23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

my payment was returned for reason given .. returned payment - other. I contacted my bank and they advised me that nothing had been presented to them and there was plenty of money in the account to cover the payment and many more if wanted. The account number and routing number I used for the payment had never changed in the last two plus years I 've had the car loan and have used the same number ( saved on their website for easy use ). I resubmitted the payment and attempted to contact the company. I got in contact with a gentleman that was difficult to talk with. When giving my name and information I had to repeat it over and over for him. The loan is in my name and he said I am not on the loan and just kept repeating it. The loan has me as Primary person on the account XXXX XXXX. The guy just refused to speak to me, so now I 'm unable to confirm if there is any issues with account and to find out why they refused to process my payment which I do have confirmation emails showing it was on time and authorization received for it. Now a week later they said payment returned and account late. I want all records cleared for late payment ( if applicable ) and any fees adjusted ( if applicable ) and the employee that spoke with me fired or retrained.
Product: Credit reporting or other personal consumer reports

I am getting deprived off of my opportunities all because my credit scores do not meet their standards. I blame this on the inaccuracies that are being reported on my credit. I sent complaints beforehand and was continuously ignored. I need immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to Hancock Whitney about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}
Product: Debt collection

XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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 updated : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miss you wrong information method of verification Miss use of my information I written in a certified letter to the company, requesting method of verification within 15 days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXXXXXX XXXX XXXX  XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate
Product: Checking or savings account

I have been working with a company called XXXX. I 'm able to get payday loans but my bank have to send them updates of my account. My bank is Chase Bank and they do n't send the updates to XXXX in a timely manner. It slows the process of me getting my loans and I need the loans to pay bills on time. Today is XX/XX/2017 and I needed to pay a bill today before XXXX and I missed my time frame. Because XXXX still has n't received an update. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer USA. After making a bulk payment of {$1300.00}, I asked that the extra amount be applied to principal on the loan. On proceeding bulk payments I continued to ask that extra monies be applied to principal. On more than one payment they continued to allow their system to deprive me of eliminating all principal. I was informed that if I paid all principal on the account I could work something out on fees that I owed. I took the information as legitimate. I would have paid remaining fees and not received a thirty day late on my credit report. For the full length of my loan I received routine courtesy calls. After I made what I thought was my final principal payment, I received no further courtesy calls. I inferred that what I was told about fees not being a part of the regular payment process as being true. My complaints are that I was given false information by a Santander representative, Santander no longer gave me courtesy calls stated on my billing statement and finally, Santander failed to apply my bulk payments to principal as I requested. This poor business practice has left a drastic impact on my credit. They caused my credit score to drop 60 to 70 points across all credit bureaus. All this occurred when I was in the process of refinancing a home. I have no other late payments on my credit report. Once my credit score dropped and the late payment showed up, some creditors lowered my credit limits. Lower credit limits further impacted my credit score. Santander will not acknowledge flaws in their payment system nor will they acknowledge errors made by their employees. I humbly ask for your assistance in rectifying this situation.
Product: Checking or savings account

On XX/XX/23, XXXX XXXX, I deposited {$2000.00} cash into my account through ATM, which is located at XXXX XXXX XXXX. 

I filed a claim on XX/XX/23 through Chase customer service, and it was denied on XX/XX/23 because they did not find any outage of the ATM in XXXX. Unfortunately, I did not get the receipt when I deposited the cash, so the only way to prove my transaction is to check the security camera but It is also unavailable because it is used only for internal purposes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : XXXX. Creditor name : XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX Inquiries : XXXX creditor name : XXXX XXXX Inquiry date : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX.
Product: Debt collection

