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

Back in XXXX of 2018, I needed to pull my credit report for an application for a new home lease. I pulled this through TransUnion. They charged me XXXX because I pulled My wife 's also. That was fine because I needed to get it done. I recently stopped using using my credit cards and have been really trying to improve my credit score. I noticed my credit card balance go up even though I didn't use it. After checking into it Trans Union has been charging me {$19.00} er month for the past year!. I XXXX  this and this is a scam that they are pulling on 1000 's of people! I called TransUnion and spoke to them and they tried telling me that this was a service that I signed up for. A service that would help me monitor my credit. Well in fact if this was true, I asked then why didn't I get emails from them about my credit changes in the past year? I get them for free from XXXX XXXX! 
I canceled this 'service '' and the {$19.00} monthly fee. 
All seems good now BUT within 3 days of me doing this they dropped my credit score 15 points! 
According to XXXX XXXX They dropped my score 15 points and there were 4 changes that TransUnion reported to my credit report : 1st change - Paid off a credit card that had a {$160.00} balance 2nd Change - Reduced a balance on a credit card by {$340.00} 3rd change - Reduced a balance on a credit card by {$130.00} 4th change - Reduced a balance on a credit card by {$9.00} I did not add any credit, inquiries or negative items. 
I paid down my credit balance by {$650.00} yet my credit score dropped by 15 points!!!! 
Clearly TransUnion is penalizing me because I canceled their scam payment of {$19.00} This company needs to investigated, forced to refund, change their policies, penalized and or be forced to shut down. 
They are praying on lower income and poor credit consumers who need to use their services.
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice a fraudulent account. Please delete this account as it preventing me to obtain credit.
Product: Credit reporting or other personal consumer reports

I Have Multiple Unauthorized Inquiries On Credit Report That I Need Removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

the scam of XXXX days same as cash for furniture, I purchased {$1500.00} of furniture and was financed by Acceptance Rentals, an additional charge of {$3100.00} was added on to my {$1500.00} purchase a total of {$4600.00}, for XXXX mattresses, bunk bed frame, XXXX box spring, a loveseat and small sofa, that cost {$1500.00}. I contacted the lender and was told that the additional charges of {$3100.00} was for the cost of the lease agreement being maintained, and that they do not charge any fees or interest on the initial loan of {$1500.00}, and that {$62.00} of my $ XXXX monthly payment was applied towards the cost of the furniture and that the remaining {$130.00} was for the depreciation of the furniture while I have possession of the furniture. I want to know what law authorizes such predatory behavior upon low income consumers who rely on credit to afford their basic needs of living. My payment is $ XXXX monthly for XXXX months total cost is {$4600.00}, what a rip-off. I was told by the store representative that processed my application that I can pay of the {$1500.00} in XXXX days and owe nothing and the furniture belongs to me and in the event that I cant pay of in XXXX days, any monies I paid towards the {$1500.00} will be applied towards any remaining balance and that remaining balance will be spread out in the XXXX months, so I was made to believe that remaining balance from the {$1500.00} is all that I will have to pay off in XXXX months resulting in {$62.00}, not this outrageous new additional charge of {$3600.00} for some lease maintenance and the depreciation of the furniture while in my care. I am paying to own the furniture in XXXX months so why am I being charged for the cost of the depreciation of the furniture, the manager told me that in case they have to repossess the furniture for non-payment that the furniture will lose value and they cant sell the furniture to reap their losses, but they never put all this information on the lease agreement I got from the store clerk. the lender further states in the agreement that any statement made by the store personnel is not part of the agreement and that THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE, their agreement also states that although they do n't conduct a CREDIT CHECK BUT RESERVE THE RIGHT TO VERIFY ANY/ALL INFORMATION PROVIDED ON YOUR APPLICATION, yet the store personnel pulled my credit report and based on my credit score it determined how much money I will be loaned, the lender is in partnership with the store merchant to conduct business on their behalf to solicit customers and advise customers of the lenders guidelines and they just ripoff the poor consumers,
Product: Credit reporting or other personal consumer reports

I wrote Trans Union XXXX and XXXX regarding some accounts on my report that looked suspicious asking them to verify the accounts and they have yet to do so. Subsequently i filed a FTC report and a police report which Ive attached. As you know 15 USC 1681 c-2 states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency As i stated Ive attached all the necessary documents for these accounts and the FTC report has a list of said accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they 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 an 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 or other personal consumer reports

I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- XXXX XXXX -- XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # XXXX.
Product: Credit reporting or other personal consumer reports

Basically I was young and made some bad choices 21 years ago and have never been able to live a happy I always get denied for a loan or auto loan I opened two business and was doing great then I had a employee steal my identity and account information and I am the one who is being punished for reporting it to the bank and they made it so I cant even run my 2 business now I am have lost my house and am about to lose my company cause I cant get a loan to help me with XXXX I traded my truck I got behind on and the car lot gave me a truck then ran my credit 30 to 40 times and then 2 weeks later said they need the vehicle back cause I was denied the loan due to past credit I am feeling like I am being denied everwhare I have tried paying things off and closing account but that doesnt help I have put over XXXX down in the last 2 months and the car lots have keep my money and not gave me a loan I want to change my identity cause this is making my life unlivable and cant get anyware with what going on this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are needing to be removed. I didnt initiate them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX
Product: Student loan

I have shared my cost expenses and loans received for my schooling with Navient customer service advisors, management, etc as they carry my loans service with University XXXX XXXX with no help just the same answer over and over. I explained the interest continuing to grow more and more and the payments that I was able to make ( over $ XXXX ) were applied to the interest and not much to the principal at all which interest continues to keep getting higher putting me further in debt. They promoted flexibility and convenience, which was anything but those. All the school would do in the beginning is stress how easy it is to the get the loans and it would be low interest with quick turn-around pay off after graduating. That was such false information and when I questioned the information after graduation all they would say is we highly suggest forbearance or deferments. Which in return just builds more and more debt. There was no assistance in lower income payments offered just the same said over and over. I requested numerous times for the low income payment program, but they kept advising the forbearance/deferment program instead and would talk over me. Now I am {$57000.00} in debt when the original note was under {$30000.00}. The financial assistance they keep telling me about was false and there was no guidance whatsoever. I have contacted Navient numerous times about my loans trying to get things ironed out about where my payments were applied and I would receive the same answer, we will review and see if adjustments can be made but in the mean time apply for the deferment program so that you can have a break in payments. How is that helpful it just increases more interest and nothing resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate credit inquiries listed on my credit report. After thoroughly reviewing my report, I have identified inquiries that I did not authorize and believe they were made in error or without my consent.
Product: Debt collection

I defaulted on a loan and it was sent to a collections company called Zwicker and  associates. Once I got back on my feet, I called Zwicker and Associates and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} XXXX a difference of {$4700.00} XXXX as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, XXXX has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from Zwicker and Associates saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of having my information released to the public via the Equifax Data Breach as well as the XXXX Data Breach. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.
Product: Debt collection

Made arrangement on payment, but they still call every few hours from XXXX XXXX and was told not to call to check their notes on date payment would be made. I'm suffering with stage 4 XXXX and this is upsetting as well as harassing,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Someone used my personal information to apply for loans and or accounts that are now reflected on my credit report. There are accounts and inquiries due to this fraudulent activity.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> Navy Federal Credit Union allowed a loan to be taken out by a scammer. This loan was never verified or approved by me. I then received a phone call from a Navy Federal phone number stating that a loan was fraudulently taken out, and I needed to send it back. Since the call came from Navy Federal, I believed this was not a scam. I sent the money back as requested because I didnt need, and could not afford this loan. I called Navy Federal to verify that the money had gone through, and they had no knowledge of anything that had take place. This loan should have never been allowed to go through without my permission in the first place, so I shouldnt be responsible for it. Navy Federal didnt use a proper verification process and violated security measures in allowing this to go through. I have filed a complaint and an appeal and been denied both times without a reason. You will see in my uploaded documents that the promissory note was electronically signed in XXXX, XXXX. It can be verified that I was never in XXXX.
Product: Checking or savings account

I woke up yesterday with my money, not in my bank. They said it would be fixed by yesterday. It is now today and it is still not fixed, but bills are still coming out and being returned and Im being penalized by those bills companies I want my money
Product: Debt collection

during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later XXXX XXXX contacted me by phone ask me to pay the JCPenney bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that XXXX XXXX is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that XXXX XXXX is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.
Product: Credit reporting or other personal consumer reports

I requested that Equifax and XXXX show evidence of what they used to prove the accounts was accurate they playing games I need for you'll to treat them like XXXX they need to be sued i have a copy of the documentation the requested i send them to verfify me and they continue to wait for 30 days to respond and they send letters back saying they can't identify me ima upload the same documents to you'll and see if they tell you'll they can't identify me and i want you'll to use to the same information and you will see they lying and have been damaging me for years I'm requesting they show Subject : Request for Verification Evidence and Reinvestigation of Disputed Information To Whom It May Concern, I am writing to formally dispute the accuracy of specific information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request an immediate reinvestigation of the information listed below and that all unverified or inaccurate information be corrected or removed from my report. 
Disputed Information Account Name : XXXX XXXX XXXX XXXX Account Numbers. : XXXX & XXXX Reason for Dispute : Inaccurate Reporting & Identity Theft. 
I Demand to see the Evidence that was used to verify this account and Im not requesting a copy of the Fraudulent application I also Demand a copy of the 1099 C and 1099 OID from XXXX XXXX XXXX XXXX for Tax Purpose. 
Request for Verification Evidence Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive : A description of the procedure used to determine the accuracy and completeness of the information. 
The source of the information used to verify the disputed account. 
Copies of all underlying documentation or evidence used to verify the information, including correspondence, account statements, or contracts. 
Action Required I request that your agency : Conduct a thorough reinvestigation of the disputed account. 
Provide me with written confirmation of the results of your investigation. 
Supply the evidence and sources used to verify the disputed account, as outlined above. 
Remove or correct the inaccurate information if it can not be verified. 
Supporting Documentation I have enclosed copies of the following documents to assist in your investigation : XXXX CREDIT REPORT IS CORRECT I HAVE ENCLOSED A COPY YOUR CONSUMER CREDIT REPORTING SHOULD MATCH XXXX. 
Legal Obligations Failure to comply with the FCRAs requirements may result in legal action, including statutory and punitive damages. I trust that your agency will address this matter promptly and in accordance with federal law. Please complete your investigation within the 30-day statutory timeframe as required by 15 U.S.C. 1681i ( a ) ( 1 ) and provide a comprehensive response. 
Contact Information If you require additional information or documentation, please contact me at : Phone : XXXX ] Email : XXXX I look forward to your response. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' equifax, XXXX and XXXX are consumer reporting agencies and i am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608
Product: Credit card or prepaid card

This is a formal CFPB Complaint filed by XXXX XXXX against Wells Fargo and XXXX XXXX. <P/>The financing of the XXXX XXXX customer-purchases ( derived from unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales appointments, themselves, always induced by an elaborate referral-scheme of {$100.00} XXXX gift cards ) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation refers to the exclusive-financing relationship that exists between XXXX XXXX/XXXX XXXX XXXX and Wells Fargo Bank, whereby customers are led to believe that they are applying for a traditional, closed-end loan only for the amount of the ever-shifting price quoted by the XXXX XXXX sales representative. In fact, the Defendants actually trick or otherwise induce, without the required disclosures about the nature of the credit-application being executed, the customers to apply for what turns out to be a XXXX Home Projects credit card, issued by Wells Fargo bank. <P/>As a standard practice, XXXX XXXX sales force completes all paperwork that is executed during these late-night, in-home appointments, and then simply gets the customers to sign the paperwork that was filled out by the XXXX XXXX sales representative. <P/>This practice, pleaded in the paragraph above, is aimed by the Defendants at deceiving and /or concealing from the prospective customers of XXXX XXXX/Wells Fargo : ( 1 ) the nature and quality of the actual products they are purchasing ; ( 2 ) the many terms and conditions that apply to XXXX XXXX so-called 100 % Satisfaction Guarantee program ; and ( 3 ) the financing terms and the fact that a XXXX Home Projects Program credit card is being applied for of the transaction. This practice of the Defendants, among constituting various other torts, breaches of express warranties and implied covenants, and statutory-violations, is an unlawful violation of the Truth in Lending Act.