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

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Loans provided to me by Amplify, funded on XX/XX/18 and XX/XX/18 in the amounts of {$1000.00} and {$2000.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX XXXX XXXX  is not licensed to make loans in the state of Georgia.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX, LexisNexis are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL! 

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.
Product: Checking or savings account

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent of investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit/debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing NFCU services. 

I have since filed a case against XXXX too. Although NFCU has helped recovered the sum of {$1200.00} USD, I have yet to recover the rest money. I am yet to recover my hard-earned money in the sum of {$1700.00} USD. 

A pre-arbitration procedure should be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

have had Experian credit monitoring services for more than 15 years. Begginning about XXXX of 2018 I could no longer log on to my account. Have followed all protocol on Experian site to correct problem with no success. Have called - can not get to a person - only ends in dead end. Have emailed and have written letters to their XXXX   Customer Care address. No response going back as far as XXXX of 2018 ( earliest email ) and as recent as yesterday ( last email ) and 4 letters in between. Sent another letter today with cc to CFPB - XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, XXXX and Equifax starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and Equifax never responded. 

XXXX never responded.
Product: Credit card or prepaid card

CHASE CARD OPENED IN MY NAME ... PLEAE HELP! .. IDONT HAVE DATES OR TRANSACTIONS.. I FOUND OUT WHEN I PULLED MY CREDIT REPORT ... THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get XXXX at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM XXXX. The first one is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Product: Credit card

I AM WRITING YOU THIS LETTER REGARDING THE UTILIZATION OF NAVY FEDERAL CREDIT UNION ACCOUNT # ENDING IN XXXX. 

I HAVE WRITTEN NAVY FEDERAL CREDIT UNION DIRECTLY REGARDING THE REPORT OF MY TRANSACTIONS AND EXPERIENCES REPORTING TO MY XXXX CONSUMER REPORT AND HAVE ASKED THEM TO EITHER DECREASE MY REPORTED TRANSACTIONS AND EXPERIENCES TO 5 % OR REMOVE THE ACCOUNT IN TOTAL FROM MY CONSUMER REPORT AND THEY HAVE WROTE ME BACK STATING THE REPORTED BALANCE IS ACCURATE WHEN THAT IS NOT WHAT I'M REQUESTING. NAVY FEDERAL CREDIT UNION HAS REQUESTED THAT I DISPUTE THIS DIRECTLY WITH XXXX AND CFPB RESOLVE THIS MATTER. 

XXXX AND XXXX HAS ALREADY MADE THE REQUESTED CHANGES FOLLOWING LAWS PASSED BY CONGRESS AND I AM NOW REQUESTING XXXX DO THE SAME. 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the persons ( NAVY FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ NAVY FEDERAL CREDIT UNION ] 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! 
Navy Federal Credit Union is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i )
Product: Mortgage

I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?
Product: Credit reporting or other personal consumer reports

Dear XXXX Department, I am writing to formally dispute the validity and reporting of the above-referenced account purportedly owned by XXXX XXXX XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

1. Inadequate Proof of Debt Validation : Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors are required to provide sufficient evidence that substantiates the validity of the alleged debt. In your correspondence dated XX/XX/XXXX, you referenced bill statements and terms and conditions on file as validation. However, these documents alone do not constitute adequate proof of debt ownership or the legitimacy of the debt claim. I hereby request clear and verifiable documentation, including : Proof of assignment or sale of the debt from XXXX XXXX Bank, XXXX. to XXXX XXXX XXXX ; Full payment history that demonstrates how the amount alleged became due, including any fees or interest added ; Evidence that XXXX XXXX XXXX has the legal right to collect on this account. 
2. Erroneous Credit Reporting : The credit bureaus use the " Date of First Delinquency '' to determine the timeline for derogatory reporting under FCRA 605 ( 15 U.S.C. 1681c ). You have indicated this date as XX/XX/XXXX, but no substantiating documentation has been provided. Additionally, I dispute the accuracy of how this account is reported. 
Under FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers must ensure that information reported to credit bureaus is accurate and complete. If this can not be demonstrated, I demand that you cease reporting this account and ensure its deletion from my credit reports. 
3. Allegations of Unfair Practices : In your response dated XX/XX/XXXX, you claim compliance with federal and state debt collection laws. However, the lack of meaningful investigation and resolution of my concerns raises potential violations under FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt.

