23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : 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. 
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : 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. 
3. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : 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. 
5. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX  Account Number : 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. 
6. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

According to the statue of limitation, in Arizona, the collection agency listed below posted an invalid account on my credit report of {$1000.00} on XX/XX/XXXX regarding a loan with Allied Cash Advance based in XXXX Arizona. I haven't lived in Arizona since XXXX, which clearly discredits the account that was wrongfully posted on my credit report, and in violation of the unfair debt collection practice which has a limit of six years. 

The reporting collections Agency is XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Contact ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

This company has not reported since XX/XX/2021 and the customer service is being on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was ( XXXX ) days late in 2020 on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX  for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX as well as the bank to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt or credit management

They charged extra ordinarily high fees prior to fixing my credit and no changes were made. These fees were paid upfront and they were not supposed to. I was a member from XXXX
Product: Debt collection

I sent a debt validation letter to Creditors Bureau USA. On XX/XX/21. Each time the company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of XXXX Regulations. I never signed a XXXX form authorizing them to have access to this information. Please delete this information from credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX, 2022 on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.
Product: Checking or savings account

DirectExpress has my card locked for two months what ever they tell me to do I do but its not satisfactory for them in the meantime I have no money and Im about to be homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XXXX- prior to  filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

SEE XXXX. FOR ID Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1800.00} No. of Months ( terms ) : XXXX High Credit : {$1900.00} XXXX XXXX : {$1500.00} Past Due : {$1800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor XXXX, Transunion and XXXX is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX  XXXX
Product: Mortgage

I have already submitted a complaint about this but have not received a satisfactory response from Chase. 

We closed lated. PERIOD. And the response was that it was our fault that underwriting didn't have the full package from us when there was NO PHYSICAL POSSIBLE WAY for us to submit documents that WEREN'T REQUESTED or when our PORTAL DIDN'T HAVE TASKS TO SUBMIT. 

Chase stalled the process and then blamed it on us for not PREDICTING what documents they needed? 

What does the Closing Guarantee guarantee? Because we closed late. So an on-time closing was not a guarantee. Sad that this is how Chase treats their clients. We did everything that was asked and did it promptly, we closed late because it was Chase 's fault, but Chase thinks it is our fault that they didn't get the " complete package '' from us. What a scam.
Product: Credit card or prepaid card

I received an alert that a us bank credit card was applied for today. My identity was stolen as I did not do this
Product: Credit card

Rewards were supposed to accrue at XXXX % for everyday purchases and XXXX % for other purchases after a threshold of {$6500.00} is reached for the year. I reached it in XX/XX/XXXX/XX/XX/XXXX, yet AmEx continued to only apply XXXX % to everyday purchases and XXXX % to all other purchases. XX/XX/XXXX I contacted AmEx customer support, and they opened a case, promising to correct the rewards within 4-8 weeks. Checked back two months later, and was told the initial case was closed the same day it was opened with no resolution, with no explanation why. Another case was opened with a promised resolution by the end of XX/XX/XXXX, wasted time numerous times following up, and as of now there has been NO resolution - rewards earned in XX/XX/XXXX have still not been awarded a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Consumer Loan

I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXXXXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.
Product: Mortgage

I applied for mortgage deferment during COVID in XXXX. My deferment was approved and I was provided both the written and verbal communication that I will be allowed to modify my load and defer these 3 months payment to the end of the mortgage. I resumed my payment in XXXX. 

My account continues to show not current and that I owed the 3 months of balance. I had tried to resolve this with Wells Fargo and they had provided written confirmation on on XX/XX/XXXX and XX/XX/XXXX that the deferment has been approved and the balance will be tagged toward the end of the mortgage terms. 

My account continues to show that I have a 3 months balance and not current and I am not able to even pay my monthly mortgage online. I had escalated this to Wells Fargo executive team and have been working with XXXX XXXX, XXXX XXXX. 

I spoke with XXXX on XX/XX/20, XX/XX/20, XX/XX/20 to discuss the letter and why. my account is still not showing current and I can not make mortgage account online using my joint Wells Fargo Checking account. He told me that it must have ben a technical glitch and to wait till close to end of XXXX and early XXXX to see whether they have been updated. I called again on XX/XX/20 to discuss this issue and again left a voicemail on XX/XX/20 to request a call back to resolve this issue by end of business XX/XX/20 and till this date, I have not received any response from Wells Fargo and my account is still showing with a 3 additional months balance and I am still not able to make online payment. 

Wells Fargo continues to make mortgage payment difficult which poses hardship to home owners especially during the COVID pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX 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 XXXXXX/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 XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX