23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Title pawn issued by XXXX XXXX, who does not hold a license issued by the XXXX XXXX XXXX XXXX XXXX XXXX 
No disclosures provided as required by TILA, even after I requested Loan agreement did not contain following disclosure as required by Ga law. The loan agreement shall contain the following notice in at least 12 point type immediately above the borrower 's signature : 'NOTICE This is a motor vehicle title loan agreement. It allows you to receive loan proceeds to meet your immediate cash needs. It is not intended to meet your long-term financial needs When using this loan, you should request the minimum amount required to meet your immediate needs and you should repay the loan as quickly as possible to reduce the amount of interest you are charged. You will be required to pay the principal and interest on the loan in substantially equal monthly installments. You should try to pay even more toward your principal balance each month. Doing so will save you money. You are pledging your motor vehicle as collateral for this loan. If you fail to repay the loan pursuant to this agreement, we may repossess your motor vehicle. Predatory Lending practices and violations of EFT by unlawfully providing a loan I did not request and depositing into my unsecure customer portal without my request, permission or knowledge, refused to withdraw upon my request. Upon notice of unauthorized withdraw from that portal on XX/XX/2022, has not concluded or resolved exceeding time allotted provded in the XXXX act, refused to return title after notified of right to rescind after disclosures were not provided in violation of TILA, refused to return title or void Contract or forfiet any funds related to contract as required by Georgia law. 7-3A-3.

87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4.

90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed Experian, XXXX, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within Four business days. The 3 credit bureau did not remove any identity theft off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. Experian, XXXX and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions. 

Enclosed Attachments ; Proof of identity ( driver license, social security card also credit card statement for proof of current address. My drivers license also has my prior address on it. Ive provided 2yrs of addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed and made XXXX XXXX, XXXX, Trans Union, XXXX aware that they are all violating my federally protected consumer rights. They are willful and complicit in the agressive violations of my rights. They are clearly non- compliant to the consumer laws I am being damaged in multiple ways. 
1. Defamation of Character ( per se ) 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15 USC 1681violation for willful XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] As you can see from the documents that I have attached to this complaint the violations of rights that I advised them of was not corrected as advised. The issue is that the balance of the card is being reported the balance should report as XXXX or XXXX to be compliant. As you will notice I have made notes to experians results of the dispute that I previously made about the violations that You ( CFPB ) are now complicit in, about updates made to my Consumer Report. Which did not correct the violations which are still active on this updated Consumer Report. I will be seeking damages as advised by FCRA. 

I recently received a copy of my ( XXXX, XXXX and TransUnion ) consumer report, and I noticed that it is reporting my experience with its company. I advised XXXX XXXX of the violations that I noticed on my XXXX, Trans Union, XXXX consumer reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXXXXXX XXXX XXXX The lines of credit I have with XXXX XXXX, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXt # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for XXXX XXXX willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advanc
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital agreed to cease collection activity on the XXXX XXXX account as well as REMOVE the entry in its entirety from all three of my credit reports. Upon checking my reports, Jefferson Capital did not delete the entry as promised. They just changed the account to " current '' and then listed " charged off as bad debt '' in the comments.
Product: Credit card or prepaid card

I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX  in the meantime.
Product: Debt collection

I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my report that needs to be removed. I did not authorize these inquiries Which are XXXX/XXXX inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018 XXXX XXXX   inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Aspire Credit Card. I recently discovered two accounts listed on my credit report that I did not authorize and have no knowledge of. These accounts are with Aspire Credit Card. 

I have never conducted business with Aspire Credit Card, nor have I ever applied for or received any credit cards from them. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that Aspire Credit Card : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to Aspire Credit Card, and any attempts to collect payment are unwarranted and unwelcome.
Product: Credit reporting

I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. 

I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). 

I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. 

Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. 

I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a massive data breach 2017 information was Exposed on the dark web multiple times.. information was purchased and compromised I was getting threatening phone calls fake bills and I had to spend money to freeze 60 data Brokers send letters mail letter certified letter security freezes and Equifax refuses to pay the bill I sent them in the mail.. they don't want to be held accountable.. they're referring me to the Equifax settlement. In which they told me I will receive {$3.00}. 10-year years from now I'm thinking is this a joke.. I spent way more than {$3.00} it cost me {$25.00} to send all the documents to the Equifax class action lawsuit.. they responded there is a security freeze on his report it's much much more than that.. I'm the victim here I had a freeze every consumer data broker out there there's like sixty of them certified letter paid for security freeze hired a attorney xcetera All I want is Equifax to pay that bill they received in the mail I will be very happy.. 
But Equifax reuses to respond. 
I understand nothing but a nobody to them nothing but a product to make profit..
Product: Credit reporting

Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.
Product: Debt collection

I am writing to formally register a complaint against National Recovery Solutions for repeated and unauthorized telephone communications that I believe are in breach of the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

XXXXXXXX XXXXTCPA Violations ( 47 U.S.C. 227 ) : XXXX I have received unsolicited calls from National Recovery Solutions without my prior express consent, in clear violation of the TCPA 's stipulations against auto-dialed calls and prerecorded messages. 

XXXX. XXXXXXXXFDCPA Violations ( 15 U.S.C. 1692c ) : XXXX  The company has improperly communicated with a family member about my alleged debts without my authorization or acknowledgment of such debts. This action is in direct contravention of the FDCPA, which prohibits debt collectors from contacting third parties regarding a debtor 's obligations without explicit consent. 

XXXX. XXXXGLBA Non-Compliance ( 15 U.S.C. 1681 ) XXXX XXXX The methods of communication employed by National Recovery Solutions raise serious concerns about the protection and confidentiality of my personal information, suggesting non-compliance with GLBA regulations. 

Additionally, these calls have originated from multiple numbers, including a XXXX number, which may indicate deceptive practices. 

I have not yet received any debt validation or provided written consent for these communications. In light of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems has had a XXXX XXXX XXXX XXXX on a report with them for 5 years already I have done the math and it is well past the time for this item to be removed for good. I have also provided them with an ID theft report that they deemed wasnt " close '' to the time frame, I dont care what it was close to or wasnt close to I had ID Theft and they need to remove this information from their file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX XXXX XXXX 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.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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was browsing the Internet for a monetary exchange for an in game currency called coins and I came across this guy. After a short chat he seemed trust worthy and wished to exchange XXXX XXXX coins for {$100.00} ( 99 euro ) and I sent it to him using goods and services on PayPal ( offers buyer protection ). He told me that I needed to send it over Friends and Family ( no protection ) because there was some kind of hold on his money so I did because I have never had any problems with sellers in the past. So I sent 3 payments, XXXX, XXXX, and XXXX and after Id sent them, he kept stalling and did eventually ceased contact with me
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, The BMW Financial Services account on my credit report does not belong to me and I  demand a cease and desist removal of the tradeline on my report. 

I have no affiliation with BMW whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX all not mine addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXXXXXX XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX  I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Debt collection

There are accounts being reported on my credit reports that are not valid. I have attached the identity theft report.
Product: Checking or savings account

Charges were made to my debit card after it, along with my phone, was stolen from my vehicle. They drained my bank account, and as soon as I noticed the unauthorized transactions, I contacted Sofi Bank. The thieves had significant access to my accounts because they had my phone, which was logged into my accounts, as well as my debit card. The transactions occurred on XX/XX/XXXX and XXXX. The digital signature matched because they used my phone, the same device I normally use for purchases. Additionally, the account had been open for only one day before this happened. The total transactions in dispute are {$3300.00}. XXXX said they completed their investigation of less than 24 hours. I also inquired if a police report was needed or necessary and they did not provide any information or guidance to indicate it would be required to approve a dispute if so.
Product: Debt collection

XXXX XXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a address XXXX XXXX XXXX thats reported on my credit report that I never lived at that address is on there as a previous address, I will like that to be deleted from my credit report due to a address I was never associated with Thanks
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

US BANK XXXX XXXX Regarding my Statement XX/XX/XXXXXXXX XXXXXX/XX/XXXX I received XXXX, I noticed late fees and interest charges so I called XXXX and talked to XXXX XXXX XXXX XXXX. My concern was a Late fee of {$30.00} and an Interest charge of {$42.00}. We discussed the issue and both agreed she would reverse both fees. These reversals show on my new Statement ending XXXX ; the post dates of reversal are XXXX, XXXX and XXXX. I said I would send a check for an adjusted amount of {$870.00} which I did with check # XXXX on Wednesday XXXX. 

So looking over my new Statement ending XXXX, I saw another Interest Charge of {$12.00}, so I called and spoke with XXXX XXXX XXXX XXXX  question the purpose of the charge. She ended the call without fully explaining the issue telling me someone would call me the next day. That evening I received an email explaining The interest charge was assessed because the statement balance was not paid in full by the due date. Quite frankly this does not make sense I already had XXXX clear this. 
I believe my balance due should be XXXX not XXXX ( XXXX XXXX ) On XX/XX/XXXXXXXX  I wrote a letter to US Bank explaining in detail the situation and included a print of my transactions for all of XXXX and their dates of when they purportedly received and posted my checks. I asked for a reversal of the Interest Charge.