23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I the Consumer has never given Equifax permission or authorization to report false, misleading, inaccurate information 15 U.S.C 1692e on an account I never contracted or signed an agreement with. 15 USC 1679d I have made several attempts sending certified mail requesting Equifax to provide me with written consent of permissible purpose 15 U.S.C section 604 FCRA and to obtain the official contract and or signed agreement of the Furnisher with my signature owing debt to creditors listed with a legal obligation to pay. Due to the fictious, fraudulent, deceptive information Equifax has been reporting created a great amount pain and suffering, denying of credit, Home Mortgage, etc. Equifax has XXXX  days to furnish the requested data or delete this derogatory, negative information.
Product: Debt collection

I was behind due XXXX  hardship XXXX XXXX XXXX XXXX my parent death.. I provided all documents from social security & to courts XXXX obituary so judge granted stay XXXX funds paid XXXX XXXX so I have no clue wat this About r have no knowledge of correct $ XXXX owed... I've disputed yearly up til XXXX still no response
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. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( 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: Debt collection

THE SYNCHRONY BANK IS THE CREDIT CLEARING BANK FOR AMAZON. 
ON XX/XX/2022 I BOUGHT A PAIR OF SUN GLASSES TO AMAZON WHICH CHARGED {$380.00}. THIS SUN GLASSES WERE RETURNED AND RECEIVED BY AMAZON ON XX/XX/2022. THIS AMOUNT HAVE NOT BEEN CREDITED TO MY ACCOUNT. THE BANK DECLINE THE CREDIT WITHOUT EXPLANATION ; ALTHOUGH AMAZON ACKNOLEDGE THE RECEIPT. 

ON XX/XX/2022 ; I CONTACTED THE BANK AND INQUIRY FOR A {$210.00} CHARGE THAT DID NOT MADE. THE BANK CLAIM THAT WAS MERCHANDISE DELIVERED TO MY ADDRESS. I REQUEST RECEIPT OF DELIVERY SIGNED; BUT THEY DID NOT PROVIDE THAT EVIDENCE TO ME. BY MISTAKE I PAID THE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XXXX made a hard inquiry on my credit without my knowledge. It is showing up in my Trans-Union Credit Score. I called XXXX and was told by giving my personal information to the salesperson, I was giving them permission. The salesperson did not tell me and I did not know he was using this information to sign me up for credit. I was looking into buying a mountainbike and thought he was just getting my information for the sale. I called Trans-Union and they need a letter from XXXX which I can not get.
Product: Credit card

This company reported my account in a Bankruptcy status I could speak to anyone for a month when I called then they kept telling g my account was in Bankruptcy I told them I was filing bankruptcy because I could not make a payment this made my account110 days delinquent now they have closed my account and it has hurt my credit score. I have called in I was told that it was temporarily closed and once the account became current it would be reopened I have called several trying to speak with the legal department now they are telling there is no legal department then I asked for a phone they are telling they is not a phone to the legal department so I have called three times requesting to speak with a supervisor I have been placed on for 20 to 30 minutes or they tell me a supervisor is not available they have hurt my credit score several times over this whole matter even though they have removed the bankruptcy status my account is removing closed I have never had such a hard time dealing with a credit cared company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I woke up to emails about my credit report from Transunion. I attached all the proper paper work that clearly states that they were wrong and had to delete incorrect things off my report. However, they took it upon their selves to report incorrect items on my report. I attached 4 different reports concerning my report such as incorrect balances on 3 students loans, and also an incorrect XXXX bill. The XXXX  bill was clearly paid in full and closed, they were just reporting the account open so now they listed it under bankruptcy how? Instead of removing like the law clearly states because you can't put incorrect thigs on a report, Transunion took it upon their selves to list theses following reports under bankruptcy. Now I might not be the smarted cookie in the pack, but I clearly know that is against the law. Plus I reached out to a lawyer which he clearly said that is fraud. I also asked for something in writing to verify the bankruptcy that they are reporting. I will attach the accounts that they call themselves listing under bankruptcy instead of removing for inaccuracies.. I also asked for a writing letter for the late payments of the student loans that they are claiming that were 90 days late. The slots allotted only reports a late payment in XX/XX/XXXX. The months before that they all report ok!. I have attached the 4 accounts that they have put under bankruptcy. If you all state that bankruptcy was filed 2 years ago how do you list new accounts under bankruptcy that never went to court. I will contact my lawyers as of XX/XX/XXXX. You all have until Monday to remove this off my report. I will not ask for anything else in writing to verify this so called bankruptcy that you all can not provide. I have written 4 times. and every time you all send something back as verified. I want it in writing how you verified and the name of the person who verified this.
Product: Credit card

