23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was actually helpiing a friend purchase furniture. She picked out furniture that totaled {$1900.00}. XXXX After speaking with the salesman I signed the contract online. I remember asking about the interest rate but never got a full answer. The initial intention was to pay the loan off in 90 days same as cash. Since that time period was not met, I just continued making {$120.00} pymts. every two weeks. Since I've been doing this for 5 mths. now, last night I decided to check the balance. So I sat up an online account with American First Finance and logged in to find that the balance was a whopping {$5000.00}. When I finally reached a customer agent he informed me that figure was correct and the interest rate was 144 % and I actually believe this is a form of unfair and deceptive trade practice. I was naturally appoled and went off. I've never heard of such high rates in my life. Since I couldn't get an understanding with him I hung up and called my bank to stop future payments and then called XXXX XXXX XXXX The next day the company did email a copy of the contract. Although I did sign it online without a clear understanding of all the details, I still believe it to be totally unfair and deceptive trade practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the XXXX major Credit Bureaus XXXX Equifax, XXXX or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Checking or savings account

I had called in because o had gotten my phone and wallet stolen and they used my card and transfers money over on my phone. They said they filed a dispute which I later found out that they didnt so I had to call in again and eventually got help. They filed a dispute which was later denied with out any information and only giving me a day notice that funds where gon na be removed from my account I called in and got no information as to why and was ultimately told which I felt was threatening saying they would take away debit card use if I called back about this. This is the second time they have done this and this time the amount was for around XXXX $ and I dont get how they didnt ask me for no prove or nothing and I know I didnt make these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a alert that my credit was ran by Benefincial credit without my knowledge.My identity was stolen and filed a police report against this institution and I also taking legal actions in court. I never heard of this company nor have no interest doing business with a small bank after the XXXX XXXX XXXX XXXX crash. I never applied any loan.Please remove credit off my credit report report asap or I am pursuing legal matters in XXXX XXXX court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with Transunion supervisor XXXX XXXX, who would not help and take care of the negative inquiries reporting on my Transunion credit report due to being a victim of there " Inquiry issue ''. Negative Inquires listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
CFPB has filed a lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX car dealership- I went in to trade a car and carmax seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Product: Credit card or prepaid card

XX/XX/2019 I contacted chase bank informing them I was in a hardship. The house we were renting was tested for black mold and due to the positive results the city deemed it not livable. At that time I made the call to chase I was currant on my payments. My intention was to get lower payments moving forward or even No payments for a short period. We were living in a hotel at that point and would not be able to move back into the home until our landlord fixed the issue, I had documents to prove I was going through a hardship if needed. Unfortunately chase would not help me. I sat on the phone for over an hour they keep escalating the call to different representatives. None of which gave me any advice or options. Needless to say I fell behind and my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Bankruptcy Account Case Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. I have even requested documents to be provided to prove that the payments were indeed in the Bankruptcy Account. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Debt collection

Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.
Product: Bank account or service

My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.
Product: Prepaid card

A transaction charges of {$75.00}, {$200.00} and {$25.00} was made on my card on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XX/XX/XXXX acct 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.
Product: Bank account or service

When Capital One Bank receives funds by EFT, it refuses to make those funds available for 5 business days. I know that such delays are intended to protect them if the funds are not honored by the source financial institution. That makes some sense for a check, but not for an EFT, unless Capital One can make a case that the source bank creates EFTs without underlying funds, which seems preposterous. Some banks other than Capital One have no such delays for EFTs ; some others I know have delays of a day or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Product: Debt collection

Chase bank charges extended overdraft fees which cost more than what they paid for {$5.00} I got {$34.00} overdraft fee then a {$15.00} extended overdraft fees! On XX/XX/XXXX I was charged {$34.00} for recurring fee. For {$19.00} charged {$34.00} overdraft fee and {$15.00} extended fee. These are fees from XX/XX/XXXX to XX/XX/XXXX.
Product: Checking or savings account

2 savings accounts opened on XXXX XXXX XXXX XXXX 1 savings account opened on XXXX XXXX XXXX 1 checking account opened on XXXX XXXX XXXX Small transactions being transferred in and out of theses accounts in the amount of {$25.00} and {$50.00} from other accounts. {$8000.00} transferred into XXXX which was established with the incorrect statement mailing address. Cash Withdrawals from accounts in small amounts within the branch or store to close accounts and limit my access to the transactions.. 

These accounts appear to have been created in Store XXXX without my signature. 

Many debit cards were sent out, false bank records which led to identity theft on all 10 of my accounts.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to XXXX XXXX  ( Now  XXXX  XXXX  ) and to credit bureaus XXXX and Transunion to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX  ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on XXXX  and Transunion. 
Dispute has been opened on Transunion and XXXX on XXXX, XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus XXXX  and Transunion had been irresponsible and had failed to follow the laws that require them to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards.

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
Product: Debt collection

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with CAINE & WEINER nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$270.00} XX/XX/XXXX
Product: Credit reporting

Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have allot of collections In my credit report through XXXX  and equifax. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to XXXX  with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.
Product: Mortgage

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

On XX/XX/2023 I sent a letter to Experian requesting that all inaccurate information pertaining to names, addresses, phone numbers, date of births, social security numbers and all ( alleged ) employers be permanently deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you
Product: Credit reporting or other personal consumer reports

I asked the original creditor for the 1099c and they are refusing to relinquish it to me without paying a settlement which by law if an account is charged off they must provide the 1099c