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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XX/XX/XXXX # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I went to Tittle MAX store XXXX XXXX XXXX XXXX XXXX Tx. I initially request a loan for XXXX dollars. She said approve for XXXX not once did she tell me the APR was XXXX percent screen turn she did a quick run through paper work sign disclosure ... I'm XXXX retired military with XXXX and other mental illness. XXXX XXXX  gone bad. Today I went to visit XXXX  same person did the loan explain it clearly now that I already sign the paper work. I think that was all in the plan get customer through paper work and tell them how easy it is to receive funds directly to your account. This should be illegal for Tittle loan company to take advantage of consumer this way. I paid XXXX and my loan balance is still XXXX, XXXX monthly finance charge XXXX XXXX. Is it Legal in the state of Texas to charge XXXX percent on Vehicle Tittle loan. I ask the Tittle Max is there anyway that can lower the APR I just want to get the loan paid off and be done with it..just don't have XXXX on hand right now and paying XXXX going only to interest should be illegal in all state. Please to advise. There needs to be a Law to Protect consumers from predatory loan Sharks like Tittle Max.
Product: Credit card or prepaid card

Pursuant to complaint number XXXX Citibank provided copies of statements that they had stopped delivering. The statements show that the card remained enrolled in the automatic payment program wherein the minimum payment should have been made each month. Citibank, for some reason stopped this in XXXX and that is in part how the account went delinquent. The other problem is that Citibank allowed and posted unauthorized charges in the amount of {$240.00} ( see below ) and charged three late fees ( which are because they stopped the automatic payment ) of {$27.00} on XX/XX/XXXX, {$38.00} on XX/XX/XXXX and {$38.00} on XX/XX/XXXX. The unauthorized charges ( which made the account go over limit ) are : XXXX on XXXX for {$21.00} XXXX XXXX XXXX on XX/XX/XXXX for {$19.00} XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  {$45.00} XXXX on XX/XX/XXXX for {$24.00} XXXX XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$9.00} XXXX  XXXX on XX/XX/XXXX for {$28.00} XXXX  Between the unauthorized charges of {$240.00} that sent the card over limit and the {$100.00} in late charges the total disputed amount is {$340.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). You have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. You have illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and XXXX. I did not grant any company permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : 1 Cease and desist reporting of the account name filings to all consumer reporting agencies. 2 Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

No actions were taken on any accounts I just need reimbursed for all the money I never received on my accounts because of the hold on my credit account amounts that I could have got off it wasn't for the credit companies having the wrong information on my reports that aren't cleaned up yet so my credit score can get approved for me to have credit
Product: Checking or savings account

Ive experienced multiple amounts of money being taken out my account which has converted in me being in Overdraft multiple times with the XXXX  account this time comes over every month once I get paid, my payments do not comes out on time and suddenly, im in the negative.
Product: Credit card

old phone was sold and i accidently didnt clear it. alot of charges were made on here to some off XXXX XXXX site. ive been fighting with them about it for a year and they keep putting the charges back on sometimes as long as XXXX  months later.
Product: Payday loan

I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX
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 / ADDRESS | DATE / ACC. NUMBER XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/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 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: Student loan

I am writing to you because I just discovered that a large payment I made was severely misapplied and, because of that, I have been charged interest that I shouldnt owe and a loan that should have been paid off is still accruing interest and has barely budged at all! 

In XXXX of this year XXXX XXXX XXXX, I called and got the payoff amount for this loan and the specific account number. I then made a balance transfer to a credit card which charges me XXXX interest for XXXX months because I knew that, in that time, with no additional interest accruing, I could totally pay off this loan. The payoff amount was XXXX and thats the amount I transferred elsewhere, which should have brought that loan balance to XXXX 

Today I was considering paying off the other XXXX loans with a consolidation through another company and so I came in to my account to get the payoff amounts and the interest rate. Thats when I saw that Navient says I still owe XXXX on that loan! Thats just a XXXX  difference since XXXX, which is irrelevant actually because it should be PAID OFF. The amount I paid off was applied broadly across ALL three of my loans, not applied to that XXXX loan as it should have been. I am VERY upset about this! Not only did the loan not get paid off, but I have also been paying it off monthly elsewhere AND I have continued to accrue interest on this loan. This is an EGREGIOUS and SERIOUS mistake which MUST be rectified. I called and got the payoff amount ; I had the payment sent to the correct account number, because I got that information when I called. 

This mistake has cost me DEARLY and it needs to be rectified, PLEASE. This loan should have been paid off and instead Im paying for it XXXX, at a rate of XXXX  per day! I need this rectified. This hasnt helped my situation at all. I stupidly assumed the payment would be processed correctly, which is why I didnt check. And I thought that my monthly XXXX was now being applied to only the other XXXX loans. Ive gotten absolutely NOWHERE when I thought I had paid off at least that smaller loan. This is terrible and horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my current information. I have sent in all documents numerous of times, It was me, that has disputed the information on my credit report. I have attached the same letter that I mailed into Equifax with all my current information. 