Demand for Action : Given the above concerns, I respectfully request : Comprehensive validation of the alleged debt in compliance with FDCPA 809 ; Immediate investigation and correction of any inaccuracies related to credit reporting ; A cease-and-desist directive regarding further collection activities until proper validation is provided ; Written confirmation that any inaccurate information has been corrected or removed. 
Failure to provide the requested documentation or to correct any reporting errors within XXXX  days will prompt me to file further complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. 
Please respond in writing to this dispute at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

SEVERAL rounds of dispute letters have been sent to address the inaccurate information on my credit profile. Please see the attached REPORTS!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

Asked them to adhere to Fair Credit Reporting Act to verify that all information on my credit reports are reporting accurately. 

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 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 the agency can not 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 of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX  Account number XXXX XXXX XXXX. Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate and unlawful reporting of a non-existent child support account by Experian and other credit bureaus, which claims to originate from XXXX XXXXXXXX XXXX Child Support Services. The account details include a balance of {$52000.00} and a past-due amount of {$52000.00}. However, I have verified through investigation that no such account exists in the records of XXXX XXXX XXXX XXXX Services, and there is no open child support case associated with me. 

Despite multiple disputes raised with the credit bureaus, they have failed to conduct a proper investigation or provide evidence to support the accuracy of this account. Instead, they continue to report this account, causing severe damage to my creditworthiness, financial stability, and ability to provide for my children. 

Key Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a proper and reasonable investigation of disputed information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Failure of the data furnisher to provide accurate or verifiable information.

15 U.S.C. 1681c : Reporting outdated, incomplete, or unverifiable information.

Consumer Harm : The reporting of this fictitious account has caused significant harm, including denial of credit opportunities and emotional distress, while undermining my ability to provide for my family. 
Resolution Sought : I am requesting the CFPB to : Investigate the reporting practices of Experian and other credit bureaus in this matter. 
Ensure the immediate deletion of this non-existent account from all credit reports. 
Require credit bureaus to provide a full explanation of their investigation process and compliance with FCRA. 
Hold the data furnisher ( XXXX XXXX XXXX XXXX XXXX ) accountable for providing false or inaccurate information, if applicable.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly believe they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i like to get rid of hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022XXXX XXXXI XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been XXXX  days late on my payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  -Acct # XXXXXXXX XXXX XXXXAcct # XXXXXXXX XXXX XXXX-Acct # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, and XXXX XXXXAcct # XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

The credit card Company is American Express, with an address of : XXXX XXXX XXXX XXXX XXXX, Tx XXXX, and a contact phone number of : ( XXXX ) XXXX. 

This company is reporting to the credit bureaus, information of the balance used on an account. However, they're not reporting the credit limit. They are incorrectly only reporting a {$0.00} credit limit.

I called them on multiple occasions to inform them that by not reporting the {$2000.00} limit in spending that I was, and by only reporting the balanced used, is affecting the Credit Utilization Ratio, to which is an important factor within the process of determining the consumer 's credit scores.

American Express is saying that they don't report a limit because there isn't any. However that is incorrect, because when I log into my account via app and click on [ card management ] link, and stroll down to [ request pay over time limit increase ], this takes me to a page that states that my " Current Limit '' is {$2000.00}, and that my " Available Limit '' is {$1700.00} So if a current spending limit can be generated within an application, why is such a big problem to generate that same information within the reporting to the Credit Bureaus?

I do believe that this company American Express is a really great company and I've always wanted to have an American Express card, but I was always at the bottom of the totem pole of the great credit which was always required. And now that I'm finally able to get am American Express card, I'm somewhat disappointed with this bit of unfairness with their reporting system.

I've tried calling them and speaking with everyone from the representatives to their supervisors and judging from the conversations, I can tell that these great people that I spoke to, knew and understood exactly where I was coming from, however there is a programmed script, with a line that know one has that ability to cross, so I am hoping the CFPB can help to convey this message, and I pray that our current President will see and understand the needs of why we Americans need Bureaus like this.

Summary : To sum it all up ....

By American Express only reporting the amount of the balance spend on an account and not reporting the current credit limit for that same account, is affecting the Credit Utilization Ratio, that happens to be a very important factor to determining credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/XXXX and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX , XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.