23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX Account Number : XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not adequately protect my critically personal information and did not have security measures in place to prevent a privacy breach. My social security number and other identifying information that can be used to steal my identity has been released to public domain.
Product: Credit card or prepaid card

" Care Credit '' is a credit service offered to mostly low income people. It can be applied for veterinarian services as well which is very helpful. 

Last year, my neighbor 's dog attacked and almost killed my little dog. They did not offer to help me with the bill. It was over a XXXX dollars. I did not have the money so the vet suggested Care Credit XXXX Synchrony Bank ). I was approved but with an enormous interest rate of 26.5 % percent. This is predatory. This is Synchrony Bank forcing extremely high interest rates on low income people in need. Per pretty good credit since, I requested Synchrony Bank reevaluate and consider lowering my exorbitant and predatory interest rate. They just responded that they refuse to do this. 

" Care Credit '' is a misnomer and people need to stop referring low income people to this credit service. They in fact prey on low income people and their interest rates are predatory. They have also charged me at least {$29.00} in fees! I can't get an explanation why. I am asking CFPB to help me in negotiating a lower interest rate and get an explanation why the fees?. I can say my goal is to pay it off as soon as I can and close the predatory account and never use this credit service again. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
The XXXX XXXX XXXX XXXXXXXX # XXXX 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 an 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.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP ME?
Product: Credit card or prepaid card

My Citi-bank card was used without my authorization. I contacted Citi-bank after not receiving my bill and they connected me to the fraud department. Beginning on XX/XX/2021 they reported numerous charges or attempted charges through XX/XX/2021. The person 's name that used my card is listed as XXXX XXXX. I have reported this to XXXX. 
The person that used my card changed my address, phone number and email address. I don't understand how this was done without my permission, I used this card at XXXX XXXX group and they reported that they were hacked and patient 's information was exposed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan has been paid off and they deleted negative information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX listed my account as late on my consumer credit profile on the following dates : Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 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

I attempted to obtain a " free '' credit report from TransUnion 's site. Multiple orange-colored buttons are present on the site. I clicked XXXX that - unbeknownst to me - brought me to https : XXXX? XXXX & XXXX % XXXXXXXX XXXX XXXX After filling in the information and providing a credit card number I carefully read the legend on the bottom of the screen looking for a dollar amount - not finding any fee or dollar amount charge I clicked through - only to be signed up for a {$24.00} / month credit monitoring service. I called and requested a refund, which they claim they are " processing '' I apparently clicked the wrong orange button. Highly misleading website. No disclosure of the charge that was incurred.
Product: Credit card or prepaid card

I have had a XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX  since XX/XX/XXXX in which it payed 1 % cash back or 3 % on a new XXXX XXXX. I had {$960.00} cash awardes earned I got a letter stating they had sold out to XXXX XXXX awards. On XX/XX/XXXX I called XXXX XXXX and asked them to send me my cash reward money. I was told a I had to have claimed my rewards before XX/XX/XXXX but I would not lose my reward money. They said I could charge it on my new Marcus card as a credit. I contacted Marcus about activating my new card and redeeming my {$960.00} I was told I no longer had a XXXX credit toward a new car and the {$960.00} was all I could use toward XXXXXXXX XXXX and could only use {$250.00}. per year. I am being held hostage by these two companys and want my {$960.00} sent to me. To my knowledge I was never notified that this would happen with my rewards.
Product: Credit card

NJ Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I have checked the answers submitted to my complaints by Synchrony. I can not decide which address should be used as an actual and active address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This answer explained that the amount of {$220.00} was mailed to me by check but cashed on in the style of cancelled check with my signature as follows : This amount [ {$220.00} ] was mailed to you via check on XX/XX/2024, we show it was cashed on XX/XX/2024, with [ my ] signature on the cancelled check. 
Honestly, I have never cashed on the check, especially a cancelled check, which signifies there is some aspect of scam, especially it was refused at some bank ( XXXX ). I have never received a check from Synchrony from above mentioned address ( XXXX ). Maybe, since some employee ( XXXX ) of USPS expressed the attitudes and feelings of harassment by refusing to send my mails to some addresses and delivering from some addresses, maybe, the check was taken by XXXX or several of them and checked on them after the check was refused at some bank ( XXXX ). 
Regarding the gift certificates, since I do not have any relationship with the credit card offered by a XXXX XXXX XXXX, which does not have any registered and fixed office at anywhere in the world because of the possibilities of irresponsibility, your side do not have to mention any more about these reward certificates. Your company just prints out the paper reward certificates to give away the non-existing money to exchange them to the products for the satisfaction of your customers if still exist. 
Sincerely, ( CFPB XXXX and other XXXX cases. )
Product: Mortgage

My husband and I refinanced with NewRez in XX/XX/XXXX. NewRez held our previous mortgage which began in XX/XX/XXXX. At that time, we were given an estimated new monthly payment of {$3200.00}. We understood that this amount could change slightly as it was an estimate and it certainly would be impacted by any significant changes in our taxes. The taxes on this property have not changed significantly in over 10 years and remain steady at present. 

