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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX 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 looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I purchased a card about 5 years ago at XXXX 's XXXX XXXX value of {$500.00}. I bought 2 cards and used them to go on a trip. I thought the card was empty so it was destroyed. Then I got a letter from US Bank stating that there was $ XXXX.and change left on the card and that I needed to call them if I needed a replacement card or the $ $ would go to the state. I called as soon as I received the letter and was told, " no problem. a new card would be mailed and I would receive it in 7-10 working days. '' The card never arrived however I was charged a {$5.00} re-issue fee. So I called back and a second time was charged a re-issue fee and told it would come in 7-10 working days. The card never came. I called back a 3rd time and was told that it had been done wrong the first 2 times and now I needed to fax the front and back sides of the letter, the envelope it came in and a letter written to them of why it needed to go to a new address.since my home was involved in a legal battle. I also included my drivers license copy so they had my ID with the original address on it. I had to pay {$8.00} to XXXX 's to have this done as now I am living in my car and don't have access to my own fax machine. Still no card came. Spoke to a manager a fourth time and still no card. I called next and now they say there is no record and I should fax all these things again and that I need to provide a new envelope with the address change on it. I have no bills and I am responsible so I notified all important parties that I had an address change so I an not at this time provide a new envelope with a change of address sticker on it. US Bank has been so nice on the phone until the last man I spoke with who was rude and inconsiderate. It should not take 5 months to get a replacement card of {$250.00} Everyone needs a little help sometimes and I really could use this money as I am now homeless and on food stamps and living in my car. Thank You P.S. Any documents I have now will have to be downloaded or copied at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting for a long time now an accident in my driving record, every time I try to get auto insurance that accident will come up. I called LexisNexis many times and explain that accident is not mine, they are confusing me with my father. My fathers name is XXXX XXXX and my name is XXXX XXXX XXXX, the car my dad had the accident ( XXXX   XXXX XXXX ) is the car Im driving now and every time I try to get insurance that accident will come up. Please help me fix this misunderstanding, thank you very much for your help.
Product: Money transfer, virtual currency, or money service

On XXXX-18 i went to atlanta check cashers located at XXXX XXXX XXXX XXXX, ga XXXX and presented a money order to be cashed in the amount of {$240.00}. the cashier then charged me a check cashing fee of {$24.00} and gave me a receipt and no cash. i asked for the cash and she stated that i have an account for collection with them and i will not be getting any cash back from this money order ( transaction code XXXX ah. and handed me a reciept that states the collection account is for XXXX XXXX XXXX XXXX not XXXX XXXX i explained to the cashier i am not affiliated with this company and was an employee over 4 years ago. the cashier stated i need to call their corporate office on monday at XXXX xt XXXX on XXXX-18 i called and talked to a woman who claimed to be the manager of the collection department named XXXX and refused her last name she had a very bad accent and could barely understand her as i do not speak XXXX i asked for my money back and she would continue to laught and would continually hang up on me or put me on eternal hold and never come back to the line. i would specifically ask her for date of a returned payroll check from XXXX XXXX XXXX and the amount of the check and copie of any document i signed agreeing that i would be responsible for repayment of any pay instrument that is returned by my previous employer and not him..XXXX  would stste over and over she does not have to provide me with anything and suggested that i call the police and saidthey will not do anything to them and i will never get my money back ..when asked to speak to management she sd she was and would over tsalk me and bellittle me and speak to me in XXXX when i do not speak the language i repeated to her over and over that i am an american ... the issues with htis is that this company took me money with even verifying anytrhing and refused to provide any documented proof of their allegations that a bad check even exsist or verification of the debt also needed to know the date of the check as i have not worked for this company in at least 3 years and the state of georgia has a statue of limitation law. i believe this company who refsed to provide and proof or their physical address or names are running and operating finacial scam thats punishable under the rico act i have found out the georgia secretary of state list the owner as XXXX XXXX who resides in XXXX il and has a ficticious address to avoid civil suits with a fake registered agent listed to attorney XXXX XXXX XXXX XXXX  XXXX at XXXX who sates they can not confirm or deny that the represent her also to avoid responsibility allowed by due process of the law and they jusy happen to be located by their main office at XXXX XXXX XXXX XXXX XXXX ga XXXX ..this company should reimburse me my money andshould be investigated as fraudently cmpany that seems to oppress consumers living in the united states as that is exactly what the cfpb has been set up to do.if you have any further questions or concerns please feel free to contact me at XXXX or XXXX..thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This collection agency is reporting a debt to my credit report. I sent them a letter in XX/XX/XXXX requesting validation of he debt cause is not mine since is from XX/XX/XXXX and I always had medical coverage, and to be more specific I was pregnant at that time and my health insurance covered everything. The fist 30 days on this letter they dont reply. I sent them a second letter and they sent me medical bills with procedures that supposedly I got done. I sent this to the credit bureau for HIPPA VIOLATION since they didnt provide me a HIPPA released form signed by me. The credit bureau contact the agency and the were able to validate this debt. I once more contact the agency requesting the documents they use to validate this debt, and once more I don't have an answer from them. I need this to be removed from my credit report since I dont own this debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies Equifax, XXXX, and XXXX Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to Equifax, XXXX, XXXX ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( XXXX of XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' Equifax, XXXX, and XXXX do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

