23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Last week I went to review my credit report and found that DRS has a collection record on me for {$580.00}. When I called them up, I was told that I took a payday loan from their client on XX/XX/XXXX. I told them it was false because I did not make any such transaction. The email they gave is not mine and they used the address of a house I sold in XXXX. 

I have called DRS over 3 times to send me the original application and to take it off my credit report but they turned deaf ear. 

My personal record has been breached by more than 2 companies. Last year, my employer ( IRS ) notified me that someone was working with my SSN and wanted to file taxes but it was foiled as I do not have a second job.
Product: Vehicle loan or lease

We got are car repo and we pay the {$2100.00} to get are account up to date. We then are due date for XXXX payment on XX/XX/2022. We ask to move that payment to the end of the payment. They told us we need to move the due date. To the XXXX of XXXX and then they can move are payment for XXXX to the end.I was told it got denied cause no payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report showed XXXX  XXXX-XXXX  XXXX XXXX thats incorrect..
Product: Credit reporting or other personal consumer reports

Bridgecrest company only sends emails and never sends a payment coupon so I can have an account of what I am paying monthly plus XXXX XXXX and XXXX are reporting late payments 15usb1682 new law that was started after 2022 the COVID pandemic
Product: Student loan

I am a single parent. On XX/XX/XXXX, I co-signed for my daughter to obtain a signature student loan from what was then known as XXXX. It was recommended to us by the college she was attending at the time because she needed the money for the next semester tuition. I was a XXXX for the XXXX. I thought that we were obtaining a low interest loan through the college foundation. Beginning in XX/XX/XXXX, my daughter would receive bills from XXXX requesting payments on the loan. An " upaid '' fee of XXXX and an additional " past due '' fee of XXXX was added onto the total each time increasing the amount of the loan. It was my understanding that college loans were to be repaid after graduation. She could not repay the loan at that time because she was still in college. She would receive a bill showing a past-due amount. I would receive a letter showing interest and stating " this is not a bill '' with a loan repayment date of XX/XX/XXXX The principal amount on the statements sent to my daughter were increasing. In XX/XX/XXXX we received letters threatening to and then stating that we had been reported to consumer credit agencies for delinquency. The interest rate on the loan moved from 11.75 to 12.125 to 12 %. I am not sure why or when this occured. The interest rate now is 12 %. 
On XX/XX/XXXX my daughter received a letter granting her in-school deferment which she did not request. The letter that was sent with it used a loan interest of 9 %. 
On XX/XX/XXXX, I received a letter from Navient. I had never heard about this company and did not know who they were. They informed me that I had a loan that I was a co-signer on with them that was past due and that I owed them {$300.00}. I had no idea that the loan was due. When I asked them why they loan was now due, my daughter was still in college, they said that she had had enough time to graduate. I did pay the XXXX and have been paying on this loan since. 
I have tried to investigate every avenue for lowering the interest rate, consolidation, forgiveness, or anything I could do to help us with this now huge loan. It is overwhelming. I thought that we had borrowed money from a safe place for families who needed help to send their children to college. I was very wrong.
Product: Checking or savings account

Hello and thank you for taking the time to help me out, I wanted to please reach out because my checking account for my business was charged insufficient fun fees and wanted to please see if Im eligible for a courtesy waiver. This account was supposed to be closed however The Chase representatives did not give me the opportunity to do so Im not allowed for transactions to go through when they were not supposed to. I just want to bring the account current so I can close it out entirely please. And please requesting for the fees to be reversed that way I can bring the account current, thank you so much
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. 

Transworld Systems Inc : 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 : has violated my rights.

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX OF 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 XXXX XXXX
Product: Debt collection

XXXX was contacted by " XXXX XXXX '' about a debt I " owe to CitiBank from a bestbuy card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer that been through a tragic experience that has left my credit damaged and my private information is in jeopardy. My SSN is ( Private SSN ), My DOB is ( Private DOB ). I have XXXX police reports ( please see attached pdf ). XXXX about the XXXX incident ( XXXX XXXX Police Department Event # XXXX ) and XXXX report dated XX/XX/year> about the fraud ( XXXX XXXX Police Department Event # XXXX ). I have also filed an FTC report ( # XXXX ). This individual has been arrested but I am left with the damage he has done to me mental, physically, and financially. 
The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, XXXX credit reporting agency , block information that 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 consists of number accounts. This is unreal! 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  There are also numerous fraudulent inquiries. I have attached a copy of my FTC complaint and both of my police reports. Along with my dispute that I found online. The aforementioned accounts, collections, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Compliant and Battery # ( case numbers above ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries associated with these fraudulent accounts are the result of identity theft and fraud.
Product: Credit card or prepaid card

This credit card account with Curacao has been closed and charged-off since XX/XX/2016 in the amount of {$850.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Credit reporting

Under the public records sections of the consumer credit report, an item is listed without the status or resolution of that item being listed which has been resolved. The item is a state issued tax lien which has been paid in full in addition to being released.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccuracies on my credit reports from Equifax. 

Specifically, there are multiple hard inquiries listed that lack permissible purpose and an account that remains unverified despite my request for validation. 

XXXX. Upon reviewing my credit report on XX/XX/XXXX, I identified several unauthorized hard inquiries made without my consent or a permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ). These inquiries are unfairly impacting my credit score, and I have not initiated any business relationship or application with the listed companies that would justify such actions. I am formally requesting the immediate removal of these inquiries from my credit file, as they are in clear violation of FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account can not be verified as belonging to me, nor have I been provided with adequate documentation proving its validity. Under the FCRA, it is my right to demand that unverified information be removed from my credit reports. Request for ActionI kindly request the CFPBs assistance in addressing these inaccuracies and ensuring the credit bureaus fulfill their obligation to maintain accurate and fair information. 

