23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX IS CHARGING FOR UNAUTHORIZED SERVICES. 

They agree, but it can not be resolved unless the Resolution Department deals with it but when you call to get resolution, there are XXXX people in the queue. 

XXXX XXXX is putting me in collection even though I have contacted them at least 5 times since XX/XX/XXXX. The collection agency can not fix this. I contacted them but they say only the XXXX XXXX XXXX Department on can adjust it and there are XXXX people in front of me every time I call.
Product: Payday loan, title loan, or personal loan

Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. I believe these lenders should be prohibited from lending in all states including NJ. They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
Product: Debt collection

I have previously filed a complaint with this organization for this exact matter, which was previously unresolved, due to lack of evidence, but wherein CFPB has decided to the contrary, implying I did, in fact, open such an account and owe the said " debt ''. 

I have an affidavit making it clear do not, have not, and never will apply for any line of credit, loan, or anything in the financial realm, online or electronically. I will not agree to such a contract unless it is in on paper, in writing, and my wet-ink signature is placed on it in agreement. 

I have been injured by this derogatory remark on my credit. I am now demanding it be removed immediately. 

I will ask again in this complaint, show me proof I have opened the said account, so that I can inspect the document, contract details, and my signature thereon, or there is no proof and thus no " debt '' owed by XXXX XXXX to the organization this complaint is made.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/year>, a mortgage broker from Mr. Mortgage named XXXX XXXX pulled my credit report without my knowledge or permission. I immediately contacted him and he agreed it was a misunderstanding and he agreed that I did not give him any permission to do so. 
On XX/XX/year> my husband and myself had applied for a mortgage with XXXX XXXX XXXX  and it was decided that we didn't need my income for the loan. Somehow XXXX XXXX and our broker from XXXX XXXX wanted to shop the mortgage for a better rate and intern in error he pulled my credit report without my knowledge or consent. He had assured me he would contact your company and have it corrected so that it would be removed from my credit report with all XXXX credit bureaus. It is now XX/XX/year> and this inquiry is still on my credit report. 

I have attached email correspondence. 
XXXX XXXX XXXX email is XXXX and his phone number is XXXX. 

Sincerely, XXXX XXXX email : XXXX phone XXXX
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX XXXX XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Product: Credit reporting, credit repair services, 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 und

er 15 USC 1681. The letters are stated with items and issues. 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 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.
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 or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as Trafficking in Persons ( TIP ), involving the unlawful trade of human beings against their will for commercial XXXX exploitation or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit card

I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Medical Debt from Credit Report XXXX XXXX XXXX ( {$2300.00} ) original creditor ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$1900.00} ) original creditor ( XXXX XXXX XXXX  ) - NATIONAL RECOVERY AGENCY ACCOUNT ( XXXX ) FOR - {$1000.00} ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to bring your attention to the recent change in federal regulations regarding medical debt reporting. As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has implemented new guidelines which mandate the removal of all medical debt from consumer credit reports. 
According to these new regulations, any medical debt that has been reported on my credit report should now be removed as it no longer meets the criteria for inclusion under the revised CFPB guidelines. 
I respectfully request that you review my credit report and ensure the removal of any medical debt as required by this new policy. Please confirm in writing once these changes have been made. 
Thank you for your prompt attention to this matter. Should you need any additional documentation or information to facilitate this process, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX of XXXX : XXXX
Product: Debt collection

AMERASSIST AR SOLUTIONS has a derogatory collections Reported on my Credit Report which show to all three major bureau. This account is in collections for {$1500.00} and is heavily impacting my credit score. I know nothing about this account and would like this removed immediately. 
This bogus account was reported by AMERASSIST AR SOLUTIONS. This was last reported on XX/XX/XXXX This complaint indicates that the account was opened on XX/XX/XXXX o The Company in which the complaint originated is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed on my Certegy Consumer File Disclosure Report Tracking Number : XXXX is fraudulent and unauthorized inquiries : XX/XX/2020, {$130.00}, Check Number : XXXX, XXXX XXXX  XXXX, XX/XX/2020, {$130.00}, XXXX XXXX  XXXX, the inquiries, check number and checking account is fraudulent and not mine.
Product: Debt collection

I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Debt collection

On XX/XX/XXXX I received a threatening letter in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I have a charge on my credit card for {$470.00} for XXXX XXXX. When I saw the charge, I immediately reported is as fraud. The credit card company removed the charge form my account. In addition, when I called to report the fraud, the credit card company told me that someone tried to access my account from a different phone number. The credit card company only notified me of this when I called to report the charge as fraud. 

A few weeks later, the credit card company recharged my account for the fraudulent transaction. I spoke with someone in their fraud department and I was told that there was an investigation done, but that the details of such investigation were not clear and the credit card company would have to look in to the matter again.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Original Creditor : XXXX  XXXX XXXX Balance Owed : {$110.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$99.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). I have already reported this to the 3 credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX Acc # XXXX XXXX Late Payments : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.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 person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report is reporting negative and missed payments on my credit report. I filed for Bankruptcy Chapter XXXX. It was discharged XX/XX/2020. XXXX  and XXXX  are reporting my credit report correctly. There is a XXXX point difference in my credit score. When I tried to dispute the inaccuracies in their dispute center it said it could not not be removed because of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered credit item XXXX XXXX account number XXXX had been re-inserted into my credit file. I disputed the tradeline with TransUnion and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report dated XX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX. As evidenced by my report dated XX/XX/XXXX, the XXXX XXXX tradeline is no longer listed. Now according to my report dated XX/XX/XXXX, the tradeline is listed with a Date Closed of XX/XX/XXXX and estimated removal date of XX/XX/XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
Product: Mortgage

i rec 'd a letter dated XX/XX/XXXX you state you finally canceled excessive lender placed insurance effective XX/XX/XXXX and you sent a refund to my account. 
1. you fail to identify the date the insurance was placed 2. you fail to identify the amount you charged for insurance 3 you fail to identify the reason you canceled the lender placed insurance 4 you fail to identify the date and the amount you credited to the account 5 you failed to supply copies of the insurance policy
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/03 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided | demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

They are reporting themselves as the original debtor. No clue who they are. Numerous times I have disputed this debt. I just applied for a loan and was denied because of this. I intend to sue for if this is not removed at once
Product: Credit reporting or other personal consumer reports

I am sending this to ensure continued investigation into the fraudulent inquiries on my credit reports. I urge the three Credit Bureaus to conduct a thorough investigation into these matters as stipulated by law. Below is a list of the fraudulent inquiries that require detailed examination : 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

The XXXX XXXX XXXX XXXX accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and l 've noticed this problem on my credit report in XX/XX/2024. XXXX am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account type : Collection, Account name : XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Account name : XXXX XXXX  Account number : 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 an account without my written instructions.