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

When I tried to get my free annual credit report from Experian via the official XXXX web site, the web site claimed a condition existed which requires me to mail in a request for the report. I believe Experian does this to discourage people from requesting their free credit report, and I think they should be held accountable for this behavior. To resolve this issue, I would like Experian to allow me to download my credit report, or mail me a credit report at their expense. I would prefer to download the report, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

While checking activity on my credit report with Trans Union I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" N.J.S.A. 2C:21-19 makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, N.J.S.A. 2C:21-19 renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " LLC '' ), or limited liability partnership ( an " LLP '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, LLC, or LLP, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. N.J.S.A. 2C:21-19 ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. 2C:21-19 ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as schemes and predatory. How can XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debts totaled a bit over {$110000.00} when I entered the program XX/XX/XXXX. The lure of the company ( Harbor Legal Group, or HLG ) was that their program could save me 50 % or more of my debt load. My responsibility was to make regular monthly payments of an amount they calculated, which would pay off my debts at the end of 52 months ( the programs duration ). The 52 monthly paymentspaid without fail month after monthtotaled {$73000.00}. BUT, this {$73000.00} only paid 19 debts that totaled about{$84000.00}, which is about 87 % ( not 50 % ) of those 19 debts and has left me with 8 unpaid debts that total  {$33000.00}! The regaining of a decent credit status I was assured the program would bring me at its completion is unrealized and my credit score is as bad as or worse than at its inception.

I had a total of 27* creditors when I entered the program. The {$73000.00} I paid has settled 19 debts. Eight debts ( almost a third of the total ) have not been settled ; these eight creditors comprise my remaining indebtedness of {$33000.00}. *Another creditor ( a 28th ) seized money from my bank account to settle my debt with them in full before agreeing to a settlement via HLG. 

My monthly payments were taken automatically from a personal bank account beginning XX/XX/XXXX. Of the {$73000.00} I paid into the program over 52 months, {$49000.00} went to my creditors. This means that the company itself ( HLG ) netted about {$24000.00} while leaving me with {$33000.00} in unpaid debts. 

In a phone conversation XX/XX/XXXX with an HLG representative, I was assured that negotiations would be continuing with the remaining eight creditors and the money I had paid into the program ( {$73000.00} ) would cover those 8 remaining debts. HLG had informed me that they have recordings of all calls on file, so this can be readily verified ( assuming the recording is not edited or erased ). However, in subsequent conversations with HLG representatives this past XXXX, XXXX, I was told that these 8 debts that total {$33000.00} were not covered by what I paid into the program and was therefore my remaining burden. The HLG rep. of XX/XX/XXXX had given me misinformation.
Product: Credit reporting or other personal consumer reports

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit card

I have many closed accounts on my credit report from unknown companies. I need these removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit card or prepaid card

I called Barclay 's in early XXXX to increase my credit line on my card. They increased it to {$10000.00}, I enrolled in the 0 % APR until XX/XX/XXXX at this time. When I received my XX/XX/XXXX Statement it doesn't show on the bottom that I owe {$1500.00} at 0 % APR like other credit card statements that I've had in the past. So I called Barclay 's and the agent said that the offer is not activated on the account and they couldn't back date the offer to be placed on my account. I told her that I wouldn't have took a hit on my credit bureau to increase my credit line if I didn't activate the offer. She said her hands were tied. So on XXXX I made the full payment so I don't have to pay interest on the account. Today, XX/XX/XXXX I receive an email ( attached ) that my 0 % offer is still active. When I phoned into to confirm the first rep stated I didn't have this offer on my account, I asked to speak to a supervisor, when she pulled up my profile she said she sees the offer and it expires on XX/XX/XXXX. I asked her where on my XXXX statements does it show that the {$1500.00} was at 0 % she said it wouldn't show, I will have to call in to see when the APR expires. So now I paid the {$1500.00} in advance and lost out on using the promo. I think this is an error on how Barclay 's statements and how their agents are trained how to see offers on customer 's profiles. I asked for a refund of my {$1500.00} payments so I can break the payment until XX/XX/XXXX they said no they can not. They literally advertised and offer and didn't provide proper documentation for me to understand my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian are reporting an account with misleading information. After I reviewed my credit report online these XXXX bureau have XXXX accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureausXXXX XXXX and Experian is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

Experian 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 EXPERIAN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 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 more than seven years.

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

I applied for a Discover It credit card on XX/XX/XXXX this week, which got approved instantly. Today ( XX/XX/XXXX ), however, before even receiving the card, I received requests to sign the IRS Consent Form 4506-C, then subsequently asked to fill out the enhanced notary form ( https : //card.discover.comXXXX  ). The notary form required me to include my bank statements for the past 3 months. However, I am a XXXX who has just arrived in the United States three weeks ago. I opened a bank account with another bank shortly after arriving, but I definitely do not have 3 months ' worth of bank statements. I tried to call Customer Protection Services, but they replied that since I can't complete this form with less than 3 months of bank statements, my account would be closed after XX/XX/XXXX.
Product: Debt collection

I filled out an inquiry request on the company 's website last week and received no response. This has been an ongoing issue. I was contacted by another company claiming they owned my debt, so I was looking for confirmation in case my debt was sold due my previous complaint. I previously opened a complaint under # XXXX. Under this complaint the company responded stating I have been making payments to them for 10 years, but there was " never a formal payment arrangement ''. I spoke with someone 10 years ago which is what I assumed was a formal pay arrangement, hence why I have been making payments. I dont understand how after 10 years suddenly there is no arrangement? I also tried today to make my monthly payment, and once again I am blocked on the payment portal from making a payment. In my previous complaint I stated this as an issue and the company claimed they removed the hold. I was able to make a payment last month, but now the hold has returned. I previously tried to call and email multiple times to correct this but recieved no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like american express accepted a payment after they closed the account already.
Product: Checking or savings account

On XX/XX/2023, MONEYLION suspended my account ( without notice ) stating that they closed it due to unusual activity. They made no attempt to contact me or question me about these purchases being made, which I told them I DID make. They then told me there wasnt anything they can do. They said I had to submit proof of my license, address and a notarized letter from the company that most recently deposited into my account. Ive contacted the company that last deposited into my account ( XXXX XXXX, which is a tax service. I am not able to get a letter from them because they are so backed up with tax complaints. However, this same company deposited into my account early XXXX and MONEYLION had no issues. The supervisor I spoke with said theyve been dealing with this issue with other customers, but yet they cant do anything to fix the problem. They refuse to release my money to me ( a little over {$1000.00} ) and I am not able to pay my bills or rent.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was XXXX  as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over XXXX.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXXr my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS
Product: Debt collection

This account is not mine and is 27 years old! they just Erroneously planted account that has way past the statute of limitations! 
1 ) report Midland Credit managementXXXX XXXXXXXX XXXX XXXX XXXX Amount {$780.00} # XXXX opened XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in to be removed. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.