I closed my First Progress pre-paid account. I have called regarding my deposit being sent back. I was told 10 weeks. It has been 10 weeks and still no check. I spoke to supervisor and he just said to write a letter to some other department within the company. He stated there is no phone number. We live in a digital age. Who writes letters? This will take another multi week period. If I were late on payment they would charge me late fee of XXXX . Can I charge them late fees for not returning my money within the time frame given? As of XX/XX/XXXX .I received statement showing still a credit of XXXX XXXX So I dont feel they have even processed the return.
Product: Bank account or service

I applied for a credit card for my business with Wells Fargo who denied me for incorrect reasons. I do not have a bankruptcy or collections under my name, Also no inquiries was made under my name. I monitored my credit XXXX and XXXX XXXX and no alert was posted on my account on XXXX/XXXX/16. So I do no really know where this information came. I want this incorrect information to be fixed, this cause bad reputation for me and my business.I do understand that financial institution can denied you but at least do not make false excuses.
Product: Payday loan, title loan, or personal loan

This is a complaint against XXXX XXXX dba XXXX, whose mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
In XX/XX/2016, XXXX XXXX dba XXXX issued me an online payday loan in the amount of {$750.00} with an annual percentage rate ( APR ) of approximately 662.68 % interest ; with repayment of {$230.00} every two weeks for 20 weeks. The terms of this loan which were laid out in fine print involved automatic renewal of the loan every few weeks, which made it virtually impossible for me to pay back the loan within a reasonable amount of time. 

Therefore, I solicited assistance from XXXX XXXX XXXX  and/or XXXX XXXX XXXX, a payday debt consolidation program. However, I withdrew from the program because the cost of their services increased my debt, there was no reduction in my debt and the timeframe in which they expected to settle the debt was not reasonable. I have revoked and hereby revoke XXXX XXXX XXXX XXXX XXXX XXXX power of attorney and they are no longer authorized to discuss this account on my behalf. 

At the time the loan was issued I resided in the State of XXXX  where I still reside for more than 30 years. It have been made aware that XXXX law requires all payday lenders including internet payday lenders that make loans to XXXX residents to comply with its provisions, including licensure provisions and rate caps. Pursuant to XXXX. Code Com. Law 12-101 et. Seq, payday lending in all forms, including online loans are prohibited ; and XXXX Law requires business and lenders be licensed in XXXX. 

XXXX XXXX dba XXXX is not and has never been a licensed business or lender in the State of XXXX which makes the loan issued void and not legal or binding.
Product: Credit reporting or other personal consumer reports

Transunion & XXXX are incorrectly reporting the account listed as XXXX Account XXXX XXXX incorrectly reports a charge off/ collection which this can not be tried since credit card issuers are insured and do actually incur any loss because of the FDIC. The consumer agencies are responsible for making the report match across the board. What evidence does Transunion and XXXX have that XXXX doesnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy, I found that under section 605b ( a ) TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Regarding : DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX Incorporator. <P/>I am a third party and received a call from DOUGLASS & ASSOCIATES CO., L.P.A. <P/>on Thursday, XXXX XXXX, 2017 at XXXX XXXX <P/>on my personal cell phone where the caller, XXXX, representing DOUGLASS & ASSOCIATES CO., L.P.A. <P/>left a message attempting to collect a debt regarding another party. <P/>I, as a third party, have never given permission to communicate with my personal cell phone. <P/>DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX, Incorporator in violation of 15 U.S. Code 1692c ( b ) : [ W ] ithout the prior consent of the consumer given directly to the debt collector a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Debt collection

A person by the name of XXXX XXXX from a company called XXXX has called my children personal cell phone ( do not know how she received that info ) and scaring them stating that your mother has been turned in to XXXX County and a warrant for her arrest. I then received a note from a Neice in a whole other state stating this same company and stated named person above called her about a complaint against me. My sisters and husband and myself have received this call. We asked for documentation and she lies and said I have been sent documentation, this is a lie I do not know her and not een sure of the debt she is speaking of. the only debt issue I have that is not in my current Credit Counseling file is one with a place called XXXX XXXX XXXX I am assuming this is a bad debt XXXX must have purchased and now harrassing my family and me. I have a file history for the XXXX XXXX and a XXXX  complaint I filed against them for how they tried to handle the issue with me which I thought was unfair. I am I guilt for getting the loan yes ... However, this does not give anyone a right to intentionally practice these unfair negotations. I have attached file from niece and number from daugther that was spoken to each of them. 

Note from Daugther : Hey mom there is a complaint pending against you in XXXX county ... here is the number to call XXXX XXXX Then in the attachment below her name was given to my Neice and My husband. 

I have also attached the original XXXX complaint I filed against the clients she claim she is representing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX  XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Product: Student loan

I applied for Student Loan Debt forgiveness program with the XXXX XXXX XXXX XXXX company and was advised that they could cut my payments down to just under $ 300/monthly for the next 10 years and then the loan would be forgiven. All I had to do was submit a couple of payments in the amount of {$180.00} for the representative to contact Navient and get me enrolled into the program. I called the representative as requested and I have yet to hear back and always receive his voicemail when I call. I would like to recover my payments and charge this company with consumer fraud. This was the last email I received from them on XXXX XXXX, 2017 : HELLO XXXX, This email is to advise you that I have submitted to NAVIENT Servicing your REPAYE application and your paystubs. I will monitor everything here in our office but ask that you contact me directly by telephone on XXXX XXXX, 2017. to  complete a conference call to NAVIENT Servicing. I will speak to them on your behalf and we will confirm that you are either at the last stage of your process or if it has already completed. IF YOU HAVE RECEIVED CORRESPONDENCE CONFIRMING REPAYMENT PLAN CHANGE HAS COMPLETED then we will not need to complete conference call. You can contact me directly to review correspondence with you. If you HAVE NOT received correspondence confirming completion of your repayment plan change by the scheduled date above, then please call me directly. You can contact me anytime during the day if my voicemail comes on it is most likely because I am on the other line with another client just leave me a voice message and I will contact you back as soon as I am available. Thank you and have a wonderful day. <P/>XXXX XXXX Senior Case Manager XXXX XXXX XXXX XXXX Main XXXX Ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to one of US bank branch that is located at XXXX XXXX XXXX, XXXX, ca.XXXX. I met a branch manager here who is named XXXX XXXX. XXXX XXXX discriminated me and treated me badly because I was not XXXX! I was treated horrible! XXXX XXXX called the police on me when I refused to leave the bank! 
I have banked with US Bank for several years, I was happy with their service at first. Recently US bank have been absolutely terrible! 
I actually feel like they are crooks and have stolen money from me. They charged me {$110.00} for international transaction fee while the branch manager promised me that my checking account will be XXXX fee if I had the direct deposit! I contacted US bank customer service many times to ask for the refund and they advice me should talk to US bank branch manager to get the money back! 

XXXX XXXX is the worst branch manager who I ever met! He provided me the worst services ever and took no responsibility for the banks mistake on my account! I told mr. XXXX that US bank branch manager didnt disclose to me about 3 % international processing fee when I opened the checking account with US bank! Unfortunately mr. XXXX had no empathy for me instead Of rolling his eyes on me with an angry looked and asking me to leave the bank when I asked to waive for the international transaction fee! He even advices me to close the checking account with US bank and had nothing to do with me! It seemed like mr. XXXX was worrying about the US banks customers knew about how bad the US Bank .... he asked me to leave ... or he would call the police on me! 
I definitely do not trust US bank with my money but I need my money back before I close my account with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on Credit Karma and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit card or prepaid card

I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.