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

On XX/XX/2018 Conns fraudulently submitted a payment for my loan to my savings account resulting in a non sufficient funds fee of XXXX XXXX dollars. I called Conns and was quoted a higher balance than I was suppose to have. I spoke to a representative at Conns about this matter. The representative advised me that due to them processing my payment and it returning due to lack of funds that the zero interest option would no longer be available and that I was now responsible for paying the interest on the account. I explained to the representative that I made my payment via checking account as I have done with every other payment prior to this one and what was the reason for them processing my payment via savings. The representative advised me that I chose the savings option for payment on the automated line. Be advised that the automated line system makes long pauses while making choices to process your payment and could of incorrectly have taken the payment in the wrong way. The representative advised me to send my bank statement in showing that I had the funds available in my checking account when I made the payment and that they would conduct a investigation. I called back several weeks later and was advised that although the funds were in my account they werent going to remove the interest. I feel that this was a deceptive practice by Conns to ensure that I paid interest.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for reporting an unverifiable and inaccurate dismissed XXXX  XXXX bankruptcy on my credit report. 

The details are : Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/scrub>XXXX Court Name Listed : Federal Closing Date : Not Provided After conducting an official PACER search, I have found no verifiable record matching what Equifax has reported. Credit reporting agencies do not receive bankruptcy information directly from the courts, meaning Equifax 's reporting is inaccurate and a violation of 15 U.S.C. 1681e ( b ) ( FCRA ).

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to a fair reinvestigation. I have previously disputed this bankruptcy, and Equifax has failed to provide direct evidence from the U.S. Bankruptcy Court, making this a willful violation of federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified several items that are erroneous and require your immediate attention. The discrepancies are detailed below : XXXX XXXX XXXX XXXX XXXX I request that TransUnion investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

[ Item 1 ] : [ Description of the inaccuracy, such as incorrect account balance, wrong account status, dates, etc. ] I request that TransUnion investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any documents you are enclosing, such as receipts, statements, or correspondence with creditors ]. 

Please conduct a thorough investigation into these matters and provide me with a written explanation of the results. Additionally, I request that you notify me of any changes made to my credit report as a result of your investigation. 

I understand that you have 30 days from the date of receipt of this letter to complete your investigation, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. Should you require any further information, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Like I said, there was fraudulent activity going on when I had lost my phone they claim that I was in possession of my phone, which I was not, and I clearly stated to them, but somehow they decided that I was and pretty much declined. Anything I had to say And now I made a claim with my bank and they are doing an investigation on it also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXXXXXX XXXX  with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX  with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. 

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Product: Debt collection

WHILE ON XXXX XXXX IN XXXX, MY EX WIFE FILED A FRAUDULENT POWER OF ATTORNEY WITH USAA. NOT UNTILL IN XXXX DID USAA DISCLOSE THE EXISTENCE OF THE POWER OF ATTORNEY WITH USAA. ALTHOUGH SHE WAS MY WIFE, MY WIFE FILED THE FRAUDULENT LEGAL INSTRUMENT TO OBTAIN USAGE OF THE CREDIT CARD WITHOUT MY CONSENT. 

USAA PROVIDED THE FRADULENT POWER OF ATTORNEY TO MYSELF AND AS OF MY LAST CREDIT CHECK, I DISCOVERED USAA LISTED THE DEBT AS A NEW ENTRY LAST MONTH. 

THE STATE OF CONNECTICUT HAS ALREADY FOUND THAT MY EXWIFE HAD ALREADY ENGAGED IN ACTS OF FRAUD REGARDNING SIMILIAR SUBMISSION TO STATE AGENCIES AND FINANCIAL ENTITIES.
Product: Debt collection

They have called me 20 times since last thursday. This is harrassment.
Product: Credit reporting or other personal consumer reports

Sent to : XXXX  CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my XXXX  Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXXXXXX XXXX, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is XXXX CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, XXXX, and Equifax are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I believe unauthorized accounts and inaccurate information have been reported on my credit file. Despite my efforts to correct these issues with the credit bureaus and creditors, the inaccuracies remain unresolved. I am providing supporting documentation to assist in resolving this matter. 

Specifically : XXXX XXXX XXXX : This account has been fully paid off, and I have the title and a payoff letter to confirm this. However, it continues to show a balance of {$32000.00} with a " XXXX days late '' payment status. I am requesting this account be updated to reflect its paid-off status or removed entirely. 

XXXX XXXX : This account has also been fully paid off, and I have the title and a payoff letter to confirm this. It incorrectly shows a balance of {$80000.00} with a " charge-off '' status. Please update this account to reflect its paid-off status or remove it entirely. 

All Credit Card Accounts : Multiple credit cards listed on my report are inaccurate or unauthorized. I request that all of these accounts be investigated and removed pursuant to 15 U.S.C. 1681c-2 ( a ). 

XXXX Bank Mortgage : This mortgage account inaccurately reflects late payments as " XXXX days late. '' I have made efforts to remain compliant with this loan, and I request these late payments be removed or corrected. 
Bankruptcy on TransUnion Report : The reported bankruptcy is inaccurate and should be deleted immediately. 

I am requesting the CFPB 's assistance in ensuring that these inaccuracies are corrected and that my rights under 15 U.S.C. 1681c-2 ( a ) are upheld. Supporting documents, including payoff letters, vehicle titles, and dispute correspondence, will be provided upon request.
Product: Checking or savings account

I faxed a request to close account with notarized statement and copy of My drivers license on XX/XX/2020. ..No response My personal bank XXXX XXXX XXXX XXXX XXXX Oregon Faxed a second request on XX/XX/2020No results A third request was Faxed on XX/XX/2020 No results A call was placed on XX/XX/2020 was promised a call back and I have not heard anything. My Account is with BBVA of XXXX aL If you need account # please call me at XXXX XXXX XXXX Please help I Don't Know what else to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX Bank BBVA CompassXXXX XXXX XXXX XXXX Al XXXX
Product: Credit card or prepaid card

Allys customer service truly XXXX! I was approved for a credit card about 2 weeks ago and today when I called, the customer service rep I spoke with refused to give me any account information even though I am the account owner. I explained that I was approved for the card and received a notification stating that I would receive a card in 7-10 business ; with the contingency that it make take longer because of delays the company was experiencing. The agent I spoke with could have cared less! I asked for my account number because this wasnt given to me and she said no, stating it was company policy. I asked when was I going to receive my card and she said it was mailed on XX/XX/2023. I asked for the tracking number and she said I cant provide you with this information because USPS doesnt provide tracking numbers. I asked why I was having issues with setting up the app, and she advised you will have to wait to activate your card and then you will be able to set up the app. WHAT KIND OF YANKEE DOODLE, ANTIQUATED, OUTDATED COMPANY IS THIS???!!! At this point, Im not sure I really want an account because of the lack of competence in relation to customers being able to access their account information after they have verified their account! I feel like the person I spoke to simply didnt want to do her job and instead lied to me ( i.e. treated me like a crash dummy ) because 1 ) once your account is verified most companies will provide you with your account information, 2 ) USPS provides tracking numbers on postal mail so that you can track your document and/or package dependent on how it is shipped, and 3 ) when customers call in they shouldnt have to keep asking for additional information because agents do not want to do their job! I also asked the agent to verify my address to make sure it was being shipped to the right address and even with this simple request, I had to ask multiple times!! My experience thus far, has been the equivalent of a clown show! I definitely will not be wasting time referring anyone to engage/or give Ally their business because it is simply not worth it!
Product: Credit reporting or other personal consumer reports

I received notification today, XX/XX/XXXX that I have XXXX new credit inquiries that were submitted today, XX/XX/XXXX. 

I did not submit an application and I have been notified also by XXXX XXXX earlier this week that new credit cards have been requested in my name. I had to change passwords to banking accounts and etc.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and tried to open several accounts and wrote several fraudulent checks. Every company recognized that it was fraud and closed down the accounts. However, XXXX department store, shut down the first account that someone used fraudulently, as I asked them to, but XXXX opened a new account without my permission, and there were more fraudulent charges on that new account. I even talked to someone at XXXX who told me that they/ the people who stole my identity, purchased lawnmowers and other items on that account! I called XXXX and synchrony to dispute these new charges and also filed a dispute on the credit agencies, but XXXX would not shut down the account, even though they recognized fraud the first time. My credit score dropped XXXX points of the last XXXX years, damaged my credit and my ability to buy an home and they still refuse to shut down the account and remove it from my credit score. On Wednesday, XX/XX/year>, I filed another dispute with the credit agencies and it looks like it was updated today on XXXX, but it was not deleted from my credit report. There is an open felony charge on the person who stole my identity, which I attached to the credit report dispute. I also uploaded documents from the detective here in XXXX as well as from the United States postmaster general. I believe they are now in violation of the law by not deleting this from my credit report after supplying them with these XXXX documents ( attached here, as well ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I used the online company Coinbase for two transactions on XX/XX/XXXX : Transaction 1 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$220.00} Transaction 2 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$360.00} Both transactions were supposed to be direct deposited in USD into my bank account on XX/XX/XXXX. They were both marked as complete but I never received the bank deposit. I opened up a support case on XX/XX/XXXX ( case # XXXX ) and never received a response. I also was never able to reach the company via phone. 

I am willing to provide bank statements proving this amount was never deposited.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for XXXX and Experian totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX   eventually put this back up.
Product: Vehicle loan or lease

This time Im hoping that you will take this seriously and help me with this issue. I have repeatedly asked them to not pour the monies that Im giving them towards my loan. I have made arrangements to pay at the end of the month {$590.00} towards my back pay and {$590.00} on the third of the month for my car payment. These people refused to abide by their own terms and they still trying to not put any of the money towards the back car payments. This is not helping me and why would I keep paying them and the situation is not resolved. Maybe now that yall are back yall can take a serious look at the complaints coming through and help us. Because last time I checked this company is supposed to help the consumers not the company itself. These companies lie and manipulate yall into thinking theyre doing what was told to them theyre not. So maybe you can dig deeper and help us this time around. These are predatory loans and you all know that. According to your site you j know that this company uses scare tactics and manipulation, yet youre not doing anything about it so that others dont get caught up in this fiasco.
Product: Credit reporting or other personal consumer reports

To the Experian Team, This letter represents my final effort to resolve these issues amicably before I proceed with legal action. I have already initiated legal proceedings with the assistance of my attorney, XXXX XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, available at ( XXXX ) XXXX. This communication is intended to provide further undeniable evidence of Experian 's non-compliance and infringement of my rights. 

I am writing to convey my profound disappointment and serious concerns regarding the handling of my disputes, specifically related to the XXXX account with Reference XXXX XXXXXXXX and the XXXX XXXX account with Reference XXXX XXXXXXXX. The consistent dismissal of the legitimacy of my disputes and the apparent use of delaying tactics by Experian are deeply troubling. The recent skepticism expressed by your team about the submission of my disputes only further demonstrates a dismissive approach. I have diligently provided all necessary identification, including my Social Security number, ID, and a utility bill for address verification. It is both unjust and unreasonable for Experian to disregard these evident facts. 

I possess undeniable proof of my dispute submissions. The dispute letters were sent via certified mail, traceable with the number : XXXX. The USPS tracking indicates that the item was picked up at a postal facility on XX/XX/2023, at XXXXXXXX XXXX in XXXX, TX XXXX, confirming delivery to your facility. Additionally, I will attach the email from Experian, perceived as a stall tactic, to ensure the Consumer Financial Protection Bureau ( CFPB ) is fully informed about how my case is being handled. I will also include the previously sent letters, comprising the dispute letters that were overlooked, to aid Experian in thoroughly reviewing and processing my disputes related to the XXXX and XXXX XXXX accounts. 

My demands for resolution are clear and urgent : I insist on the immediate removal of the disputed accounts the XXXX account with Reference XXXX XXXXXXXX and the XXXX XXXX account with Reference XXXX XXXX from my credit report, as they do not comply with Metro2 reporting standards. I respectfully yet firmly urge Experian to : Acknowledge the receipt of my dispute letters, corroborated by the provided tracking information. 
Cease employing delay tactics and address the concerns I've raised promptly and equitably. 
Remove the disputed XXXX and XXXX XXXX accounts from my credit report as a definitive resolution. 
Failure to adequately address these issues will compel me to escalate this matter further. I implore you to uphold my rights as a consumer and give priority to resolving this matter. 

Thank you for your prompt attention to this significant issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. 
They said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. 
Also that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. 
They said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.