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

XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card. 

They left out the last conversation I had with them and lied about our last conversation. The line was recorded and I remand you ask LoanMe for a recording of our last conversation where they would not accept my payment due to their inability to process the payment with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a Reinvestigation line by line of the following accounts they were not corrected In Accordance With the Fair Credit Reporting Act. A proper investigation was not done on these accunts because it is impposible for them to be open and closed at the same time. I am really frustrated because of these oversights. These accounts have violated my federally protected consumer rights : XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX. In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. These inaccuracies are a violation of my rights and I want you to delete these accounts.
Product: Credit card or prepaid card

Bank of America prepaid over drafted my account 10k and I never even had the card in my possession I've been fighting then for a year now and nothing has been resolved
Product: Checking or savings account

Approximately XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, accounting Dept during its monthly bank reconciliation of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) operating account they noticed XXXX withdrawals over a 4-day period from XX/XX/XXXX to XX/XX/XXXX of XXXX each transaction to a XXXX XXXX XXXX XXXX  A total of {$43000.00} was Electronically Fund Transfer from XXXX XXXX XXXX XXXXXXXX XXXX  account to a XXXX XXXX XXXXXXXX XXXX  at Chase Bank. 
XXXX is the property management firm under contract to provide accounting and management services to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
XXXX immediately called XXXXXXXX XXXX XXXXXXXX XXXX in XXXX AZ at XXXX left a message and followed up with an email. 
As XXXX is 2 hours behind XXXX  time zone, I did not receive a call back from until approximately XXXXXXXX XXXX XXXXXXXX was informed that it was being turned over to XXXX XXXX XXXX immediately as soon as XXXX signed and returned to an ACH unauthorized transaction dispute form that was emailed me. XXXX signed and sent back to XXXX. In meantime XXXX placed a hold on XXXXXXXX XXXX XXXXXXXX checking account. All outstanding checks will need to be approved by XXXX to process going forward. 
A new account will be opened going forward. 
At approximately XXXX XXXX on Friday XX/XX/XXXX, XXXX contacted me by email that we would need to file an incident report with the local authorities, XXXX XXXX, Florida Sheriff 's Department and the federal government, FBI, which XXXX sent me the link to. 
XXXX did not receive the email until Sunday XXXX the XXXX and the processes were done on Monday the XXXX, XXXX. 
I wish for there to be a thorough Investigation and that charges be brought if/when a suspect is located.

After nearly 10 months, no funds have been returned nor I have had any indication from Chase on this issue via XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Product: Credit card or prepaid card

I have made several attempts to various CSR ( customer service reps ) to make a payment on my card. I thought that my next payment would be small and that I would be able to easily pay-off my balance only to learn that none of my payment attempts were rectified and were ever processed as promised by the multiple CSR 's I spoke with. On XXXX separate ocassions I was told to use another account and the last person I spoke to stated that I can process a payment through my checking or savings and they accepted another payment. Nevertheless, and yet again my account balance was the same and no payment was ever processed. Notwithstanding, I stopped receiving any online ( email ) communication from this company. I was eventually contacted by this company recently and that is when I learned that my account balance status still had not changed. I sent in yet another payment attempt but this time I took the safeguard of recording this payment and I now I must wait to see if this company will process this latest payment sent. In addition, the CSR was to cancel my card and apparently that didn't happen because they sent me a new card which is not what I asked for. Of course I discarded this card, as I intend to never buy from this seemingly dishonest company again. I see from their record others are having various problems with this same company.
Product: Credit card

I signed up for a Kay Jewelers Credit Card and purchased a near XXXX item with it. I came with an interest free period of a year. I was surprised and shocked to be charged XXXX after the interest free period ended. I am not sure I was fully made aware of this fact clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  delaware is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 3 different credit amounts {$2700.00}, {$0.00} and {$2000.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit card or prepaid card

this Bank of the West credit card is third class credit card and a third class bank, I did report a matter to the Bank of the West and I received a call back from customer service, but rather than apologizing they were arguing with me. 

The thing is that bank of the West needs the customer to verify a code which they sent on the customer 's phone when the customer calls the customer service phone number, and if the customer is not able to receive it, they refer the customer to the branch. so this is highly uncomfortable for the customer to go branch for every small matter, I already called Bank of the West XXXXhree times And each time I get so frustrated that like banging the head on the wall. I had two disputes on two different charges with Bank of the West, I called customer service and just like always, they refered me to the physical branch, I sent them a message in the message section of the App and I got a reply that they need my physical signatures to dispute those charges, since then 14 days have passed and I still haven't received any letter from them, I did write to them on the App message section again but they failed to respond.
Product: Mortgage

Why was the home equity loan of credit changed from HELOC to a mortgage in the middle of the service of the loan without informing me?
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my XXXX, Experian, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information. 
Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint. 
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems.
Product: Credit card or prepaid card

I found out my identity had been stolen. Someone used my social security number to open a Pay Pal World Master Card. I reported it to Synchony bank, all 3 credit monitoring businesses, made a police report. Synchony keeps calling. The last call was yesterday, XX/XX/2023 saying they had closed the fraudulent account & were opening a new account & want me to make a payment. This is ridiculous.
Product: Checking or savings account

I been dealing with a business account with fifth third bank since XXXX of last year... 
Since I open my account I had ongoing issues the ATM deposits don't have a deposit date ... they can be in process until they want to... 
They choose with check to cover having the money in the account.. 
And I get charge de returned fee to clear up I get the charge money back The square deposits get returned But these last on XX/XX/XXXX XXXX deposit cash at the teller ..my husband deposit XXXX into the account and I also deposit a check in the ATM in Illinois my account was frozen with any notification I Try to sign into the account to transfer for one account into another and I did nat have access I figure out it's because of the weather I call the bank the explain to me is because of the check to go to the near by location and present where the money came from .and I Did but I was mistreated In top of it.. I was told in a sarcastic way was I was doing in Area if I live in XXXX 
That I counter fit checks.. 
In addition the last remarks was if I sold drugs.. 
I walk away Today XX/XX/2023 went to the bank I had open the account with the prove of everything they asked for ... it was send to the investigation department 15 minutes later I was told to bring more XXXX more to the bank to cover a check they returned.. 

So am out of {$4900.00} and am still waiting on the manager to contacted me...

I was told in 24 hrs it's been over that
Product: Credit reporting or other personal consumer reports

I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with XXXX has been Verified as accurate and updated. 
Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ). 
Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report. 
3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act. 
4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumers Financial Protection Act ( CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Debt collection

I tried disputing through the credit B, then through the creditor. I am currently living in XXXX, Tx and this debt is owed in Mississippi. 
Dates the debt was opened : XXXX XXXX, disputed with no response.
Product: Mortgage

Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made multiples complained to during the past 3 years to XXXX, XXXX and Equifax about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}, XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX Balance : {$160000.00}.
Product: Debt collection

Dear Sir or Madam : PRA dba Portfolio Recovery Associates/XXXX XXXX  are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with PRA once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. PRA is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. XXXX XXXX XXXX/Portfolio Recovery Associates letters/XXXX XXXX  are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX