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

I tried to check my credit report with TransUnion on XX/XX/20. Their website used deceptive tactics, routing me to sign up for credit monitoring service without ever stating that it would charge me {$19.00} per month. Their website asked for my credit card information, however the website never notified me that TransUnion would charge me a monthly fee, and it instead appeared that my credit card information was needed to obtain my credit report. When I received my TransUnion credit report, I never received any notification that I had signed up for a monthly fee, nor did I receive an email receipt stating this charge. When I checked my credit card transactions the next day, a {$19.00} charge was listed from TransUnion. I then went to the TransUnion website, logged in, and found it exceedingly difficult to cancel this subscription, as the link was hidden away in a page ostensibly unrelated to billing or subscription services. I then called TransUnion to dispute the charge, however I remained on hold for over an hour. 

After looking into this issue, it appears that TransUnion has used similar tactics to have customers unknowingly sign up for services in the past ( see an example here, which I found was written up on cleveland.com https : XXXX ).
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, have all violated my rights. 

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.

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: Student loan

I have a private student loan from XXXX XXXX XXXX serviced by XXXX XXXXXXXX XXXX. Every time a payment fails, I am charged a fee of about {$30.00}. This has at times been an issue on their end and their customer support is not generally helpful. 

Furthermore, their notification process is slow and requires me to log into a website that barely functions, often leading to additional late fees. Altogether, it feels like a predatory scheme to extract even more money from borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, XXXX XXXX have never applied for credit application or any inquiry with Capital One. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report with XXXX. Twice on date of XX/XX/2022 and on XX/XX/2022. I do not have any accounts with Capital One this inquiry was unauthorized without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a dispute company listed same account twice to further hurt my credit report.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of XXXX I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several months. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

Re : Dispute of ( SECURITY CREDIT SERVICES ) Request for Removal of Debt Collection Account Due to Fair Credit Reporting Act ( FCRA ) Violations Dear Sir or Madam, I am writing to formally dispute the debt collection account listed on my credit report under account number no account number associated. I believe this debt account has been inaccurately reported by the collection agency, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that you remove this account from my credit report due to these violations. 
FDCPA and FCRA Violations According to 15 U.S.C. 1692g of the FDCPA, I am entitled to dispute the validity of any debt within 30 days of receiving the initial written notice from the debt collector. Under this same law, the debt collector is required to cease collection activities until the debt is verified. I was not provided with the appropriate notice of my right to dispute the debt within the required timeframe, nor was I given the opportunity to validate the debt before it was reported to the credit bureaus. 
Additionally, under the FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers of information ( such as debt collectors ) are required to report accurate information to the credit reporting agencies. Reporting a debt without providing me the opportunity to dispute or validate the debt is a violation of this law, as well as my consumer rights. 
Request for Immediate Action Due to the violation of my rights under both the FDCPA and FCRA, I am requesting that the debt collection account be immediately removed from my credit report. I also request written confirmation that the account has been deleted from my credit file. 
Please investigate this matter promptly as required by law and provide me with a copy of the results of your investigation. If the debt is not verified or if the information reported is inaccurate, I expect the account to be deleted from my credit report. 
Please consider this letter as a formal complaint under the FCRA and FDCPA. I expect a response within 30 days as required by law. If this matter is not resolved in a timely manner, I will have no choice but to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>XXXX  Key Points Referenced : 15 U.S.C. 1692g ( FDCPA ) : Notice of debt and right to dispute.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Furnishing accurate information and correcting errors.
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by 7 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 person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On or about XX/XX/2021, debt was disputed and investigated by XXXX and removed from credit report. However, it has not been removed from XXXX credit report as agreed. 
It's was found to be fraudulent in nature and uncollectible.
Product: Credit reporting or other personal consumer reports

Ayo Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXXXXXX in XX/XX/XXXX. They arranged financing for me in the amount of {$2000.00} through American First XXXX. 
I was told that the loan was interest free if I paid off the loan by the end of XX/XX/XXXX. 
I never received any paperwork from either XXXX XXXX or American First XXXX 
On XXXX XXXX, XXXX American First debited my bank account for {$31.00} and then {$160.00} every two weeks beginning XXXX XXXX, XXXX. I made the eleventh installment of {$160.00} today XX/XX/XXXX. 
I had a motorcycle accident on XX/XX/XXXX and was in the hospital for two weeks with multiple XXXX, and had XXXX to put my XXXX back together. The motorcycle exploded and does not exist anymore. Doesn't matter. If I wasn't wearing a helmet I wouldn't be alive to write this so I am grateful to God for that. Needless to say I missed the interest free deadline.and when I went on the American First Website in XX/XX/XXXX to pay off my loan I was sure what I was seeing was a mistake! They said I owed {$4700.00}! When I emailed them that is when I first saw a copy of the loan agreement! I totally expected to have to pay all the back interest for the interest free period but never did anyone ever communicate the how the terms of the loan would impact me if the loan was not paid before the interest free period expired! They sent me the loan agreement on XX/XX/XXXX in response to my email inquiry regarding paying off the loan. XXXX XXXX and American First XXXX give a whole new meaning to the words UNFAIR AND DECEPTIVE!!! When I called American First XXXX after receiving the paperwork on the loan agreement they had the nerve to offer me a payoff amount of {$3700.00}!!! PLEASE tell me that you can help me! I of course am willing to pay my fair share of the remainder of the {$2000.00} loan ( approx. {$250.00}. plus interest for the borrowing period XX/XX/XXXX - XX/XX/XXXX ) but if they are not willing to accept what SHOULD be fair and legal there is nothing else I can do except default and allow them to tank the credit score I have been working so hard to improve! Can you please help me? I checked with the XXXX XXXX XXXX  and they show 821 complaints in the last three years against American First XXXX! The complaints are all like mine and the response from American First XXXX  is always the same generic response... .. '' sorry you agreed to this " ... ... ... .but I did NOT agree to this ... ... .they NEVER communicated anything like this until I emailed and called them! I had no idea! XXXX XXXXXXXX   made the loan process as easy as click here and click there and the only contact American First XXXX  ever made to me was to debit my bank account. I am sincerely hoping that there is a law against this type of FRAUDULENT, UNFAIR, AND DECEPTIVE TRICKERY! All of the people at these businesses need to start praying that God shows mercy on their souls when their time comes. How many financial lives have they destroyed.? Please tell me that you can help me! 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN Under 15 USC 1981 b -permissable purposes of consumer reports ( 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 XXXX XXXX XXXX XXXX XXXX NEVER gave EQUIFAX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts linked below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX 2020
Product: Mortgage

This is the 3rd CFPB complaint concerning Wells Fargo Mortgage.

They are denying that monthly payments have been made, for four months or longer each time, This began back in XX/XX/XXXX, and is still continuing. 
They are reporting to credit agencies that I am not making payments, which is impacting my credit score.  They have declined in past complaints to add an addendum to the agencies saying that the payments were made on time. 
My latest WF bill indicates that XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX payments have not been made. 
I pay by check at a local branch each month, and each check has cleared quickly. 
I am attaching copies of the checks and the receipts from the tellers. 

Because WF continues this practice, I will be making quarterly complaints to CFPB about payments not credited within a month 's time.
Product: Debt collection

I have identified multiple accounts on my credit report that were added without my permission. I urge you to block and remove these fraudulent items promptly.
Product: Credit reporting or other personal consumer reports

Lexis Nexis provided information to XXXX and XXXX that is not accurate. Lexis Nexis did a reinvestigation and stated that they verified the XXXX  as accurate after using XXXX which provides information about accessing and filing federal XXXX  records electronically. As was disputed the on XXXX and XXXX the following bankruptcy information per the FCRA. U.S XXXX XXXX does not provide information to credit reporting agency and I did not sign a contract with Lexis Nexis or XXXX. This is a demand to remove this erroneous and inaccurate information immediately from my Lexis Nexis, XXXX and XXXX reports. 

The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

After logging in online on XXXX/XXXX/2016 and previous being logged in online through my account on XXXX/XXXX/2016 I noticed that Amazon Credit Card ( Synchrony Bank ) had lowered my credit limit from {$600.00} to {$100.00}. Which is very funny seeing that I just had their card security make a payment to pay the prior balance of over {$700.00} as a debt cancellation just two days before and that posted on XX/XX/XXXX. Well on XX/XX/XXXX even though the statement generated on XX/XX/XXXX shows available of {$100.00}, it still showed I had an available credit limit of {$600.00} and - balance on my account. Well when I woke up on Sunday to make a purchase I noticed I only had a {$100.00} limit I immediately called them and spoke to a manager who informed me the reason that my account limit was lowered was because of the claim being filed and the account being paid off by card security. I asked her again how is that fair that something that is there to protect someone 's credit causes them to have negative effects on the credit when they use it. She then changed her story stating that the limit was lowered because after the payment a new credit report was pulled and that the decision was based on factors that were obtained from that report and that this is something that Synchrony randomly does but has never done in the time I have had the account and also they have pulled my credit prior to XX/XX/XXXX because I had tried to get a credit increase and it was denied because of credit at that time, so that theory of randomly being selected should be knocked off the list of why my account was lowered. This is the company 's attempt to fault customers when they use the card protection on the accounts they have with Synchrony Bank and they are using excuses of random credit report checks, or your pay history ( which before the event happened was paid every month ) to justify lowering a customers credit after they use the account security and something should be done about this because if you research it online there are XXXX 's of other customers this has happened to after using card security and they continue to get away with this.
Product: Credit reporting or other personal consumer reports

I dont recognize any of these lenders and I dont remember authorizing them to perform hard inquires on my credit report Inquiry from XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 

: XXXXXXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These companies are reporting fraudulent inaccurate Information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX
Product: Credit card or prepaid card

I received a letter on XX/XX/2018 that Barclays bank closed my 2 person cards due to " your history of account usage '' Multiple calls to the bank has yielded no explanation as to what I had done wrong, and why exactly my accounts were closed. I have been a loyal upstanding customer with no missed payments, and have been wrongfully shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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.

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

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

received two un solicited inquiries through Experian one from XXXX XXXX  in XXXX XXXX, ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to Experian nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,