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

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting or other personal consumer reports

All inquired about the report are in violation!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my 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 accounts listed IMMEDIATELY!
Product: Credit card

I had applied for Credit Card from Wells Fargo Bank, which I never received it at all. 
After a while I started to receive statements to make a payments. I contacted the Fargo Bank right away. Then The Fargo Agent informed myself not to worry, keep making all the payments, then Wells Fargo will reimburse me all the payments back to my checking account. 
Time passed and I kept reporting it to Fargo Credit Card that I never received any new or replacement Credit Card. After a long time passed I kept calling and Complying to Fargo Credit Bank about all the chargers that keep appearing on this Credit Card ... XXXX and others numbers that were used prior to this card. 
I have reported this incident to all the institution about it, also I send documents informing Fargo Credit Card that my mail box were broken into numerous time.

After a long while I called Fargo Credit Card again saying why I have been charged for all these fraudulent chargers. Then Fargo Bank told me again not to worry nor to making any payment on it. 
Assuring myself again that all will be solve soon and I will get all my payments back to my Checking account. So far Fargo Credit Deportment misguided me with all the payments lying to me about sending me new Credit Card and my money back.. But behind my back they FARGO reported this case to collection agency and to Credit Bureaus, That I am owning them money about XXXXXXXX XXXX  All those chargers are not mind Please help me to clear all of this and to get all my money back. I am Victim of fraud and Fargo Should protect my identity, not letting some else to use it. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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 car furnish a account without my written instructions.

15 USC 1666B : A creditor may nay treat a payment on a credit card account under an open end consumer Credit plan as late for, and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company goodleap asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXXXXXX XXXX XXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I am filing a formal complaint against the collection agency for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) Failed to provide the name and mailing information of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Did not include an itemization date for the alleged debt.

12 CFR 1006.34 ( d ) Did not provide a clear and conspicuous validation notice.

15 USC 1681s-2 ( 7 ) ( A ) Reported inaccurate or unverifiable information to credit bureaus without proper investigation.

I formally dispute owing any debt to the collection agency and revoke all communication via phone, text, or email, requiring all correspondence be conducted in writing via U.S. mail.

I request full debt validation, including a breakdown of the alleged debt, proof of its enforceability, and a copy of the purchase agreement between the agency and the original creditor. Additionally, I demand proof that the agency is licensed and bonded to collect debts in my state.

Due to these violations, I urge the CFPB to investigate and hold this agency accountable. I also request the immediate removal of this improperly reported account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX offers a credit card, the XXXX XXXX, which is issued by XXXX XXXX. One can apply for the XXXX XXXX from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time XXXX most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call TransUnion with questions. 

Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by XXXX XXXX based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my XXXX XXXX app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit. 

I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number ( my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX  Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
Product: Payday loan, title loan, personal loan, or advance loan

I've been a customer for Speedy Cash for years and I've never had as many issues as I've had over the past few months, specifically with the XXXX XXXX location. I visit several locations in between XXXX XXXX and XXXX XXXX and occasionally I travel to XXXX XXXX for work. In my last visits I have noticed several discrepancies in between locations. The most alarming is that a few months ago apparently this company " switched " their options to OPT in to reminder calls. It is a " requirement '' when I go into a location in XXXX XXXX but when I go to another location, I am able to request no call reminders. I've asked employees why I'm able to request no calls at other locations but when in this location it's a requirement, employees seem scared to answer but always refer back to this is what their " director '' has instructed them to do. Just like any other customer I do request extensions or the following day after my payday to be able to walk my payment in which has never been an issue before. I've had up to 7 days and I've always been able to get an extra day after my payday to prevent them from automatically taking payments from my account. A few months ago, I was informed that no extensions were allowed nor a courtesy day to make payment. Payments are due on due date regardless of any issues you may be having with your bank or finances. The funny thing is that when I called their online department, they are more than happy to provide me with an extension, as well as when I have called other location that are not located in XXXX XXXX XXXX. I asked the online department why I'm unable to request extensions in store at XXXX XXXX or XXXX XXXX and they informed me they have no idea why I would be denied this since it's available company wide. I also called one of my locations in XXXX XXXX and they informed me they weren't sure why but that unfortunately they were under different directors and that could be the issue. I contacted the XXXX XXXX XXXX & XXXX XXXX and requested information on why these " policies '' of no extensions are only applicable to XXXX XXXX only and not any other Speedy Cash locations and both times I was told this was a DirectoXXXX policy and not a company policy. I asked how I can get a hold of this Director and I was informed I wasn't able to get a direct number, but I was provided her name XXXX XXXX. Is this Director an investor for Speedy Cash that's allowed to make up her own " policies ''. I feel bad for all employees working for these locations you can definitely tell that they aren't comfortable in implementing " policies '' that aren't really companywide but need a job and must follow what is being told. I would like for someone to look into the business practices of this " Director '' and let her know she can't make up her own rules and must follow company policies across the board. I know I'm not the only customer who is being a victim of an employee who acts above their payrate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct address isXXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas,  XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Student loan

I had money from the VA that was due to me since last month in XXXX and didn't get it and also my tuition was paid in full and I have had my financial aid payments sitting on my account since XXXX. They said they are in receivership and don't have exact dates to when stipends are going to be released. But just as other students I count on that money to help with bills and etc.. I have fallen behind on a few payments because the school has not released my funds. The funds are mine and my federal subsidized loan and they have it on my account but have not sent it to bank mobile as of yet. They don't answer their phones or anything I've only gotten email traffic back from my temporary financial XXXX. I hope this problem can be expedited. Thank you for your assistance with this.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and I seen that XXXX XXXX XXXX ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there! 



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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting or other personal consumer reports

I have an account with a company called Self Lending. I have never had any late payments. I have noticed that since I have been disputing items regarding my balance to CFPB as well as to each individual Credit Bureau 's, Self Lending as well as a few other companies, have been reporting my credit usage several times within the same month. 

My Credit statement is from the XXXX of the month until the XXXX of the month. This changed XX/XX/XXXX. Previously, it was from the XXXX ( or whenever each month ends, ex XXXX for XXXX, XXXX for XXXX, XXXX, etc ). 

Starting around XXXX of this year, ( XXXX ), they have been reporting my balances and as my balances have increased, my credit score has dropped drastically. I called them on XX/XX/XXXX after I noticed this pattern and after my score decreased drastically of this. My Case # is XXXX ( Self XXXXXXXX ). They could see what my balances were at the end of the billing cycle and what they were reporting, which was totally different, however, they wanted me to go back online and supply them with what I saw on my credit report, as if they were oblivious to what they were seeing and what they reported. I advised them that I refused to do their job for them and they could SEE what I was looking at. 

They never resolved this issue and I have lost well over XXXX XXXX  with XXXX alone.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/PPC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did Equifax. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXXl on XX/XX/XXXX so Please tell Equifax and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : The following letter was sent over 30 days demanding removal of inaccurate and invalidated information on my consumer report. 

Subject : Fair Credit Reporting Act, Section 603 Dear XXXX : Wakefield, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

See claimant XXXX, I have disputed too many times to count. I need CFPB to get involved with this matter. I am going to file a lawsuit against TransUnion for its lack of investigation and failure to protect the consumer from publishing an inaccurate report. They are the only agencies that will not correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX collection account which are not owed, false information and outdated. I have disputed several times and they are still listed. Please help XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX