promptly and lawfully!
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX  account ( Account # XXXX ) with TransUnion on XX/XX/XXXX, requesting proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). However, TransUnion verified the account without providing any proof of verification, violating my consumer rights. 

Additionally, TransUnion is reporting inconsistent and inaccurate information, including : Date of Last Activity : XX/XX/XXXX ( different from other bureaus ). 
Last Payment Date : XX/XX/XXXX ( not matching other reports ). 
Credit Limit : {$1300.00} ( XXXX reports {$0.00} ). 
Creditor Remarks : Charged off as bad debt. Canceled by credit grantor. 
Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum accuracy, and under 15 U.S.C. 1681i ( 5 ), unverifiable information must be deleted. TransUnion has failed to comply with these legal obligations.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. Code 1681i to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file.

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have formally disputed the incorrect addresses with TransUnion and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the 30 day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile.

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from Sandtander, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with Sandtander and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Product: Credit card

My XXXX Paypal autopay did not go through ( even though I received a message saying it did ), I was then charged a late fee. No one can explain why the autopay failed ( another account used the same exact information and worked fine ). 
1. I was told the late fee would be reversed -- it has not yet been reversed.

2. autopay is only on the date due, so there's no way to avoid a late fee if it " mysteriously '' doesn't go through.

3. This seems like a scam to accumulate late fees.
Product: Debt collection

Citibank noncompliance with levy. Now Citibank is Liable for the full judgement in the amount of $XXXX. I filed form EJ-130 with the XXXX  Sheriff back in XXXX and first Citibank was giving the XXXX Sheriff department a hard time and requesting extra documentation and that was faxed on XXXX XXXX containing seal information however it is now XXXX XXXX  and Citibank has failed to comply with § XXXX requires Citibank to respond within 10 days XXXX Sheriff made their request. XXXX & XXXX  from Citibank lied to XXXX  from XXXX  Sheriff onXX/XX/19by saying that they were expediting levy on case number:XX/XX/XXXXXXXX, they gave another fax number XXXX and said that it would be "rushed" but this was a lie Citibank is not complying with the levy request from XXXX Sheriff and now I am asking for the full amount of the judgement from Citibank because of their noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law to correct my Mortgage company reporting lates under Cares act. They told me the lates were removed and when going for a loan they said they were not removed. I hired them for a year to work on removing this and paid them XXXX a month for 12 months two account My wife and I had the same reporting issue. We paid them over XXXX dollars and was told it was removed and lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my credit karma I called discover and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account has been involved with fraud. I had {$2000.00} drained from my account due to fraudulent charges. I was been contacted by what I thought to be Wells Fargo as the phone number on the back of the card matched and was on the phone with his so-called representative for over an hour. That also turned out to be fraudulent. When I realize that my card was still getting fraudulent charges the next day, I called Wells Fargo and they stated they had not seen any remarks about anyone talking to me the day prior. I have since done over the last few weeks intently. Been trying to get a hold of somebody to help me. They did credit some back to my account in the amount of XXXX something dollars however then sent me a letter stating that my case was closed due to their investigation being complete and stated that either I made the charges or give somebody permission to make the charges which neither are true. I still to this day XXXX fighting to get my {$2000.00} back that I got for my high school graduation and I am not being able to get anywhere with anybody without being transferred several times or hung up on. Please advise me of what I can do in order to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.
Product: Money transfer, virtual currency, or money service

I had a friend send me XXXX to the cash app I was told there was no transfer fee well they told me I had to go to the closest store and buy a XXXX  card for XXXX XXXX and send them the card then my money would be cleared and added to my balance. I sent one XXXX card for XXXX then the second card with XXXX they told me the card was used and cusses at me. And says they can't take that for payment and for me to buy another XXXX card for XXXX $ I just bought that XXXX card. And never used it before. And they say it's used. it wasn't. it was new then they won't refund the XXXX XXXX  card. Cause they wont and I'm out XXXX as well as the XXXX they sent to cash app .. Which isn't even in my account that even says it was sent. it disappeared. And I have pictures of. The letter they emailed me stating the XXXX is there but I have to clear it before I can have it added to my cash app. Account. So I did what they asked .i was told that the app is fake made with people scaming. Other people .. I just want what sent to me the XXXX and the XXXX they took off tbe XXXX   card I sent tjem I have pictures and screen shots of everything. Thing that went on. my email is XXXX Please get to the people that are scaming because there's not suppose to be a fee to send or receive. Cash on Cash app. thank you for your time. XXXX XXXX ....
Product: Vehicle loan or lease

In XXXX of 2017 my vehicle was Repossessed, during that time the title was taken out of my name. 
I paid the fees to get the vehicle back and also signed paperwork to have the title returned to my name, I was going through a Divorce at the time and loss track of the matter. I recently went into my local DMV to renew my Registration and was told, I could not get the registration renewal because the vehicle was not in my name, I called Capital One Auto finance and they refused to give me a Straight answer, my Tags are Expiring  soon and I am driving illegally.its been a year since the vehicle was Repossessed and I still don't have a title, so I'm more or less Leasing this vehicle but paying, high interest 21.99 % and high late fees .... 
This had to be XXXX!!!!!!!
Product: Debt collection

XXXX XXXX XXXX  sent a collection letter for XXXX XX/XX/2020, I sent a letter XX/XX/2020 to the collection agency : ASCENCION RECOVERY MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX I requested VERIFICATION /VALIDATION of the debt, on XX/XX/2020 I received the proof of signature via usps, the person signed : Covid 19 THIS " AGENCY " is commiting FRAUD, they need to be investigated. 

XXXX XXXX XXXX has NOT PROVIDED any VALIDATION of ANY DEBTS!!! as of today.
Product: Debt collection

XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights. As well as the state of TN requires they be licensed and bonded in state in order to attempt to collect any debts. They are neither licensed or bonded.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! -DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. ''
Product: Credit card or prepaid card

I tried to contact the Dispute Dept of JP Morgan Chase Bank on XX/XX/2020 XXXX XXXX PDT to dispute a charge on my credit card, I was transferred to the Dispute Dept and was put on hold. Their phone system told me I only needed to hold for 15 munites, but turn out after 1 hour 20 munites, still no one picked up my phone. They just put people on the phone forever and let the stupid music run for hours to fool customers and drain their blood and spirits until they all got exhausted. So abuse! By the way, I am XXXX XXXX in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to the credit Bureaus to deleted the inaccuracies and misleading information 's in my credit report on XX/XX/2022 and until now they are not yet removing the listed accounts i want them to remove it because it is affecting my credit score