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

I contacted Experian and attempted to add my Consumer Statement. The representative acted as if he entered and then read back to me my Consumer Statement. It does not appear on my report. 
I attempted to provide accurate information regarding original loan amount, current loan amount and date of relationship with the Lender XXXX and other Lenders on this report. 
I was told they will only show what is sent to them from the Lender and not from me. 
I have had a relationship with XXXX for more then 20 years. 
XXXX has opened and then closed my account over the years as we had mutually agreed. 
Experian and the Lender have made statements that are false and misleading. 
XXXX assigned me a new Credit Card number and a line of credit for {$6000.00} at a repayment term of 18 months @ 0 % interest rate. 
However this information is not available to other lenders. 
The failure to report the facts of my loan agreement is missing and is designed to make me look like I am a high credit risk. 
This is done by limiting the information as it appears on my report. Instead of the true facts, it is reported that I am maxing out my available credit allowing Experian to create a scenario that is harmful and incorrect lowing my credit score by more then 100 points. 
This is what Experian is reporting to other Lenders who look at my Credit report.

Experian and the Lender together are failing to accept or mention the terms and conditions of my actual account. 
It is in reality a loan being reported as a revolving loan even though I have a different repayment agreement. The report makes me appear as if I am a credit risk when in fact I have excellent credit with XXXX. 
I have never been late in my repayment with XXXX or any creditor ever as my current Credit Report shows! 
However after opening the new account with XXXX it has become a derogatory account making me look like a very high credit risk. The same thing happened with my two XXXX Credit cards one for {$3000.00} and the other for {$12000.00}. All of these accounts have the same terms and conditions for repayment. The agreement is for 18 months at 0 %. 
I have proof that I wish to submit so that my report is correct and accurate. and was told that I could not provide them with this information and that they will not consider it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Brclysbankde ran my credit. I received a hard inquiry and I have not applied or given permission for anything like such. The inquiry is marked XXXX XXXX.
Product: Consumer Loan

In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. 
During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. 
Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. 
Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. 
When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX BANK XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is allowing XXXX XXXX  to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only XXXX XXXX but Transunion and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT
Product: Credit reporting or other personal consumer reports

I have 3 hard in quiries for accounts which are not open and i want them closed i.e JPMCB CARD SERVICE, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These are inaccurate and i need them removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! 

I send a certified letter to XXXX on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to XXXX stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that XXXX was indeed where they received the information from that I never gave XXXX any written consent. It has been 30 days and I still have not received any type of documentation from XXXX. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from Experian that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can Experian update a dispute and XXXX still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called Experian and asked what was they provided from XXXX. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and XXXX XXXX. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. XXXX is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to XXXX to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer XXXX has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because XXXX continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while I was Sick with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX  Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items
Product: Credit reporting

I 'm filing a complaint because Transunion has ignored my request to provide me with validation of the debts that I do not recognize. I sent a certified letter on XXXX/XXXX/2015 and I have yet to receive a reply. Being that they have gone past the 30 day mark and have not sent a letter verifying these accounts, I would like them removed from my Transunion credit report. It is a serious error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collections : US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX US DEPT ED Balance XXXX {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX Balance : {$1100.00} XXXX Balance : {$710.00} XXXX Balance : {$9100.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} PXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$4300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took out a {$40000.00} personal loan from Discover at a 22.99 % interest rate that was supposed to mature on XX/XX/XXXX. Shortly after taking out this loan, I discovered that I didn't need this money. So, I returned all {$40000.00} to Discover 20 days later on XX/XX/XXXX. Since Discover 's website boasts a " 30-day satisfaction guarantee '' stating that " If you return the proceeds of the loan ( all amounts advanced to you or on your behalf ) within 30 days of the date of disbursement of your loan, we will not charge you any interest or origination fee ( if applicable ) and your loan will be canceled. ", I figured that Discover would simply cancel my loan and not charge me any interest or origination fees as their website states. 

However, after two days of not seeing my loan canceled and the interest fees remaining on my account amounting to {$500.00}, I decided to call Discover to figure out what was going on. When I did, I spoke to two ladies ( XXXX and her supervisor, XXXX, I believe ) who work for Discover. Both ladies acknowledged that Discover 's personal loan website does offer a " 30-day satisfaction guarantee ''. However, they apologized, said Discover no longer offers this " 30-day satisfaction guarantee '' and hasn't since XX/XX/XXXX, and told me that I would still be responsible for any fees associated with my loan. So, I requested that my case be escalated within Discover, which they obliged and told me that I should hear something back from them in the coming days. 

A couple of days later, XXXX called me back and told me that unfortunately, Discover was going to uphold their decision to not honor the " 30-day satisfaction guarantee '' that they listed on their website and that I would still need to pay the {$500.00} in fees that I supposedly accrued during the 20 days that I had their money. However, they assured me that they would take down anything referring to the " 30-day satisfaction guarantee '' from their website. It has been a few days since I spoke to them ( Discover ). My account still shows that I owe them {$500.00} and the information related to their " 30-day satisfaction guarantee '' is still on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Transuniion requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, Immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy has been violated. 

On XXXX23, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud of other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additional, I would appreciate regular updates on the progress of this investigation and any actions taken to address violations committed by XXXX XXXX XXXX  Please feel free to contact me at XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Checking or savings account

On XX/XX/2022 I deposited two deposits into my account amounting in XXXX from a XXXX account, Upon contacting Moneylion about my debit card realizing my password was changed. 
And upon entering my account I realized an un identified number was attached I immediately contacted Moneylion on the XXXX of XXXX with my complaint and issue they informed me that my account was frozen due to unusual activity. 
I went and checked my statement and seen over 30 transactions going in and coming out of my checking account, when filing a dispute with moneylion on the XXXX of XXXX. I also seen other transactions in my account and when I went to check it I received a email from someone claiming they got my information from moneylion and they were contacting me so that the money they deposited into my account if I could it back to them, with concern I immediately contacted moneylion with this and also sent them the emails and they reassured me that the individual did not have access to my account so I asked them who moved money out of my account and was moving money on a XXXX  app in and out of my account they did not respond at that time I felt it was an inside job and I was right? They had the retention team investigate and they approved all my documents and moneylion was to release my balance to me and they have not done so. And the individual whom admitted in texted that I did not release to moneylion admits to doing transactions in my account and sending me XXXX and harassing emails of knowing my conversations that took place during phone conversations with moneylion and I also have the number the individual gave to me so that we could talk about how I would get there money out and they would allow me to keep half of what they deposited into my account. Also the individual also took out a loan amounting in I believe XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  REPORTED MY ACCOUNT TO CHEXSYSTEMS AS FRAUD I DO NOT RECALL CLOSING OR HAVING THIS ACCT FURTHERMORE THEY WILL NOT GIVE ME ACCOUNT INFO AS I HAVE NO DEBIT CARD INFO MUST GO TO BRANCH NO BRANCHES ARE NEAR ME. ACCOUNT IS FRAUD
Product: Debt collection

XX/XX/XXXX I wrote a letter to Professional Adjmnt Co. asking them to validate the debt they stated that I owed them and they merely sent me a one page letter with a balance indicated without any information as to what this debt was for exactly. 

XX/XX/XXXX I advised them that they should not continue reporting this account without properly validating the debt. 

XX/XX/XXXX I notified them that they are violating the laws by not sending me necessary proof that the account belongs to me and that they in fact have a right to collect the debt. 

XX/XX/XXXXI took a closer look at my credit report and noticed this collection appears to be re-aged it's reporting XX/XX/XXXX( XXXX  ) and XX/XX/XXXX ( XXXX  ) which I am mistaken is a violation as well. I notified the bureau of this potential violation and the account continues to report.