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

Received email marketing for a PPP loan through XXXX on XX/XX/2021. Hit link in email, took me to the PPP Loan page where it asked for my personal information. I submitted application and I was approved. I do not recall receiving a disclosure of terms or conditions to review and accept online. 

On XX/XX/2021, re-payment for the loan was already happening, XXXX was deducting payments from transactions made through my square business account. This prompted me to call XXXX when I saw loan payments reducing my transaction amounts. 

I was notified by the XXXX customer service that the loan was not a PPP loan, but a line of credit that would be paid via XXXX transactions. 

When I was told this was not a PPP loan, I asked to cancel the loan and return the money, because it was something I did not want nor what I thought I was getting. 

I was told it was too late to cancel the loan because 2 business days had past and I would be charged the {$370.00} dollar origination fee and could either make regular payments to repay the loan or pay the entire amount, but I would still be charged the {$370.00}. origination fee. 

I do not feel this is fair as a consumer and I also feel this false advertising and " Bait and switch '' marketing technique and practice violates the UDAAP " Unfair Deceptive or Abusive Acts and Practices '' protections that I am guaranteed as a consumer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; PXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> I called the company LexisNexis and spoke to someone to report the fraudulent incident. They were requiring me to provide my full social security number or full license number. I did not feel comfortable providing that and they refused to go any further. I then said that I would report it to the Consumer Financial Protection Bureau, and hung up.
Product: Debt collection

The initial bill was for a legitimate medical fee. XXXX and XXXX XXXX could not agree on which insurer was responsible. Time elapsed. Finally paid the bill but check was returned to my bank. Subsequently have received multiple letters from a collection agency even though I paid the bill on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute with Equifax 30 days ago and have not heard or received any update. I called in and was told they never received my dispute. Please accept this as my dispute. This is to ensure that you have received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Debt collection

I was never provided any written statements in regards to any medical  debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.
Product: Debt collection

I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for Speedy Cash, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by XXXX, XXXX XXXX XXXX. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,
Product: Money transfer, virtual currency, or money service

Yesterday I tried using Wise transfer to make a local transfer. I selected ACH, made a payment of {$40.00}. But to my surprise after many hours, I got an email saying my account has been closed, but when I checked my bank account, they already took my money. And the transfer was never made.
Product: Debt collection

Credit Bureaus reported inaccurate information in violation of due process as outlined in the statute below. Credit Bureaus reported late payments and I have never been late on any payments.

15 U.S.C. 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report, via USPS certified mail tracking # XXXX. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent utility bill with my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has failed to provide any investigation results. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement, denying me my consumer rights. I am including a copy of my dispute letter sent to Equifax and the USPS certified mail proof of delivery as evidence to support my claim.
Product: Student loan

I was misled by a Great Lakes and I paid my education loan and the company has proof.When signing for school everyone is offered two loans. As you will notice on document 1.1 a subsidized loan is {$1700.00} and an unsubsidized loan is {$3000.00}. Not every student wants to use these benefits and are mandated to sign a form such as document 2. This form states that I did not want the unsubsidized loan. I received a check on XX/XX/XXXX of {$4000.00}. Obviously this check was way more than what I had signed for, I called the company that sent the check and statement known as Great Lakes bank. This company told me the check was for both the subsidized and unsubsidized loans. Even though I did tell them I signed the form, they told me they told me the only way to fix the issue is to cash the check and pay back the unsubsidized loan. The amount is less expensive if the student pays a set loan off early, so the full amount owed was only {$2900.00}. Document 1.1 also shows the confirmation number I received when I paid the loan off with my debit card and document 1.2 shows the where it came out of my bank. A week later I called my school to pay my tuition with the {$1700.00} I had left on the check. I was then informed that I still owed {$2900.00}. Within the conversation with the student aid we found that the batch check I received was for my federal student pell grant and the loan of the subsidized loan, document 3 breaks down the check and shows I never received an unsubsidized loan. When I called the Great Lakes Bank I was informed the associate told me wrong information and that I did not have an unsubsidized loan nor did I ever ; therefore, the agent told me I would receive a refund of {$1200.00} and the {$1700.00} would be paid off. Document 4 shows I did receive the refund amount. I paid the school out of pocket with the {$1200.00} and the other {$510.00} for tuition. 
In XXXX I checked my credit score to see that the Great Lakes account was still open, so i called to see why it was not yet closed. I was told the subsidized loan was deposited into my account without my knowledge on XX/XX/2019. I have sent in my bank statement which is document 5 and a letter stating that I never received such payment document 6. I have even done a three way call with management from Great Lakes bank to verify. The Great Lakes bank says that they have confirmation that my bank does indeed have the amount which is document 7-8. ( I applied the notice to email because I was not sure if it was important. ) Even if my bank has the amount, it's not in my account and I have proof of that. The company refuses to adhere to my information and believe it is up to me to find the money. Since it's not my fault I should not have to pay another {$1700.00}. I have a few of the managers phone numbers and emails. The company 's phone number as well. PLEASE contact me and I will provide any information that is needed.
Product: Debt collection

They call multiple times a day and when I ask them to stop or contact me only through mail delivery they hang up. I am not sure who they are but the company is SIMM ASSOCIATES.
Product: Credit card

My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.
Product: Checking or savings account

On XX/XX/, at XXXXXXXX XXXX I received a fraud alert text from my bank ( USAA ) with three transactions. One of the transactions listed was made by me, which was a {$68.00} purchase at XXXX XXXX XXXX XXXX, VA. The second transaction was a {$100.00} purchase at a XXXX in XXXX XXXX, Maryland. The third purchase was a XXXX purchase at the same XXXX in XXXX XXXX, Maryland. I called USAA immediately after receiving this text to have my card canceled and file a fraud report to have the money that was taken ( XXXX ) refunded. I learned that the card was already turned off when the XXXX was attempted, so that money was not lost. On XX/XX/, I received notification that my claim was denied with no explanation why it was denied. I then called USAA ( I believe on XX/XX/XXXX -- I was in XXXX XXXX when the claim was denied and returned to the United States on XX/XX/XXXX ) to request the information that was used to reach the decision with the intent to file a report with the CFPB. The customer service representative instead had me file a second report to dispute the original decision. I received notification that the second Fraud report was denied on XX/XX/XXXX XXXX XXXX This representative I spoke to prior to the second report also provided me with additional information. After the {$100.00} withdraw, the person tried to check the balance of my savings account from the same location in XXXX XXXX, MD. I do not have my savings account attached to my ATM card and this is what triggered an alert and had the card turned off. There was then an attempt to check the savings balance from NJ, which also failed because the account is not linked to the ATM card. After they could not see the savings account balance, the attempt to withdraw the XXXX was attempted and failed due to the card being turned off. The second rejection stated that a chip was used, so it was not a fraudulent transaction. However, there is only one ATM card for my account, and it could not be in XXXX XXXX, VA ; XXXX XXXX, MD ; and NJ at the same time. I also would have no need to check the balance of my savings account because I can see it on the mobile app ( and know it is not linked to my card ). Even a cursory review of my account activity would show that I frequently make transfers to and from my savings account via the mobile app and would use that method to check the balance and/or access my savings account.
Product: Credit reporting

I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered XXXX  accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the XXXX account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax isnt fixing my credit report after I send in important documents to have XXXX accounts blocked and they are still showing on my credit file in my name which are XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter XX/XX/2021 today is now XX/XX/2021 Equifax has not responded in the 30 day timeframe therefore I want accounts closed and deleted. Equifax violated 15 usc 1681b permissible purpose of a consumer report. I, the consumer never gave them written consent to report anything on my consumer report nor buy sale or trade my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this inquiry immediately. 

XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were made on my XXXX, XXXX, and Experian credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. 

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

Dear Sir or Madam, This letter is intended to request the credit bureau to remove a negative mark that was annotated on my record. In 2016, my XXXX XXXX XXXX XXXX XXXX account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX XXXX of registration cancellation