The credit reporting agency violated FCRA, 15 U.S.C. 1681i by failing to conduct a reasonable investigation of disputed accounts. Despite providing clear evidence that the accounts were fraudulent the accounts were not removed from the credit report. This failure constitutes : Non-Compliance with Reinvestigation Obligations : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any item disputed by the consumer within XXXX  days. No adequate reinvestigation was performed, and the disputed information remains on the credit report. 

Failure to Correct Inaccurate Information : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the consumer reporting agency must delete or modify inaccurate or unverifiable information after the reinvestigation. The failure to remove the fraudulent account despite proof of its inaccuracy violates this requirement.

Violation of Notification Requirements : Under 15 U.S.C. 1681i ( a ) ( 6 ), the agency must provide the consumer with the results of the reinvestigation. The lack of timely notification about the investigation results further violates the statute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$150.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$900.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$4800.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$10000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX -Balance {$1700.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$50.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$840.00} - Date Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate names, addresses, phone numbers, spouse and social security numbers please see hi lighted in XXXX  attached report of inaccuracies.
Product: Mortgage

On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.
Product: Credit reporting or other personal consumer reports

I currently have some unauthorized inquiries appearing on my credit report.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Debt collection

Calling inlaw 's relatives says I need to contact to avoid legal actions when I have not been contacted and do n't know what in reference to.
Product: Vehicle loan or lease

So I bought this car in XXXX. I traded in my cruze for it. I didn't know what the interest rates were this was my first time buying a car with a lease. My interest is 22.99 % if my calculations are right I pay {$340.00} a month and only {$100.00} goes towards the actual cars price the rest goes to interest. Right now XXXX months later this car doesn't work. XXXX of last year I tried to see if they could refinance my payments. They said they don't do that. The woman was very rude didn't care to help. All she kept saying was find another finance company that will take your loan. By the tone I new XXXX would. And I've called dozens XXXX will. Because of the high miles. I bought this car at XXXX XXXX will take this loan apparently when it's more then XXXX miles or more. I have put thousands into this car. XXXX days after I bought the car I got pulled over because I had no headlights. I had to replace the covers also because they were so fogged up I couldn't see driving at night. I had to fix the control arm I've had to fix the CV axle. Now my ignition doesn't work. XXXX can figure out why. My loan in XXXX months has only gone from XXXX to XXXX. I make XXXX payments a week. I just can't keep up with the high interest rate. I looked at how much a XXXX XXXX XXXX is going for its only going for less then {$8000.00}. Now I'm at a point where I can't keep paying for a car I can't even use. And it doesn't seem I will be able to get out of this loan anytime soon to either fix the car or get a new one.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a money transfer ( # XXXX ) using WorldRemit service. Total amount u $ s XXXX. After that I never received any communication indicating there was a problem with the transfer. so I assumed everything was taking care. 
On XX/XX/XXXX I received an email from Worldremit stating that the above mentioned transaction was never completed and they were going to issue a refund. 
On XX/XX/XXXX, I requested information on the refund via online chat and I was given a Case Number to my claim ( XXXX ) to use for future reference. 
On XX/XX/XXXX I requested via online chat an email address to request information and I emailed a request on the refund status. 
On XX/XX/XXXX, I forwarded bank account information as a response to an email from WorldRemit in which they stated they were having " system restrictions '' and requesting Bank account information to proceed with the refund. 
On XX/XX/XXXX I emailed Worldremit requesting an update on the refund. On XX/XX/XXXX once more I contacted Worldremit via email to no avail, I also contacted Worldremit via online chat and provided once more my bank information to no avail. 
As of today I have yet to receive the refund from WorldRemit.