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

Applied for and received loan XX/XX/XXXX. Amount of XXXX $ They stated they were taking upwards of XXXX $ out of loan to register and pay any late fees associated with registration. 
i was informed that I will receive registration in mail within 2 weeks. 
2 weeks after I receive loan my car was impounded for lack of registration. 
It took 3 days for me to get a hold of someone at the XXXX XXXX- and I had to inform them that the registration wasnt valid. 
Without my knowledge they taken my car out of the impound around XXXX XXXX XXXX  and dont inform me until XX/XX/XXXX. 
I am fired from my job because my manager, XXXX XXXX, doesnt believe what I am telling him about my cars situation, because its simply the worst luck hes every hear someone having. XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX  releases my vehicle to me stating that they Are adding the impound, tow, and repossession fees to my loan. ( My first payment hadnt been due yet ). Not until XX/XX/XXXX. They will tel you that its XX/XX/XXXX, but since car was impounded- they decided to unconditionally waive the first month. 
My vehicle was repossessed XXXX XXXX. During the covid lockdown period. When I asked them why a non-essential business was doing things like this, they told me to get a job. 
I was evicted from my apartment 2 weeks before and had been living in my car. 
No one from 800loanmart called me. It took me 2 weeks to find my car. Which is now up for auction. 
I am homeless, no job and I cant get a job because they are closing gyms again. And I have no car. Please help me. This company has destroyed my life. Please help me. They didnt follow their first responsibility when obtaining my Title. This is wrong. I dont know what to do, and I lost all my medicine- I am a severe XXXX and have died from XXXX attaks before. 

Thank you XXXX XXXX
Product: Credit card

I am submitting this formal complaint regarding a credit card application I submitted to American Express ( AMEX ) for the Blue Cash Everyday Credit Card, which was denied in violation of my rights under federal law, specifically 15 U.S.C. 1602 and the Equal Credit Opportunity Act ( ECOA ). 

Upon submitting my Social Security Number on the AMEX credit card application, I initiated a consumer credit transaction, which legally grants me the right to access credit under the terms of 15 U.S.C. 1602. AMEXs denial of my application, and their subsequent adverse action notice, does not cite any provision under federal law that would allow them to deny my right to credit. The adverse action letter sent by AMEX did not offer a valid legal reason for this denial in accordance with ECOA or any other relevant law.

Furthermore, AMEX has an arbitration clause stating that attempts should be made to resolve disputes directly with them before proceeding to arbitration. I followed this process by contacting AMEXs financial and consumer lending departments, but neither department was able to understand or address my concerns adequately. As such, this complaint also serves as a pre-arbitration notice, in line with the dispute resolution procedures outlined by AMEX.

If my benefit is not granted as part of this complaint process, I intend to proceed with arbitration to receive the credit benefit that I am entitled to under federal law.

I respectfully request that the CFPB investigate this matter and take action to ensure AMEX complies with applicable federal laws, including ensuring that consumers are not improperly denied their right to credit. 

Thank you for your attention to this issue, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( XXXX  ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XXXX XXXX ) requesting that XXXX provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX Dated : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. XXXX response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.
Product: Debt collection

Receiving text messages from XXXX. Halsted Financial, phone XXXX about a medical debt to XXXX XXXX XXXX of XXXX XXXX XXXX. They appear to be located in XXXX, Ohio. I have never been to Ohio nor have I received medical care from them. I have not even been to a doctor in about 20 years. There is a clickable link in the email : portal.halstedfinancialXXXX which I have not clicked on. I believe this is a result of identity theft or a pure attempt at fraud.
Product: Checking or savings account

I went online and saw a house that was advertised by XXXX XXXX who works for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX, SC. XXXX XXXX told me to meet him at his office in XXXX XXXX XXXX and he would have the builder there on XX/XX/2021. When I got there there were people waiting. XXXX XXXX introduced XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the builders. XXXX XXXX said we require {$55000.00} to sell you the land and start building the house. I wrote a check for {$55000.00} and ask who do I make it payable to? The man who XXXX XXXX introduced as the builder, XXXX XXXX said leave it blank I have a stamp. I later found out that XXXX board made my check payable to himself and put it in his bank and scammed me and my bank out of {$55000.00}. I also found out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not and has never owned the land that they sold to me. It was all the housing scam. I called XXXX XXXX and asked him for my money back and he laughed and said all of your money is gone. He gave me XXXX XXXX number and told me to call him. I called XXXX XXXX and left a message and he text me back in DO NOT EVER CONTACT ME AGAIN. I was scammed out of {$55000.00} thinking I was buying a house. They did not have a house to sell or build to me they did not on the land it was all a scam and they stole my {$55000.00} From my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additionally, I h ave a Fraud Victim Alert in pl ace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act, XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX  XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX  Date of Inquiry XX/XX/2021
Product: Debt collection

A collections company called Global Revenue Solutions calls me multiple times a day. I have asked them to remove my number because they are calling my cell number, but they refuse to do so and continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 8 AES/XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX  customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TNXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposit. Capital One has cited technical issues, which violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP
Product: Credit reporting or other personal consumer reports

Please check the information concerning Experian data breach below in attachment 15 usc 1681
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Texas on the XXXX XXXX on XX/XX/XXXX. My contract was switched and signed and initialized in places people other than myself. I was promised, a XXXX yr extended warranty for free. I was charged for the warranty. Other documented fees and charges were to be removed but they were reinstated on my final contract. The final price was {$3500.00}. The altered price was XXXX. American Credit Acceptance assisted in the scam to defraud me in this contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX 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 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
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX  VIN XXXX with XXXX XXXX XXXX XXXX. That loan was paid off and a clear title was issued to me. I have lost the title and went to the XXXX  XXXX office to request a copy of the title. The told me I needed to contact the lender to request they send me a Lien Release letter confirming the load was paid. I did an internet search for the lender and learned it was purchased by Santander Consumer USA. I contacted that company on XX/XX/XXXX and spoke to a representative named XXXX to told me he found record of the loan in a system called XXXX XXXX. He advised that he ordered the Lien Release letter to be sent and I should allow 5-10 business days. On XX/XX/XXXX I called them back to tell them that I had not received the letter. I spoke to XXXX. She told me she could see the notes but she could not give me any update on what happened because my information was not listed in her system. She told me to contact a website XXXX/Santander.com to order the title. I entered my information on that site. It told me no record was found and told me to contact Santander. I contacted them back and they told me they could not help me and asked me to call XXXX. I called that number. An automated system asked me to enter my information. I did, it told me they could not find record of my loan and hung up the line. I called back the regular customer service number XXXX explained all this to the rep ID XXXX XXXX on XX/XX/XXXX. She told me she could not help and told me I had to call the XXXX to get help. I told her the automated service on that number would no let me speak to an agent. I asked her to transfer me to a manager or someone at that office who could help me. The rep hung up the phone. I'm trying to sell my car, and Santander 's poor service is not allowing me to obtain a title so I can complete the sale. Please help me.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this c
ollection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

i guesss because im a lil XXXX, have a XXXX alot of companies try n treat me any type of way. im just name just a few but its alot more compaines. 

1. i have a account with with XXXX n it was XXXX took fromiaccouits hard to said XXXX but when i called XXXX XXXX they didnnt know what i was talking about. 


2. XXXX XXXX XXXX XXXX give me a hard time, money be missing and account open n they dont know what im talking aboout. 


3. XXXX XXXX give me a hard time to have access to account, i give them my id mail with address n still wont let me get back in account. 


4. is money liion, i bank with them for the longest, n XXXX came missing from my account, i dont work n have a XXXX n a single parent n thats all money i had, i tried to reach out n they laughing and being funny thinks its a joke acting like they cant hear me. n said they done with investigating, i called because i received notiication reguarding dispute, n i was wondering i didnt reiece a alert about my money. i even spoke with a manger n i think his name was XXXX. he was rude too. i dont thinlk they are american, probaly XXXX. i look the company up. i told them i spoke with XXXX  n they said they didnmt take it out my account to call money lion. im scarfed they more money out of my account. can someone please help me.