Please keep me informed of the investigations progress and provide written confirmation once these inaccuracies have been corrected.Thank you for your time and attention to this matter. I appreciate your assistance in ensuring accountability among the credit reporting agencies. 

Sincerely, XXXX XXXX I have sent a copy of my drivers license ( front and back ) as proof of identity, along with my Social Security card to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with Experian, Transunion and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS HAVE REMOVED INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts of my credit reports. This is defamation of character ans misrepresentation of my credit worthiness. i recently applied for a loan and was denied due to inaccurate information beong reported on my credit reports. I am exercising my rights as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Report Attached. 

Listed in identity theft report is fraudulent inquiry XXXX XXXX XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.
Product: Prepaid card

I have had Two paydays posts from my employer but still haven't been able to get it on my card activate or send it
Product: Credit reporting or other personal consumer reports

So was working at work and as usual I checked my credit score to see whaty score is and I notice to add-ons to my account so I look further into it and it says something regarding to the department of education and then I looked online and it is something in regarding to a third party with two personal loans for school and it was {$2000.00} and the other ones XXXX and so I I went directly and talked to the company itself and they're like yeah it looks like you applied and I keep telling him now fraudulent and so from there me and the company can I gathering some information and two for two or three weeks I kept getting them information paperwork proof of me the signature high school diploma my home address and all that stuff just to confirm it was me but they concluded that it was at the end that it was me who applied and I don't remember applying because at this more time I did not really feeling going back to school so I kept going going and just obviously you keep asking for more information to provide and I don't have no more information and it was just getting very frustrated it's already the fifth week with this problem so that's on trying to figure this out but unfortunately I don't have any other thing besides freezing my with one of my credit bureaus which is TransUnion I froze my account so my social security number so there won't be no no more future loans and if I do decide to go different job or something like that oh I'm freeze it but till then I'm trying to sort this out and I feel like there's something off about this because this person unfortunately a different information on there besides like a different email probably my social security number was on there my phone number was not there but had two different references which I don't recall their being for that so and that's pretty much where it's at
Product: Credit card or prepaid card

I visited the XXXX store located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX on Saturday, XX/XX/XXXX. When ringing up my purchases the cashier asked if was a member of their rewards program to which I replied that I believed I was. She had me enter my telephone number. She stated I was not in their XXXX XXXX Rewards program and asked me if I would like to be. The store was closing down and re-opening under another name so I inquired if they rewards were transferable and she stated they were good for all stores under the same parent. I proceeded to enroll in the " rewards '' program and when I was finished the cashier said, " You were approved for {$800.00} '' I stated that I was not aware that I was applying for credit rather, only that I was enrolling in an awards program. I asked if I could cancel right there in the store. The cashier said I could not an provided me with a number to call. I called the number and went through an automated system which allowed me to cancel the card and stated it would be reported to the credit agencies as " Closed at customer request '' however, the the only option to receive a confirmation was via fax. As I did not have a fax number handy I opted to not have a confirmation. Wanting to be sure the account was cancelled, I called Tuesday, XX/XX/2019 at XXXX XXXX. Eastern Standard Time and went through the automated system which allowed me to cancel the account, confirmed via voice response it was cancelled and stated it would be reported a " Closed at customer request '' to the credit agencies. This time I provided a fax number and the autoted system said a confirmation would be sent within 1 hour. As of Tuesday, XX/XX/2019 at XXXX XXXX Eastern Standard no confirmation has been received. 

I believe the acquisition process was purposely misleading and that the cancellation process also uses deceptive practices to avoid cancelling the card. The card is issued by Comenity Bank.
Product: Credit reporting or other personal consumer reports

this complaint is about a dispute with Experian Credit Bureau failing to properly and thoroughly investigate a dispute made against XXXX XXXX XXXX account # XXXX we disputed this account due to inaccuracies of amounts and fraudulant activities. But all they did was go through their automated system and did not investigate properly by not requesting full disclosure of all financial documents to verify if account is accurate. Experian only took what XXXX XXXX service said. 

In accordance with Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy & consideration under 15 U.S.C. 1681 XXXX XXXX XXXX account # XXXX has violated my rights along with Experian. 
15 U.S.C. 1681 section 602A states i have right to privacy. 
15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting 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 7 years.

15 U.S.C.1681 s-2 A ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reportig agency if person knows or has reasonable cause to believe that the information is accurate. 

Fair resolution is to delete this account immediately.
Product: Money transfer, virtual currency, or money service

Western Union XXXX XXXX # XXXX This complaint is against Western Union and it's uncaring and lackadaisical Customer Service. I've been attempting a money transfer for 2 plus months at this time. I've attempted to use my bank debit card of which I use on a daily basis. It kicks my payment out and gives 2 reasons for denial. ( 1 ) couldn't verify your payment and ( 2 ) contact my bank- card must be enrolled for secure authentication. I contact my bank many times on this same issue. They contact their card provider, and the investigation says each time, that there is no reason the card should be declined -- - it's on the Western Union end. Western Union is the only one that denies my card. Western Union Customer Service is no help. Western Union advertises a great Customer Service, and this is none other than false advertising. Two plus months and still no money transfer. Hand delivery would get the money transfer to it's destination much quicker than Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2023. I submitted a letter to LexisNexis Risk Management for falsely reporting information from the Bankruptcy Court to the credit bureaus. I have informed LexisNexis to remove this inaccurate information from their database. LexisNexis has violated Congress Laws of FCRA. LexisNexis did not have a Permissible purpose nor did they have my written instruction.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction According to the letter I have received from XXXX  XXXX Bankruptcy Court , they do not furnish or report information to third parties.