23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was in the market for another credit card because although I signed up for automatic payments with my XXXX XXXX XXXX, it did n't go into effect until the next billing cycle. Because of this I missed a payment and lost my 0 % APR for nine months and started getting charged interest. I talked to a banker and he said that I should try to find another card with 0 % interest to transfer the balance to. I found the capital one spark business card and was interested because it had a 0 % balance transfer fee. I was confused if the 0 % APR for 9 months applied to balance transfers so before applying for the card I chatted online with a representative. I asked them " does the 0 % APR apply to balance transfers? '' and they said yes. So I applied for the credit card. When the card came in the mail I made sure to download the app on my phone and I set up alerts so that I would make sure to not miss another payment. A few days after I finished the balance transfer I got an interest charge in late XXXX. I called them and asked what the issue was and they said that I missed a payment. I explained that the first alert I received said my payment was due on XXXX XXXX and that I never got a notice that told me to pay anything before that. The representative was very understanding and they waived the fee, during the same phone call I asked them, " is the reason why I got an interest charge because the 0 % APR does not apply to the balance transfer? '' And they said " no the 0 % APR does apply to the balance transfer. '' So I said " great so all I have to do is pay my minimum payment every month and I wo n't get any future interest charges for nine months ''? And the representative said " yes. '' So XXXX XXXX came along and my automatic payment went through but then on XXXX XXXX I got an interest charge for {$120.00} so I called them to ask about it. The representative told me that the 0 % APR does not apply to the balance transfer and that I have to pay a much larger amount on top of the minimum payment to avoid interest on future statements. I told him that this was completely opposite of what two representatives had told me prior, he said that a representative would listen to my past phone calls and read my chat messages and they would get back to me in 10 business days. So 10 business days rolled by and I did n't hear anything from them so I gave them a call. I explained again my situation and they said that after reviewing the case they had no record that I ever called them or chatted with anyone even though they claim to record all of their phone calls. I told him that I felt swindled and that I was going to pay off both of my credit cards I had with them immediately and cancel them as soon as possible because I did not want to work with them any longer. I 've been using credit cards for 10 years and this is the first time that I 've had any issues with a company. I would not recommend capital one to anyone I care about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDU, # XXXX XXXX XXXX # XXXX XXXX XXXX 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  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

I have hard inquiries and late payments posted on my credit report that should not be there and I have asked the companies to verify or remove the accounts and they refuse to remove the negligence that is on my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute against Convergent Outsourcing Inc. On XX/XX/202XXXX Convergent Outsourcing Inc. stated that the account information disputed meets the requirements of the FCRA XXXX Convergent Outsourcing Inc, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Convergent Outsourcing Inc is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Convergent Outsourcing Inc., is in violation of many other federal consumer laws. I did not give Convergent Outsourcing Inc permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Convergent Outsourcing Inc. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). By furnishing this debt to my consumer report to coerce payment is a violation of 15 U.S.C Sec. 1692d ( 4 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. Having this negative account on my report does not make my consumer report equitable to me which is also a violation pursuant to 15 U.S.C Sec. 1681b. If Convergent Outsourcing Inc. continues to report account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a, extortion and theft by deception. This is my final attempt to have this matter rectified before pursuing legal matters. If Convergent Outsourcing Inc. would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I have no intentions on pursuing any monetary amount.
Product: Bank account or service

Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??
Product: Debt collection

I have repeatedly disputed with lvnv funding about this account they keep emailing me about. They are harassing me about it and they are violating fair debt collection act by not giving me the information I requested in the allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions, You sent me a credit report stating the fraudulent account XXXX XXXX XXXX XXXX has been deleted but on XX/XX/2022 the account was reported again without my consent. therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft and the state attorney of Florida, the XXXX XXXX XXXX XXXX of Florida. ( all documents attached ) Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX This is a notice of default and opportunity to cure for Equifax as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to Equifax including affidavit of truth, Exhibits A ( Pointing out each violation ). in the case you default again, a lawsuit will be commenced against you.
Product: Credit reporting or other personal consumer reports

I am a confirmed victim of the Equifax data breach, which exposed my personal information and resulted in fraudulent activity on my credit report. I am requesting that the following account be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 XXXXXXXX Balance Owed : {$400.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally complain about a serious issue concerning my credit report. Two different collection accounts, namely XXXX  account # XXXX and XXXX  account # XXXX, are currently being reported on my credit file for the same original debt. This seems to be a clear case of double jeopardy, and I believe this is in direct violation of the FCRA. 

Specifically, section 611 of the FCRA provides that consumers have the right to dispute incomplete or inaccurate information on their credit reports, and consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The duplicate reporting of the same debt appears to contravene these guidelines, causing significant harm to my credit score and overall financial health. 

I have made efforts to contact both XXXX  and XXXX  to resolve this matter but have not received any satisfactory response or correction to date. The continued misreporting of these accounts not only distorts my true creditworthiness but also has potential legal repercussions given the violation of federal law. 

I kindly request the CFPB to intervene in this matter urgently. I expect a thorough investigation into these practices and that necessary corrective measures are put in place. Please also ensure that these duplicate entries are removed from my credit report as soon as possible to prevent further harm. 

I am attaching supporting documents to evidence my claims. I am willing to provide additional documentation or clarification if needed. 

Thank you for your attention to this serious matter. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
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. 

Account name : XXXX Account # XXXX Amount {$6300.00} Account name : XXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Report Fraudulent Inquiries Dear TRANSUNION I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX. XXXX XXXX - Banks and XXXX XXXX XXXXXXXX - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Jewelry, cameras, and computers- XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Banks and XXXX XXXX XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX  - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX - TransUnion ( multiple entri XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX XXXXXXXX - XX/XX/XXXX TransUnion XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX - TransUnion ( multiple entrI XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX XXXX  - Jewelry, cameras, and computers - XX/XX/XXXX - TransUnion I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, US BANK, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the federal credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. he consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violate federal law and my right as a consumer.
Product: Payday loan

I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. 
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurous to my score.
Product: Mortgage

SHELLPOINT MORTGAGE SVC XXXX This account should NOT be reporting any late payments as there was a " Forbearance Agreement '' placed from XX/XX/XXXX through XX/XX/XXXX. 

My credit report shows I was reported late in XX/XX/XXXX and XX/XX/XXXX. This is not correct. My payment for XXXX was made on XX/XX/XXXX and XXXX 's payment was made on XX/XX/XXXX. See proof of bank statements attached.