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

In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Acima XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00}
Product: Student loan

I signed up for auto payment of my student loans with my new loan servicer, Mohela. 
Student loan repayment resumed in XXXX. My account was not debited, and I received a letter from Mohela saying that my account was placed into forbearance. I called and was on hold for 2 hours and 19 minutes, which is unacceptable. The US Department of Education should have customer service metrics and requirements for contracts, and there should be penalties for wait times this long, since they indicate the company is focusing on profits over customer service.

The person I spoke to said there was no reason that she could see for the administrative forbearance on my account. She also noted that many other people had there loans placed into forbearance. Not knowing the profit terms of their contract, I worry that Mohela may have done this to squeeze out extra interest on loans. 

When I asked the customer service person how I could submit a complaint to Mohela, she told me there was not a way, and to reach out to the Dept. of Education, which I had already done. I then waited on the phone for 25 minutes while she waited to find out how I could complain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a business account to my personal credit report while reporting inaccurate information regarding the terms of agreement and the balance my request to have this inaccurate information removed from my credit report is a violation of my Rights according to the FCRA. this account was paid off by my business insurance and the company continued to charge me interest and continues to report the balance and late payments to me reports causing me issues with improving and utilizing my credit. Section 623 of the FCRA states that a furnisur must not furnish inaccurate consumer to the fcra and that furnishers must investigate the furnished information. 
it also states that a creditor must noe report a balance after beinf told the balance is incorrect. my insurance company paid them directly anbd the balance and all the missed payments still show. and experian and equifax still have not removed the account from my reports. My credit is suffering because of this.
Product: Money transfer, virtual currency, or money service

I used Moneygram on XX/XX/XXXX to send XXXX usd. And i git a messsage saying the money was sent with the reference number XXXX, but minutes after i got an email saying the opened a case XXXX. They lied because they said it was the receivers bank problem and i told them many times that we spoke with the branch manager ( XXXX bank ) and they are very opened to receive the money so we drove many times to the branch wasting money and time. 

Please we need our money back because we have so many things to pay for. 

XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> - {$89.00} - Called to complain about interest charge on XXXX statement as account is on autopay. I was told their system made the payment a day late and charge would be and was reversed. However, I was concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. 
XX/XX/year> - {$92.00} - Called again to complain about interest charge on XXXX statement as account is on autopay. The autopayment was on time. After XXXX minutes on hold I was given no explanation for charge but the charge would be reversed. However, I am concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. This is the second month in a row this has happened and it seems the credit card company ( Synchrony Bank ) stands to make much ill-gotten gain from these recurring erroneous interest charges.
Product: Checking or savings account

I call to close my accounts with Credit Karma money, and to have a check for all funds sent to me. On XX/XX/XXXX they closed my savings account and transferred the money to my checking account. I did not authorize the transfer nor did i receive a check, nor did they close my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received initial communication from National Credit Management on XX/XX/2023, regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$15000.00}. I disputed the alleged debt in a written letter, sent via certified mail, on XX/XX/2023. National Credit Management failed to provide a debt validation letter within XXXX days of initial contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602A : States that I have the right to privacy 15 USC 1681 Section 604A, Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in collection with the collection of any debt.
Product: Debt collection

I received a letter from an attorney at professional finance company saying they would proceed with legal action if I did not pay a debt that I did not owe. I had insurance at the time of service and the hospital billed it incorrectly and they said they would re-bill to have it resolved.

The debt collectors reaching by out are also not licensed in my state to collect debt, -Colorado
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.
Product: Credit reporting or other personal consumer reports

On XXXX Synchrony Bank increased my care credit card from {$2600.00} to {$8000.00}. One week later, Synchrony Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification.

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because Synchrony Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on XXXX, XXXX, and XXXX credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise XXXX, XXXX, and XXXX to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on Synchrony Bank -Care Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on XXXX, XXXX, and XXXX. My credit score shouldn't have decreased when my account was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus XXXX XXXX 3.Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a secured credit card with SELF XXXX XXXX They have closed my account and my balance was paid off, now they are holding my security deposit and refuse to send it back to me, I have verified everything with the documents they requested, i have contacted them over 15 times and keep being told its being reviewed, Well they closed my account and now i have a zero balance and they will not release my money, Ive verified my idenety 4 time, verified my payment method, when i paid my bill... there is nothing else possable i can give to prove my anything, i just want my refund which is around 1000 dollars after my balance was paid.
Product: Checking or savings account

Capital One has disabled access for authorized third-parties i.e. finance apps for users to access their own data, make payments/pay bills via their API.

This was initially reported to me as a Debitize customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Equifax is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Amount {$570.00} XX/XX/XXXX - Hard inquiry XX/XX/XXXX - Hard inquiry XXXX XXXX, XXXX - Hard inquiry A medical debt collections account was added to my credit report, in addition to other hard inquiries. 

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA an FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) has violated my rights. 
1

5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer report ac can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on credit report, i need these items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX Hope you can address this soon, please.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX and EQUIFAX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that EQUIFAX and XXXX XXXX XXXX are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.
Product: Money transfer, virtual currency, or money service

Remitly, a XXXX, Washington-based financial services company, attempted to fraudulently access my XXXX XXXX checking account to steal money and send it from the US to XXXX. 
This fraudulent transaction was noticed by my wife as a pending transaction and she immediately contacted XXXX XXXX to explain what was going on and place a Stop Payment Order. XXXX XXXX acted immediately and no monies left our account. 
Meanwhile, my wife continues to receive email notifications from Remitly trying to re-establish account service. 
Date : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Co Name : Remitly Inc Amount : {$2900.00} We have nothing to do with Remitly. Never had an account. Yet they continue to fraudulently reach out to us to establish a connection and no doubt re-attempt to steal money from us. 
I have attempted to contact Remitly 's fraud department but the automated voice response system indicates an 85 minute to 90 minute wait -- again that is egregious and should be placed under a separate complaint. 
Nonetheless, I look forward to a response from the CFPB. I am searching for additional options to proactively prevent them from contacting me or my wife as well as trying to re-attempt stealing money from us. Any assistance you can provide in making this happen is appreciated.
Product: Credit reporting or other personal consumer reports

Having consistently met payment deadlines, it is disheartening to find an error indicating a late payment on my account. This oversight is causing unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit card

Dear CFPB, I am writing to formally file a complaint against American Express ( Amex ) regarding what I believe to be unreasonable and unjust annual fees applied to two credit cards that I never activated, created accounts for, or used. These fees appear to be a case of fine print abuse, disproportionately affecting new and inexperienced credit applicants like myself. Below, I outline the specifics of my case : Background : Right out of college, I applied for three Amex credit cardsthe Gold Card, the XXXX XXXX, and the XXXX XXXX Preferred Card. At the time, I had no XXXX XXXX or prior experience with credit cards and applied with the expectation that Amex would be highly selective. Surprisingly, all three applications were approved, even though I only intended to use one card. I have been using the XXXX XXXX XXXX card exclusively since then. 

The Issue : Despite never opening the envelopes containing the Gold and XXXX cards, never activating them, never creating accounts for them, or ever using them, I have been charged annual fees for both cards. Amex has compounded the issue by threatening to add interest fees on these charges.

Attempts to Resolve : I have contacted Amex customer service on three separate occasions to explain my situation, emphasizing that : I never intended to use more than one card.

I was unaware of the implications of applying for multiple cards due to my inexperience with credit.

I never activated the two disputed cards, nor did I benefit from any of their features or services.

Amexs response has been dismissive, citing that the annual fees are valid because an account was created upon application approval, regardless of activation or usage. This reasoning disregards my lack of intent to utilize the cards and the reasonable assumption that fees would not apply unless the cards were activated or used. 

My Concern : Amexs policy exploits the lack of financial knowledge among new credit applicants. Charging annual fees on unactivated cards is not only unreasonable but also seems designed to trap uninformed consumers. The practice of approving multiple applications without clear communication about immediate fee imposition upon approval appears predatory.

Request for Resolution : I am requesting the removal of all fees and associated interest charges for the two unactivated cards. Additionally, I urge the CFPB to investigate Amexs practices to ensure that other inexperienced consumers are not similarly penalized. 

Supporting Information : Account Holder Name : XXXX XXXX Relevant Cards : Amex Gold Card, Amex XXXX Card Dates of Application : [ XXXX of XXXX ] Active Card : Amex XXXX XXXX Preferred I respectfully request your assistance in resolving this issue and preventing similar predatory practices in the future. Thank you for your time and attention to this matter. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?