23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, and EXXXX dropped my credit score by approximately 70 points in one week after what they say was a creditor re-reporting negative info on an old debt on my report on XX/XX/2019. I called to find out how is it determined how may points are deleted and is it the same for all people. No one knew the answer. They said a computer determines the number of points. I also asked if the negative info was revesed would the same number of points deleted be restored. No one knew the answer. This is unacceptable and unfair to people of color. I suspect that the calculations for credit score decreases are not equal amongst black and white people. In my case, I want my approximate 70 points restored at the moment the credit buresus receive the reversal of the negative info that was reported to cause a sevete reduction in my score. I also want to know how the number of points are determined to be added or deleted based on the info reported. This info should not be a secret. This entire process should be fair and equitable. I highly suspect it is not.
Product: Debt collection

This company continues to viciously attack me with no proof of any debt that supposedly stem back from XXXX almost 7 years now. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. 

I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! 

All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! 

I need this resolved immediately!
Product: Vehicle loan or lease

On XX/XX/XXXX, Navy Federal increased my interest rate from 5.49 % to 15.35 % on my used auto loan. The reason for the increase was they never received a title with Navy Federal as a lien holder. I opened this loan in XX/XX/XXXX and never received any written correspondence from Navy Federal about this matter. Navy Federal could not provide any proof they sent any correspondence giving me notice that they did not have a title in hand. I discovered this matter when I noticed the interest rate increased. After I provided the title with Navy Federal as the lien holder, on XX/XX/XXXX, Navy Federal converted my interest rate back to 5.49 %, effective XX/XX/XXXX and not XX/XX/XXXX. I have requested for Navy Federal to backdate the change to XX/XX/XXXX but they have refused, stating that they did not receive the title until after their 90 day grace period. This is incredibly unfair because I was under the impression that the dealer I purchased the vehicle from submitted the title to Navy Federal. After researching this matter with the DMV, it turns out that the dealer also did not submit the title to the DMV.
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 USC 1681. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 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

Without my knowledge, XXXX XXXX created an entry that was sent to the CLUE ( Comprehensive Loss Underwriting Exchange ) operated by Lexus Nexus. The entry is dated XX/XX/XXXX. We did not know of the existence of this entry until XX/XX/XXXX. XXXX XXXX has raised our insurance premium for renewal by 108.4 %. By creating this entry that appears as a claim that paid out {$0.00}, the result is that competitive insurance carriers will not quote us for a new property insurance policy or want to place a surcharge on the premium they quote. We can not shop for competitive rates. 

My contact with XXXXexus Nexus by phone ( a recorded conversation that I asked to be preserved ) on XX/XX/XXXX resulted in a conversation in which I requested that this entry is disputed and should be removed. They replied that they will look into this and respond within 30 days, making my ability to shop for insurance highly limited. 

Since I was never notified of this adverse entry in the Lexus Nexus database by XXXX XXXX, which is equivalent to a negative credit report, I feel both companies should be financially punished by the Federal Government or whoever regulates their behavior regarding consumers since I had no opportunity to dispute the entry until present time. 

XXXX created a reference number for the disputed entry of : XXXX
Product: Credit reporting or other personal consumer reports

Ive sent in multiple disputes regarding inaccuracy on my report. Its been past 30 days & transunion keeps ignoring my dispute & failed to investigate this manner. I keep getting this response below. TransUnion is violating my rights according to 15 USC code 1681. Im tired of playing games with this company & I need my accounts removed immediately. Its affecting me from buying a mortgage. 

We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent al address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I financed furniture through Synchrony bank ( bank chosen by furniture store ) with a 0 % interest loan expiring in XX/XX/XXXX. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in XX/XX/XXXX, I kept on getting monthly statements, which I finally opened in XXXX. This showed {$300.00} in late fees and {$1100.00} in back interest to day 1 in XXXX. 

I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was {$0.00} by the time the promotion expired. Now I owe {$1400.00} from an original {$2900.00} purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat.
Product: Mortgage

We had a mortgage through Nation Star, last XX/XX/2016 we sold the double wide & XXXX acres.. to date I still have NOT received title to double wide. I now have spent hours calling them .... to avail .... I was told my issue has been accelerated.. but that was a month ago ... .. STILL no word or title ... this is 10 months now ... .I need help please ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper XXXX Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect XXXX  record on my credit report three times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XXXX XXXX I submitted my initial dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
XXXX XXXX XXXX I disputed the same item again. On XXXX I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than XXXX hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
XXXX XXXX  : I filed a third dispute. By XX/XX/scrub>XXXX  I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). XXXX practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, XXXX XXXX
Product: Prepaid card

In XX/XX/XXXX, I recieved a {$50.00} American Express e-gift card by email. There's no physical card, making it difficult to use in store. Their instructions say to setup XXXX XXXX or similar to use in store, but I was not able set it up following their instructions. I was unable to reach a person or get help from the customer support phone number they provide ( XXXX ) in ~XXXX, XXXX and XXXX. 

In XX/XX/XXXX, I attempted to use it to make several online purchases, including from XXXX, all of which declined it. I contacted a customer support number for " questions about purchasing your Gift Cards online '' ( XXXX ) and got an immediate answer, but was was placed on hold for XXXX hours total and transferred to a couple different people, the last of whom hung up on me, after trying to get help to use my existing card online. I was told : a ) XXXX, XXXX, XXXX, XXXX and XXXX all do not accept it b ) They don't know of a single online company that accepts it. 
c ) Because it's an anonymous card and there's no zip code or other info, any website ( all that I'm aware of ) that require verification info such as a zip code, name or address will be unable to verify it and decline it. 
d ) Despite not being aware of a single company that accepts it, they still claim that it can be used online and that I should keep trying other places. 

The instructions provided with the gift card say, to XXXX XXXX, " In the Billing Address section, please fill in your name and address '' suggesting that the shop would be able to verify it, directly contradicting what the customer support representative said. 

The e-gift card seems like a scam to keep other people 's gifts for themselves. American Express keeps the balance and interest on the cards by making sure they aren't used.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my numerous submissions equifax consistently responds in 24hrs stating the account is accurate without providing any evidence that the account is accurate.without providing a thorough investigation. This violates the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore eqifax may also contravene the consumer financial protection act ( CFPA ), 12, U.S.C. 5536 ( a ), ( 1 ), ( A ) - ( B ), as highlighted in the ( CFPBs ) recent administrative proceedings ( file number XXXX ) against them for similar violations. I request that the ( CFPB ) take action to ensure equifax complies with the federal laws and provide consumers with the necessary proof of investigation. 
I request the following the following reported accounts removed : XX/XX/XXXX XXXX XXXX {$560.00} disputed XX/XX/XXXX XXXX XXXX  {$450.00} disputed XX/XX/XXXX XXXX XXXX  XXXX {$160.00} disputed
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft that was caused by the Equifax data breach. It has gone on to this day. If you check my information against the list of people effected they admit my information was compromised. However, I have had to chase them down to get any information and they are playing games with me. I applied for this settlement almost years ago and supplied them all of the proof of my damages. They never said peep to me until I reached out to them and they gave me XXXX different case/claim numbers. XXXX they claimed they sent me a check already, and they HAVE NOT. The other XXXX they are saying that there are documents missing or incomplete and they do not specify what is missing or incomplete. It is BLATANTLY obvious to me that they don't intend on paying anyone from the settlement money and want to keep it all for themselves or their lawyers. Why would they not notify me that information was missing? Because they planned on saying that I didn't comply so they would not have to pay me. This is getting RIDICULOUS. I need to be compensated for the weeks of my life I have spent doing this, as well as the harm that I have been caused when there is fraudulent accounts on m y credit and I can not use my own XXXX XXXX credit or have to pay stupid interest rates. I literally XXXX XXXX and they should be shut down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Cash Net USA claims they made a loan to me and deposited to my XXXX XXXX. I never got the money on my bank which is XXXX  XXXX XXXX. Any way they have been trying to withdraw the money last week every single day and for the reason XXXX  XXXX XXXX cancel my card. I told this people to send me proof of debt verification but they haven provided and they been calling me like 3 times a day to my cellphone and including my employer number. They haven provided proof of debt verification where they have 30 days to do so because I told them I am disputing such debt. I never got such money on my XXXX XXXX bank. They have fail. I told them via text message and phone to Stop all communications and to communicate to via email to the address they have on file. They have fail. So I want you to contact them and tell to stop and XXXX   balance otherwise you may impose a fine for violating consumer laws which as debt protection laws and other regulations enforced by the Federal Government. Thank You. XXXX XXXX.