23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX I was going through some financial difficulties but my credit was good XXXX. I was offered a title loan in the amount of XXXX from Republic Finance @ a high rate of 29.99 %. I paid on time and consistently with an ending balance of below XXXX. On XXXX/XXXX/XXXX Republic Finance offered an additional XXXX ... for which I paid on time and consistently up until XXXX XXXX ... because of recent unemployment and added financial burdens .My credit score at that time was XXXX. In XXXX I decided to look through the contract and my records of payment and had discovered that Republic Finance had increased the interest rate to 32 % even after paying on time, consistently and with good credit. I also discovered that Republic Finance had added an additional XXXX to the second loan that did not apply to my loan or to the balance owed from the first loan. So the contract unethically and fraudulently read that I owed them XXXX on the Total amount borrowed of XXXX plus the XXXX balance from the first loan ... at an interest rate of 32 %. How is this possible, ethical or fair? I was devastated and outraged. In my time of vulnerability and need ... I had missed seeing this deceptive and predatory addition by Republic Finance. And I also recalled that the loan officer tore up the First loan contract and payment book with the original numbers while I was there in the office on XXXX/XXXX/XXXX. Since XXXX XXXX I have been harassed by associates at Republic finance calling my number and not leaving messages that could be documented or addressed. And on XXXX XXXX my car was taken from my driveway in the early morning hours without notification from Republic Finance. I 've been without personal transportation going on 2 weeks now. I 've had the same car for 15 years and can not afford to buy another because Republic Finance has ruined my credit .... My credit score in XXXX was XXXX but now in the tank at XXXX. I am stranded. Republic Finance is an unethical predatory loan company who needs to be brought to justice for ripping off vulnerable people and for using deceptive lending practices. and charging amounts far Over the amount borrowed or owed. My XXXX loans totaled XXXX plus the abusive interest rates. I paid a total of XXXX from XXXX to XXXX XXXX. But Republic Finance claims I owe them an amount of approx. XXXX dollars at this point. This has caused emotional distress as I can not pay them anymore. Republic Financed has ruined my good credit ... And they have my car in their possession. and have informed me that they will have it auctioned off in mid XXXX. I 've been ripped off, scammed and robbed. I wrote Republic Finance a letter to inform them that they are not to contact me expect by written documentation. Someone please advise! How can any company exist/be allowed to stay in business that expects to rob the lender of XXXX from a XXXX loan in a 4 year period and steal your car in at the same time?
Product: Credit reporting or other personal consumer reports

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. I am of XXXX nationality and reside in XXXX. I was exposed to a scam in XXXX and filed a complaint with one of the American governmental financial institutions. They asked me to contact MoneyGram to recover the money sent to the scam in XXXX, which amounted to approximately XXXX XXXX XXXX dollars. I immediately wrote to the company and sent all the proof that I was exposed to the fraudulent process. I also sent pictures of all the financial transfers of money that I sent to the fraudulent entity via MoneyGram to the MoneyGram company. I took a reference number for the transaction, and almost a full year passed and it did not The company has yet to recover the money sent to the fraudulent party and return it to me. Please help me as much as possible in recovering my money stolen from me because this money is all I own. Many thanks and appreciation to you.copy of their message.Dear Customer, Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have.

To enable us to assist you, please provide us with more information regarding your request. The more information you provide to us, the faster we may be able to assist you. Information required are but not limited to reference number, sender 's name, receiver 's name, send amount and/or MoneyGram Plus number.

If you have any further questions or concerns please refer to our website www.moneygram.com, especially to FAQ section. Please clicking on SUPPORT > FAQ. If you will not be able to find solution for your problem, please contact us directly by our web form by clicking on SUPPORT > CONTACT. 

We look forward to assisting you in the future and appreciate your interest in MoneyGram. 

Sincerely, XXXX Global Support Specialist MoneyGram International. 

ref XXXX XXXX XXXX ref
Product: Mortgage

I applied for refiance 2 months ago with XXXX XXXX he was then fired withpout notice i beleieve because of us. Everything was fine until he was let go. I tried to call company back manager never assigned a new loan officer had to deal with the manager never could get a hold of him on the phone at all., XXXX was his name. I already paid the appriaser before i was told that i only had to come in at XXXX on it came in at XXXX which was enough was not told i had some chunk in the rooms 2 of them and had would not get the loan. This was disclosed to me at all. I talked to XXXX he said he would give me a copy of the appriaer report and never did whci i was entiled to when i signed the loan docs. I beleive they has to tell me on the docs on a signed about the requirements of appaiser never told me. I talked XXXX and would do nothing to anything about this it has been one month have gotten nothing told me I could get a higher interest rate instaed. Thes guys are crooks. The name of the company American Fiancial Networ.I want my money back or something done he wont do anything the fact I couldn ot reach them and paid and not gotton the appriser report so I can see what happned on it. They are try deceive us and not shoew me the reopt by law. Thay also want to give me a higher rate like as well.
Product: Credit reporting or other personal consumer reports

This account is not mine. I believe there are inaccuracies on my report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan by XXXX XXXX XXXX was to be removed last year from Transunion credit report at the first delinquency was XXXX of 2014. The FCRA demands accounts more that seven years old be removed from first delinquency. When disputed before, XXXX XXXX XXXX removed all information on the account, which is illegal according to the FCRA. This account has fallen off already from XXXX and XXXX.
Product: Debt collection

I had a XXXX on XX/XX/XXXX. I filed for divorce in XX/XX/XXXX. It was my understanding that the medical debt was taken care of by my ex husband. I never received a bill and I had no idea that there was a balance to be paid. I would have happily arranged payments with the doctor had I known there was an outstanding balance. I am very angry. I have near perfect credit and this needs to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus 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 consumer 's 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. 
They 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 XXXX XXXX XXXX was properly investigation 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 a account without my written instructions
Product: Credit card

On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts on my Experian credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request the immediate removal of these accounts under the FCRA , specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the FCRA. 
Please find enclosed a copy of my FTC report highlighting the fraudulent accounts mentioned above. I request that Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. 

I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 
Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2919 a fraudulent application was submitted for a Synchrony-XXXX  XXXX store credit card. I was notified via my fraud protection services and I immediately notified Synchrony and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the Synchrony Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the Synchrony Fraud Team, and I was informed it would be removed in an additional 45-days. 

On XXXX-19 I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called Synchrony and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Product: Credit card

I made a payment on the XX/XX/24 for XXXX then made a pay off payment for XX/XX/24 XXXX and these unprofessional company charge me another fee after account is paid off I spoken with a supervisor XXXX XXXX stated I have a XXXX Credit that was sent out in the form of a check and this account is done. However now the account is still charging me XXXX. XXXX!!! All I want is stop charging fees on a closed and paid off account period remove that XXXX and leave this account alone I dont want to do no more business with capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to contact Experian by phone. There is no option to speak with a person that I have been able to find. I filed a dispute on XX/XX/XXXX and XX/XX/XXXX, both times they simply messaged me that the investigation was complete. No information was give yto me about who they spoke to or any one I could contact. They no longer are working on the dispue and refuse to reopen another dispute. I believe I am entitled to the details on the investigation, not just their conclusion, which is wrong.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX at XXXX, who claims they are located in California, threatened to serve me in my local court to " collect '' on a XXXX XXXX account in the amount of {$2900.00} from the year XXXX. I hung up with them and proceeded to call my local courthouse to ask if they had this on file, which they didn't. I called back XXXX group only to get their " Legal '' department. The guy in " legal, '' who didn't give me a name, cursed me out and hung up on me after I questioned his motives. This happened to me before a couple of years ago and I went down a rabbit hole and found out how much the debt actually is. The actual amount of the debt is {$670.00} and the amount is from XXXX. I called the actual debt collector this time around as well to verify the amount I actually owed and they confirmed the {$670.00} amount.
Product: Credit card or prepaid card

On XX/XX/2022 I received a call from what caller ID showed as Chase. The caller stated my card was being used fraudulently and Chase was going to send me a new card. They send me an email and ask for the code that came on that email. Unfortunately I gave them that code. They then set up XXXX XXXX on their phone with my card. They had my phone number, my email address and my credit card number. I did not give them any of that information. They then proceeded to use my card for XXXX purchased totaling over {$5900.00}. I canceled my card after I discovered these charges. I notified Chase. They informed me I was responsible for these charges. I appealed this twice and both times they rejected my claim. The last response from them was that " You received benefit from this transaction. '' This was not possible since the transactions were on a different XXXX where I was and live.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY 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
Product: Credit reporting, credit repair services, or other personal consumer reports

from XX/XX/2020 to now, a bankruptcy was removed and returned, removed and returned, removed and returned to my Equifax report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Medical Bill opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan Opened at XXXX on XX/XX/XXXX account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEWINFORMATION:NOTADUPLICATESEEDATESOFLETTERSXX/XX/2019TRANSUNIONsentmeanewtheresultsoftheirinvestigation.AttachedNOTETHATTHEYREPORTINNACCURATELY.NOTETHATUNDERTHEFCRA,"IFNOTREPORTED100%ACCURATELYITHASTOBEREMOVEDIMMEDIATELY''EachaccountshowsaBALANCE.Balancecannothaveanamountonachargedoffaccount.ITHASTOREPORTASXXXX.

LettersfromXXXXXXXXdatedXX/XX/XXXX,XX/XX/XXXX,andXX/XX/2019allaskMEforsupportingdocumentationandstillcannotprovidemewithinformationI'verequested.

Furthermore,thedocumentssentfromthecourtswassufficientfortheotherbureausbutyetnotsufficientenoughforTransUnion.Maybethejudgewillloveawardingmemy{$1000.00}peroffense.

GETTHESEACCOUNTSOFFMYREPORTSTODAY!Youdidnotanddonotreport100%truthandthishasgoneonformonths!
Product: Credit card or prepaid card

Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns is illegally reaging an account on my XXXX  credit report and my XXXX  credit report.
Product: Credit card or prepaid card

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Product: Checking or savings account

I did a moving job and was paid with a check and the check bounced
Product: Credit reporting or other personal consumer reports

I have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXXXXXX XXXX XXXX was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.