23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuse to delete the item from our credit report despite many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the first delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. I am attaching a credit report from TransUnion dated XXXX XXXX XXXX in which they list the XXXX late payments made in XXXX XXXX and XXXX, XXXX, XXXX XXXX. I am also attaching a follow up credit report dated XXXX XXXX in which they suddenly make the XXXX and XXXX delinquencies " disappear '' and use the XXXX delinquency as our seven year date. I am also attaching paperwork that proves our payment history as well as XXXX and XXXX sending us default notices in XXXX and XXXX of XXXX. I am also attaching a copy of the paperwork I most recently filed with Transunion disputing this issue
Product: Consumer Loan

30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Product: Money transfer, virtual currency, or money service

I still am money transfer on XX/XX/2018. Person sent to could not receive due to identification problem. XX/XX/2018 Western Union wrote me to advise that the receiver had not got the fund and they wanted to refund. I told them to send it but they could not match my address since I had moved. I sent them a copy of my lease as requested along with going on to their website to correct my account. They stated that once verified they would send me a MTCN money transfer control number and I would be able to go in store with my ID showing my new address and pick up my refund. To date this has not occurred.

My case reference number with Western Union is XXXX. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. My telephone number is XXXX XXXX. The amount expected is about {$54.00}. I have called them repeatedly and I am frustrated. 

Please help me obtain my money. 

XXXX XXXX XXXX
Product: Debt collection

I entered into a consumer credit transaction with XXXX XXXX on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from Bridgecrest LLC or anyone else. However, on XX/XX/2020 I received a bill from Bridgecrest in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law 15 USC 1692f ( 1 ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; XXXX and Bridgecrest an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX at XXXX I called American Elite Recovery @ XXXX. I spoke with XXXX who started explaining to me what was going on with this account that I owed XXXX XXXX. She stated that they wanted to settle with me for {$300.00} but if the phone got disconnected that they would treat that as a refusal by me and they would have to move forward with Garnishing my wages. I advised that I wanted to set something up as well but that I would need more time to be able to look at my finances. She stated that she needed something right now. I advised that I could make a payment next week of {$10.00} to start off. At this point she stated that they didn't except any payments lower than the amount of {$50.00} and so that since I wanted just to pay {$10.00} she would need to start Garnishing my wages. I advised that she had not advised of the {$50.00} min payment prior to me advising of what I wanted to pay. She was getting very upset at this point. I advised at this time that since she threated me with Garnishing my wages that she could talk with my lawyer. At this point she lost it. Yelling at me saying " Why did you waste my time if you had a lawyer? ". I tried to explain that I didn't have a lawyer because I was trying to resolve this but since she threatened me that she could talk with my lawyer now. I attempted to give her my lawyers name and phone number. She would not let me talk and continued to yell at me and said something about my address and said that they would be garnishing my wages and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue for over a year now with XXXX. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to Experian which I was given by XXXX which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called Experian and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION
Product: Credit card or prepaid card

In XXXX of XXXX I decided to help my mother with an XXXX XXXX she needed done and did not have all funds so the Dentist office suggested she should have someone help finance the surgery through care credit, which we did. I got approved for XXXX which helped my mother a great deal and shortly started making payments on our card. One year after paying monthly, Care Credit took all the money we had paid toward the card and said we had forfeited the promotional purchase and now instead of owing XXXX I owe XXXX which I think is ridiculous, why was I not informed of this, why are they going around giving people credit without explaining this Very Important information with the customers. I need your help someone needs to stop these multimillion dollar companies rob the blind.
Product: Student loan

I would definitely consider myself someone who was aggressively rushed through financial aid and loan applications when I was in school. I had no idea the difference between federal and private loans, let alone the long-term impacts and overall costs ( especially not the compounding interest ) of my loans. Attempting to complete school while struggling with a previously undiagnosed XXXX XXXX  made it difficult to complete courses racking up more loans in my continued attempts. 

I have more than paid back what my original loan amounts were and tried numerous times to apply for XXXX discharge. Once in XXXX and again in XXXX. Both times the application was lost. I requested the application XXXX other times only for the application to never be received in the mail. 

When I have tried to follow up it's like my calls on the subject never happened. 

Throughout college, while navigating numerous XXXX XXXX XXXX  ( which have continued since ), in attempts to be able to pay for medical care I was also forced into more than one deferment and forbearance program without a full understanding of what that was let alone that I had other options at the time. 

I have been on income repayment but have still had to sell all my personal belongings to not be late on student loan payments. My student loan is 20 % of my total income .... if that doesn't include overpayments that were taken. No one juggling a life-threatening, XXXX XXXXXXXX should have to battle a lender like this when they're fighting to survive. I appreciate your consideration of my case and hope an investigation can help bring to light another grossly mismanaged loan arrangement.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974. 
Regarding XXXX XXXX, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX 2023, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to XXXX XXXX, in regards to concerns, I the consumer, had at that point in time. XXXX XXXX did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) XXXX XXXX can not furnish to my report without the written instructions of the consumer to whom it relates. 
Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. XXXX XXXX failed to do so. This action by XXXX XXXX is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.
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 submissions, Experian consistently responded within 24 hours stating the accounts were accurate without providing any evidence of a thorough investigation. The accounts I disputed are listed below : 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

Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and XXXX XXXXXXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was XXXX because of this! I'm XXXX financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my Experian, XXXX and XXXX credit reports asap!
Product: Credit reporting, credit repair services, 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 LVNV FUNDING LLC15 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: Money transfer, virtual currency, or money service

On XX/XX/2015 I filled a police report to report that several checks that was issued to me from Child Support were missing and they were cashed. I was told by the State of Florida Disbursement Unit that I could file a complaint with Wells Fargo Bank to investigate what happened to the checks because I did not received them and they were cashed by someone else. I filled a notorized complaint XX/XX/2015 and sent to Wells Fargo Bank the missing check numbers and amounts were furnished to me by the State of Florida Disbursement Unit. I sent the paperwork to Wells Fargo Treasury Management Fraud operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. I called Wells Fargo numerous times and I was told that I had to get a case number from the State of Florida Dispursement Unit. When I called them they didn't know what I was talking about. So far I have not got anywhere with these 2 agencies. I have the check numbers and amount that were cashed. I really cant understand why no one can help me. I am filing this complaint in hopes of getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was told by Equifax that XXXX is reporting to them a Bankruptcy shown on my public file, well XXXX told me they show no bankruptcy on my file, well on XX/XX/22 Equifax claim to have contacted XXXX on or around XX/XX/22 and that XXXX verified to Equifax this bankruptcy on my file on or around XX/XX/22.
Product: Credit card or prepaid card

In XX/XX/2016 I applied for a XXXX XXXX credit card online, in response to my application I got a message saying I would get a letter in the mail with their decision in 7 to 10 business days. I never heard from them and didnt think of it again. ( I moved to Indiana 3 weeks after application date ) I have recently been getting notices from a collection agency ( XXXX XXXX  ) saying the card is past due and has {$800.00} balance. I never got this card, I have been trying to work with midland and they told me I need to have an official report and other then that havent really helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account of XXXX XXXX XXXXXXXX on my reporting credit has violated my rights. 

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

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

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Product: Credit reporting or other personal consumer reports

The credit reports are report Inaccurate information regarding address linked to several Negative accounts. 
This address was never my address. XXXX XXXX  was my previous address until my current address. 
WrongAddress is as follows XXXXXXXX XXXX XXXX XXXX, Ky XXXX
Product: Student loan

Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX XXXX XXXX
Product: Debt collection

THE XXXX WAS NOTIFIED OF THE IDENTITY FRAUD. DOCUMENTATION WAS PROVIDED
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to remove these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022 dud a transaction through Zelle that never got completed by Zelle. A transaction for {$300.00} that got kept by Zelle and did not give it back to me. I did my part Zelle didnt do their part in the instructions. So Zelle kept my money cause I didnt do another refund for {$500.00}. So Zelle is a fraudulent website for money transfers. Zelle says they are safe and trustworthy nothing but a big XXXX lie to get more money out of you. I would like my money back. 
This is XXXX XXXX the one Zelle stole {$300.00} from.
Product: Debt collection

Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXt # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions