23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was a medical debt of {$1700.00} that I owed to XXXX XXXX, XXXX   and collected by Transworld Systems , Inc. This debt was paid in full by check which was cashed on XX/XX/2020. Payment in full was acknowledged in writing by XXXX XXXX and Transworld Systems, Inc on XX/XX/2020. Since then, I have received monthly requests for payment of an additional {$350.00} despite the fact that I have mailed a response disputing the claim and a copy of the letter stating that the account had been paid in full.
Product: Debt collection

USAA COLLECTS & has destroyed my Credit. See attatched. CREDIT CARD FRAUD CLAIM {$470.00}. 1 ) USAA HAS NOT PROVIDED PERMANET CREDITS {$470.00} ( 2 ) TWO YEARS LATE. ** Kindly Note Complaint is ALSO 2 ) USAA JUST PROVIDED FRAUD CREDITS FOR XX/XX/XXXX {$460.00} ON XX/XX/XXXX. TWO YEARS??? ** AFTER DESTROYING MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, GLOBAL LENDING SERVICES has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
Product: Student loan

I have submitted my XXXX application to MOHELA beginning XX/XX/year>. I faxed it to their offices. I faxed it again in XX/XX/year>. In XXXX, I also uploaded my application to their website via my account. They have refused to process it each time. And now, they are sending me bills for repayment. They have placed my account in repayment, per the US government. My account should be in forbearance.
Product: Debt collection

so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.
Product: Mortgage

I have a XXXX  with Suntrust Bank since XXXX. The loan amount was {$15000.00} variable rates, Interest only. Since then, the interest rates have dropped tremendously, but my rates have never changed. As of XX/XX/XXXX, my loan amount have not reduced and I have been paying, on time, for 10 years now. I've made extra payments on the principle and still no reduction. I have called and complaint to Suntrust, but no one could explain why my balance still remain the same or more. Currently the balance is {$15000.00}. They now have changed their name to Truist. Please help!! I'm a XXXX  citizen and I think the bank is taking advantage of me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I identified several inaccurate items in my credit report that required immediate attention and correction. I followed the proper steps that I found online which is to send my disputes in writing to XXXX and Experian. I have done this at least 3 times within the last 6 months and have not received any response. I have also tried to submit this information online but am blocked from submitting my dispute online. As of today XX/XX/year>, I have not received any response from XXXX or Experian regarding their investigations into the provisions of 15 U.S. Code 1681 ( unfair credit reporting that may affect my credit standing, credit capacity, character, general reputation, and personal characteristics ).
Product: Consumer Loan

I purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans. 

Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill. 

Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Consumer Loan

i have a loan from a payday co. i had requested my bank to stop ach payment each mo as i have that debt added to my debt releif program. my bank told me that to stop the deduction from my bank acct i pay a fee so that was done then i also cancelled my atm card as the co had my card number as well. they still debited my acct by submiting a check they generated. my acct is now closed. im a vet my primary income deposited into my acct was from va benifits. i also emailed this co and told them i did not authorize any more deductions but it still was done.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : CXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.FRD MOTOR CR XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. 

They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. 

I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. 

These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. 

They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting

there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This company did not disclose that the APR for this {$1200.00} loan was 653.25 %, meaning that I would have to pay back over {$6000.00} through 20 bi-weekly payments. I made payments for months and ultimately ended up having to pay {$1200.00} to pay the loan off early in full. They did not allow me to pay in full online, instead I had to call and they schedule the payment for 1-2 days from today.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Due to it being over 60 days those items should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have never had any credit cards or auto loans in my never EVER. I Only had student loans. My credit report is full of fraudulent accounts and auto loans that I never authorized ever in my life. This is crazy because I am getting harrassed by debt collectors and falling victim to accounts on my credit report that I never authorized or allowed ever in my life. According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU. 

There is multiple credit accounts such as XXXX opened XX/XX/XXXX with an amount of {$3900.00} that I never authorized ever. 
XXXX XXXX  opened XX/XX/XXXX with the amount of {$3600.00} XXXX XXXX  opened XX/XX/XXXX with the amount of {$2700.00} XXXX XXXX XXXX loan opened XX/XX/XXXX amount of {$27000.00} XXXX XXXX XXXX account opened XX/XX/XXXX Amount of {$12000.00} XXXX XXXX  in the amount of {$16000.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount of {$1000.00} XXXX  XXXX account XXXX XX/XX/XXXX in the amount of {$2300.00} I did not authorized none of these accounts and they all are fraudulent accounts, When I was XXXX XXXX XXXX my house burned down in a fire which caused me to loose all me and my families personal information from the fire. 
There is a bunch of wrong address on my credit file that are not even mines that I never lived at ever According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU.
Product: Credit card or prepaid card

A refund deposit to my Citi Bank Credit Card Account in the amount of {$17000.00} was made on XX/XX/XXXX due to a cruise cancellation. I requested a refund check on XX/XX/XXXX and was told it would take XXXX business days to process. I subsequently telephoned Citi Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX and again today, XX/XX/XXXX. I spoke with XXXX supervisors who apologized for the delay and that the check was mailed on XX/XX/XXXX. When I did not receive the check on XXXX XXXX, I telephoned again on XX/XX/XXXX and a supervisor told me how Citi completely mishandled this request, apologized for the delays and that the check amount would be directly wired into my checking account within XXXX hours. The XXXX hours have passed and still no funds have been deposited. I followed up with yet another call to Citi Bank today, XXXX XXXX and was told it takes XXXX days additional days for " approval '' for a wiring and then XXXX more days for the funds to be wired. 
This has been a time consuming, frustrating process in which Citi Bank has kept my money for over a month. I am requesting any assistance that the CFPB can provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On me XXXX Credit Wise credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as XXXX and Credit Wise to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit agency arbitrarily reduced my credit score by over XXXX points which was not based on actual credit worthiness but " perceived financial impact '', their words not mine. 
The " perceived financial limpact '' is solely based on a survey they did, not my personal actual worth which has caused me harm in that I am unable to complete a mortgage application due to the drastic decrease.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report provided by XXXX XXXX and reported to XXXX and Equifax. The discrepancy involves the reporting of my first late payment, which XXXX XXXX asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XX/XX/XXXX. 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XX/XX/XXXX, not XX/XX/XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided. 
Furthermore, I assert that XXXX XXXX has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and Equifax. 
* A comprehensive and diligent investigation into XXXX XXXX 's reporting practices to ensure compliance with the FCRA. 
* Assurance that XXXX XXXX rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX