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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I was shocked when I received my credit report and found late payment on the dates below XXXX XXXX XXXX XXXX XXXX 30 days late as of XX/XX/2024 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

i am an american national in full life not dead nor lost at sea. i am not a XXXX XXXX, NOR A MUNICIPAL CORPORATION, Nor am i a XXXX amendment CITIZEN nor am I subject to any STATUTORY STATE OF STATE LAWS i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Legal Trade Name XXXX XXXX XXXX have been accessed without my written or verbal consent. This is a copyright violation I am having issues with TRANSUNION AND XXXX deleting incorrect information. they keep saying verified and not giving the process of verification. i have also sent copies of the XXXX XXXX report which verifies my claim. I will like an immediate removal of any incorrect information that is preventing me access to my estate.
Product: Vehicle loan or lease

I am an XXXX XXXX  and due to the Covid-19 situation, my income has gone to nearly zero. I am also self-quarantining as the federal and state governments have requested. 

I called my lender, Exeter Finance and asked them if they could help me by deferring payments and they said no. I said " I thought lenders were supposed to help customers right now '' and they said " it's up to our discretion and we're not going to help you. '' I bought my car in XX/XX/2018 at an interest rate of 23.78 %. The amount financed was {$26000.00}. I have paid them a total of {$14000.00} and my current loan balance is {$24000.00}. 90 % of the money that I have paid them has gone to interest and they will not help me. 

Their agents were rude, disrespectful and vaguely threatening. I would not advise anyone to do business with this company. This has been the worst consumer finance transaction of my life. Exeter had to pay a multimillion dollar fine last year in Massachusetts for predatory and usurious lending practices with sub-prime consumers. Avoid them like you would Covid-19!
Product: Debt collection

Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late.
Product: Payday loan, title loan, or personal loan

THis loan is based off of fraud the medical company XXXX XXXX XXXX XXXX sells fraudulent services. Marketed at men with XXXX XXXX. THey don't have a set price for there service they ask a series of questions including what your annual income is and they charge you based on your income rather than for the service. ZUntafi provides the loan and they are well aware of the deceptive practices because they would have had to vet the company before agreeing to provide financing for their services. 

Charging different prices for the same service violates the law. 

Zuntafi is reporting this fraudulent account to the credit bureaus. It needs to be removed.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 u.s.c. 1681 : which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contradict the Consumer Financial Protection Act ( CFPA ), 12 USC ss5536 ( a ) ( 4 ) ( b ) as highlighted in the CFPB recent administrative proceeding file ( NO XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law, and provide consumer with the necessary proof of investigation. 
Experian is showing that XXXX XXXX is reporting an account that is not mine and they have showed this false account is reporting 30 days late once, 60 days late once and 90 days late 20 times. They are also showing inquiries I did not authorize, per below : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
Product: Debt collection

THIS COMPLAINT AGAINST XXXX  AND RISE/XXXX demands CFPB attention for prosecution.RISE /XXXX  in XXXX told the CFPB that the Supreme Court decision in XX/XX/2018in California did not apply to them.An untrue statement since the decision ( attached ) applies to all consumer loans over {$2500.00} originated in California XXXX 
The Supreme Court says this RISE LOAN, ACCT XXXX Appearing on XX/XX/XXXXis " unconscionable '' as to it's rate of interest ( about 160 per cent APR ) and violates CALIFORNIAS UNFAIR COMPETITION LAW contained in CALIFORNIAS BUSINESS AND PROFESSIONS CODE.Another false statement of Rise in their attached CFPB response says that the loan was a refinance not a new origination.Although I had paid off a RISE loan 6 months before this was a new origination, {$3500.00} at {$260.00} bi -weekly repayments for 15 months ... ( calculates to over 160 % APR, the SUPREME COURT SAID THAT 96 % AND 135 % APRS WERE UNCONSCIONABLE IN THE DE LA TORE VRS CASHCALL INC. case decided by them. 
THIS SUPREME COURT DECIDED THAT RISE BUSINESS AND BUSINESS PLAN OF UNCONCIONABLE RATES IS ILLEGAL UNENFORCEABLE, PROSECUTABLE IN CALIFORNIA. 
A CLASS ACTION CASE AGAINST RISE IS LIKELY COMING SOON ENTIRELY BASED ON THE SUPREME COURT DECISION OF XXXX XXXX XXXX LAW OR THE PRINCIPLE OF XXXX IS NOW OVER. 
MY LOAN SHOULD BE DELETED AS UNCOLLECTABLE IN ANY COURT OF LAW, DUE TO UNCONSCIONABLE INTEREST RATE AND OTHER RISE BUSINESS TACTICS. 
EXPERIAN IN THIS CASE CAN NOT EXEMPT THEMSELVES AS MERELY A REPOSITORY.EXPERIAN MUST ACT TO DELETE THIS LOAN DETERMINED BY THE HIGHEST COURT IN CALIFORNIA AS " UNCONSCIONABLE '' DUE TO ITS INTEREST RATE, AND THEREFOR EXPERIAN CAN NOT BE USED AS A COLLECTION TOOL OF XXXX RISE WANTS TO SUE, GO AHEAD, '' BE MY GUEST '' THE CROSS-ACTION WOULD BE WONDERFUL FOR ME ( $ $ $ $ $ XXXX ''.
Product: Debt collection

