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

IN XX/XX/XXXX I bought an ATV, was offered Zero % Interest due to my nearly perfect Credit Score. I accepted that offer from XXXX XXXX XXXX, and the payments were billed by an internet service, XXXX, directly to my XXXX XXXX, which is paid in full every month thru direct debit to my checking account. Never an issue. In XX/XX/XXXX I received a collection call on a Saturday from XXXX asking when I intended to make the past due payments on my account? I was floored, because I had never made a payment, they were drafted automatically monthly ... at least from XX/XX/XXXX to XX/XX/XXXX. I questioned the caller quite a bit, as I was completely unaware of the past due status ... after some time the Customer Service Specialist II, said " You know I remember something like this with another caller a few months ago, can you please hold '' She returned with the name XXXX, the internet service that was actually taking my payment and processing it to XXXX. 

I searched my email for anything from XXXX to find contact information, and I did find an email dated XXXX thanking me for the payment..nothing further ... .after I inquired why they stopped making the payments I was informed of a huge data breech they experienced and that they had suspended all operations. That an email was sent to all users in XX/XX/XXXX notifying users that the service was terminating..well that's great if you get the email ... after several back and forth conversations, sending all the documents I was able to gather, hoping BBT ( XXXX ) would retract the past due report to Credit Bureaus, due the obvious and previous experienced issue with XXXX ... XXXX staed that they offer no 'Good Will '' Adjustments to items reported to the 3 major Credit Bureaus ... .This couldn't be clearer, it was NOT my mistake, yet my credit report has taken a significant hit because of the 60 days past due report. 

XXXX has offered via email to join in a call with XXXX to help support my request for a retraction, admitting that the email they " Sent '' to me was NEVER OPENED, no record that it was ever delivered ... ..spam filter, whatever ... ..and that they were sorry for the problems this has caused. 

This was a failure of the XXXX system, and for the error to cause negative rating to my credit, again nearly perfect for 25 years..is very disturbing ... and doesn't in any way reflect my personal credit responsibility and awareness. Only when I saw the FICO score drop in a monthly statement, did I become alarmed ... ..now 2 weeks into this I'm no better off than when I started this dispute. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Transunion has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate and correct disputed information within XXXX  days. It has now been over XXXX  days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I writing you regarding Transunion Credit I filed Chapter XXXX on XX/XX/16 ... They are showing another Chapter XXXX on my credit file in which isnt mine ... I have sent numerous letters and disputed the information no avail ... .I 'm writing you due to the Fair Credit Reporting all information must be correct and accurate information.
Product: Credit card or prepaid card

I signed up for credit protection, a agent told me I can either fill out the forms mailed to me or email documentation I'm off work. So I emailed documentation stating I'm on XXXX, yesterday the agent said the email was not recieved. I emailed the documentation 5x again yesterday and again today. I took a screen show of the successful email Sent today for my claims foXXXX XXXX XXXX XXXX. I'm also attaching the doctor 's note... I. asking the company to rwapond directly to this complaint
Product: Debt collection

Charge-offs are illegal to be reported as debt : Charge-offs, as reflected in my credit report, represent income for the debtor, not debt. As such, it is illegal for consumer reporting agencies or credit reporting agencies to report charge-offs as debt or negative entries under Title 15 U.S. Code 1681ad ), which defines " consumer report '' and excludes income information from the scope of what can be reported. 
All three of these have been Charged off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion will not delete this off my Reports and I believe they have been furnishing my account and selling my information.
Product: Debt collection

XXXX XXXX has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " Citizens Bank ''. I have never held any account with Citizens Bank NA. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies XXXX, experian and XXXX  are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Product: Student loan

I am writing because I have been paying Navient since 2007. I noticed about six months ago that my bill is not going down. I am now having issues with paying my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion advertises that they charge {$1.00} for a credit report and there is a large receipt that they provide boldly stating {$1.00}. In small print below which is difficult to see, they state that they will also now start charging $ XXXX/month for credit monitoring. They are engaging in underhanded behavior here and taking advantage of consumers. When I called Transunion to cancel during normal business hours, they put me on hold and then hung up on me. I had to cancel the unwanted recurring fee through my credit card company. Thank you for addressing this issue.
Product: Consumer Loan

I contacted United Cash Loans by telephone to a XXXX XXXX @ XXXX XXXX XXXX to obtain an installment loan for {$5000.00}. 
In order to obtain this loan I was instructed to purchase XXXX XXXX red label forms and telephone the numbers to XXXX XXXX. I purchased {$950.00} of these XXXX Transfer tickets which cost me {$1000.00} and gave the numbers over the telephone to XXXX XXXX. ( these numbers are available from me upon request ). Then XXXX XXXX requested more money claiming that I must pay income tax on this loan. 
As this did not sound legitimate to me, I contacted the XXXX XXXX XXXX to file a complaint. The XXXX contacted this loan company twice with no response from the loan company. Names and file numbers for this complaint are available upon request.
Product: Vehicle loan or lease

I am writing to request that Regional Acceptance provide me with the separate Truth in Lending Disclosure document mentioned in the refinancing agreement with XXXX XXXX XXXX. 

Under federal truth in lending laws, specifically Regulation Z, lenders are required to provide these detailed disclosures, including the Annual Percentage Rate ( APR ), finance charge, amount financed, and total of payments, before the consumer becomes obligated on the loan. 

I have received two documents from you regarding this auto loan, but both of them state final agreement, that they are just estimates, and that a separate Truth in Lending Disclosure will be provided. All of these statements are contradicting. I never received this separate Full disclosure document as required by law that is mentioned. Without these disclosures, I am unable to fully understand the terms associated with this auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
Product: Credit reporting, credit repair services, or other personal consumer reports

This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and SYNCB/Care Credit ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Money transfer, virtual currency, or money service

XXXX JPMCB XXXX XXXX XXXX XXXX $ XXXX original debt I contacted the credit card company to try and settle the debt. I asked for a pay for deletion settlement agreement and was told that it was against the law for them to do that. 
First, reporting to credit bureaus is voluntary. Nobody is legally obligated to report your debt to credit bureaus. Second, the Fair Credit Reporting Act ( FCRA ) only requires that if a creditor decides to report information about you to credit bureaus, it must report accurate and complete information. I am not asking the creditor to report to the credit bureaus that I paid as agreed '', However, the creditor can make a pay for deletion deal which calls for it to report nothing about my account to credit bureaus. 
I was told that they didn't know about the pay for deletion, they would have to check with some one higher up. told me how much i could pay today to settle it and the amount. I began to explain my situation and told them i just want to pay it in full and be done with the account. I was given a past due amount to pay. A application for hard ship was even started at one point. was told i would have to sign a settlement agreement and have a XXXX sent to me. i asked to be transferred or got transferred because we couldn't figure out that i just wanted to settle the debt, and have changes reflect to the credit report agency. i was transferred 8 times and the last representative stated that pay for deletion is illegal and it would be lying. he also stated that i needed to pay the full amount. I asked about the hardship application and he stated that i would have to pay the full amount. I asked to speak to some one else and i was told over and over that there was no one else and i could opt for a call back in 72 hrs. I stated that he needed to put it in writing that my application for hardship was denied, the total amount i needed to pay to settle the debt and that this was his decision and there was no one above him. He was the top. i asked a couple more times and he refused to put anything in writing or transfer me, He stated there was nobody to transfer me to. He was laughing at me because i am extremely stressed out, embraced that I'm even in this situation, and in good faith called and tried to settle it for the full amount ....
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, Equifax, and XXXX on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, Equifax, and XXXX. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, Equifax, and XXXX have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights.

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, Equifax, and XXXX accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, Equifax, and XXXX for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXX XXXX XXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately XXXX XXXX XXXX {$200.00} Reporting inaccurately
Product: Debt collection

Navient robocalls 5 times a day both my home phone and my cell phone. It is my son 's student loan. I did NOT co-sign his loan and have told them in writing to stop calling my cell phone. I wrote to them and faxed the information to have them stop calling me. My son does not live with me. Yet, they continue to robocall XXXX phones.
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. 

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

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

15 U.S.C. 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items on information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 reporting or other personal consumer reports

XXXX XXXX Equifax Please remove the fraud alert from my credit reports thank you
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.