23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX XXXX, I received a letter from NFCU stating my credit card interest rate was being changed from 6 % to 17.99 %.. I contacted NCFU to try and work something out to lower the rate. They referred me to personal finance management. asked me for all of my financial information. While working with the finance mgmt., I received numerous calls every day. XXXX to my cell phone and XXXX to my home phone. THey declined to do anything about the interest rate. THey told me have my daughter quit he guitar lessons, sell my car, get a second job and put my kids to work. They then called me and said I was approved for a lower rate program if we scheduled a one time payment of {$230.00} and thereafter XXXX per month for 5 years to get the card paid off. We scheduled this payment for XXXX/XXXX/XXXX. I then received a call on XX/XX/XXXX that I was not in the program there is nothing they can do " and that I have plenty of money ''. They calculated our finances and we came out negative {$130.00} every month - to then say " You have plenty of money '' is not right and I am upset. I requested to speak with a manager and have not received a return call. I left a voicemail and e-mail. I have been harassed over this card, while trying to work something out to get it paid.off. I am frustrated. Please help.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXXXXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

XXXX Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? Yes or No XXXX  did hot have a loan forgiveness program from XX/XX/XXXX to XX/XX/XXXX and I was never billed. ( See attachment. ) I was placed in deferment until the program could accept payments. 

Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? 

Thank you for your time and cooperation. 

Truly, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Pay off amount is higher than the actual balance. I have been paying for 1 year or so the amount on the account and everything I pay is applying directly to interest {$160.00} every time to interest and only {$2.00} towards principal. I also was charged XXXX without my authorization and I had already paid XXXX to this lender, they withdrew money from my bank without my consent and I am already overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card

This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an item on my credit report with Experian, as the information appeared to be inaccurate. I was notified that the item was verified, but when I requested the Method of Verification ( MOV ), I was informed that Experian was unable to provide this information. 

I requested the MOV under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide details of how they verified disputed information. I asked for the name of the entity that verified the information, the method used to verify it, and any documents or communications that were used. 

However, Experian directed me to the debt collector for this information, which does not fulfill their obligation under the FCRA. As a result, Experian has failed to comply with the legal requirements, and I am seeking that the disputed item be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balances on all credit card balances are wrong. Loan amount is wrong. Though mtg holder lender supplied letter ( documentation ) account was closed. Online disputes were ignored and weren't adjusted though docs supplied. after waiting over 1hr transferred to XXXX waited over 1/2 hr transferred back US and disconnected. Old address ( 1 ) is listed as current and current ( 2 ) as old.

Retaliation for taking them to court and forcing them to settle?

files upload. all balances are PRIOR to CB update and NOT SHOWN CORRECTLY
Product: Debt collection

Portfolio Recovery keeps calling my Number! Ive asked them in the past and recently, repeatedly to stop calling and they will not respect it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX  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 HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXX XXXX  ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A 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

IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name.. XXXX XXXX XXXX Account # XXXX Account Name..XXXX XXXX XXXX. Account # XXXX 
Account Name.. XXXX XXXX XXXX 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no idea. I just do not have any business with these people. This debt collection just appeared on my credit report a few days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue numerous of times with XXXX and Equifax only to be told that they verified the information by computer with the creditor. XXXX stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both Equifax and XXXX. This account was previously blocked for identity theft but was placed back on my credit report by Equifax and XXXX without notifying me in writing that it had done so or as to why. XXXX and Equifax have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into Equifax to check dispute information. XXXX website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 103 Inquiries fromXX/XX/XXXXto XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally address 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 institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers 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 customers safety.
Product: Consumer Loan

PNC is reporting an account on my credit report that is past the statute of limitations and should be deleted from my credit report ASAP.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with CapitalOne on XX/XX/2020. 

CapitalOne did not disclose to me on the statement received of debt and a statement that unless I, the consumer, within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid Pursuant to 15 USC 1692g ( a ) which is in fact a violation of 15 USC 1692g under the Fair Debt Collection Practices Act. This is proved in the attached exhibit ( s ) attached. 

I sent a letter to CapitalOne demanding validation of debt, requesting the name and address of the original creditor pursuant to 15 USC 1692g ( b ) on XX/XX/2020 but CapitalOne failed to furnish the requested information. CapitalOne replied to my CFPB complain instead with verification of information that I used to open the account. I have proof in the attached USPS return receipt that CapitalOne received my letter and disregarded my request. This is in fact a violation of 15 USC 1692g ( b ). 

The transaction in question is a consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1602. The attached exhibit ( s ) proves CapitalOne misrepresented the character and amount of debt which is a violation of 15 USC 1692e ( 2 ) ( A ) The attached exhibit ( s ) proves that CapitalOne used obscene and profane language in their attempt to collect a debt which is a violation of my consumer right pursuant to 15 USC 1692 ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general XXXX person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX   monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly
Product: Credit card or prepaid card

On XX/XX/XXXX, I was unable to transfer American express membership rewards to an authorized user. A customer representative told me that it was because my account has been under review. She also added that the review could take 6-8 weeks. I am really frustrated by this response. Hope that the accompany will resolve this problem as soon as possible.
Product: Credit card or prepaid card

I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 

2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. 

This needs to be off my credit and I already paid off that credit card.
Product: Debt collection

The company stated once they got payment they would remove completely from credit report and still there was a bogus debt anyway but has since been discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 06 Reported :XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos )  Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two hard inquiries on my experian report that I did not make XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I contacted them and they told me that the loan request was declined. The second was US SM BUS Admin ODA XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX They indicated this application was also declined