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

I called Big Picture Loan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Big Picture Loan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Big Picture Loan. When my account defaulted they added late fees and interest to the loan. I borrowed {$750.00} on XXXX the XXXX nd of 2021 made XXXX payments of {$100.00}. annual yearly rate 345.09 % finance charge {$2000.00} amount financed {$750.00} after all payments made amount that I would have paid {$2700.00} I am now aware that Big Picture loan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other states. Big Picture Loans, an online installment lender, has agreed to pay {$8.00} million to end class action claims. 
https : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please remove the fraudulent inquiries from my credit report right away. They were made without my permission and are causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Product: Credit reporting or other personal consumer reports

These accounts i want deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Equifax wrong name
Product: Vehicle loan or lease

My name is XXXX XXXX ive been a clear victim of fraud and Identity theft. Somehow a company is charging me for XXXX $ car that i do not own, or know anything about. This fraud had taken away XXXX points from my credit report which was perfect before that. Im going go send this report to all 3 credit bureaus. Im so overwhelmed and stressed I suffer from XXXX Please help me i have literally kept from getting anything on my credit. All for this nonsense to happen. I DO NOT KNOW WHAT DIGNIFI IS, I DO NOT HAVE A CAR, I DONT EVEN HAVE AN LICENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTERS AS CONFIRMATION OF ACCOUNTS PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XXXX XX/XX/2020, I made a lawful request for a free annual credit report as part of a credit card application. I had never made this free annual credit report request before and I made it directly online to Equifax, XXXX  and XXXX. I then received favorable credit reports immediately back from XXXX  and XXXX. My Equifax application was met with a lot of questions to me that made no sense and asked me if I had ever lived at any of the unknown addresses provided to me. I did not know any of the answers of the unusual questions asked of me and I made it clear in my online response to Equifax. Equifax then told me that I would have to write them to ask for a copy of my credit report, which I immediately did. However, the following day I received information that my credit card application had been denied due to damaging information provided by Equifax. On or about XXXX XX/XX/2020, I received a letter from Equifax that I would again need to resubmit my free credit report application to them, however, it was at this time that I noticed that Equifax had spelled my name wrong and again referred to information that I had no knowledge of. I immediately wrote back to them clearly pointing out who I was, my real name and the fact that I did not appreciate Equifax reporting false information about my credit history. They never responded. I wrote them again on XXXX XX/XX/2020 and again they refused to respond. I am sure I am not the only one that they have pulled this crass stunt with. Please investigate this malfeasance on the part of Equifax.
Product: Credit card or prepaid card

Chase Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the Chase account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation but, I do not believe any of the the 3 credit reporting companies were provided the correct information by Chase with no evidence of the recording ( which Chase tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Product: Checking or savings account

I have been trying to close my account for 3 months. I'm locked out of my account and they refuse to reset my password, reason being I can't provide them with a debit card they had sent me. I had never used the debit card so I disposed of it. I no longer have it. They've just been yanking me around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Bank of America has violated several of my rights as a consumer. 
Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation. 

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option. Thank you for your time and prompt action to help me remedy this
Product: Mortgage

Quicken Loans failed to notify us of a deficiency in our escrow account for over 7 months. Rather, they notify us by mail that our mortgage is going up hundreds of dollars -- their excuse? " We have 2 million loans and don't always catch an unorthodox tax spike. '' Had they notified us, we would be able to fix the discrepancy with the real estate tax but because they waited so long, the consumer suffers. Being a big company is no excuse for abiding by RESPA, nor is it an excuse to engage in predatory lending behaviors and unfair business practices.
Product: Money transfer, virtual currency, or money service

paypal keeps giving the run arounds on something Order # XXXX Cancelout around XX/XX/2019 with XXXX XXXX for website Guarantee 10 people sign-ups.Instead he sent me boogus traffic of XXXX hits and no sign-ups on opt link.so i told paypal to cancel and XXXXBut Paypal close my dispute refuse to get my money because i didnot open or say excalate, but i did paypal refuse my claim.Plus payal and allow this company and capitalone debit my account $ XXXX.WebCraftde and there email : XXXX XXXX is XXXX my Mastercard last 4digits # XXXX .So far i been charge $ XXXX.and paypal did transaction REFUSED me for Refund.The name shows up on paypal is Whamsoft paypal gave me Refund of $ XXXX.on XX/XX/2019 But paypal charge me for samething XX/XX/2019 saying automatic payment..Why is it paypal, XXXX, all refuse to give refunds but the Victims all got to spend so much time an we dont get anymore money back.I think for this issue against paypal i should get $ XXXXRefunded backfor bull XXXX and my next complaint be on anouther item paypal Refuse to to give refund got charge twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Global Lending Services has accessed my credit report from XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a violation of my rights.
Product: Mortgage

On XX/XX/2018, Mr. Cooper was paid off, in full, upon the sale of my house by the attorney & title company. They have misapplied the payment due to their error after having first told me that they 1 ) Never received the check, despite having signed for the Overnight envelope 2 ) said that though they may have received the check, it may have not had my name / account number on it -- so they would have destroyed it 3 ) incessantly calling me at work now to say they are reporting me late and will begin foreclosure process, even though they are " researching '' this issue. 4 ) Have taken no measurable action to correct this issue which has driven my credit score to less than 600 and is impeding my ability to find other housing. 

They have now stated that they believe they credited the wrong account, but are still investigating. My attorney sent them a letter, but it does not seem to have expedited the resolution of the issue. I also believe that they attorney & title company were negligent in not confirming receipt of the payoff or processing it by wire transfer vs. a seller provided third party check. 

They are not overly concerned with assisting me in this matter, they have no sense of urgency and they have added a {$25000.00} fee to my loan balance, according to my online loan access?? They have not disclosed what that fee is for or when they will remove it due to their errors. This makes me extremely nervous. The buyer of my house will be listing the property soon to resell after upgrading the house and I am nervous that I will be sued due to lack of clear title to the house I sold. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/197XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit World Services DID NOT remove the account from XXXX  it still is showing in active collection as of yesterday. XXXX  was called and I was told it does not take this long to remove an account especially if the were notified in XX/XX/XXXX as Credit World states.
Product: Mortgage

This is my 2nd Compliant, which I have also filed with the Civil Rights Justice, regarding the Home loan modification completed by Bank of America, which was predatory and caused financial injury, as it caused my home to go into foreclosure, as it was ultimately not sustainable, due to the excessive fees, high interest mortgage, which I believe was higher due to my race, as well as the forced insurance which was not needed, as I already had insurance. Bank of America, I felt did not attempt to work with me, but instead sold my mortgage yet to another company. The dates are roughly between XXXX  to XXXX I would like this investigated. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX of XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX  account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card through Comenity Bank. I receive my once a month XXXX check on the first of each month so I pay my bills as soon as I can. I had a balance of {$48.00} on XX/XX/XXXX. I made my minimum payment of {$35.00} on XX/XX/XXXX, my due date was XX/XX/XXXX which should have reduced my balance to {$13.00}. Comenity bank charged me a {$35.00} late charge on XX/XX/XXXX. I have called several times trying to work this out with them and they have refused to remove the late charge and would not except my payment of {$13.00}. They say that my XX/XX/XXXX payment was applied to the XXXX statement!! How can they apply a payment I made in XXXX to XXXX? Now every month they are charging my account a {$35.00} late fee and interest and refuse to accept my payment of {$15.00}. I added {$2.00} in interest just trying to be fair of the amount I owe them. I have tried and talked to several different people and supervisors at Comenity Bank but they refuse over and over to correct my account or accept payment for what I owe. As of today 's date, they are staying my balance is over {$100.00}! Now I am afraid that this is going to ruin my credit report rating. I have never had a late payment on my account with Comenity Bank!!
Product: Debt collection

I served on a lawsuit for debt that I asked to be verified in the past but the collection company couldn't produce any original contracts with the original company to prove that I even owed the debt. I asked them to stop contacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Citizen 's Pay confirmed that funds were returned to them from two different lenders ( XXXX XXXX and XXXX XXXX ) due to a loan that a dental office ( XXXX XXXX XXXX XXXX ) took out fraudulently in my name. I filed a police report regarding this matter and received a voicemail from a supervisor at Citizen 's Pay named XXXX on XX/XX/year> at XXXX. This Supervisor requested that I call him back at XXXX. I called that same day and spoke with another representative who confirmed that there was a balance on my account of funds that were due to be returned to me. Citizen 's Pay owes me {$1200.00} and has not returned this amount. The representative who confirmed this requested that I email XXXX with the police report and informed me that I would hear back from a supervisor that same day. I emailed them on XX/XX/XXXX at XXXX with the police report regarding the fraudulent loan. I never received a response to this email and I never received a call back. I called Citizen 's Pay on XX/XX/year> at XXXX and again at XXXX. Their representatives claim that someone called me back on that day but I never received a phone call. I called again today and tried to reach a Citizen 's Pay supervisor but was transferred to 6 different phone numbers and told to wait on hold. I was then told a supervisor would get back to me either today or within 1-2 business days. After being on hold, one of the representatives hung up on me to avoid connecting me with a supervisor. It is clear that this company is trying to avoid returning the funds in the amount of {$1200.00} which it owes me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>