23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a 100 % XXXX XXXX XXXX XXXX that was trying to get funding to help start up my XXXX XXXX XXXX XXXX XXXX  unable to get funding no where on XX/XX/2023 I went online looking for a business that could help me fund my startup small business. What I found was a link to loan help to XXXX Supposedly XXXX XXXX XXXX that also gave no credit check ( I should've known predatory then ). I filled out form. I was called and was told that I qualified for only a {$1300.00} but I had to sign the loan agreement they were fast talking and in a rush for me to sign a link sent to me for the loan. I figured I could pay it back in no time. I told the loan officer that I only get paid once a month and that that's when payments had to come out, I found out after I got the long contract later that day about a whole bunch of fees and 400 % interest rate this all was significantly left out of our phone loan acceptance I also realized then that they were not affiliated with XXXX. The next time I spoke with the lady I asked her about the tremendous interest rate and how was i supposed to pay the loan off. She said " well if you could pay one half now then pay the other half next payday you wont have to worry about the fees. I figured since I was slick talked into the loan I would pay it off when I get my small business off the ground. Please see attachment of how much the loan is now. When I agreed over phone they sent contract later. I'm sick to my stomach I've been had.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} ; DEPT OF EDXXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; US BKPT CT GA XXXX Bankruptcy XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/16 I received notification from XXXX they had processed my refund. I opened by CashApp account and saw my balance reflected the {$100.00} refund. I opened the app again a few minutes later and saw my balance no longer reflected the refund. 

I contacted customer service and explained how my balance had changed in a matter of minutes. That I had seen the refund processed and credited and then it had disappeared. 

Customer service told me I would need to wait 14 days to receive the refund. I asked why, as it clearly had already been in my account. They repeated I needed to wait 14 days. 

Im confused how it is legal to pull a refund back out of my account for 14 days just so CashApp can accrue interest on it.
Product: Credit card

Citi apparently issued a Citi Costco Card to me, never actually mailed it to me, and charged me for the XXXX membership and now they want me to pay the bill. 

I used to be a XXXX member with an XXXX card. I cancelled my XXXX membership a few months ago and never applied for a Citi Costco Card. They seem to have automatically issued a card to me based on my prior XXXX membership. I tried to tell them multiple times on the phone and they keep transferring me to various departments within their firm. I have wasted well over an hour dealing with this mess which I have no role in creating and it is not right to expect me to spend any more time dealing with this situation. 

Bottomline : Cancel the Citi Costco Card that I never applied for nor received, remove the XXXX membership charges and stop wasting my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems XXXXI requested the report and in it XXXX XXXX  XXXX has put a remark that this account was XXXX XXXX  and due to fraudulent activity it was closed. Called XXXX XXXX XXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for XXXX  years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

Today, XXXX I attempted.to write a check to XXXX XXXX in XXXX, Az. I had cancelled my debit card and a new one is in the mail. I have had the same bank for years and never bounce payments. 
The transaction was declined. I was so humiliated. I thought their has to be a mistake. I had my ID. I called the number that was handed to me. After putting in all these numbers it said fraud indicators. I spike to a rep and verified everything. It did no good. Why do rhey ask for personal information and then tell you that you have no credit with THEM? I didnt even know who they were until this happened. My check was good! They should never ask for personal information when they know it won't help the situation.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to place disputes on my credit via fax to XXXX, Equifax and XXXX. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX : XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
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 these accounts. I have no knowledge of this and all is being investigated 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 accounts : XXXX  XXXX Bankruptcy Reference # : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXXXXXX 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 XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : 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 : 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: Money transfer, virtual currency, or money service

Went to support in they said they will get back to me thru email in I never received a email
Product: Credit card or prepaid card

Within the past 6 months, XXXX XXXX has decreased my credit limit 3 or 4 times making it impossible to pay off or even have a desire to shop there. I feel discriminated against.
Product: Mortgage

I have been experiencing XXXX XXXX XXXX for most of his life and this gentleman who seemed very nice Ave caring informed me by the name of XXXX who claimed to be a financial advisor promise to help me over come my mortgage situation and made it seem like doing a reverse mortgage was the only answer for the current situation and made it sound like my family didn't have my feelings and respect in consideration but now that I need his expertise he no longer returns any of my phone calls he has been very manipulative to my family when I was XXXX  in the hospital and I think he knows my mental health status was a easy target to prey on and took advantage of that I believe this man is a con artist and we don't know what to do we don't even know where to begin please I need help and any information would be greatly appreciated thank you
Product: Student loan

I have formally requested a hearing for the current Wage Garnishment that is being enforced on my salary from XXXX XXXX out of XXXX, NY. Apparently Im being held responsible for approximately {$26000.00} of Student Loans from XXXX XXXX XXXX XXXX XXXX XXXX for years spanning from XXXX to XXXX. I have filed an official Police Report that Im going to hand in with my Identity Theft Packet if needed. I only attended XXXX from XX/XX/XXXX to XX/XX/XXXX and was not aware of the identity theft that was going on using my personal information. 

When I requested the Promissory Notes and Identity Theft Packet from XXXX and/or Ascndium I was sent loan information from a XXXX XXXX out of Texas also, which contained no Signature Page, those loans were in the amount of {$11000.00}. The other Promissory Note that was sent is not even my signature. The different loan amounts and account numbers are confusing because there are simply too many of them to keep track of and the amounts are different across the board. 

I believe that the Administration Department at XXXX was using my personal information to apply for Federal Funding over and over again until finally going out of business. Ive also attached a reference about Federal Court granting relief for XXXX Students because Im not the only victim that this has happen to. This garnishment will absolutely put my family in financial peril, I will lose my house and everything that Ive worked for.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$880.00} charge off from Jefferson Capital. I NEVER had an account with this company.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Account type credit card XXXX XXXX XXXX XXXX XXXX Account type Charge card XXXX XXXX XXXX Account type line of credit XXXX  XXXX Account type Credit card XXXX XXXX  XXXX XXXX Account type Credit card XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 XXXXXXXX XXXX Call received at place of employment by Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were asked not to contact my place of employment. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were again notified that personal phone calls are forbidden at my place of employment and to initiate contact in writing. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery Services from ( XXXX ) XXXX XXXX. Caller was again asked to refrain from calling my place of employment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act 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 can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a pre qualification request for a mortgage company, Freedom Mortgage. I spoke to XXXX XXXX, XXXX # XXXX. On that date, he set up a phone appointment and said he would contact me by XXXX XXXX I never heard from XXXX XXXX. I contacted Freedom Mortgage on multiple occasions and could not get an answer from them until I called on XX/XX/2022. I talked to XXXX XXXX and advised that he had not called me back as promised on XX/XX/2022. He then advised me that there was debt to income ratio issue and he made mention of a {$1000.00} per month payment that is not correct. I then asked for a copy of the report used to make the credit determination. He alleged that I had to get it from a different department, despite the fact that he was clearly reading from said report. It was transferred to numerous departments and have yet to find one representative who has informed me about how to obtain a copy of the exact document used to make a credit determination about me. XXXX XXXX ran my credit and them failed to notify me about the credit decision by any means- phone ; mail, letter, or electronically and refused to provide requested information by pleading ignorance on how to obtain the information