23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an account with XXXX and they ran my credit and I was approved for {$5000.00} or {$6000.00} dollars. I made a purchase for {$3600.00} on XX/XX/XXXX and had it delivered. 
I started making payments on these items that I purchased for the past 2 years with the last payment on XX/XX/XXXX balance paid in FULL. 
On XX/XX/XXXX I received a letter from XXXX saying that they are closing my account and their decision was based in part on a scoring system that was used to predict your creditworthiness? 
The reasons are : Balances on Bank Cards are too high compared with credit limits Too Many Revolving Accounts with High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Too Few Installment Accounts Recently Paid As Agreed NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH THEM OR FOR THE MOST PART ANY OF MY CREDIT CARDS. 
IN ORDER TO OPEN AN ACCOUNT WITH JEROMES THEY RAN MY CREDIT AND MY SCORE WITH DOWN AND AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? 
I PAID XXXX IN FULL AND NOW THEY DECIDE TO CLOSE MY ACCOUNT THIS IS UNACCEPTABLE. 
ATTACHED are my last few payments in XXXX, original order from plus their letter they saying they are closing my account. 
I fill like they are trying to RUIN my credit. 
My major credit cards have not decreased my credit limits or closed my cards and they are just a store credit? 
What justifies them to be able to close my account?
Product: Debt collection

The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is still showing as delinquent when the account has been paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED XXXX XXXX XXXX XXXX  THESE WHERE NOT AUTHORIZED
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is mandated that consumer reporting agencies, such as XXXX, XXXX, and XXXX, exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am empowered to ensure that my private information remains protected, as affirmed by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) explicitly states that consumer reporting agencies may only furnish consumer reports with the written instructions of the consumer. Neither the financial institution, acting as a furnisher of information to credit agencies, nor the consumer reporting agencies, XXXX and XXXX, have obtained my written consent to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) b stipulates that a financial institution must inform the consumer of their right to exercise a nondisclosure option regarding the sharing of nonpublic personal information with nonaffiliated third parties. However, ( Furnisher of information to credit agencies ) failed to provide me with an explanation of how to exercise this right.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. Yet, the inclusion of adverse account information without my consent violates this provision.

Furthermore, 12 CFR 1016.7 ensures that consumers have the right to opt out of information sharing at any time. Therefore, I am exercising my right to opt out of your reporting services.

In addition to the above laws and regulations, the Family Educational Rights and Privacy Act ( FERPA ) also safeguards the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to protect the confidentiality of student records and provide students with certain rights regarding their educational records. Therefore, I assert my rights under FERPA to ensure the privacy and protection of my educational information.

Please confirm in writing that my request to opt out of the disclosure of my personal information has been processed in accordance with all relevant laws and regulations, including FERPA. If further information or documentation is required from me to facilitate this process, please do not hesitate to contact me at the provided address. 

Thank you for your attention to this matter, and I appreciate your prompt action in complying with my request.
Product: Credit card

Dear Discover Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting XXXX to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XXXX/XXXX/2016 XXXX XXXX Sales {$5000.00} XXXX/XXXX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Product: Payday loan, title loan, or personal loan

With bank statements to verify the payments, Ive been paying TitleMax a total of {$210.00} since XX/XX/XXXX. From the beginning, the title loan amount was {$1900.00}. My car involved is a measly XXXX XXXX XXXX. I faithfully paid TitleMax {$210.00} every single month until XX/XX/XXXX. I simply did not have enough money to pay them. Although I faithfully paid them every single month, the bill has not budged. Because of that one missed XXXX payment, today, the bill is registering over {$2000.00} & is steady going up. By XX/XX/XXXX, the amount owed will be nearly {$3000.00}. Regardless of the details in the contract, I thought that at some point, the top TitleMax officials would have mercy on their customers & would stop charging high interest on loans during a pandemic when they know that many people are suffering financially. After they called me up at the end of XXXX & threatened to take my car, I managed to scrape up the {$210.00} payment for XXXX. 
After making that XXXX payment, we had no food & our utilities almost got turned off, but fortunately, without making a payment, the companies kindly left the utilities on. In XXXX & XXXX, I was able to make only one {$210.00} payment each month ( a total of {$430.00} ). TitleMax is now expecting another whopping double payment of about {$430.00}! I dont have this kind of money to give TitleMax whereas my family is literally STARVING & the TitleMax bill is going NOWHWERE BUT UP! Theres a {$7.00} daily charge for each day a payment is late. 
On XX/XX/XXXX, before I could think about receiving my stimulus payment, TitleMax called me up & demanded a double payment & threatened to take my car although I paid them a {$210.00} payment in both XXXX & XXXX. At this point, if you figure it up, from XX/XX/XXXX, I have nearly doubled the repayment of that title loan. By right, I dont actually owe them anything & why should I give them my car after missing a single payment? 
I feel that at some point for customers who have been paying interest on a TitleMax loan for a long time & are unable to pay it out in a single lump sum, top officials at TitleMax should stop collecting the interest & forgive the loan, particularly when a customer has already double paid back the loan! 
Due to XXXX XXXX, Im on a fixed Social Security XXXX income. The TitleMax bill is similar to having a hole in my pocket. Im throwing away {$210.00} per month & the bill is increasing. I feel VERY helpless because I dont know how to stop this without giving them my car. I need my car for doctor visits, grocery shopping, & to commute my brother to dialysis. What should I do to get away from TitleMax without having to give them my car & to finally stop paying them? HELP!!!!
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protect Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Debt collection

