23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

violated my consumer rights ,15 U.S. Code 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Vehicle loan or lease

I have been trying for the last 3 years to catch XXXX back car payments up, even doubling up on my payments every month but no matter how much I pay they keep adding charges on to it and I'm still falling behind and it's showing my payments are always late on my credit report. No one I've talk to has been able to help me. They say " well, it's going down '' ... .NO, it's going UP!! They were supposed to put those two payments at the end of my loan so I don't know what's going on or how to fix it. I can't pay no more than I'm paying now and I'm thinking of getting a lawyer to resolve this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : BMW FIN/ALPHERA FIN SVCS ; Account number : XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is aware and has proof that experian is in violation of USC 1681c-2 ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 1681. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 

I viewed my XXXX credit report on XX/XX/year>, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The collection agency NATIONAL CREDIT SYSTEMS placed a debt that is not mine without my knowledge on my credit report back in XX/XX/2019. I requested proof of this debt to be verified from this collection agency and all 3 credit bureau agencies but no compliance which has decreased my fico score and prevents me from getting a new apartment. They have not followed the law after making 3 attempts to contact. I provided proof that I owe no money. Original creditor is XXXX XXXX XXXX AT XXXX XXXX who I also contacted but they would not resolve. I applied for an apartment with them but was declined and their paperwork stated I would be refunded {$150.00} deposits but I wasn't. Two months latest collection company NATIONAL CREDIT SYSTEMS sends me a notice saying I owe {$270.00} to XXXX XXXX XXXX when the amount to apply which I paid was {$200.00}. So they are trying to commit fraud by not only not refunding my money, but also trying to get more money then destroying my credit.
Product: Debt collection

On XX/XX/XXXX, I was a victim of identity theft an identity thief created a real estate loan using my personal information without my knowledge, consent, or authorization. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, advising they were pursuing a non-judicial foreclosure on this identity theft related loan.
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXXXXXX XXXX XXXX XXXXXXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up once again concerning the unresolved issue of fraudulent items on my credit report. Despite my repeated attempts to rectify this matter, the fraudulent entries persist, posing a significant threat to my financial well-being and causing considerable distress. 

Regrettably, the fraudulent items remain on my credit report, tarnishing its accuracy and integrity. I have pursued every avenue available to me through your organization in the hope of achieving a resolution, but to no avail. 

Given the seriousness of this matter and its implications for my financial standing, I am reaching out once again to request urgent action. I implore you to conduct a thorough investigation into the fraudulent items on my credit report and expedite their removal. Additionally, I seek transparency regarding the specific actions taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX**** Balance Owed : {$50.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform 3 Credit Bureaus that the files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX XXXX Balance Owed : {$4800.00}.
Product: Checking or savings account

Sometime in XX/XX/, someone accessed our TRUIST account. They viewed or printed copies of FOUR checks. Neither myself or the co-user on the account requested these. The unauthorized access caused fees to be accessed on our account. 

I contacted Truist on XX/XX/XXXXXXXX XXXX XXXX XXXX, and XX/XX/XXXX. I have spoken with a local branch, their fraud department, and accounts department. None were able to help me. 

Truist is unwilling to provide details about the FOUR transactions. We asked for : 1 ) who initiated the transactions, 2 ) which bank employee initiated the transactions, 3 ) the date/time of the transactions, 4 ) the location ( branch ) that initiated the transactions. Without this information, we are unable to determine if these were FOUR errors ( One might happen, but not FOUR ), an inside job where an employee is stealing customer information, persons impersonating myself or the co-user, or some other nefarious action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Equifax XXXX I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part
Product: Student loan

Since last year, I have been going through homelessness and unemployed. I had attempted to log on to StudentAid.gov to sign up for the SAVE Plan but the website would not allow me to sign up until XX/XX/XXXX. In XXXX, I contacted MOHELA to inform the loan servicer of my hardship. MOHELA placed me on an administrative foreberrance. Once I notified the loan servicer that I was able to sign up for the SAVE Plan, MOHELA processed the SAVE Plan but stuck me with having to pay {$1000.00} balance for XX/XX/XXXX. 

