23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wise US Inc. account is being used to defraud possible renters in XXXX, Oregon. The account the scammer is wanting people to use is : Routing number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Type : Checking Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States This person is claiming to be XXXX XXXX and is attempting to get people to wire money as a security deposit.
Product: Credit card

I would Like to file a complaint on Discover card my son had opened up a credit card in my name Once I found out that a card was open up in my name filed a police report with my local police I did n't send the copy of the report to Discover due to the fact that I went ahead and Paid the card Office. Now Discover card is refusing to removed the Negative information from each of my credit File after sending them a copy of my police report. per the FDCPA / FCRA Consumer protection I feel that Discover card is in full violation of the federal Law I will be hiring XXXX Law Firm for Legal action if this matter is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Im writing in to complain about TransUnion LLC. 

Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) TransUnion LLC is in violation of Title 15 U.S.C Section 609 ( a ) ( 1 ) ( A ) FCRPA Title 15 U.S.C. Section 1681 and FCRA section 611 as evidenced by the follow exhibits attached. ( See attachments ) Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX Inquiries in Dispute : XXXX XXXX US SM BUS ADMIN XXXX  TransUnion refuses to provide verifiable and validated proof as required by law and therefore must delete a charge off from XXXX XXXX XXXX  Account # XXXX. An erroneous collection account from XXXX XXXX XXXX Account # XXXX and Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have provided superior evidence that no debt exists backed by the Secretary of State of California UCC11. I have attached a copy directly from the Secretary of State of California. 

TransUnion blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response. Please see to it that the consumers rights are protected.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA has clearly violated several federal laws that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of your willful noncompliance and negligence of federal law. I wrote MOHELA in regard to the account that was an authorization and approval of a specific extension of credit directly to my XXXX XXXX. 
According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. 
MOHELA has reported this account to my consumer report which is a clear violation of the law. 

I did not give MOHELA permission to report, NO PERMISSIBLE PURPOSE, MOHELA did not disclose to me that I can opt out of having my information reported, and I have written them to EXERCISE THAT RIGHT, but with no response. 

The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act states that 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

MOHELA did not disclose this information to me that is required by federal law. 
MOHELA knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
MOHELA knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

I have shown and given MOHELA notice that they are in violation of FTC law by failure to disclose my opt out nondisclosures and FCRA law by furnishing inaccurate information on my consumer report, as well as for no permissible purpose. MOHELA needs to delete the student loan account on my consumer report immediately. I have filed complaints with the Attorney General of North Carolina, the Attorney General of Missouri, the XXXX XXXX XXXX, the CFPB, and OCC. 

In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate information is causing me and my family severe harm due to MOHELAs negative reporting on my consumer report. Please help me DELETE the erroneous, inaccurate illegal account on my Consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second XXXX  dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, TransUnion, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Checking or savings account

XXXX XXXX or XXXXXXXX XXXX got into my account and submitted the disputes on my account in total of XXXX company called me and told me they put funds into my account and wanted me to buy bitcoin with that money so they would give me XXXX in a personal loan for doing this for them. Also they said state of Florida seized my loan and wasn't able to get loan. I went to bank and they said I was responsible for the XXXX. I don't know how I am since loan company did the hacking
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Acount Number : XXXX TransUnion / XXXX XXXX XXXX XXXX XXXX Acount Number : XXXX TransUnion XXXX XXXX Acount Number : XXXX TransUnion / XXXX / XXXX
Product: Student loan

I was accepted into the PSLF program, had my loans transfered to FedLoan Servicing, and was eventually told that the last 10 years of payments I made while working for a qualified organization would n't count. I was told my repayment plan ( Extended ) was n't one of the ones on the list. That makes no sense! The program was described as being income contingent when I signed up for it but according to PSLF ( as administered by FedLoan ) the repayment plan did n't count. Someone needs to explain to me how the Extended plan is n't income contingent. The purpose of the plan is to ease the strain on borrowers ' finances ( versus Standard repayment ). At no time in the last 10 years of my repayment did anyone tell me not to proceed with my application or promote PSLF options that would have benefited me. I want my loans forgiven. I did my part and made 10 years of payments while working for a qualifying organization while under a repayment plan that was based on my income at the time of payment enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Madam, There are open credit lines in a credit report with XXXX  which i don't know where they came from.I have never had credit lines with any company whatsoever no matter what.They are all medical bills credit lines ( debt collections ) .I have never visited any hospital or clinic without insurance.I wrote to XXXX, disputed the credit lines ( debt collections ) but i still see the credit lines in a credit report in my online XXXX account.I left XXXX my statement but i still see them online. 
Your consign will be highly appreciated. 
Sincerely, XXXX XXXX XXXX.
Product: Mortgage

I received a letter from Chase Bank stating that an individual named XXXX XXXX is attempting to take out a {$200000.00} loan using my property as collateral. The letter also mentioned that he is working with a XXXX representative named XXXX XXXX XXXX. 

This raised immediate concerns as my mortgage is not through XXXX. Upon further investigation, I discovered that XXXX XXXX has no connection to my propertyhe has never lived there, his name is not on the deed or the trust, and he has no legal claim to it. 

This appears to be a fraudulent attempt to secure a loan on my property, and I would like to formally report this issue for investigation and resolution!
Product: Checking or savings account

Numerous Times My Card Was Used And It Wasn't By Me Reported The Issue Multiple Times Could Never Get The Situation Resolved Nor Handled So I Jus Stop Using My Card In Got A Different Card Carrier
Product: Payday loan, title loan, or personal loan

I went into Bank of Hawaii and ask for a personal loan to build credit. I felt uncomfortable because they was stereotyping me because of my ethnicity. I asked for {$1500.00}. I had my direct deposit going into the account, so they knew I was a substantial amount of money to pay the loan back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXX. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law XXXX has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving XXXX 7 days to remove all inquiries from my credit report or I will file a lawsuit against XXXX. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting incorrect information on my consumer report as of XXXX XXXX XXXX  Credit Card is reporting 121 % utilization when that is inaccurate information and false information. As a reporting agency it is your responsibility to report on behalf of a consumers consumer report that shows information to be true and accurate. 

The card is current and in good standing as of XXXX I called XXXX XXXX on XXXX XXXX XXXX to verify if the account was over utilization. In fact it was not. Please update my consumer report to reflect good standing with this account immediately. 

I also filed a dispute with TransUnion via XXXX XXXX to get this information reported accurately and correctly.
Product: Debt collection

I entered into installment agreement with Atlas Credit Co. Inc. last XX/XX/2018 with the loan of {$500.00}, with the high yield steep interest rate of 99.85 % that was beyond of the usurys states and national consented annual percentage rate. I sent a written letter to Atlas Credit Co. Inc. to their XXXX , Texas as well to their corporate office in XXXX , Texas , in order to notify them about the future blank checks they asked that was not in their policy to the contract I signed. Atlas Credit Co. Inc. have collected advance blank checks from me for my monthly payment. The checks I signed and gave them were to be cashed only after their agent having called me.

Advanced checks I have given to Atlas Credit Co. Inc. were compromised and my bank, XXXX have to close my account at the time checks I have given them were blanks and without dates that I never authorize them to write dates. It is seriously flawed and causes substantial harm for me due I am now facing criminal charges in that they wrote dates on my blank checks without my approval. 
After the attempts of notifying them through certified mail return receipt no. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in my attempts to communicate in assisting me restructure my installment loan were in vain by Atlas Credit Co Incs representatives before the scheduled withdrawal date.

After Atlas Credit Co. Inc. uncooperatively responding in solving my willingness to repay instead they have submitted to the Hot Check Division. The consequences of their acts were invasive in lieu of resolving these issues with me personally, as consequences of After Atlas Credit Co. Incs false pretenses of the real story.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment for XXXX was sent to Capital One Credit card in error, should have been the balance of XXXX. While I understand they need to pend for clearing for 7 days on XX/XX/XXXX, I requested a Refund be sent however since Ive called 3 times and emailed the CEO and have had NO success I was told I needed to wait another 15 days which is wrong why do I need to wait a month to get money refunded for overpayment? In the meantime my normal auto drafts hitting this card is pulling my money from the MISTAKEN overpayment when Id otherwise have time to repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

Walmart Master Card Interest Rate : I called Walmart MC XX/XX/2018 about my interest rate amount {$63.00} on my statement that was very high its was 24 % ... I asks if it could be lower being I'm was paying {$140.00} to try to paid it off due to a car repairs - the representative said in so many words no that is what I signed up for. ( what I'm guilty of is not doing my homework on XXXX XXXX XXXX before I put those car expense on it, but at the time my XXXX XXXX Credit Card that I use for car repairs was no longer allow to be use at the XXXX XXXX XXXX because they had been informed that the bank on that card was under investigation for fraud, I don't know if that's true, just need my car back. So, I put the charge on the XXXX XXXX. The first month XX/XX/2018 I paid XXXX. I didn't check the interest rate then, but I did noticed it in XX/XX/2018, which is why I called them. I didn't make a stink when the representative say no, all I said I'll have to do some changes and thank her for her time. Now, I applied for a credit card that had zero APR for 14 months, cool I said to myself I can get that paid off in that time frame. In the middle of the transfer to the new card- I noticed that I wasn't going to have it complete before the due date of the next payment to Walmart MC . I said I eat the XXXX interest in XX/XX/2018 and told myself to check those interest rate more closely. But to my surprise Walmart MC interest rate went up to 24.40 % making the Interest charge now XXXX wow what is going on? I didn't call them just to let you know, I didn't think the would doing anything anyway ... I've started to read online all the complains online from consumers, if half of what I read is true, someone should do something about this and hints me writing this, I really don't think this will amount to anything but at least I got this on paper what happened to me. I hope that someone will read this and not apply for a Walmart MC. I've had learned a hard lesson. I do have my XX/XX/2018 statement but do not have the means to scan it in. I'm sure Walmart MC has all the documentation. I could go online and download the statements from there web site, but lets see what Walmart MC has to say ...?
Product: Debt collection

National credit systems threatened me with legal action, placing eviction on my credit report, repeatedly call my cell phone without my consent, misrepresentation, have not shown documentation etc. have effected my personal life and finances misrepresenting false claims on my credit profile.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX FIN # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 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.
Product: Credit reporting or other personal consumer reports

Im not liable with this debt with XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information regarding Equifax 's investigation. A complaint was made on XXXX regarding late payments on my credit report and they replied on XXXX saying they are still investigating. Today is XXXX and i still have not received any result to the investigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 1 ) ( B ), they have up to 45 days to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and it is well pass 45 days. They are in violation. I have attached a complete paper trail of my communication with Equifax. Awaiting your advice on this matter, please.