My car was broken into in XXXX, recently in XX/XX/XXXX after reviewing my credit report I noticed a car loan on my credit reports that is in default. That derogatory item does not belong to me so I have been trying to get it removed from my credit. I filed a police report, filed a complaint with the FTC and contacted the credit bureaus. All my efforts have been unsuccessful. The company the furnished the car loan has sent me several letters attempting to collect personal information from me that they should already have. I have been told not to provide personal information to third party agencies. In addition, the credit bureaus have assured me that they provided all the information that I sent them to the auto loan company, so I am confused as to why they are asking me for the same information.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids that.
Product: Credit card or prepaid card

I closed my XXXX 's XXXX MasterCard account at Synchrony Financial because of fraudulent activity. Synchrony Financial kept the accumulated cash reward and would not respond after the first communication.
Product: Credit card

Those number have been calling since XXXX 2015 7 days a week more than 25 calls a day including holiday when I pick up the calls no one says anything. I called back its macys/citibank. I have been calling, emailing macys personally since XXXX 2015 regarding charges on my account. They promesed they will fix it ; they never did. I paid them over the money that was owe on the account the account never fixed until XXXX. I spoke to several managers regarding the issue, my account has been compromised no one cares. I stop paying last XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to adequately investigate my claims. I was informed that recovering lost funds were impossible and tracking the funds were unfeasble.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Student loan

I have attempted to contact MOHELA a number of times. I have sent an email on the following dates with zero replies nor a phone call. XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022. 

I have tried to call their customer service numbers on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Every time I call, I am on hold for well over XXXX minutes only to be disconnected and try again. I have emailed asking for someone to call me. There is something wrong with my account and no one will respond to me. 

Customer service experience is terrible. While I understand the amount of people attempting to work with MOHELA at this time, it is not okay to not respond to a customer.
Product: Debt collection

I looked up my credit history and it shows jet Lending is destroying credit stating i borrowed money from them in 2011 this is false my information was stolen and i did not get a loan
Product: Mortgage

I have been attempting to get my lender, NewRez, to substantially respond to my request for a Partial Release. They have a dedicated department and email for this - XXXX. Unfortunately this mailbox appeared to be unmonitored until I filed my eaerlier ( and now closed ) CFPB complaint. Since then, someone from the partial release department ( XXXX ) responded and requested documents ( that I had already provided in an earlier email ), and I supplied again. That was over a week ago, and it has been radio silence since then. Requests for updates were made every other day. They were not responded to. 

I have essentially been ghosted by NewRez. I simply want them to respond to my request- and most importantly - to SCHEDULE THE REQUESTED APPRAISAL IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.
Product: Debt collection

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by __LENDMARK immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Payday loan, title loan, or personal loan

ACH cash express has been harrashing me and has treaten me with a laywer and has cause me to get fired from my job with all the calling they have done. it a pandemic. they have not contacted me till now about the loan
Product: Mortgage

I am writing to bring a concerning issue to your attention regarding my home equity line of credit ( HELOC ) with Bank of America. To my dismay, I discovered that my HELOC was abruptly cancelled without my consent, and what is even more disheartening is that I received no prior notification about this decision. My attempts to seek clarification from the bank have been met with unresponsiveness, as they provided no information regarding the cancellation. Despite being told that my query was submitted, I have not received any updates or explanations for several weeks now. Once again, upon reaching out for further clarification, I was met with silence, leaving me deeply troubled and concerned about the violation of my rights as a consumer. 

I would greatly appreciate your assistance in investigating and resolving this matter promptly. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX Vet trying to fix my credit. Transunion is using stall tactics to provide me a service I am entitled to. I am sending my disputes and I'm having no luck. They are sending me a letter about me having a third party doing my credit. Something like that. I am trying to get a refi on my home and these inaccuracies are stressing me out. I hand write all my letters so I don't see how they think that.
Product: Mortgage

My mortgage servicing was just transferred to Selene XXXX, website www.selenefinance.com, I have been trying to make my XXXX payment but their website does not accept payments, their phone system doesn't let me make payments and no one at Selene answers the phone. Selene has a very bad reputation, I am a XXXX XXXX XXXX  and am very worried about losing my home to the company. I need to make my XXXX payment asap and am unable to reach anyone at Selene. Please help.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that the listed company made an unauthorized inquiry on my credit report. I have listed the name of the company below, and the date the inquiry was made.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX, which involved me making deposits for a total amount of XXXX USDT from my Crypto.com account to a fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP ONE Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
CAPITAL ONE Potentially negative Date opened XXXX Balance {$6500.00} Status Account charged off. {$7100.00} written off. {$6500.00} past due as of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX really distressed by seeing unauthorized inquiries on my credit report tonight. I dont understand why theyre there, and refreshing my browser didnt help. I urgently need the documents Ive provided to be thoroughly examined so I can finally have peace of mind. 
XXXX XXXX :
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Fax : XXXX Toll-free Phone : XXXX On the web : www.chexsystems.com We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit ( Qualifile ) Score : XXXX Score Date : XXXX Scores range from a low of XXXX to a high of XXXX, while exception scores range from XXXX to XXXX. 

Key factors that adversely affected your credit score are indicated below ( indicate the four key factors that adversely affected the credit score or if the number of recent inquiries is a key factor, indicate five key factors including the number of recent inquiries ) : TIME SINCE XXXX XXXXNQUIRY ACTIVITY UNIQUE FI XXXX  INQUIRY HISTORY DDA CLOSURE PAYMENT HISTORY XXXX  CLOSURE ( XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/year> a letter was sent to EXPERIAN to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible
Product: Student loan

PSLF paperwork completed and sent XX/XX/XXXX. I follow the prompts for calls and/or texting, and no one ever responds. I have been attempting for more than 1 year. My loans should have been forgiven by the end of XXXX. I'm still paying on them, and it's now XXXX. Customer service has been horrendous!