23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Blue Trust Loans {$1600.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. There is no early payoff per se. The balance is now showing a pay in full balance of {$2400.00}!!! I refuse to pay {$2400.00} on a loan in which I have already paid over {$700.00} since XXXX. I called BlueTrust at the end of XXXX and most recently in XXXX to request a payout and payment plan to pay off the balance, they refused to update my account balance and offer a payout that aligns with my payments. They have continued to attempt drafting against my bank account.
Product: Money transfer, virtual currency, or money service

On the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX attempted to send money thru PayPal to friend that I knew XXXX XXXX for hospital costs for her mother. I had never used PayPal ever in my life. Over the three day period I had sent {$3100.00} thru PayPal in an attempt to pay for the hospital costs. 
Well XXXX XXXX never received the funds that I sent and the funds were NEVER returned to me. I had made numerous calls to PayPal for weeks and was never given a reason that the money was not sent to XXXX XXXX or returned to me. I have documents from PayPal showing each transaction that I had sent to PayPal the amount and the date and a description of the type of transaction made. After some time I had basically had given up which was a fault of mine. But PayPal never gave me an explanation to why they kept my money?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian / XXXX XXXX for Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/scrub>XXXX XXXX XXXXXXXX and Experian has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

All my submissions and creditor correspondence dates can be verified through my CFPB account. I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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

I have sent DOCUMENTATION to TRANSUNION CREDIT REPORTING AGENCY. I have made numerous phone calls and talked to numerous TRANSUNION CUSTOMER SERVICE AGENTS. Every time talking to the TRANSUNION CUSTOMER SERVICE AGENTS- I would be told that they would create an escalated ticket to issues resolved. When I would log on into my TRANSUNION online account and request to see my credit report. The TRANSUNION website would give me errors and say that I can not access my credit report at this time. When I would log on to my TRANSUNION online account to dispute the inaccurate information on my credit report. The TRANSUNION website would not let me dispute the inaccuracies on my credit report. I would get errors when I tried to click on get my credit report or click on the button to dispute. When I would log on to my TRANSUNION online account to FREEZE my credit report. The TRANSUNION website would not also let me freeze my credit report. I was also getting error messages. The TRANSUNION CUSTOMER SERVICE AGENTS would tell me that they are creating an case and that they will escalate my problems. The TRANSUNION CUSTOMER SERVICE AGENTS would also tell me that a TRANSUNION CUSTOMER SERVICE AGENT would call me back within 72 hrs. No TRANSUNION CUSTOMER SERVICE AGENT ever called me back to resolve these major violations of the FAIR REPORTING CREDIT ACT. I have been trying to resolve these problems with TRANSUNION since the beginning of XXXX XXXX. The TRANSUNION CUSTOMER SERVICE AGENTS would just tell the consumer lies on the phone phone.
Product: Credit card

I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.
Product: Student loan

I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.
Product: Debt collection

GENESIS CRDT Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Either remove this account from my credit or I will be force to sue for non-compliance and identity theft by charging and attempting to collect a debt I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EXPERIAN XXXX. XXXX  XXXX XXXX TEXAS XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO RECTIFTY THIS PROBLEM OF BEING A VICTIM OF IDENTITY THEFT AND FORGERY AND FRAUD BEING COMMITTED IN MY NAME. IM TRULY UPSET BY THESE ACTIONS OF EXPERIAN AND HOW THEY HAVE NOT DONE A PROPER INVESTIGATON ON MY PERSONAL INFORMATION AND REOMOVING THIS FRAUDULENT INFORMATION THATS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized inquiries on my credit report as listed in the report provided by the credit agency. I believe that these inquiries were made without my consent or valid legal reason, which is causing XXXX and strife in my like and is also a is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681b ( f ) of the FCRA. And by right of law, all of the information on my report Must be accurate.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX HAS FAILED TO COOPERATE WITH THE FCRA 16 CFR Part 681 TO REMOVE FRAUDULENT ACCOUNTS THAT HAVE BEEN REPORTED ON MY CREDIT REPORT THAT HAS BEEN REPORTED FROM FRAUD AND THAT HAS BEEN OPENED WITHOUT MY KNOWLEDGE. I HAVE ALREADY REACHED OUT CALLED NUMEROUS TIME WITH NO RESPONSE TO MY ORIGINAL DISPUTES.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit. 

I feel I was negatively impacted by Experian and Transunion, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Affidavit dispute letters, ftc reports, police reports, complaint with you, CFPB are all the routes that I took to remove these inaccurate items. Experian & Transunion REFUSE to leave items deleted and continuously report inaccurate items. This has caused financial hardship and would like the inaccurate items removed. XXXX XXXX auto account, revolving credit cards, personal loans that are inaccurate should be removed.
Product: Debt collection

BBY/CBNA said I owed {$1700.00} to them and this account was charged off on XX/XX/scrub> XXXX XXXX  and according to law I didn't receive a 1099c form please contact them and have them remove this debt
Product: Debt collection

I contacted XXXX XXXX at Paramount capital on XX/XX/XXXX in an attempted to settle a charged off debt of {$3700.00}. Collector stated that only the amount of {$3000.00} was acceptable at the time. On XX/XX/XXXX i received a letter from XXXX XXXX stating that {$1400.00} was an acceptable amount to consider this debt settled in full. I believe the collector has clearly violated Section 807 ( 10 ) of the FDCPA which, " prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$13000.00} ; XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.
Product: Credit card

US Bank XXXX XXXX released with... 



When you place your order, it will arrive between XX/XX/XXXX and XXXX Product details : Unblocked XXXXXXXX XXXX with an available limit of XXXX. 

TRACK MY CARD We'll keep working to find more opportunities. See you soon! 



Our emails are to contribute to your growth, we work to keep you always informed about the best options. http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our emails are designed to help you grow. We work hard to keep you informed about the best options. 

Sent to : XXXX Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

This past Summer I sent a secure electronic message to Navy Federal Credit Union through my online account requesting that the {$2800.00} balance transfer that I had initiated on XX/XX/XXXX from my XXXX XXXX Credit card be reversed, since I was disputing a substantial portion of that balance in the amount of {$1300.00} ( see CFPB Case # XXXX ). I was informed that this was not possible and that I should dispute any charges with the original card issuer. With the 0 % APR promotion that was used in connection with the transfer due to expire on XX/XX/XXXX and not having received the third stimulus check for {$1400.00} despite the fact that I receive direct deposit as a XXXX Beneficiary, I phoned XXXX today to confirm that there was no way to transfer the balance on my NavyFCU back to XXXX, only to be informed that because the transfer had been made more than a year prior, this was no longer an option ( this same NavyFCU Representative that I initially spoke to indicated that he had just received his stimulus check in the mail today, suggesting that mine may never arrive at all ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Affidavits to XXXX, Equifax, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report.

I received a copy of my credit report and found the following item ( s ) to be errors.

I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$17000.00} XXXX - XXXX - {$8600.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.