It has recently come to our attention that NewRez was grossly negligent in estimating our new escrow payment at closing in XX/XX/XXXX. We were estimated a monthly escrow payment of {$840.00}, which we have paid. This failure has created an almost {$3000.00} deficit in our escrow that was only flagged and acted on due to the annual escrow summary. NewRez failed to catch this error during the refinancing process, during closing in XX/XX/XXXX, and every month until XX/XX/XXXX. As such, we as consumers had no ability to adjust our finances in real time to account for NewRez 's error. Instead, NewRez allowed the error to stand and now wants us as the consumer to bear the burden of a grossly inflated monthly mortgage payment of {$4500.00}. Additionally, NewRez wants us to bear the burden of making up the {$8200.00} deficit created by their own negligent estimate. This means we would be absorbing an additional {$680.00} per month on top of the corrected escrow amount of an additional {$580.00}, for a total of {$1200.00} more per month than we were previously estimated and paying. To summarize, our payments were estimated to be and have been {$3200.00}. The new monthly payment is expected to be {$4500.00}. 

Our monthly estimate at closing was {$3200.00}. We should have been estimated {$3800.00}. This 20 % increase is beyond what a reasonable person would expect an estimate to shift. There is no other way to define this practice other than to call it predatory lending. Had we received the correct estimate, we may have opted not to refinance or may have gone with another lender. NewRez knowingly took away our ability to make a sound financial decision. And since their estimate was grossly deflated, our monthly payment is now estimated at {$4500.00}. 

I reached out to NewRez by phone on XX/XX/XXXX to file a complaint. I was told by a supervisor, XXXX, that our conversation would constitute a complaint. When I didn't receive any contact after 2 weeks, I called again on XX/XX/XXXX. At this time I was told that the complain was submitted but NewRez protocol is that a response is not provided. I was also informed that the complaint would not be followed up on until I write a complaint and then I would get a response in 5 to 7 days. I submitted the complaint on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that my new monthly payment would be {$3900.00}. There was no explanation in the letter as to how or why this payment was calculated but it remains {$130.00} more than what our mortgage payment should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, XXXX, and Equifax upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 )  days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I leased a vehicle XXXX  years ago from Volkswagen Credit Company. In XXXX of 2023 the vehicle that I leased, was purchased by a different Autodealer. The loan was paid in full by the dealer to the leinholder, Volkswagen Credit. 

I was sent a letter from Volkswagen credit that the full debt was paid off. My complaint is that Volkswagen Credit is now sending me a bill in the mail, Nine months later, claiming that I now owe them {$300.00}.. 

They have already been paid in full and with interest. I do not owe them a debt, and I want the matter cleared up.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureau several time to solve this problem. I have been contacted by XXXX XXXX XXXX XXXX XXXX about a debt that is in collection. I have disputed this item. I was contacted by another agency stated that they have this item in collection. I am not sure how two collection company for an item that I have no knowledge of can be inserted on my credit report. TransUnion claimed that they verified the item which is untrue.
Product: Debt collection

A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. Also, the information you provided on the accounts has doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, TransUnion, has violated my rights by reporting the following on my report : DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX contacting you because of an issue with these credit reporting agencies. I contacted the companies on XX/XX/21 and also on XX/XX/21. I've been trying to fix these false issues and i'm being completely ignored. Nobody is trying to help me out and i keep getting either ignored or told to talk to someone else, but nobody is helping me address the issue. These issues are damaging my credit, hurting my reputation and causing me a lot of stress. Please help me get these accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

I found that I have been a victim of iIdentity breach. My social and account info was being sold on the dark web. They attempted many times to get a credit card from ; XXXX XXXX XXXX on these dates. they tried 3 times. 

XXXX XXXX XXXX I have asked both the XXXX XXXX XXXX  and the reporting agencies. I am complaining about Transunion they wont delete them from my credit report. they said to complain to Consumer Finance. The othe credit reporting agencies have deleted the fraudulent hard `inquiries Please remove these items from my credit. 

I am requesting that this item be fully investigated under your statutory obligation as outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate disputed items and remove any inaccuracies. Delete Now. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2020, My credit scores dropped off XXXX point by EXPERIAN without any known reason. 
My scores went down from XXXX to XXXX. I dont remember i do any thing wrong. My history is 100 % percent. 
I pay on time and my debt % is less than 4 %. I just remember that i did one dispute for some companies to remove from inquiries and this is not the first time i do dispute. 
I dont know whats the reason that makes EXPERIAN drop my scores by XXXX points?
Product: Credit reporting or other personal consumer reports

This account is currently reporting as a charge-off. Im requesting a XXXX for this consumer credit transaction.
Product: Credit reporting or other personal consumer reports

I have been trying to receive my credit report and score from Equifax, however, still years after trying to get the problem fixed, I still can't access my credit report or credit score via Equifax.
Product: Checking or savings account

US bank let others open up new checking and saving accounts under my name without my authorization/identity check. 

US bank let others deposit the money set to me without my endorsement. 

US bank doesn't allow me to get the money back. They just hold the money without sharing any instruction how to get the money back.