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

I am writing to bring to your attention the presence of unauthorized inquiries on my credit report. These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you promptly remove these unauthorized inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to formally dispute the late charges inaccurately reported on my credit reports with XXXX, Equifax, and XXXX. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the Equifax data breach in XXXX, and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days. 

XXXX of the original source of this incorrect information, including who provided the late reporting to XXXX, Equifax, and XXXX. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the XXXX period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

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

In 2020, I received a statement of settlement and account paid in full from both XXXX and XXXX, XXXX. Despite my attorney reaching a settlement and paying the requested {$2000.00} both companies proceeded to file delinquent charges of {$4800.00} against my credit report. I have submitted a dispute and attached documentation from both companies verifying settlement and account paid in full to Experian yet, this credit bureau refuses to update. This delinquent charge is still showing on my credit report and adversely affecting my ability to purchase a home for my family. Any help with this stressful issue would be greatly appreciated! 
Best regards, XXXX XXXX XXXX
Product: Checking or savings account

Reported my debit card ( XXXX XXXX ) lost at XXXX XXXX Friday XXXX XXXX. Today on XX/XX/XXXX my card is still active, and can be used online. Bank failed to deactivate it like it was supposed to. On XX/XX/XXXX. 

Didn't actually lose it, was more of juggling bills and not allowing a large bill to go through as I just got a loan from my boss to help me pay up my car payment which I now can't pay, cause those funds went to my extremely large phone bill ( XXXX XXXX ) which I was process of talking to my phone company about lowering the bill when, when my boss 's loan to me elsewhere. 

Might not be the right way to juggle bills, but everyone else 's opinion on the matter irrelevant because they did not deactivate a card that was reported lost, still on 3 days later. Insulate disgusting it's either company the problem I was having, XXXX XXXX is the most outrageously expensive phone company I've ever seen in my life. If you use a lot of data, don't you ever go to that company. {$400.00} for what XXXX charges {$60.00} for. Which is hilarious because that's the network XXXX XXXX  uses most of the time in XXXX Arizona so I noticed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not give any of these companies permission to access my credit report nor do I recognize these inquiries i want them removed asap
Product: Money transfer, virtual currency, or money service

I have been a victim of a scam that tricked me to wire money overseas from my Chase saving account. At the time, I didn't know that I had been scammed. I had no relationship or knowledge of the recipient. The scammer impersonated an FBI agent asking for money to be wired internationally to be in a safe account. They made me believe that my identity was stolen and that someone opened dummy bank accounts in my name ( not realizing that they were stealing my identity as it was happening ). 
I sent {$160000.00} to XXXX XXXX in XXXX on XX/XX/2021. The scammer informed me that the money was not received by the recipient and there was a problem and that I needed to request a wire recall. I contacted Chase customer service the following day on XX/XX/2021 and the person I talked started a case and stated to check back in 2 days. When I called back, the told I have to send secure msg through the app. I went to the branch where I sent the wire and they didn't help. I eventually sent the msg through the secure app. The respond I received " msg received, will get back to you in 24-48 hours ''. Then their response has been " we sent swift code to the recipient bank and didn't receive a response yet ''. Ultimately they closed the case. Once I realized the scam and reported it the police, I called back customer service and they re-opened the case. Again they Chase through secure message claimed that they sent Swift msg to XXXX XXXX in NY and didn't receive a response. At one point, when I sent an inquiry about status, they stated that XXXX in NY is helping them to connect with their branch in XXXX. It seemed like the messages I received from Chase were not consistent neither helpful. Not sure what to make of a bank not receiving a response from another bank ( whether positive or negative ). To this date, Chase couldn't and didn't tract the wire to tell if it has been cashed or not. The way Chase handled this was very upsetting and extremely unprofessional and frankly unethical. If Chase had acted on the wire recall immediately within 24 hours as I requested, the money should had been back.

Chase neglected to do its job and committed grave and inexcusable negligence. Now as of yesterday, they decided to close the case claiming that they didn't receive a response from XXXX in NY
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.
Product: Credit reporting

I just got my credit report and EXPERIAN have this Fraud information : XXXX XXXX XXXX, XXXX XXXX {$52.00}. I called XXXX and XXXX XXXX XXXX and both of them said That they did n't sent any report under my name to experian. I was calling experian so many times and they dont answer, just a machine. I requeste to remove this information from my credit report because I 'm in the process to buy a house and this information is afection my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXXXXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXXXXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent.
Product: Debt collection

To whom it may concern, I would like to report a complaint against Convergent Outsourcing for not following with their promise to remove a collection item from XXXX  and or all Credit Reports. 

This account was paid in full on XXXX of XXXX in the amount of {$260.00}, before processing the payment of the entire balance. Myself and Convergent Outsourcing had agreed that once the account was paid in full, Convergent Outsourcing will then remove the collection items from all credit reports : XXXX, XXXX  and XXXX. 

The collection item was successfully removed from XXXX  and XXXX  around XXXX, XXXX & XXXX of XXXX. However the collection item is still present on XXXX. 

I have reached out to Convergent Outsourcing multiples and spoken to several employees that have promised me the removal of this item. I have been calling Convergent Outsourcing consistently since the XXXX of this year and have followed up every month checking in for an update. 