My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$750.00} Open Date XX/XX/XXXX XXXX Balance {$2600.00} Open Date XX/XX/XXXX XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX  Balance {$2300.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$750.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX 2023
Product: Credit card or prepaid card

I requested a copy of the card member agreement for my account close to a month ago and I still have not received it despite asking for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit today they was Hard Pull on my credit XXXX XXXX XXXX XXXX, i called XXXX they had nothing in the system showing that i filled out for any credit and i no i didn't but i wanted to see who is behind it they said they nothing we can we can but you call this other number and i did, it was XXXX credit they had nothing in their system so i called the number under the credit report same people. they said no we didn't pull your credit we don't pull people 's credit i ask could you call the Trans Union they said no we don't pull people credit, worthless. but i was not rude i said thank you and hung up. XXXX XXXX XXXX XXXX Type of Industry : Bank Address : XXXX XXXX XXXX XXXX MD XXXX Phone Number : ( XXXX ) XXXX An inquiry is a record of someone checking your credit information, and it usually happens when you apply for a new line of credit.
Product: Bank account or service

I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed and charged off which means the debt was sold! 

XXXX  is reporting inaccuracies from the highest balance This account is very old from 6years ago it's devastating having this appear on my credit
Product: Checking or savings account

I was a victim of identity fraud and am unable to reopen a closed account that I had with bank of America!
Product: Debt collection

Company Name : First Financial Asset Management , Inc. ( Client : XXXX XXXX XXXX ) Account Number ( if applicable ) : XXXX Bankruptcy Case Number : XXXX Bankruptcy File XXXX Discharge Date : XX/XX/XXXX Description of Issue : I am filing a complaint against First Financial Asset Management , Inc. for attempting to collect on a debt that was legally discharged through bankruptcy. Despite my bankruptcy discharge on XX/XX/XXXX, this company has continued to contact me regarding this debt, violating federal bankruptcy laws. 

Details of the Violation : Contact Methods Used : Emails Dates and Frequency : XX/XX/XXXX, XXXX, and XX/XX/XXXX What Was Said or Requested : They demanded payment Evidence : Emails I have informed the company in writing that this debt was discharged, yet they continue to harass me. These actions violate the Bankruptcy Discharge Injunction ( 11 U.S.C. 524 ), which prohibits collection attempts on discharged debts.

Requested Resolution : I request that the CFPB investigate this matter and require First Financial Asset Management , Inc. to : 1. Immediately cease all collection attempts related to this discharged debt.

2. Provide a formal written confirmation acknowledging that they will stop all further attempts.

3. Compensate me for the harassment, emotional distress, and any financial harm caused by their unlawful actions. 
XXXX. Face appropriate penalties for violating federal bankruptcy protections. 

This ongoing harassment has caused stress and undue hardship, and I am prepared to pursue further legal action if necessary. 

Thank you for your prompt attention to this matter.
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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am submitting this CFPB Complaint to file a complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. The following items should have been removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.
Product: Credit card

My credit card was closed XX/XX/XXXX unbeknown to me. I just received a copy of my credit report and saw the account had been closed XX/XX/2023. I never received any notice that my account had been close. On my bill due XX/XX/2023 they charged an annual renewal fee of XXXX on my account they closed XX/XX/2023, they also started charging an account maintenance fee of XXXX maintenance fee. I have been charged XXXX on my XXXX, XXXX and XXXX statements. 

I contacted them and they told me my account had been close to frequent overlimit and activity, they approved the authorization 's. 

My credit report shows the my payment history was 97 %. 

I contacted them and they said the fees are charged because I still had an a active account. They account is was closed XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 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: Mortgage

I was not notified of my ability to claim settlement For my checking account Mortgage Or credit card
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. During that time, my tuition was paid by federal student loans and private loans through the school via XXXX XXXX. Payments were made from XX/XX/XXXX - XX/XX/XXXX amounted to XXXX. Recently the Department of Education discharged and reimbursed payments of federal loans made to XXXX XXXX XXXXXXXX. I was eligible and my loans were discharged and any payments made were refunded to me. However, most of my loans from XXXX XXXX XXXXXXXX were private loans through XXXX XXXX that XXXX XXXX XXXXXXXX set me up on. My parents also had to take out PLUS loans to help with tuition. The loans were also paid off before the settlement was active, so the Department of Education has denied refund of those despite it being federal loans. My parents and I have been making payments on these PLUS loans and private loans throughout school and afterwards. I recently paid them off in XX/XX/XXXX. I am in debt paying back XXXX XXXX XXXXXXXX and the settlement the government or school has given me has only amounted to XXXX.