23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # 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 a account without my written instructions.
Product: Checking or savings account

Truist Bank closed without my consent XXXX accounts opened claiming fraudulent activity. Bank has no basis to close accounts for fraud. Bank opened XXXX XXXX XXXX in State of Wyoming which I later learned they are not Incorporated to do business and later changed address to unknown address in the State of Kentucky. Branch Manager changed the address on XX/XX/2023, then communicated accounts were flagged for fraud. Branch manager informed me they received communications from XXXX and made determination of information provided which was inaccurate. On XXXX XXXXXXXX XXXX XXXXXXXX accounts were closed without any specific details of the fraud activity. A letter dated XXXX XXXX was received on XXXX XXXX by Truist Bank XXXX the accounts were being closed and they received information from a XXXX party consumer reporting agency that possible lead them to closing the accounts. At any time have I provided XXXX XXXX XXXX XXXX XXXX consent to share my personal information. I contacted XXXX XXXX Services on XXXX to request a copy of my consumer report.
Product: Money transfer, virtual currency, or money service

Dear XXXX, XXXX XX/XX/XXXX I made a Western Union XXXX for the amount of USD XXXX in error. I realized it right away and called WU Customer Service couple minutes after. The WU representative advised me to cancel the transfer from my WU application in the XXXX as she saw in the system that my debit card was not charged. So, I followed her advice and canceled the transfer from my WU application. Only on XX/XX/XXXX I received the receipt from WU showing that my debit card was charged and that I should call WU Customer Service within 180 days from the date when this transfer was available to the receiver to dispute this error. I did it on the same day on XX/XX/XXXX, and WU Customer service started an investigation and asked me to send them the bank statement as a proof, which I did on XX/XX/XXXX. After that there was back and forth with them, they escalated the case to the managerial level and after that I havent heard from them for some time, so I contacted them by phone again on XX/XX/XXXX and WU XXXX told me that it is my bank holding the money not WU, so I called the bank and the bank folks said that they there is the charge on my bank statement but they can not resolve it, it should be resolved by the merchant. Today, XX/XX/XXXX I contacted WU again and they said they never received my bank statement showing the charge. Ive sent it to them again. So it is like a never-ending story. There is no consistency between all their responses and I have it all documented, all emails and related documents. 

I hope that you can investigate this case and help me get my money refunded. Thank you very much in advance for your time and for looking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested din processing disputes on my credit report to delete an remove the inaccurate information that is hindering my transunion credit report to clear all data that is hurting my file. this is my 2nd attempt. please delete asap to clear the errors listed from the credit reporters.
Product: Mortgage

After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I need to unfreeze my credit report, I did it with the other two companies but I can not access my account, the woman on the phone was unable to help me access it and told me that someone would call me back in XXXX hours which did not happen. I can not get through to anyone. If you do not have your log in info you are hostage to them. Even the system says there is something wrong with my user name and it can not provide it to me or help me. I want to buy a house and they need this report. This is mistreatment of the worst kind. They have my info and I am locked out and noone to help me. Please send them a citation or something. Are they able to lock me out and not help me? Horrible service. I held for over XXXX minutes the first time and the person who answered the phone did not even know the correct website for me to access and lied that someone would call back.
Product: Debt collection

I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email indicating I applied for credit at XXXX in morning. I looked at my credit report and noticed inquiries that I did not do. XXXX XXXX AND XXXX. I complained to TransUnion before and the inquiries were not removed. Now there is a new inquiries ( XXXX  ) on my account.
Product: Credit card or prepaid card

I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

I noticed a new account added to my credit report that I have no knowledge about. I have never received any correspondence to dispute the debt and I do not owe the debt. I have not signed any contract pretaining to this debt with the company.
Product: Debt collection

Nationwide Credit I reporting to XXXX that I owe {$3000.00} to an apartment community called XXXX. I have contacted Nationwide Credit, requesting a detailed explanation for the debt they are attempting to collect, but they are refusing to supply this information. It is a violation of my rights, under the Fair Debt Collection Practices Act to continue to report this debt to the credit bureaus, if they can not verify details about the balance they are trying to collect.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Community Choice Financial ( operating as Check Into Cash ). On XX/XX/2022, A loan with an APR of 132.46 % and additional fees totaling {$90.00} ( {$45.00} finance charge, {$40.00} transaction fee, {$5.00} verification fee ). These terms are predatory, excessively costly, and raise significant concerns under consumer protection laws. 

Key Issues : 1. Excessive APR and Fees : The APR of 132.46 % and excessive fees far exceed reasonable lending standards, trapping consumers in debt.

2. Ballooning Balance : Despite a {$400.00} loan, the balance has now increased to {$480.00} in a short period, showing the predatory nature of the loan structure.

3. Affiliation with TitleMax : Community Choice Financial is now associated with TitleMax, which has been penalized for illegal lending practices. I believe my loan may involve similar unethical practices.

Requested Resolution : Full investigation into the legality of the APR and fees charged.

Immediate removal of this loan from my credit report, as it reflects predatory and unfair practices. 
Refund of any unlawful charges or interest accrued. 

I believe this loan is a violation of fair lending practices, and I request urgent action to address these issues. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. 

It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. 
All bills are billable to medicaid. 
they are balance billing for {$1.00}
Product: Credit reporting or other personal consumer reports

XXXX is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe XXXX {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. XXXX and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report XXXX ONEMAIN XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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 U.S.C. 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 ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Money transfer, virtual currency, or money service

I have had an XXXX XXXX in the USA for over two years, with the company currently in good standing. Today, I discovered that my Wise account has been closed without any prior warning or explanation. When I attempted to log in, I was redirected to the attached screenshot, which prevents me from accessing my account. There is also no way to appeal or request reinstatement. 

I am urgently requesting that you reopen my account to allow me to continue my necessary business activities. If any additional verification or business documentation is required, I am more than willing to provide a full explanation along with the appropriate legal documents. 

I would greatly appreciate your prompt attention to this matter and the reinstatement of my account.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan after finding myself XXXX  struggling to pay my bills with my paycheck. During application process, i was not made aware of their EXCESSIVE interest rate. In my case, the interest rate exceeded 400 %. I was approved for a {$1600.00} loan with a {$280.00} bi-weekly payment until XX/XX/year> adding up to me paying back over {$5000.00}. They did not disclose the interest rate until i agreed to receive the loan and a loan document was provided. In the state of Colorado, these kinds of loans are actually prohibited and a loan can not exceed 45 % interest rate. I texted, emailed and left a XXXX review asking to cancel out my loan as i can't afford to be in their debt for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter by certified mail to Barclays Bank Delaware regarding an account on my credit reports from XXXX, XXXX, and XXXX, claiming that I owed Barclays money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to Barclays on XX/XX/XXXX at XXXX. Barclays is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day Barclays received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to Barclays, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to Barclays on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day Barclays received my letter, I still did not receive a response from them. This is two times that I have contacted Barclays and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from Barclays regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, Barclays has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. Barclays has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and XX/XX/XXXXcredit reports from Barclays that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when Barclays never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Product: Student loan

I called to get help lowering my payment because one, I have n't finished my degree and two I was unemployed and had a baby. All times they told me to fill out a forbearance letter. Thus adding more interest and higher payments. This happened more than twice. I was not informed of other options. Now I am left with more interest and higher payments.