National Credit Adjusters owes me XXXX XXXX for the damages and violations against me XXXX XXXX The Natural Person & Consumer. NCA sent me a letter stating I owed a debt. In this letter was numerous violations that NCA IS AWARE ABOUT! I have attached an affidavit of truth
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies Experian, XXXX and XXXX. Furthermore, I have contacted Experian, XXXX and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report negative fraudulent accounts on my credit report that need to be removed from report number ; 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

Years ago Equifax current personnel deleted my current address of that time. Since then they have not permitted me a copy of the report related to me. Even though I have a registered user name and password with Equifax! 
Calling in, they ask usual ID questions, OK. Then questions of erroneous information are asked, to which I answer none of the above. Then I was denied access, for which I am told to send in information of a certain format via snail mail. I did, with extra supportive documentation. Then I was told that the documents were not excepted. Hung. 
This problem persists today, their errors unresolved. 
Past addresses of record were in XXXX, XXXX ( a mail service only - used for many years ), and an address in XXXX, XXXX ( street has varied slightly ). 
My present physical address is in XXXX. For this I presented documents of passport, Homeland Security ID, XXXX residency card, XXXX driver 's license, and utility receipts. They still did not complete the update. 
I have physically lived in XXXX for 23 years. Now I have been informed of a new erroneous collection on my record related to supposed service in the USA, when I am not in the USA. 
Further, Equifax has no authorization in XXXX. 
Equifax documents related to my consumerism should only be historic. 
Additionally, I have been informed that I am a victim of the Equifax XXXX data breach. For this I am entitled to additional services and compensation. 
Due to the above information, on XX/XX/XXXX, I clicked an Equifax link to spot check the Equifax credit score supposedly related to me. Equifax error again - this link enrolled me in Equifax Core Credit service. I received an email to that affect informing me that for this I am not eligible for my lawful free credit report copies.
Product: Credit card or prepaid card

I was online shopping about to purchase an engagement ring, lingerie and a few more gifts for my girlfriend since she just had a birthday on XX/XX/XXXX and I wanted to propose. I put a couple of bras in the cart and received a pre approval for a $XXXX  Victoria’s Secret store credit account. I went through the motions and inserted the last four of my social as well as my date of birth. I was approved but when I went to accept the terms, it caused an error. I thought maybe it was my internet connection so I was going to wait 24 hours and try again. I went to both XXXX XXXX website and XXXXXXXX website. Surprisingly, the same thing happened on XXXX XXXX   and XXXX as well. This is really odd. I couldn’t use the back button and didn’t know who to contact. I tried to call the customer service number for each card but was told they couldn’t help without open accounts. I explained that I was just approved but the representative didn’t want to help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

1 ) Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported in those account 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 XXXXXXXX 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 or other personal consumer reports

This is my XXXX 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, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX AV XXXX XXXX, GA XXXX
Product: Credit reporting

The reason I am writing you today is because XXXX Credit Reports states that they had some " investigation '' when I disputed a notation in reference to XXXX / XXXX but the issue is. The amount reported from the Reporter ( XXXX / XXXX was much higher then the agreed to amount between myself and XXXX collection agency. There was litigation then we settled out of court for XXXX but there has not been any notation that the payment was properly applied to my account. I see from the most recent credit report the XXXX settlement is being ignored and the XXXX payment is being placed against a much higher balance this balance is not what we agreed to and wrong. This was reported to the credit reporting agencies including XXXX on several occasions but they state an investigation occured. If this indeed happened there would be evidence I asked for this evidence. None was received by me. I believe that if those who place information onto a credit report pay a fee to do that that creates an conflict of interest when a subject of the report attempts to correct an inaccuracy. Disputes go as far back as XX/XX/2013 I have a copy of the NYXXXX XXXX Complaint. This company had more then enough time, it 's time to remove the item from the report.
Product: Student loan

I have on multiple occasions ( starting in XX/XX/year> ) requested a refund of my {$5000.00} in payments made to Fed Loan Servicing ( myfedloan.org ) during the XXXX forbearance period to my current servicer, MOHELA. I kept being told " It is in process and wait another 90 days '' or similar each time I submitted the request to either studentaid.gov or MOHELA. Recently, MOHELA responded with a different answer of " Dear XXXX XXXX, Thank you for contacting MOHELA. This letter is in response to the secure email request, regarding the federally owned student loan currently serviced by MOHELA, a federal servicer for the XXXX Department of Education ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( FSA ). You XXXX contact the XXXX XXXX XXXX ( XXXX ) at XXXX or through XXXX. Regarding your request, our records indicate that no further refunds are due. We have researched the prior servicer payment history that we received, and have determined that the large payments that were made to your account during the XXXX pause had paid off loans, and can not be refunded. If you have other questions or concerns, please contact us at the number listed below. ''
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

I had fraudulent withdrawal transactions take place on my account on XX/XX/ and contacted the credit union on XX/XX/ to take care of it. I have submitted everything including a police report and they have been non-compliant and dragging out the process to rightfully return my money. I have been calling every week and learned on XX/XX/ that credit union never even bothered to file my case for the fraudulent withdrawals .... It has been close to a month now and my {$950.00} has not been returned yet... The entire process should have not taken more than five business day to complete...