Calls started on XX/XX/2020. Phone number is XXXX. I answered one call. The man spoke English very badly, I understood very little, but from his speech it became clear that I allegedly owed XXXX XXXX XXXX {$120.00}. I replied that I did not and did not have any debts to this company. I am a client of this telecom operator and I solve all questions in the office of this company. I asked not to call me again, said that it was a mistake and I should not pay anything. after that the calls continued 2-3 times a day. I blocked the number. after which they began to call me from another number - XXXX XXXX and continue to call to this day. also, on XX/XX/XXXX, I received a letter to my current address. the sender is indicated in the letter. Credence Resource Management LLC at XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX tel XXXX. This letter also states that I owe XXXX XXXX XXXX  {$120.00}. I was at the XXXX XXXX XXXX office and showed them this letter. The manager checked my details. this debt is possibly tied to my first XXXX XXXX XXXX account at my first US address. I have not lived at that address for more than 1.5 years and have long since closed the account that had only home internet. I have no debts on that account. I ask you to understand why I receive these calls and letters, although I have no debts and problems with XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to First Financial to get an ATM withdrawal of {$150.00}. When I attempted to get the {$150.00}, the machine informed me that I must withdraw in {$20.00} increments. So I entered {$160.00} ( I knew I was close to my balance, but believed that if I was over my balance, it would let me know if I did not have enough funds. ) The money was issued. I did not look at my receipt to notice that my balance was now - {$9.00}. It took me a few days to notice not only was my account negative, but they charged me an overdraft fee of {$37.00} on my ATM withdrawal. And when additional monthly charges for XXXX XXXX ( {$4.00} ) and XXXX (  {$16.00} ) they paid those and charged addition overdraft fees. When I went to a branch spoke to a branch representative about my account, I asked why would they pay these minor charges then charge me overdraft fee. They informed me that I have an " Overdraft Protection Program '' on my account that allows First Financial to pay incoming charges, but they charge {$37.00} for each occurrence. I told her I never agreed to that and signed a document stopping this practice. ( They automatically add it to your account unless you specifically decline it ... but you do not know it even exists ). This is way to rack up fees at the expense of their customers. Had they declined the ATM ( as most other banks would have ) I would have chose a lower amount than to experience an overdraft fee.
Product: Credit reporting

I have disputed an account from XXXX XXXX XXXX for {$520.00} with Transunion on several different occasions. Initially, the account was held by XXXX XXXX. I disputed it on XXXX XXXX, XXXX through XXXX. ( see attachment XXXX ) And then again on XXXX XXXX, XXXX through XXXX XXXX ( see attachment XXXX ). And each time TransUnion said it meets FCRA requirements. Then, I guess the account was sold to another collection agency because it started showing up under XXXX. And I disputed on XXXX/XXXX/XXXX throught XXXX. ( see attachment XXXX ). I also sent a certified letter to the company disputing the charge. ( see transuiondisputeletter and receipt ... ) Following this dispute, I received a letter from XXXX, sent to my address but addressed to my father XXXX XXXX, saying they received my dispute but " determined that your dispute is not valid, and that the information we have reported is accurate. '' ( see attachment ending in XXXX, XXXX ) They also attached a hospital bill that named my father, XXXX XXXX, as the person who was admitted. ( see attachment XXXX, XXXX, and XXXX ) I filed a complaint with you on XXXX XXXX and I 'm sure you have their response on record. In case you do n't the company said they will launch an investigation. And I received a letter on XX/XX/XXXX saying the investigation was complete and they " verified the account information as well as my name and social security number as being accurately reported. '' I would like to know how Transunion was able to verify this account as belonging. ( see attachment XXXX ). Especially considering XX/XX/XXXX Solution sent me a letter and bill from the hospital that had XXXX XXXX listed as the person receiving services. This ordeal has caused me a lot of XXXX, XXXX, and financial undue XXXX. I am trying to find an apartment and have n't even been able to apply for any because my credit score is not good enough. And I have emails to prove this. I am staying in an apartment that I can not afford because I have no where else to go. And, I have to leave this apartment on XX/XX/XXXX and still have n't been able to find a new one because my credit score does not meet the requirements. I applied for a loan today to consolidate my credit and help with moving expenses, but I was denied because my credit score is not high enough. It is extremely important that this inaccurate information is immediately removed from my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CAPITAL XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX  has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX I HAVE NEVER HAD THIS ACCOUNT AND IT NEEDS TO BE REMOVED ACCT XXXX OPENED XX/XX/year> 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent Inquiries XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021
Product: Debt collection

XXXX I received a text stating that I owed {$330.00} to XXXX for Mortgage payment. I informed Credit Collections I never owned home. Credit Collections text me on XX/XX/25 stating that there was an error and I didnt owe anything. I have XXXX balance with XXXX for Mortgage Insurance. File number XXXX
Product: Credit reporting or other personal consumer reports

I have requested for Rohit Chopra, Director of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. I received my consumer report from Clarity Services , Inc., My Clarity Services Consumer report currently list and show fraudulent bank accounts, delinquent accounts, cell phone numbers, employers and work phone numbers that are fraudulent information and dont belong to me. I shouldnt have any information on my Clarity Services Consumer Report because I was XXXX  at the Minnesota XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. So all of the bank accounts, delinquent accounts, cell phone numbers, work phone numbers and employers listed on my Clarity Consumer Report from XX/XX/XXXX until XX/XX/XXXX is fraudulent accounts and personal information. The accounts and information doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires in question must be investigated and deleted immediately. I would like this in accurate information investigated and removed from my credit profile immediately The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following should be deleted from Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX