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

I saw that CFPB is focusing on people with medical credit cards being taken advantage of. I feel I am one of these people. I have never been late nor am I having any trouble making my payments. One reason I feel Syncb/Care Credit is the worse. I have been paying this payment on time every month yet they are reporting on my XXXX credit file as being 110 % usage. Which is damaging my credit score. I have attached part of my credit report so it is evident I am upholding my part yet they hit me with such an interest rate it took me over the limit after the grace period. I feel like this is a sneaky business practice and you would need to pay off this loan before the end of the grace period, which they do not explain or address. I even paid a lump to get under the limit but the interest is so high it didn't move the needle hardly at all. At the very least medical credit cards should not have a usage. My procedure was semi voluntary, however ; many people use medical cards and loans for procedures they must have.
Product: Money transfer, virtual currency, or money service

I used the following site, Wise, to transfer money to a person in exchange for goods only for them to scam me. I have tried contacting the company to help me fix this issue and they did not want to interfere or offer to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. 


I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Student loan

I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. Upon waiting for assistance to finding a job, I was advised the school was being shutdown because of fraudulent accreditation. As of such, when the loan was supposedly cancelled and was removed from my credit report in XXXX XXXX. I was advised that the Department of Education quickly sold my debt to Nelnet by XX/XX/XXXX, in which they reopened the debt even with the cancellations in place. And the debt reappeared on my credit report.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX I received a message from a man telling me that he was coming to my place of work the following day to serve me with court documents relating to an arrest and I would need to sign them, as well as my HR rep or manager. He never came. Today I got a call ( XX/XX/XXXX at approximately XXXX ) stating the same thing and they provided a number to call along with a case ID. A friend of mine called, stating she was not me but was calling about information on a case. They proceeded to tell her ALL of my personal information, name, address, email address, social security number, date of birth, etc. They told her all the details about the apparent open case. This is a HUGE invasion of privacy, not once did she verify any information, she even stated she was not me. Once the debt collector realized it was not me, she stated " Oh you confirmed your name, address and social '' The friend said, no I never did, I do n't even know who XXXX is. At that point the collector abruptly hung up on her. Attempts to call back were unanswered. My personal, private information is being given out by the company and they are threatening me on a daily basis. 
Caller name : XXXX XXXX-impersonating XXXX County state employee XXXX said it was from Regional Processing LLC regarding breach of contract
Product: Checking or savings account

I contacted CK customer support via chat/email on XX/XX/XXXX regarding the need to close my CK savings account. I received a confirmation email stating I would receive a check by mail for the remaining balance ( {$1700.00} ) in up to 15-20 business days accounting for possible COVID-19 delays with the USPS. I tried to contact them again today ( XX/XX/XXXX ) and the support chat told me it would move the conversation to email. Which never happened. I'm filing a CFPB complaint as of now since it's ridiculous you can't speak with a human being if issues arise. CK should not have been allowed to provide these financial services.
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 under 15 U.S.C 1681. 

XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All collection accounts listed above should be deleted immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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: Debt collection

Jefferson capital syst account XXXX on XX/XX/2020 said that i bought an XXXX XXXX 
ive never had an XXXX XXXX 
the number was out of state the address was out of state they say i have to pay {$960.00} someone stole my information!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting.

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more.

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Unauthorized transactions were placed on my chimeaccounts right now XXXX all transactions are inconistant dates and timesthe transactions were made I was left by a XXXX  driver and had to call another XXXX XXXX there in two minutes at XXXX XXXX pawn shop picking up my computer I had to chat with XXXX  to complainonce XXXX was contacted the transaction history with chime I took a screenshot ofwas changed I received phone caLLS FROM TAXPAYER ADVOCATE person named XXXX and XXXX bank client advocate all through complaints with the cfpb named XXXX there storyline behind how chime came about was a student pell was taken through fees at a traditional bank the name chime was a worker at XXXX XXXX who house porch was filled with chimes and linked to student aid fraud. There was a XXXX XXXX  XXXX XXXX who was sjhown and asked and given my student loan information ( nondischargeable ) which are FERPA violations because I did not consent to anyone having my student aid information other than the college I attended.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit card or prepaid card

I have a Chase XXXX XXXX Card which is advertised as a travel card. I have had this card for ~4 years now and have extensively used the card. I continue to be in good standing with the card, paying the dues on time. On XX/XX/XXXX, I tried making a reservation for a flight in XXXX for {$210.00} but Chase rejected this transaction. At this time, I have over {$15000.00} in available credit limit. I called Chase and they stated that they have locked my account, however they refused to explain why the account was locked and asked me to call another day. They also sent me a text message requesting me to confirm that the transaction was indeed mine. I immediately responded confirming that the transaction was indeed mine. The transaction however continued to be rejected. I am an avid traveler and an XXXX, this behavior is clearly xenophobic targeting transactions in a particular region and not aligned with the expectations of an travel card.
Product: Credit reporting or other personal consumer reports

I closed my credit builder account with chime and they reported to the credit bureau that I still have the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a copy of my credit report I found accounts that are reported incorrectly and inaccurately.
Product: Debt collection

XXXX I started with XXXX XXXX XXXX ( XXXX ) to help with credit card debt. One of the requirements was that I had to go past due on my credit card debt. Which I did, but didn't feel comfortable with. Discover tried to sue me then, but it was not completed because I had legal counsel through XXXX. 

On XXXX I retired and my income was substantially reduced and I couldn't afford my payments to XXXX so I dropped out of the program. 

Then on XX/XX/XXXX out if the blue I received a packet from XXXX XXXX XXXX with judgement papers. I have no recall of receiving any prior communication from them. This debt is old and I should not be sued
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

( 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 I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. 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 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 resonable cause to believe the information is inaccurate.
Product: Credit card or prepaid card

In XX/XX/2019, I made 4 payments via my XXXX XXXX  bill paying service. 2 payments were credited to my Barclay XXXX XXXX MC account and 2 payments ( XX/XX/XXXX {$100.00} and XX/XX/XXXX {$200.00} ) were not. They all came from the same source. I contacted Barclay and faxed the images both front and back of the checks from the two payments in question. After several calls and message exchanges, I have yet to have an answer. In the last conversation, the representative stated that my case had been " escalated '' but there has been no contact at all ever since. I refaxed all the information including redacted XXXX XXXX Statements showing the money leaving my account. The cashed checks went to a XXXX XXXX account with as Barclay 's stamp.
Product: Student loan

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is NAVIENT balance {$2700.00} account # XXXX 90 days late on XXXX XXXX, 120 days on XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 90 days in XXXX XXXX, 120 days on XX/XX/XXXX, XXXX XXXX 150 days on XXXX XXXX 120 days on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  180 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/2024, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, and XXXX XXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust. 

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of XXXX  and bias discrimination. My XXXX XXXX  and minority status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, XXXX XXXX XXXX, as well as inquiries by the latter and XXXX  XXXX. 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the following date : XX/XX/2016 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was dismayed to discover unauthorized inquiries on my credit report this morning, which came as a complete surprise. Despite routinely checking my credit report, this time I found unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. Given this issue, I request a thorough review of the documents I've sent so I can finally have peace of mind.