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

I was the victim of identity theft and during that incident there was a fraudulent address attached to my credit profile. I petitioned all of the major credit reporting bureaus to remove the information due to the information being erroneous. Equifax still list the fraudulent address as a previous address. There are no accounts or information to validate the address ever being attached to me in any way. Equifax will not correct the problem and totally remove the fraudulent address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX*Balance : {$0.00} ; SXXXX XXXX
Product: Mortgage

In early XX/XX/2019, the XXXX XXXX was going to go through a XXXX. I received a call from LoanCar saying that LoanCare that because I am a XXXX XXXX, LoanCare offers me a break - and that I don't have to pay my mortgage for the next 90 days. I took the offer and when the 90 days ( 3 months ) were up, I thought that I would resume my regular monthly payment - but instead, I was asked to pay the total owed for the 3 months ... That was a shock to me. Then finally in XX/XX/2019, after I couldn't qualify for a loan modification, I entered in a re-payment plan with LoanCare starting with an initial payment of {$7900.00} and 5 additional payments of {$3700.00} that ended in XX/XX/2019 and resume my normal payment of {$2600.00} in XX/XX/2019. 

The first payment, {$7900.00} was made on XX/XX/2019 ( See attached bank statement pg 6 of 10 ). With  a due date on the XX/XX/XXXX of each month, all subsequent payments were made and received by LoanCare before the due date ( See attached proofs of payment from XXXX ) Despite having received all my payments, and despite numerous faxes of proof of payments directly from XXXX to LoanCare, LoamCare repeatedly denied receiving my money ( See attache mortgage statements from LoanCare ). I have contacted LoanCare numerous times. Each time, each representative gave me a different story. The last representative confirmed that they have never received payments for XXXX, XXXX and XX/XX/2019. I am so tired of this stupidity and the running around they gave me, I sold my home this past XX/XX/2019. I have requested LoanCare to give me a payoff statement by crediting all the payments I made. They didn't bother with the correction and charged me {$5000.00} and a late fee of {$470.00} I am filing this complaint because LoanCare 's failure to properly credit my account, incorrectly charged me {$5000.00} and late fee even though all payments were made on time. In addition, LoanCare repeatedly notified the credit bureau that my account is seriously delinquent or late. Consequently, my credit score dropped from the high 600 to about 400. 

I request your assistance and demand LoanCare to fix all these mistakes and refund the uncredited money and late fee to me - and notify the Credit Bureau that all prior reports were false and all payments were made on time. Before filing this complaint with you, I have also made several requests to Loancare but received no response ( see attached correspondence to LoanCare ) I don't understand LoanCare 's ill intent, but Loancare did the very same thing to my other account which you will be receiving another complaint from me. This whole thing is terrible. I lose a lot of time ... It stresses me out ... 

My contact is XXXX Tel. XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I purchased a handheld XXXX  XXXX  XXXX XXXX Assistive Reader. I purchased this XXXX XXXX device at a discounted price of {$1700.00}. I paid a down payment of {$180.00} which was required in order to finance the XXXX. XXXX was approved using Sunbit XXXX at XXXX. Sunbit processed my down payment on behalf of XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX  a third-party who set up the Installment Loan Agreement. I was surprised and confused because I didn't expect the high APR. Being a XXXX elderly person, my medicare would pay 80 % of the costs under " durable equipment ''. I felt that I could manage the 20 %. The following is my understanding of what the loan agreement breakdown should look like. 

{$1700.00} = amount XXXX  paid to XXXX for discounted device Less {$180.00} down payment for financing with Sunbit/XXXX  XXXX  {$1500.00} should be Amount XXXX 24.99 % XXXX {$380.00} should be Finance Charge {$1900.00} should be Total of Payments Payment Schedule : 24 months Payment Amount : 23 months @ {$80.00} plus 1 month @ {$80.00} XX/XX/2022 I emailed Customer Support at Sunbit about my difficulty understanding the break down and how the payments work. Nothing was changed and no further contact with Customer Support.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 CONNS accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Product: Credit reporting or other personal consumer reports

It would appear that TransUnion has decided to refrain from reporting credit lines for all reported tradelines. This decision was never properly communicated and is in direct violation of accurately reporting consumer information. The change negatively impacts consumers credit utilization by reducing available credit. This change suddenly begin around XX/XX/year>.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account XXXX Balance : {$7300.00}
Product: Checking or savings account

Dear navy federal credit union I am writing to formally dispute the overdraft fees that I have been charged on my account and to demand a remedy for the financial and emotional damages I have incurred due to your deceptive practices. 

Nature of the Dispute Your institution has engaged in practices similar to those detailed in the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal Credit Union. Specifically, I have been charged overdraft fees under circumstances where : 1. My account reflected sufficient funds at the time of the transaction, but overdraft fees were later assessed when the transaction was processed.

2. Incoming payments were displayed as available for use ( e.g., from peer-to-peer platforms like XXXX, XXXX, XXXX XXXX XXXX ) but were not actually accessible due to undisclosed processing times, resulting in overdraft fees when I attempted to use these funds. 

These practices are deceptive, unfair, and violate the Consumer Financial Protection Act by exploiting your customers trust. 

Damages and Impact As a financially independent individual, I intentionally maintain only enough money in my bank account for anticipated expenses due to a lack of confidence in the banking system. Despite this, your institution has capitalized on these practices to collect thousands of dollars in fees from me. 

This has caused significant inconvenience, financial disruption, and frustration. It is clear that your institutions fee structure has been designed to exploit customers, even those who act responsibly. 

Remedy Demanded Based on the CFPBs recent order against Navy Federal Credit Union, I am seeking the following remedy : A refund of {$9000.00} for the overdraft fees I have been wrongfully charged and the damages to my livelihood and well-being.

Assurance that your institution will discontinue deceptive practices related to overdraft fees, similar to the CFPBs ban on such fees in the Navy Federal case. 

Legal Precedent The CFPBs investigation found that institutions like yours violate consumer protection laws when they : Charge overdraft fees on transactions where accounts showed sufficient funds at the time of purchase.

Fail to disclose processing delays for incoming payments from peer-to-peer services, leading to additional overdraft fees.

Given the CFPBs authority under the Consumer Financial Protection Act, it is evident that your institutions practices similarly constitute unfair, deceptive, and abusive acts.

Next Steps I request that you respond to this dispute within 14 days. If no satisfactory resolution is reached, I will escalate this matter to the CFPB, join ongoing class-action litigation, and pursue further legal remedies.

Thank you for addressing this matter promptly. I look forward to your response and resolution.
Product: Debt collection

Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request the removal of the erroneous accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. The Information you report on my Credit File belongs to my brother, XXXX XXXX. I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am including this report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXX  Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i sent a letter to capital one requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity through Equifax data breach and several others listed below are all fraudulent accounts and inquiries on my Equifax credit report also attached is a identity theft report with all fraudulent accounts and inquiries Equifax XXXX XXXX XXXXXXXX XXXX XXXX$1200.00} Account Number : XXXX Equifax Fraudulent Inquiries XXXX XX/XX/year>
Product: Debt collection

I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to  the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. 
In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.
Product: Debt collection

Received a letter dated XX/XX/XXXX to a XXXX XXXX from XXXX XXXX XXXX, XXXX attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to XXXX XXXX XXXX, XXXX, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.
Product: Money transfer, virtual currency, or money service

I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true , accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND EXPERIAN. NOW I WAS DECLINED A PPP  LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

XXXX was on to automatically pay balances due on account. Chase Bank or their system shut it off - not the customer - and in turn, a payment was missed with no notification to customer that XXXX had been XXXX or shut off from the company. In turn, a XXXX day late payment was posted unbeknownst to customer. Chase bank admitted their system glitched but refuses to make right with the customer by removing the derogatory mark to credit bureaus. Customer made right with past due balance once issue was realized. In turn, customer is taking a large ( over XXXX ) hit on credit score. Issue is a glitched system on Chase Bank 's end ( admitted by company and company apologized ), but refuses to make it right, and customer suffers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX and XXXX of XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX -- Ph # XXXX. In XXXX 2017 XXXX, the assistant to loan officer XXXX requested a credit report in order to verify a possible interest rate deduction. When asked if the report would be a 'hard ' pull, he responded in the negative. After a couple weeks of back and forth on mortgage 'replacement ' offers they proposed, it became evident that the loan I already have is most appropriate for me, not needing to pull any additional equity money out to pay any bills -- I have none that recur other than current mortgage.
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During our communication XXXX stated that the credit report request would not affect my credit score as they are to replace an existing mortgage. It is important to me not to have a negative effect on credit score because once retired, one 's income is lower, making it harder to qualify for another home or other big ticket item.
However, when I received my credit report from Experian, it now shows not one, but XXXX HARD Pulls from their organization. I believe they need to be requested to reverse what they have done, and to not do that to another prospective client. They have not responded to the email I sent requesting them to do so. Unfortunately, the credit bureaus will not perform this adjustment ; it must be done by the potential creditor.
Product: Debt collection

Choice Recovery , Inc reported unpaid collection of {$110.00} on XX/XX/2019. Original vendor is XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. I have no idea what this is from? I have never received an invoice, statement or phonecall relating to this charge I called XXXX XXXX on Saturday XX/XX/19 ... I was told my account was XXXX and they didnt know what the problem was. I said I was coming in to speak with office manager and they told me not to come in? 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.