23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXX Balance Owed : {$410.00}.
Product: Checking or savings account

I opened the account with XXXX XXXX, where they told me that there is not monthly charges for the account with FREE checking. It was that way for a while. Then M & T bank acquired the XXXX XXXX. My account moved to M & T and they honored the term for years. 

I find a monthly fee ( {$2.00} ) for getting monthly paper statement suddenly. I have sufficient balance and bank is not paying interest for my account. There is no interest option with this bank. 

I asked them to waive my monthly fee or provide quarterly paper statement instead of monthly. They did not honer my request. 

They are asking me to signup for electronic delivery and forgo paper statement to waive the FEE. When I review this option, it is asking to me sign up to receive all bank communication electronically. I am not sure, it is a good idea. I need docs for records. 

I am not sure, shifting of making the statements to customer fair/helpful. 

I need your help to get my paper statements without any FEEs. 

Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. 

I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. 

I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, my American Express credit card information was used to withdraw cash from various ATMs across the city. At least XXXX transactions were attempted and XXXX were completed. My card was used to withdraw over {$2000.00} plus cash advance fees/interest. 

My card was in my possession the entire time so the card information, including PIN, were stolen ; I believe from a compromised XXXX XXXX ATM the day before the fradulent transactions took place. Since a PIN was used, AmEx doesn't recognize these withdrawals as fraud and I am now responsible for the $ XXXX that was stolen.
Product: Vehicle loan or lease

In XXXX  my vehicle was repossessed by Credit Acceptance. I fell on hard times which caused me to fall behind in my payments. Work slowed for me do to the pandemic. I am an XXXX driver which means that vehicle was my livelihood. Credit acceptance did not offer any deferred payments or any kind of payment plan. There is a lawsuit here in NY against Credit Acceptance for their practices and i would like to bd a part of it. They were calling me numerous times daily even after the repossession.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date Sep 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND XXXX 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Product: Credit reporting

Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1983 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I had a credit card with XXXX XXXX XXXX XXXX and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/2023 and the letter stated that I may receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in XXXX and it was now calling the XXXX  " XXXX XXXX XXXX  '' when it was a XXXX XXXX. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under XXXX not XXXX, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a XXXX letter on XX/XX/2023 with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by Midland Credit Management and now I am getting harassed by a collection company called XXXX XXXX, XXXX. XXXX has caused my XXXX XXXX to be damaged due to them reporting false information and selling that account to MCM and MCM selling it to XXXX XXXX. I have already spoken to MCM and XXXX  and XXXX continues to harass me and report late payments on my credit report.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union account in my spouse 's name went 30 days late due to an automatic bill pay error in XX/XX/XXXX, in XXXX I bought XXXX cars and realized my interest rate was higher than expected. It was well over XXXX for many years... never had any negative credit reported ever..now my credit went from XXXX to XXXX and cost me a great deal of additional interest expense. When i called them, they said I was an authorized user. so, I asked them to remove me... then they changed their mind and said I was a joint account owner. I have never had a card and never made a purchase with Navy Federal... asked them to confirm and they agreed I never had any activity. I asked them to provide the authorization to add me as an account owner in writing via certified mail. They are not able to provide me with anything at all. They last told me it was from XXXX and they don't have records that far back, but then how do they have that date? 
they simply said they were not going to do anything about it even though Federal Law seems to require that they provide proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in XXXX  and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my XXXX report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by XXXX to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In 2018, I had a car loan with Wells Fargo. It was a high interest rate and was told that i must buy gap insurance. 
I understand that there was a government law suit for this. I want to see if I have a settlement. 
My new phone # XXXX. 
New email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and damaging information appearing on my credit report, despite my attempts to resolve the matter directly with the credit bureau ( s ). Specifically, this complaint concerns : Late Payment Status on XXXX XXXX Account : Creditor Name : XXXX XXXX Account Number : XXXX Issue : Inaccurate reporting of a late payment status
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was scammed out of XXXX dollars I contacted the scammer asking for a refund or to send my money back and was blocked I then sent a complaint to cash app about the issue with proof and they still didnt want to help with the issue Im having a hard time right out Im out of work
Product: Credit card

Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed.
Product: Credit reporting or other personal consumer reports

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

XXXX  Account # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX # XXXX XXXX has violated my rights -XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 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, has violated my rights XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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.The list of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX Balance : {$1300.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4600.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$440.00} Company name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$550.00} Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX, XXXX Balance : {$1300.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$9500.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4300.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$1900.00} INQUIRIES Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX, XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Service Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX All these accounts have 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 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 items of information, other than records of convictions of crimes which antedates the report b more than seven years.

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

I noticed an improper error on my credit report. According to the FCRA it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Student loan

I have contact them on various times when I make extra payment it goes towards my intr. rather then my principal even though payment is already paid for that pay period. I also tr
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.