23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I applied online for a loan from XXXX. I spoke with a XXXX XXXX. He went over the loan installment agreement with me over the phone. The loan was for a disbursement of {$7600.00}. 

After speaking with him he said the interest rate would be 35 %. First payment would be {$480.00}. Second would be {$560.00}. After making my first payment. A letter was mailed to me almost two weeks later with a date of XX/XX/2018 on the Disclosure Agreement. This was sent after the fact. 

After receiving and opening the letter it included a Disclosure and Promissory Statement. On this statement it indicated I would be paying a 101.85 % interest rate! I about " fainted '' and was not told, and but lied to on the phone from XXXX XXXX about the interest rate. 

Mr XXXX had scammed me into a high interest rate loan. 

After pulling up further information on the XXXX website under my account. I then discovered that {$0.00} dollars was applied to the {$7600.00} principal of the loan! I would be paying back " {$47000.00} '' over a 7 year period on a {$7600.00} loan is illegal! 

They also took {$950.00} out of the principal {$7600.00} loan and only disbursing {$6600.00} and wanting me to still pay back {$7600.00}?? 

On the disclosure agreement I did not sign or agree to any paperwork claiming this 101.85 % interest rate. 

I then immediately went to my financial institution XXXX XXXX XXXX and closed my checking account. On XX/XX/2018 I contacted XXXX and spoke with a Manager. He was also lying to me about the interest rate and claiming they are exempt from the Usery Law and can charge any interest rate they chose. 

I inform them I closed my checking account. I told them I would pay only back the {$7600.00} on a legal interest rate. They refused. They have scammed me out of money as well as reported this illegally to the credit bureaus. This is a fraud situation by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report from ChexSystems stating that there is a inquiry from XXXX on the behalf of XXXX XXXX on XX/XX/2020. On top its says viewed by others. I've never gave written authorization/permission for this furnish on my consumer report. This is a violation of my privacy, to furnish something on my report without my written authorization, As a consumer I have the right to privacy and ChexSystems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of XXXX XXXX.
Product: Credit card or prepaid card

Me and my boyfriend been together for almost two years now and everything was going good up until 2months ago when money and certain things started to go missing and me knowing that its only us two living together and Im not doing it then it is very clear to me that hes taking things from me but here we are two years and 4 months in and every time we get in to a argument or disagreement he do something crazy or real messed up like take my card and dont come back for days but Im tired of having to pay off his debt when he dont even use the money on me. He has had my card for the last week and he wont stop trying to XXXX up my credit even after I pay something off he went and spent money again today XX/XX/2022 and I want to dispute every transaction he has made since last week.
Product: Credit card or prepaid card

I signed up for ebills for my Lowes Synchony Bank Credit card in XXXX of this year. I understood the arrangement to be that they would bill me electronically and my linked bank account would arrange and pay for the bill on a monthly basis. I understood the arrangement to include them to bill me the full amount on the monthly bill. Instead they billed the minimum. Therefore they have been charging me interest every month since then - a total of around {$300.00} at a whopping 27 %!. I should have caught this long before now and I attempted to offer a negotiation of {$150.00} as I believe their practice to be dishonest, misleading, deceitful and predatory. What is advertised as a service to simplify your life seems to really only be a ploy to charge interest. 
Upon discovering the issue last week I immediately paid off the principal and 50 % of the interest and this payment has cleared my bank. They did not accept my offer of a negotiation and therefore I'm filing this complaint formally. If they can prove that they informed me that the ebill would only be the minimum due I'll pay the entire interest amount. I would have never signed up for this deal had I understood the " deal '' as it turned out. I have excellent credit. This is about the principle of clear communication and honesty from the bank. The final bill ( XXXX ) is attached to show the total interest rate charged and the total interest billed in 2020.
Product: Credit card

Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

Santander XXXX  is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my XXXX XXXX. Things like this on my report will only make it difficult for me and my future family to progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Two XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.

In accordance with the Fair Credit Reporting Act, the listed accounts above have 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 an 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. 

Please investigate this matter and delete it as soon as possible. Thank you.
Product: Debt collection

Repeated calls from Dynamic Recovery Solutions on XX/XX/2019 and XX/XX/2019 regarding debt collection. ( I have no debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed student loans ( which should be removed due to 100 % XXXX & Permanent XXXX Veteran ) since XXXX, paid unsecured loans ( XX/XX/XXXX XXXX and a mortgage account as recently as XX/XX/XXXX XXXX XXXX sold XX/XX/XXXX XXXX. I provided written evidence on company letterhead showing student loans were discharged, unsecured debt was paid in full and home closing statement of the sell and yet XXXX & Equifax refuses to use the information provided and hasn't conducted a full and thorough investigation into the legitimacy of my claim. 

I've had Representatives hang up on me and tell me to do what I want when it came to filing this complaint. I had one Representative tell me they do not take into account the information consumers provide if the lending organization says it's incorrect. There is no push back with presenting the organization the documentation they have received from the consumer. This leads me to believe that the Representatives are NOT doing their due diligence, have the duty of care to ensure credit reports are updated accordingly. 

If the credit bureaus aren't going to take the time to conduct a proper investigation, then why provide a tool to challenge the creditors if in fact they are going to side with creditor. I believe credit bureaus are a scam, especially when purchasing their products with the understanding what one receives as a credit score is correct. When in fact each financial institution using a different scoring system. 

Once enhancement that should be provided is that each bureau systems talk to each other to ensure the most accurate information is provided so as not to have an embarrassing moment believing you have a credit worthy standing. 

One shouldn't be penalized when loans are paid in full or if paid off early. My credit score dropped 14 points and no one can seem to clarify why. I do understand what the ratio of paid on-time accounts and missed payments play into the scenario, however, it couldn't be explained why my student loans that were removed by discharge ( accounts were delinquent due to XXXX XXXX XXXX also known as XXXX XXXX  company out of California that took my money but didn't pay on the loans ) didn't counter the drop in score. 

It is also my understand that an account in good standing would remain on the account for 10 years and that the history would play a roll in the scoring formula. XXXX Monday, XX/XX/XXXX I was informed that information was incorrect. If so then why leave an account on the file for XXXX? 

This has become exhausting trying to ensure my files are correct to prepare to purchase a new home XXXX. 

How can we work together to force these companies to do their jobs? I look forward to rectifying these issues and help other consumers with tools to help fight this crippling system against the average consumer. 

Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Has Violated My Rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.
Product: Credit reporting

I was informed that Trans Union had information on my credit report deleted. This information was inquiries. As to date, these inquiries are listed, therefore, Trans Union had this information re-listed on my credit report without any contact information to myself. This is a violation and, in return, these inquiries should be deleted off of my credit report on Trans Unions behalf. 

In accordance to these standards of the Fair Credit Reporting Act, Trans Union violated these standards and in effort, should have those such inquiries removed. 

Under the Fair Credit Reporting Act, Section 611, ( A ) ( 5 ) ( B ) : Requirements Relating to Reinsertion of Previously Deleted Material : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's 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. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I became the victim of wire fraud. 2 wire transfers 1 ) from XXXX XXXX for {$10000.00} and 1 ) Chase Bank for {$2700.00}. Luckily the receiving bank XXXX XXXX had placed a hold on this particular account due to fraudulent activities. On XX/XX/2021 I was able to recall {$10000.00} from XXXX XXXX but unable to get Chase bank to cooperate and or initiate a Indemnity/hold Harmless letter requested by XXXX XXXX for the recall. I have spent countless of hours via phone calls, secured messages, XXXX Branch visits and not one single person has any knowledge of a hold/harmless letter. XXXX XXXX informed me this morning that I have until XX/XX/2021 to submit this letter or I will lose my funds. Please be advised ... it took XXXX XXXX XXXX 20 minutes to provide me with the XXXXndemnity hold/harmless letter. I have been trying since XX/XX/2021 to obtain said letter to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

Portfolio Recovery is repeatedly calling my phone, sometimes 20x a day, and they are spoofing their phone number to come up as random businesses like XXXX XXXX from Illinois, even though they are actively trying to collect debts. They're doing this with the express intent to defraud consumers who should have the right to know the name of the actual business calling.
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.
Product: Debt collection

There was never any attempt to contact me or inform me of this supposed debt. Debt collector did not provide a valid phone number for me to contact them. It just showed up on my credit report. The recovery agency alleges I owe {$950.00} to  XXXX   XXXX  from  XXXX  of last year, but I have had  XXXX  Fios for the past 4 years. I tried to call the number provided, but it does not ring or even connect. So I am unable to contact them.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX continue to report information that I have requested to be fully verified. I requested on multiple occasions by mail online and over the phone to have the items they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule 9037 Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Product: Debt collection

Frequent automated and not automated calls. Even on Sundays. My accounts with them are set up on automatic draft so there is reason for themy to call and badger me about payment