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

I obtained a loan with Bankers Healthcare Group on XX/XX/2020. Upon further review I realized that the interest rate is 20.99 %. I did not realize that this is an illegal interest rate in the state of Florida and is considered usurous. The maximum interest rate in Florida is 18 % according to law. I contacted BHG on XX/XX/2020 by email, which I can provide, to discuss this issue. They stated the loan is serviced by XXXX XXXX  and no contract changes will be made, however, the contract I signed says XXXX XXXX. I also contacted an attorney who agrees that the interest rate is illegal and usurous in the state of Florida
Product: Debt collection

Medicredit is out of control time and time again they send me letters from an account that has already been disputed here by another collection agency, even by medicredit as well and the case was closed by CFPB after my complaint, Medicredit did NOT comply with the requirements that I requested and now they come back to collect an account that I supposedly owe but they do not show detailed proof of my request, my lawyer is pending to take action against Medicredit
Product: Credit reporting

I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

Transworld keeps calling our home number looking for someone who does not live there and has never been associated with anyone in my family. We have asked numerous times to be placed on their do not call list. They say it takes 24 hours to have you removed yet its been 5 days since the last request and they still call every day. I've ask to talk to managers and I get the same story, it takes 24 hours yet they keep calling more than 24 hours later.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

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

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

15 U.SC. 1681 Section 604 A Section 2 : it also site also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

loan was not with this company, im diputing information being reported to the credit bureaus i am not aware of this loan being refinanced with this company late payments are innacurate as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with experian that they verify with them an thats how experian have it I show them the proof an they sayin that they dont used XXXXXXXX XXXX XXXX as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I was looking over and writing down all my transactions to keep post so while I was doing that I came across 2 atm withdrawals 1 for XXXX and the 1 for XXXX and this out of my capital one account debit and this happened on XX/XX/XXXX and XX/XX/XXXX it says money was transferred out of my XXXX XXXX to my capital one and I put a claim through on XXXX with capital one because thats when I found out I dont really use this account only sometimes I use my other bank account now on the XXXX they say my claim was denied and I told them that somebody must have made a copy of my card because I had my card on me its machines thats out here while I was doing my own investigation that its machines them at people have that can take ur card info inside stores gas stations etc I just really want my money back thats all and now they saying they go appeal it 10 to 15 days is a long time for me to receive my money I need my money back now they told me they was goin to give me a credit they lied so now ima wait and see what they do Because
Product: Credit reporting or other personal consumer reports

I was looking to my credit report and find out there are fraudulent inquires XXXX. XXXX XXXX XXXX - Transunion XXXX. XXXX XXXX XXXX XXXX XXXXTransunion XXXX. XXXX XXXX - XXXX XXXX Transunion XXXX. XXXX XXXX XX/XX/XXXX, XXXX Transunion And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a lack of communication in receiving bills. I have fully paid this account with XXXX and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  charge was reduced to a disorderly conduct and should be reflected as such. This was done through the District Attorney office of the XXXX XXXX Court of Wisconsin after I disputed their jurisdiction. The charge was reduced over the phone the day before trial and I pled guilty to a disorderly conduct. As this is how it was finalized please adjust in your system as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Auto XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Sys # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and the FCRA says i have the right to a accurate consumer report. And the FTC has a strong stance against identity theft. My name is XXXX XXXX XXXX residing at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX my cellphone # is ( XXXX ) XXXX. I Just saw on my Experian consumer report there is someone with a name of " XXXX XXXX " under the name section on my consumer report and a residential number of ( XXXX ) XXXX '' reporting on my consumer report AND THAT IS NOT MY NAME AND NOT MY NUMBER!!! I do not know how that got on my consumer report and to make things worse when I checked my Experian Consumer Report XX/XX/23 there a was a inquiry from XXXX XXXXXXXX XXXX on my consumer report like someone tried to get credit or a loan or something from XXXX XXXX XXXX and a loss of points because of the unauthorized inquiry. I feel violated!!! I need Experian to immediately delete the name XXXX XXXX and the number of " ( XXXX ) XXXX " and the unauthorized inquiry from reporting on my consumer report that IS NOT MY INFORMATION!!! And I want my points added back on my Fico score that lowered the fraudulent unauthorized inquiry someone did lowered it. I '' m calling on the CFPB to step in police, supervise, hold Experian accoubtable for the identy identity theft, and fraudulent activity going on in my name and on my consumer report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And one more thing according to 15 USC 1681s-2 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 or other personal consumer reports

I am submitting this to follow up a complaint regarding fraudulent activity on my credit report dated XX/XX/XXXX. After visiting the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. Let me reiterate that, according to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Credit reporting or other personal consumer reports

There as been an incorrect reporting data on my consumer report due to some closed account that i do not have any association with.these closed account was placed on my report without my knowledge and i do not have anything to do with these account nor benefited from them in the past.Incorrect information on my report violate the fair credit reporting act please remove these close account because they are not mine. 

XXXX XXXX XX/XX/XXXX Preferred XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Debt collection

XXXX XXXX XXXX is stating I owe XXXX and I moved out of the residence XX/XX/XXXX owing XXXX even. As of XX/XX/XXXX it is reporting on my credit as XXXX by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN. CO ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my XXXX XXXX  State Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies.

Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report.

Furthermore, I exclusively use my current address, as provided on my valid XXXX XXXX XXXXissued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current
addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ).

Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete.

Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report.

2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Transunion. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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: Debt collection

Dear Sir or Madam, I monitor and take my credit reports very diligently. I was never informed in writing, or for that mattter, verbally, of an alleged original debt from XXXX XXXX XXXX, the supposedly alleged creditor. As a first note, this alleged debt is so old, it is nearly at the statute of limitations for debt reporting and or collection efforts. The alleged debt is as follows : Allegedly Opened in XX/XX/2012 No Account Number Provided ( At All ) Alleged Credit Limit {$500.00} Alleged Amount Due {$800.00} Not possible to owe that much more than a credit limit NEVER notified of this alleged debt 30 Day legal contestable period never adhiered to No Original/Post Written Record Provided Current Alleged Debt Buyer : MSW Capital ( Never Inforened in writing from them regarding anything ) Attempted to dispute denied, based on no verification ( XXXX XXXX, MSW ) XXXX XXXX contacted at : XXXX MSW contacted at : XXXX This is the only alleged negative remark on my credit report Perfect payment history on all accounts Alleged debt never notified of or verified I request your help in having this alleged and bogus item from my credit report in a timely manner. I respectfully and greatly appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The name and address of someone who is not me have been listed on my Equifax credit report for several years. I have filed at least 4 disputes directly with equifax which are all listed as resolved but have not completely addressed the disputes. On the Equifax website, I am able to dispute the name ( which is accurate ) but I am not given the option to dispute the listed alias ( which is incorrect ). Each time I dispute the current address ( which is incorrect ) my dispute is listed as resovled but the address persists. The earliest disputes filed were back in XXXX and XXXX. They are listed as resolved but did not fix the error. The disputes were filed in XXXX, XXXX, and XXXX of XXXX. My latest dispute with Equifax I have filed additional disputes with XXXX  with greater success, although it required several follow up disputes to clear my record.The latest dispute confirmation number with Equifax is : XXXX