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

Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX -ran 5 times XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ran 2 times XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX DEAR TRANSUNION Congress passed a new law ( FCRA LAW ) which allows you to permanently remove collections that are older than 2 years that are affecting my credit score please delete this account or pay {$15000.00} or {$1000.00} per VIOLATION According to XXXX XXXX Transunion XXXX, Tranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. 
This account violates these laws : 15 USC 16811, 15 USC 168152. 15 USC 168115, 15 USC 1681eb. 
Delete ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject. 



XXXX XXXX Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask! 

Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXX XXXX XXXX first XXXXXXXX XXXX, and cXXXX XXXX XXXX  Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.
Product: Student loan

I filed a complaint ( Case # XXXX ) against American Education Services last year for not working with me on my private student loans. Now I 'm in an even worse position due to the same problem. XXXX of my loans have gone into default. This company is terrible at coming up with a solution for account holders to pay. I 've called several times and been dismissed by customer service reps and supervisors saying there 's nothing they can do. They forwarded my accounts to a collection agency ( XXXX ) that lied to me on three occasions saying that if I made a {$500.00} payment that they could negotiate a lower rate for me. Never happened! I am about to be a mother in XXXX and my employer brought the loan default to my attention. I 'm in a position where my loans can be garnished. I 'm disgusted with this company and in need of a resolution. I ca n't even refinance my loans due to these companies destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If XXXX, XXXX, and TRANSUNION choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXXXXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

Cash app XX/XX/year> XXXXXXXX XXXX spoke with rep whom disconnected the called when informed I was inputting complaint XX/XX/year> XXXXXXXX XXXX  spoke with XXXX who refused to allow transaction to be completed although I verified it was me making transactions and would not waive XXXX to have money to go into my primary account to complete transaction with another company
Product: Credit card or prepaid card

I bought a mattress last year. At the time of purchase, I agreed to pay 0 % interest for 12 months. At no time did the representative explain to me that if I didn't pay the full amount in 12 months, the company would charge me the interest rate for the entire 12 months. I am on a limited budget and tried to pay the full amount. The agreement was over XX/XX/XXXX. I have never missed a payment and had a balance of {$290.00}. When I received last months bill, the bank added {$190.00} in interest charges. I called the bank twice to see if they could work with me since I am on a limited budget and did not understand that I would be charged all this interest. They refused. I feel this is unlawful. First no one properly explained this to me at the time of purchase. In all good faith, I tried to fulfill the agreement, I asked if they could forgive the interest if I paid the bill in full. My sister said she would help me. They refused. Why do you keep letting these banks charge 29.99   % interest to begin with and then charge a ridiculous amount when a balance is almost paid of? 
I am writing to Congress. These banks have to stop their unfair business practices at the expense of the elderly. I want the bank to know this is unfair and they should be willing to work with someone who has a limited income.
Product: Mortgage

Dear Sir/Madam, I am writing to file a formal complaint against Pennymac Loan Servicing regarding the misinformation and harmful impacts of the COVID relief program I was placed in.

In 2020, when I lost my job due to the pandemic, Pennymac represented that they could place my payments at the end of my loan while I got back on my feet. They stated we would resume normal payments once I found new employment. Relying on this representation, I agreed to their COVID relief program.

However, Pennymac then forced me into a loan modification without fully explaining the terms. They added {$140000.00} to my principal balance and increased my monthly payment by over {$500.00} while extending my loan term from XXXX months to XXXX months. My escrow was also raised by {$12000.00} without cause or explanation. 

As a result of Pennymacs misleading advice and actions, I have found myself in potential foreclosure XXXX times in the past XXXX years. The immense stress has taken its toll on my mental health and that of my daughters as well, as we have lived in constant fear of becoming homeless due to Pennymacs mishandling of my loan. I am now facing another foreclosure threat, as Pennymac is demanding I pay nearly {$9000.00} by XX/XX/XXXX due to another one of their internal issues that I had no part in causing. Enough is enough.

Pennymacs actions represent predatory and unethical business practices. They lured me into their COVID program under false pretenses and have essentially stolen my equity and financial future. No company should be allowed to profit so greatly from a customers hardship and misplaced trust during a crisis.

I am requesting a full investigation into Pennymac and action to remedy this wrong. Their actions should not be without consequences. I ask for assistance in reducing my loan balance to the original principal and reinstate reasonable terms, as continuing under this modification will lead to future financial ruin. 