I lastly spoke with them on XX/XX/XXXX and they promised me that this situation was going to be resolved and the removal of the collection item, which is hurting my credit score. Today I received an update from XXXX  regarding my dispute of this item without any success. As you can imagine, I am simply looking to get this matter resolved and the removal of the collection item as agreed with Convergent Outsourcing.
Product: Debt collection

XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Credit Bureau Name : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report. After reviewing my credit report, I noticed the following discrepancy, which I believe to be inaccurate. The details of the item in question are as follows : Account Name/Creditor Name : LVNV Funding LLC Account Number : unknown Disputed Information : Unverified information 15 U.S. Code 1692c ( c ) Reason for Dispute : I am requesting that the incorrect information be investigated and corrected or removed from my credit report. I have enclosed copies of relevant documents to support my claim. 
I kindly ask that you update my credit report accordingly and provide me with the results of your investigation. Under the Fair Credit Reporting Act, you are required to complete your investigation within 30 days and notify me of the results. 
Please confirm receipt of this letter and provide a written response once the dispute is resolved. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. 
I have contact the company XXXX funding llc by email, phone they are never able to authenticate me to give me answers on this account because it is fraudulent. 
Please remove this account immediately ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some Collections that I did not make nor did I approve anyone to pull my report
Product: Debt collection

It has come to my attention that EXPERIAN, credit bureau has violated my rights in accordance with the Fair Credit Reporting Act by reporting an account with XXXX XXXX XXXX XXXX. 

I have no knowledge of the above referenced account, and I did not have any accounts established with the original creditor, XXXX XXXX EMERGENCY. 

I have made attempts to have the account removed with validation of debt letters to Experian, credit bureau, but have not received any responses. 

According to 15 U.S.C 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681e ( b ) also states that when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I am writing today because I just received a latter from my lender about the covid 19 relief program and after reading it I am furious with the way most lenders are handling this problem!!! We are forced to quit working by our Government stay home and make income but then the banks are going to make people make LARGE BALLOON PAYMENTS at end of their so called relief programs??? HOW IS THAT HELPING???? This is criminal and I can't believe anyone thinks this is helpful!!!! The banks are going to take people 's home 's from them when their own Government was the cause of the financial hardship!! We the American people need help not theft!!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile.

Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX of XXXX. Collection agency text me without giving and any validation information or anything attempts to state it was a collection agency any attempts to collect a debt. Instead of communicating by mail, they chose to text me which my grandchildren seen the information. The information contain with in the text, describe the nature of the debt any amount of the debt along with their phone number. I have attached the text messages that was received from this collection agency. I did not give them permission to text me nor did they try to make communication by Mail to advise or give me the right to dispute the validity of this debt. This debt was fraud, created by a third-party in which XXXX XXXX  refused to do any investigation and kept sending it back to me. I have refused to pay for somebody else charges of {$500.00}. I do pay my bills, but I am not going to pay. XXXX also tried to put it on my credit report without giving me any resolution to this issue. XXXX is a fraudulent company.
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. I told Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate but that is not true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE REMOVE ALL ACCOUNTS ASAP!!!
Product: Student loan

My Student loan is with Nelnet ... ..I have called Them 6 times since XX/XX/XXXX and have asked them to send a billing statement so I could pay them ... .Since the Federal Govt is dropping them as if XXXX ... they have decided not to co-operate with me and others ... and as a result I now have late fees etc, since I am 3 months behind on payments ... This Company I have heard is being sued for this reason, but I am not the one who started it ... 


I have also tried to activate a forbearance but I doubt they even care ... 
I cant pay them if they refuse to send a statement!
Product: Credit card or prepaid card

Good evening, I hope you can assist me with an unfair practice by Comenity Capital Bank. 


The XXXX XXXX credit card account was opened with a promotional deal of no interest for six months in XX/XX/XXXX if paid in full. In XX/XX/XXXX, I stopped the automatic payments as I made the final payment for one other purchase made in XXXX. I received a message that my bill was due. I was surprised and reviewed my XXXX statement ; the interest of {$750.00} was added. 
How could this be? The promotional offer on the initial purchase of {$15000.00}, I called and spoke with customer service on XX/XX/XXXX. I was not pleased with the representative 's explanation. I next talked to XXXX # XXXX, who said I should have been reading page 1 of the monthly statement. I do not understand how a promotional offer would be changed. I asked if there was anything that could be done ; XXXX said it the interest could not be waived. It is unfair at the end of this period to then charge me the interest as though I haven't paid my bill. 

This evening XX/XX/XXXX -- I did call back the customer service and spoke with XXXX # XXXX to inform the bank that I will be disputing the interest charges. 

My contact information : XXXX XXXX XXXX cell phone XXXX email My wife is XXXX XXXX her cell phone number is XXXX and her email is XXXX. 

Thank you in advance for your support.
Product: Money transfer, virtual currency, or money service

I was asked to send money to invest in XXXX and when it started to show a profit, the money disappappered. I made several attempts to get a hold of these companies to no avail.I will send attached documents for more details
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Netcredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked Netcredit who loans money through many out of state banks to allow me to lower my interest rate to the appropriate SCRA rate of 6 % or 36 % out of state lending cap and sent them my XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent interest before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. XXXX. The 36 % Rate Cap Today A. TheDeregulationoftheXXXXandXXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over XXXX jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME