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

I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX  from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXXI HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY XXXX, EQUIFAX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I connected with someone on XXXX who had a profile as an instructor at the XXXX XXXX XXXX University in XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the ASA/FMC account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward sending bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. So I let Bitcoin of America, the bitcoin company that I had purchased all of the bitcoins from and had them sent into the wallets he sent me, by filing a request for assistance from them online so I could get either the money or actual bitcoins back in my possession. They have never responded and that is what this complaint is about. Because I have had no help from them or the credit card companies ( which I will file separate complaints about ) I am stuck with approximately {$100000.00} in debt. 

Here are the dates and amounts of the funds sent through to him via Bitcoin of America : XX/XX/2020 -- {$17000.00} ; XX/XX/2020 -- {$4000.00} ; XX/XX/2020 -- {$7500.00} ; XX/XX/2020 -- {$4500.00} ; XX/XX/2020 -- {$7000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5900.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$3000.00} ; XX/XX/2020 -- {$1600.00} ; XX/XX/2020 -- {$1600.00} ... total = {$58000.00}. I am missing the receipt for another smaller amount I sent through on XX/XX/2020. 

The remainder of the debt I incurred involved him having me send a cash transfer to a bank account of someone in Texas that he said was a bitcoin escrow account, buying 5 XXXX and sending them to a shipping company in Illinois that he said would sell them and send him 75 % of the proceeds as bitcoins and 5 or 6 gift cards, 3 of which he had me send the information through to someone who was supposed to be his software developer updating his cell phone software and 2 of which he had me send through to him while he was allegedly on his way home.
Product: Credit reporting

Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : 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.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 or other personal consumer reports

Experian responded to my complaint pretending not know what I complained about to the CFPB, but there is only one item on my credit report that I am disputing. My complaint is that I disputed this same false information with Experian amost two years ago, but Experian has put it back on my credit report again. This is double jeopardy and illegal. So here is the information that they already have that they claim that they do not know. Account name : XXXX XXXX XXXX XXXX amount : {$950.00}. Original creditor : XXXX XXXX. Report Number : XXXX. Date Generated : XX/XX/2024. I am asking CFPB to send these facts to Experian so they can once again take this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of XXXX XXXXXXXX Compliant reporting standard.
Product: Payday loan, title loan, or personal loan

In XXXX I got a {$1900.00} loan. When I submitted my application it asked for my pay dates which are the XXXX and the last day of every month. Upon review of my loan these were reviewed and agreed-upon. When I received my first statement in the mail my due date was different than my paydays. When I first inquired back in XXXX, there was no explanation. I made a {$600.00} payment. My next due date was in XXXX in which I made a {$500.00} payment. upon that payment I inquired about the payment due dates once again and thats when I was told that their company does not allow for payment due dates to fall in the last day of the month. So I was switched to monthly payments. Then on XX/XX/XXXX I made a payment in the amount of {$330.00}. All but {$24.00} went toward interest. Yet the previous two payments in the amount of {$500.00} and {$600.00} went directly to principal. 
When I made my XXXX payment in the amount of XXXX I asked that it go to principal and they assured me at one. This payment was processed on XX/XX/XXXX however on XX/XX/XXXX they increased my principal balance by {$460.00} and then applied my {$500.00} payment. It took three different phone calls and three different representatives to tell me that I had accrued {$460.00} of interest. Yet when I looked at my account history I had never incurred that much interest in between payments. again no one could really explain this and I was told I would be contacted by a supervisor and that never happened. I even filed a complaint with the XXXX XXXX XXXX and they never responded to their attempts to resolve the situations. 

I called again on XX/XX/XXXX, To inquire about paying off my loan and that I would like to make a payment for the principal amount and I was told that they do not allow that that some had to go towards interest. Again thats not what happened to my first two payments as they werent entirely to principal. I was put on hold while she investigated and of course nobody came back to the line so I hung up and went on their website and decided to pay off the loan in full so that I no longer had to deal with this company. 

I borrowed {$1900.00} in XX/XX/2020 and paid a total of {$2900.00} by XX/XX/2020. In four months I paid an extra XXXX dollars. I was never made aware of the interest rate every time I logged into my account the interest rate state XXXX XXXX I inquired about the interest-rate via email and of course the representative never got back to me.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Checking or savings account

I had a phone I rarely used and it got stolen and didn't know it till the day it happened when I got a text from cashapp saying my devices were removed and a debit card added and my cash pin reset on my cashapp and as soon as I saw that I immediately called cashapp and explained everything and started a claim and in 2 days it was denied saying no error occured because a security pin was used I called them back and explained it all over again and after the 4th time filing a claim within the second day of each they still denied it and I called and told them that they are not even investigating this at all they not looking at the evidence and I even filed a police report and gave it to them still denied so quickly... this occured XXXX about XXXX a.m as they stoled {$150.00} from my acct but cashapp refuses to investigate thoroughly and only come back with the same conclusion that no error occured cause a safety feature pin was used ... .I feel I have been let down by cashapp and I been a good customer to them for nearly 3 yrs with direct deposit also and I have done all I can do at this point cause cashapp is defiantly denying me cause they don't want to pay it and they have all the evidence right before them and I even told them ... .maybe you can help me get my money back or tell me what else can I do because I am not gon na let this go and I even told cashapp that?? Had they sent me a code to my phone this would had never happened and I have the 2 factor set up
Product: Student loan

I was making loan payment of my student loan to my federal student loan provider ED Financial everymonth thru my checking account. I had made XXXX payments of {$500.00} on XX/XX/XXXX. The provider has not acknowledged the receipt of these XXXX payments. However my payment on XX/XX/XXXX has been acknowledged as well as payments in previous months. I have included proof of loan payment below. 
XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7200.00} XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX sent formal request for free Experian 's annual credit report via XXXX priority mail via tracking no. XXXX, which was received on XX/XX/2024 at XXXX by credit bureau with name change documentation to update my account. At this time the Experian app reported my XXXX score as XXXX coupled with my account reflecting all associated accounts, installment loans, credit card accounts, vehicle loans, as well as personal loan. The Complainant was in the process of conducting a transaction that require the report and all vital information. 

On XX/XX/2024, Experian erased my entire account and failed notified me. This was discovered after realtor had me personally pull my credit profile. 

So I reached out to Experian via various phone numbers to rectify this matter and was unable to be reach or connect with anyone. I was only allowed access to automated systems that continuously redirected to online support which was null and void. In addition, there was NO report of identity theft by Complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX ( inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX  XXXX ( inquiriy date XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This company BCO CONSULTING SERVICES provided me with information for forgiving my student loan. I set up for them take money out of my account to pay the loan. I was told by XXXX that this is a third party company and it was not a good ideal.
Product: Debt collection

I have been contacted by various agencies to collect a debt for XXXX Bank. I found out it was XXXX. I have two years of certified reciepts trying to get debt validation.I was contacted recently by a law firm XXXX XXXX XXXX. They represented to me they were acting on behalf of XXXX Bank. They were dishonest. They were acting on behalf of a debt buyer- Second Round LP. I contacted the CEO XXXX XXXX of XXXX Bank and filed a recent complain with the State of New Jersey. After I told XXXX XXXX I was doing this he sent me verification he did not represent XXXX Bank but a debt buyer. All of his communication say XXXX Bank. He disclosed via mail on XXXX that Second Round LP bought XXXX accounts ( charge offs ) for {$18000.00} or {$2.00} per account. He was representing a debt buyer not XXXX Bank. I further contacted Second Round LP on XXXX/XXXX/15 and they would not give me any information except to tell me that a XXXX in Georgia had the debt and I had to contact them. I am very uncomfortable with the deceptive practices of Second round LP, XXXX XXXX XXXX and XXXX XXXX XXXX law form. They were acting as if they were representing a bank when the bank had charged the account off an they were debt buyers. I have gone above a reasonable expectation to get debt validation. I am in contact with XXXX Bank at this moment but very concerned about what I believe is misrepresentation and scare tactics, bullying by the above companies.I have a long paper trail to support my statements. I noticed that Second Round LP placed a deragotory item on my XXXX report in XX/XX/2015.The attorney named above XXXX XXXX XXXX XXXX XXXX sent me an email stating that was untrue. I have since given him a copy and asked it be removed immediately. I have a copy of this as well.