Your prompt attention is greatly appreciated.
Product: Mortgage

well i faught for my home for years im XXXX and on a fixed income and it all started when i got a loan with wells fargo in the beginig they some how was able to tack the other co owner off the title of the modualer home and he did not sighn any thing then they for got to put the lean on the home when morgage was done i filed banckrupsy and the judge awarded me the home free and clear thats when they really started doing things that i thot was not right they only had intrest in my land 29 acers my dee called for 46acers well i thinck if my double wide was free and clear they had no right to put inshurance on it and raise my payments noing i could not pay and cause they had no lawlfully right to inshure something they dont owne then get my payments behind i called and called begging them for a home modification they sold my loan to one of there under companys to make me thinck they were gon na help me i never got a welcome package they would not help me modifie my loan they waited tilll theallable time had went by to othow a short sale forclose on me and they did but this is the kicker i had 46 acers 4 deeds going back a 50years they sold a ll my land and they onnly had 29 acers on paper and what i payed taxes on leaned and they took my double wide and it burnt they got payed for inshurance to cover the loan pluse sold all my land and i really want to know how all that was leagealand raised my payments to XXXX more and me on ssi thats more than half mwell thats my whole monthly income wells fargo is dirty bad buissness i tried to save my home over time 2 banck rupsys forcloshure they finally got it and they had people comming out taking pitchers of my home not the land they had intrest in they totally disgarded a federal judges ruling cause they treated me like they owned my doublewide to so there it is i just pray they dont get to do this to any one else oh and by the way my land was prime vacation or retierment land it sourrounded the lake and i do remeber getting calls about my land being a time share i thinck they sold my land as a time share and then cause it was prvate and could be subsisided in to a gated community they are dirty banking wellls fargoall that federal bailout money and they wouldnt even give me a home modification and how was they able to collect inshurance money on the home dirty
Product: Debt collection

CMRE, a collection agency, is reporting to my credit report a debt that is not mine. They are porting some kind of XXXX XXXX services. As a matter of fact, I 've never had any XXXX in my life other than XXXX. The total amount this agency is reporting to XXXX and XXXX is {$270.00}.
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Account info XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan EquifaxXXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX XXXX  Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX  Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) 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.

Please remove the following items from my credit report immediately
Product: Credit reporting or other personal consumer reports

I received a declination on a loan application through a credit union. The credit reporting agency cited numerous factors that I believe some of which were incorrect. I contacted the Trans Union website and the only way to receive a report was to rejoin a monthly membership. I did so and put in a new and current card number. The website rejected the card three times, although my bank account was charged. I never received the report. I called three separate times to Trans Union. Not one of their customer representatives were able to correct the problem. Two were disconnected and never called back. However, my request has been escalated. Although my bank accepted the first transaction, Trans Union is claiming that they cancelled all attempts because I cancelled my previous Trans Union membership in XX/XX/year>. So I signed up for a new account. It recognized my account and reverted it back to my old account but still did nothing in opening up my credit report. I was charged again at my bank. My complaint is both technology and human support was incompetent on every level : The Trans Union website, customer service reps ( in a foreign country ), and I still have not received a credit report. My funds are being held by the bank for the first transaction but Trans Union is not processing it. Please fix this. It is unacceptable.
Product: Credit card or prepaid card

Citibank sent me a promotional offer advertising " 0 % XXXX XXXX on Balance Transfers until XX/XX/2023. '' However, nowhere on that page ( or the back of the page ) was there any mention of a fee of " {$5.00} or 3 % of the amount of each transaction, whichever is greater. '' The point being that it is very deceptive advertising and I have been charged {$240.00} for having written XXXX balance transfer check for {$8000.00} and deposited it to my XXXX XXXX XXXX  account. When I realized the mistake I had made I paid the entire {$8000.00} back the very next day and promptly closed the account. 
Citibank needs to include the balance transfer fees right up front with the 0 % interest charge advertisement. Their failure to do so amounts to deceptive advertising and I'm sure I am not the first or only person be be deceived by their obviously underhanded technique. 
I'd like to have the {$240.00} I have been charged rescinded.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the item I am asking you to verify as accurate. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX   XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

I have previously disputed with these bureaus ( Experian, XXXX ) and they have yet to remove the inaccurate, incorrect information on my credit report. I have recently sent in more dispute letters on XX/XX/year> and they have received them but have yet to start the investigation process. There are accounts, employers, inquires and names that are being furnished on my credit report that I have already proved did not belong to me. I also have proved my information has been leaked in a recent data breach and these bureaus have still chosen against my consent and will to furnish this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFP Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX