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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report XXXX XXXX XXXX is listed as debt buyer original creditor XXXX XXXX XXXX  account number XXXX open date XX/XX/XXXX, amount {$370.00}. This is not my account I have no knowledge of this account. I suspect fraud on this account or identity theft. 

I do not recognize this account listed as a collection from Credit Collections listed as a collection account number XXXX open date XX/XX/XXXX, amount {$630.00}. This is not my account, and I do not have any knowledge of this account. I suspect fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX consistently fails to list my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX credit account onto my EQUIFAX credit report. EQUIFAX non compliance with the creditor lowers my credit score. I have reapetedly contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX card program to complain about this and the Creditor has assured me that they have consistently reported my XXXX XXXX XXXX XXXX XXXX XXXX XXXX card credit account to EQUIFAX. EQUIFAX has failed to comply with the creditors request. I plea for immediate relief from EQUIFAX illegal unfair pattern and practice.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This ePromissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against UCB Collections, for committing identity theft. I have never given ( UCB Collections ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). 

I have not validated any alleged debt with ( UCB Collections ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving ( UCB Collections ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from ( UCB Collections ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( UCB Collections, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( UCB Collections ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( UCB Collections ), continues its collection efforts, I will file for litigation for actual damages caused and ( UCB Collections ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

I have been paying my students loan on a regular basic or monthly before the Covid 19 pandemic and before the government moratorium on student loans. I was told that if I paid my student loans for ten years i would be finish paying my student loans. I have not missed a payment that I can recall ( {$270.00} ). 

I have been XXXX school for XXXX XXXX XXXX XXXX in XXXX, Kentucky for the last 20 years. I have applied for loan forgiveness, but I have been denied several times and I have taught in low income schools and schools with high rates of poverty. I qualified for a {$5000.00} reduction in my student loan based on my XXXX experience alone. 

I am now receiving calls from Navient Student Loans, XXXX. XXXX XXXX, XXXX, Pennsylvania, XXXX stating that I am in default. I thought the federal moratorium on student loans will not end until XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX about XXXX i was supposed to quickpay through chase my ex girlfriend some money for rent under the agreement that she pay me back. I send the XXXX dollars only to realize i sent it to the wrong number. I call chase they say i was scammed and they can not help. I contact the person who received my money and they inform me they will send it back. They then lie and say they sent it to the wrong number and then proceed to block my phone number from contacting them. I just want my money back this isnt right.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, XXXX
Product: Credit card or prepaid card

I was recently notified By Yamaha Motor Finance Corporation U.S.A that my account was closed when I called in to make a payment. On my statement it was stated that I had not made a payment in 120-180 days. 

I tried to resolve the issue with them personally on XX/XX/2019 but they said that they had already charged off my account and that there was nothing that could be done. I felt was unfair and shady because it was such a small amount to be charge off. The credit card that I had was a {$15000.00} limit, and there was probably {$2300.00} left to pay off under 15 % of the usage. I feel like they are approving consumers for really high limits yet are very quick to close out accounts for their own purposes. 

I feel like this should be investigated, because even after I was told my account was charged off I STILL tried to make {$300.00} payment on the account. I got a confirmation email saying that this payment would be taken out on XX/XX/2019. The money was never taken out of my account once again. I feel like this is something that has continuously happened to me and that why this has ended up as a charge off account. 

I call in to make my payments and it is not being taken out of my account during the time set up. I feel like this is final proof that when I make payments they are not doing a good job at following up. It is the XXXX and there has been no pending charge from them. I gave them the correct banking information when I last spoke. I just called in again and they said their " system '' was down. I do not want to be penalized when I actually have been making payments but they are not following through with taking it out.
Product: Debt collection

On XX/XX/2021 apelles LLC @ XXXX. Has called my cell phone 15 times in a row.
Product: Credit card

According to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in XXXX The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
Product: Mortgage

My current servicer sent me an offer to refinance. They can not possibly fund anyones loan under the terms presented. This is a bate and switch false advertising.
Product: Debt collection

This company is calling late at night early in the morning i asked them to stop calling they refused they are sending me threating message and i never signed a contract with this company i asked if this could be deleted off my report while in dispute they refuse this is not my debt and i would like it removed from my credit report due to reporting false information i asked can they show me proof of verification of debt with my signature on a signed contract they have failed to do so Im asking this account be removed off my report A.S.A.P
Product: Credit reporting or other personal consumer reports

I have a hard credit inquiry from XXXX dated XX/XX/year> on my credit report. I've called XXXX repeatedly only for them to tell me that they have no record of a credit card application on file for my name or SSN. They did, however, reveal that they can not lookup business card application by SSN so there is no way for them to locate the application in question. Per Trans Union, I need a letter from XXXXXXXX XXXX stating that this application was fraudulent in order to get the hard inquiry removed from my credit report but XXXX will not provide this as they have no record of the application to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXXXXXX XXXX XXXX bank XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My original aafes debt which is now managed by XXXX XXXX XXXX was discharged in a chapter XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for XXXX  years now on this debt that was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED FROM MY FILE!!!! 
I DEMAND THIS FRAUD ACCOUNT TO BE REMOVED FROM MY CONSUMERS REPORT NOW AND PERMANENTLY! 


ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX  AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Student loan

I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.
Product: Money transfer, virtual currency, or money service

I believe that is was a mistake to close my Paypal account. I am using my Paypal account for my online business ( XXXX 's XXXX ) since 2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes and I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.