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

FTC REPORT ATTACHED XXXX XXXX fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX, XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, XXXX, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX {$690.00} NWIDE XXXX {$1100.00} XXXX  XXXX {$2300.00} XXXX {$790.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$780.00} XXXX  XXXX {$9300.00} XXXX  XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of Cease and Desist. Violating this code is a violation of the FDCPA. Transunion will be civilly liable under Title 15 US Code 1692. If Transunion fail to abide by my cease and desist order I the natural person and consumer has had my rights violated by Transunion. I will also be mailing the physical cease and desist as an exibit
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to inaccuracies on my credit report its reporting accounts as PAST DUE and I ask the the accounts be deleted. Under the FCRA ( fair credit reporting acts ) companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate accounts that are incorrect and inaccurate. Here are the creditor name & accounts : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, demanding payment of {$370.00} for a COVID-19 test conducted on XX/XX/year>. This bill is surprising and distressing because COVID-19 testing was mandated to be free under federal regulations at that time, and I had insurance coverage from XXXX XXXX XXXX that should have covered any associated costs. 

The original testing site, XXXX XXXX XXXX, did not inform me of any charges at the time of the test. Furthermore, they did not attempt to verify my insurance before sending the bill to XXXX XXXX XXXX, which then billed me directly. This unexpected bill appears deceptive and potentially fraudulent.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
Product: Debt collection

A very rude man from a company called Midland called me at work ( after he was told not to ) and wouldnt let me speak. I had to hang up on him.
Product: Checking or savings account

It all was done by XXXX I cab send you the recipe this XXXX pretend XXXX company caused me It just like they told me to buy gift cards and I'm XXXX I thought j hot a XXXX but XX/XX/XXXX they took over my babk account my stash account trying to with drawl XXXX on my stash. Etc I give you all the ecdince and I tried to get a joke if you guys. I just kbg know what to do I cab day it elite company I traced XXXX of those gift cards I had to buy
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Permanent Deletion of XXXX XXXX Account Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and validity of the following account that appears on my TransUnion credit report : Creditor : XXXX XXXX XXXX Account Balance : {$29000.00} Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I am requesting that this account be permanently removed from my credit file due to potential violations of my rights. Specifically, I am disputing this account based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This statute mandates that all information reported to consumer reporting agencies must be accurate, verifiable, and fairly reported. If the data furnisher can not provide legally sufficient validation, the account must be removed. 

2. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy of Consumer Financial Information ) This law restricts how financial institutions share consumer data. If my information was shared or reported without proper disclosure or my consent, this account may have been reported unlawfully.

3. 31 U.S.C. 5118 This statute addresses legal tender obligations, which may be relevant in verifying whether this debt has been settled or otherwise satisfied in compliance with federal monetary laws.

I am requesting that XXXX conduct a full investigation into this account and provide me with : Proof of the original contract with my signature Documentation verifying the amount owed and legal authority to collect Evidence that this account was reported in full compliance with all consumer protection laws If XXXX XXXX XXXX can not provide verifiable documentation within the required 30-day investigation period under the FCRA, I demand that TransUnion immediately delete this account from my credit file and provide me with written confirmation of its removal. 
If this matter is not resolved in accordance with federal law, I will not hesitate to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights. 

Please send me written confirmation of the results of your investigation at the address above. If you require additional information from me, please contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I've been a USAA FSB member for 36 years. My wife has been a member 8+ years. We share a checking account with separate debit cards. My wife attempted an over-the-counter transaction on XXXX XX/XX/year> and the transaction was denied. USAA would not tell her anything ; she was 'not on the account profile '. I called USAA and was told there was no problem with the account. Subsequently our checking and savings accounts were locked and remained locked approximately 36 hours. We made numerous calls to USAA customer service and were eventually told there was one attempted fraudulent transaction in another state. We were not notified of this transaction as had been the case in the past. We also found out that USAA had blocked my debit card, without notice and without reason. The Customer Service reps do not seem to be able to do anything except read their script. I received an email from a 'Customer Advocate ' two days ago ( ten days after the accounts were blocked ) telling me that she would be in touch 'shortly ' ; I have still not been contacted by this person, nor has anyone returned any of the four voice mails I made attempting to contact her. To date ( 12 days after our cards were blocked ) we have not received replacement debit cards, which has created a significant hardship for us.
Product: Credit card

XXXX XXXX I was denied for a credit card for no real reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I COMPLAINED THAT I COULD NOT GET MY CONSUMER CREDIT REPORT. 

THE RESPONSE WAS " WE RECEIVED A COMPLAINT THAT YOUR CREDIT REPORT CONTAINED INNACURATE INFORMATION '' I DID NOT SUBMIT SUCH A COMPLAINT. 

" WE RESEARCHED THE CREDIT REPORT, AND IT WAS ACCURATE '' THE CFPB CLOSED THE COMPLAINT INDICATING THAT IT WAS RESOLVED. 

THIS GOVERNMENT AGENCY IS A XXXX AND SHOULD BE DEFUNDED AND CLOSED.
Product: Credit card

I spoke with XXXX at XXXX Capital City Bank On my XX/XX/XXXX statement, I noticed that the Interested charges was {$100.00}. 
Every month I have {$200.00} deducted on a {$6500.00} balance. 
The statement says the minimum payment due is {$160.00}. 
XXXX XXXX states that my payments are only paying the interest and only a few dollars are paying the principal. 

I informed her, a few months ago I inquired about the interest rate asking for a deduction so I can pay this thing off. She told me the original interest rate was XXXX % and now it was at XXXX  % I told her then ; the interest should have gone done but instead it has increased. 
She stated that I need to pay more every month to see the difference in the interest being applied. I told her this does not make any sense, and I know, she knows this is not correct, let along right. This is the only remedy she gives me for this solution. 

I have been a loyal customer since XXXX, never missed a payment and never been late and never asked for an increase.
Product: Debt collection

I have an unverified account from MNET FINANCIAL INC. I had previously disputed this account. I have never done business with MNET FINANCIAL INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MNET FINANCIAL INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MNET FINANCIAL INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Mortgage Acct # XXXX 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
Product: Credit reporting or other personal consumer reports

Over a year ago, I began to XXXX with the Action Opportunity Fund, a XXXX lender, which stated that it was based in XXXX XXXX, CA and XXXX XXXX, CA, XXXX. However, after receiving the loan from the XXXX XXXX I discovered that the office that I working with was actually in XXXX, XXXX and was funded by the XXXX XXXX XXXX ( XXXX ) and the offices in XXXX XXXX and XXXX XXXX, CA are Ghost offices with no one present in them. I immediately reported this incident to the Federal Trade Commission ( FTC ) and XXXX under the Federal proviso, See Something, Say Something. To wit, since the XXXX Opportunity Fund misrepresented themselves as an XXXX organization. I am under no legal obligation to work with them.
Product: Payday loan, title loan, or personal loan

For our business, my wife XXXX and I opened a line of credit with BBVA and have accumulated {$69000.00} in principal. The bank has sent notice stating the following, ... your loan will mature on the date noted below. For your convenience you may mail your final payment to BBVA USA address above. The amount due is {$71000.00} which we can not possibly afford to pay. When my wife discussed the issue at the branch, she was told she would need to re-apply for a new line of credit at a higher interest rate ( current is an outrageous 9 % ). Further, when she mentioned that she was never told about this loan maturity issue, the branch agent feigned surprise. If this is not predatory lending, I dont know what is. Please help.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts on my credit report that I am not aware I tried calling and disputing information online but its still on my credit reports
Product: Mortgage

I was referred to XXXX XXXX with Roseth Mortgage by a previous client of his, whom later fired him. After beginning a business relationship with XXXX, it was apparent that he was disorganized and incompetent. My primary complaint is as follows : leading up to the closing of my home, I was told multiple times by XXXX that I would not need to bring any cash to closing. However on XX/XX/2023, the morning of the closing, I was told around XXXX that I needed {$6700.00} in cash to close the sale, my closing appointment with the title company was scheduled for XXXX. After telling XXXX that there was no way I could come up with that amount of cash in the matter of a few hours, XXXX informed me that he could deduct his financial compensation from the closing. This changed my cash needed to close to {$1900.00}, which I paid with a cashiers check. XXXX asked me if we could make an arrangement, in which I would pay him {$2500.00} privately after closing " so that he didn't work for free ''. He states that " this also helps him out because he doesn't pay taxes on it ''. On XX/XX/2023, as requested per XXXX, I sent a payment in the amount of {$500.00} via the XXXX app to his wife 's account under the name XXXX XXXX. On XX/XX/2023 XXXX requested another payment, I informed him that I would not be financially able to send him another payment. On XX/XX/2023 he again requested another payment, to which I did not respond because I was unavailable at that time. On XX/XX/2023 at XXXX, he sent me another text message explaining that he needed an explanation regarding the payment so that he could inform his wife. His wife then proceeded to find my private XXXX page and messaged me at XXXX to harass me about my lack or response to her husband, to which I did not respond. She then messaged me again that day at XXXX to further harass me about sending them money. At this point I felt uncomfortable and contacted XXXX 's boss, XXXX XXXX. XXXX advised me not to send any additional payments to XXXX and that he would personally handle the issue going forward. XXXX said he was going to further look into the matter internally. I've since asked XXXX how he was handling the issue and if there was something that could be done in regards to the {$500.00} that I had already sent to XXXX, but XXXX has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
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 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Federal Student Loan ( Department of Education ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 items 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 accurate.
Product: Consumer Loan

On XXXX XXXX, 2016 I went to KIA of XXXX, Al. to see if I would qualify for a 0.0 % interest deal KIA Motor Finance was offering. I told the sales associate ( XXXX XXXX ) that I did n't want them to run my credit at that time because I wanted to check with my credit union first. I told him I had been to a different dealership at the beginning of the year and was shocked to be notified by my credit monitoring service of a half a dozen hard hits on my credit report. I did n't want that to happen again. He assured me they would not " shop around '' my loan. I went back to the KIA dealer the next day and told the sales associate again, and the sales manager ( XXXX XXXX ), that I was only interested in finding out if I would qualify for the 0 % offer through KIA Motor Finance ( KMF ) and that, if I did not, I did NOT want to pursue any other offers. I told them why. I told them several times : " Only KMF '' and was assured by both of them that they would not shop it around. I was clear and unambiguous. I made sure that there was no misunderstanding. They lied to me. I got approximately XXXX hard hits on my credit reports from the various credit reporting agencies as a result of KIA of XXXX ( and/or KMF ) completely disregarding my wishes and instructions. I talked to the dealer and they said call KMF. KMF said talk to the dealer. I contacted one of the credit reporting agencies to see if all but the inquiry from KMF could be removed. I would have to have a staff of people to jump through all the hoops they said I would have to in order for that to happen.
Product: Vehicle loan or lease

I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my first home in XXXX of XXXX. XXXX weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ).

I contacted fairway and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given.

I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, XXXX XXXX XXXX XXXX  took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at XXXX XXXX XXXX and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic. 
I would really appreciate it if XXXX XXXX XXXX mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).
Product: Credit card or prepaid card

On XX/XX/XXXX by phone I tried to redeem points to pay {$1000.00} on my Am Ex account. I gave them my credit card no. and 4-digit security code on front of card -- the agent wanted a 3-digit code from the back ; not there. 
He refused my points. I asked if he'd check my b/d, soc. sec. no., mom 's maiden name, my high school, college and XXXX   school dates of grad. He said they have no means of i.d . and refused to accept my points and would not check upon my i.d . Perhaps you can help me. 
Am Ex accepted my points a few years ago when I flew to Europe. They never asked for a second security code no. on the back of the card. my phone XXXX Md XXXX since XXXX -- still active. I'll supply any info you request. Many thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Consumer Loan

I took out a loan with Loan Me.Com. at the time I took out the loan the payments were set for 4 years at {$350.00} per month automatic deduction from my bank account. When I called them to find out the payoff balance, the amount I was told was greater than the amount I originally borrowed. I have been paying on this loan for a year and have paid a total of {$3800.00}. They told me the payoff would be XXXX the interest rate is 135 %. I am wondering if companies can do this legally and what options do I have.