I am unable to pay this balance, hence the SAVE Plan. I am still trying to recover from homelessness struggling with employment. MOHELA requiring me to pay the {$1000.00} XX/XX/XXXX balance will land me in default after I have enrolled in the SAVE Plan. I reached out to the MOHELA Ombudsman for resolution and have not received a response.

Please help!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX for actions that I believe violate my rights under federal law, specifically 15 U.S.C. 1635 ( Right of Rescission ) and 15 U.S.C. 1662 ( False Advertising in Consumer Credit Transactions ). My primary concern is ensuring that I retain possession of my vehicle while these issues are investigated and resolved. 

Details of Complaint 1. Violation of 15 U.S.C. 1635 Right of Rescission XXXX failed to provide accurate and complete disclosures regarding the financing terms of my vehicle purchase. This omission deprived me of my legal right to evaluate the transaction and potentially rescind it under the Truth in Lending Act ( TILA ). 
2. Violation of 15 U.S.C. 1662 False Advertising XXXX advertised financing terms and warranties that were misleading and did not reflect the actual terms I received. Specifically, they claimed [ insert specific claim, e.g., low-interest financing or comprehensive warranty ], but the agreement I signed included [ describe differences, e.g., higher interest rates, fewer protections, etc. ]. 

Key Issues XXXX misrepresented the financing and warranty terms in their advertising. 
The company failed to meet the disclosure requirements mandated by TILA, impacting my ability to make an informed decision. 
Despite these violations, I rely on the vehicle for essential needs, and retaining it is critical for my livelihood. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX actions to determine if they violated 15 U.S.C. 1635 and 15 U.S.C. 1662. 
2. Ensure that I retain possession of my vehicle during this investigation and resolution process. 
3. Require XXXX to comply with federal consumer protection laws by providing accurate disclosures and correcting any deceptive advertising practices. 
4. Allow for a fair resolution of the financing terms to align with what was initially represented. 

Supporting Documentation I have attached the following for your review : A copy of the credit agreement and related disclosures. 
Copies of XXXX advertisements and promotional materials. 
Correspondence with XXXX regarding the transaction. 
Any other relevant documentation. 

Impact and Resolution XXXX lack of transparency and misleading practices have caused me financial harm and significant distress. However, the vehicle is critical to my daily life, and I request assurance that I can retain possession of it throughout this process. I trust the CFPB to take appropriate measures to address these violations and secure a fair outcome. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, the consumer recieved via certified XXXX postage of the consumer requesting for Transunion to investigate the " validation '' of the debt of XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX. Transunion report file of the consumer does not have any contact information ( address and telephone number ) of both the original creditor or the debt collection agencies in which the consumer recieved any written notice of a debt the consumer owed such collection agencies in compliance to 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) .Transunion was requested to foward the consumer letters ( NOTICES ) from the debt collection agencies complied with 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) to validate the debt. Transunion was given 30 days to investigate into having the debt collection agencies provide such Notices and was requested upon failing to validate the debt, to remove such accounts from the consumers credit report. Transunion did not correspond back before the consumer within the 30 day timeframe and did not provide the appropriate data in which a dispute can be made to validate the debt in action to show that the debt collection agencies provided within the consumers file report did not comply with 15 U.S. Code 1692g ( a ) ( 1 ) - ( XXXX ) and no validation of the debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had set up recurring payment on their website twice for the credit card payment, the first time didn't work, and I called and pay the late payment, second time I set it up, this time to be sure, I wrote down a confirmation ( # XXXX ). but two months later, my credit report shown up a 60 days late on the account and had greatly impacted my score ( down 60-80 ). I called the credit card company and the representative had put an note on the account and told me the only way to get that out on my credit report is to file a complaint, and she had put notes on the account to help with the process.
Product: Credit card or prepaid card

I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts.