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

Iam on social security and I receive {$430.00} social security and in XX/XX/XXXX I received a check in the mail for {$2700.00} Now its {$5000.00} with 40 percent interst rate XXXX XXXX. I thought it was fake but the bank cashed it. they actomatically withdrew {$140.00} than the next month I have been going with food and late on my bills during Covid 19 I paid until I idnt have the money, they kept calling, and let me skip one payment than they just sent court papers asking me to send them proof of why I cant pay them are they will send me to Jail Im so so afraid please please help me. I have been in the hospital XX/XX/XXXX for an XXXX.streesing on how to pay my bills, they have calledme and I dont have the money my electric bill is {$600.00}, and water bill all bills are behind, and they are going to have me locked up over a check I nevr applied for are had anything to do with accepts think it was help with bills.the collection comp is XXXX, XXXX XXXX  XXXX, XXXX XXXXAttorney XXXX XXXX XXXX # XXXX XXXX
Product: Credit reporting or other personal consumer reports

The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by XXXX of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX XXXX and Equifax told me. Basically the XXXX balance statement is worthless.This has cause me great strife and many financial setbacks. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this XXXX account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Transunion, XXXX and XXXX credit reports, and I noticed some late payments posted on my credit report by the following companies : XXXX XXXX XXXX reported 30 days late for XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( reported 30 days late for XX/XX/XXXX ), and XXXX XXXX XXXX ( reported 30 days late on XX/XX/XXXX and 60 days late for XX/XX/XXXX ). These companies are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT give you written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

With that said, I am requesting the deletion of the above late payments from my consumer report. Transunion, XXXX and XXXX are all in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Debt collection

Letter from Resurgent saying an original XXXX XXXX, XXXX, and current owner LVNV Funding LLC, are trying to collect a debt of XXXX. I am not familiar with any of these companies or this debt. They letter was also address to my Maiden name which I have not used in 19 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting 2 open credit cards on my account which is causing my score to be lowered and they are : XXXX credit limit XXXX XXXX XXXX credit limit XXXX And the Bankruptcy from 8.8 yrs ago shouldn't be affecting my score by 150 points.
Product: Debt collection

I had a debt with XXXX for {$1200.00} that was charged-off and sent to collections in XXXX. That collections agency told me in XX/XX/XXXX that they didn't expect me to pay and had settled the debt of the charge-off. Marcus Goldman-Sachs bought debt from XXXX in XXXX of XXXX, and despite my debt being settled and continually calling the company, they tell me I have to pay off all of the original debt, the late fees, and the interest, and continue to charge me anyways.
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. 
Account name : XXXX, XXXX and Account # XXXX 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 an 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 information : Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I may a payment to my credit card at First Digital on XX/XX/XXXX via credit card. The payment was processed and taken from my account on XX/XX/XXXX. The credit card company shows it posted. I have no available credit. I contacted them and they said they can see the payment but it can take 14 days for it to actually credit. In no way shape or form would it take that long to process a payment taken from my account on XX/XX/XXXX. Theyve given no reasonable explanation as to why its taking so long. I would like my payment credited and my available credit to reflect that.
Product: Money transfer, virtual currency, or money service

On my cash app account I have authorization charges you I submit a dispute! Before this cash closed my account said I broke term ms which is a lie but they couldnt tell me what it was thats because I didnt! So I call the creditor that have to the money from my account instead of waiting on cash because basically the say their working on it but do nothing the creditor issue a refund for the amount to go back into the account it was taken from but cash app declined the refund because they closed my account so no the creditor says they never have a financial institution do this, so now I cant get the money that was took from me. Cash said the was working on the dispute ok well I took care of it in 30 minutes when they havent done nothing in days. Only for them to decline the refund
Product: Debt collection

I have received numbers calls and voicemails from this company from the above number or similar phone number extensions noted below. Dates of calls are noted below. I answered once on XX/XX/XXXX, asked for proof or validation of debt, and was not provided with the information within 5 days. 

Phone numbers and dates of calls : XXXX ; XX/XX/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 XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I took out a loan with AmeriCash on XX/XX/XXXX. I was making payments every 2wks which I believe I have paid off the actual amount loaned & only owe interest. My last payment was XX/XX/XXXX. I'm having financial difficulties & I do intent to pay but they keep calling and harassing me. I mailed them a certified letter on XX/XX/XXXX which was signed letting them know to seize contact at work or by phone & that I will resolve the issue. They keep calling me at work, home, and a few days ago they even went beyond that & called my brother telling him that I was in bad shape or something which freaked out my brother not knowing if something had happened to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

First and Foremost I have first hand Knowledge that a crime has been committed by the Mortgage company and its successors. These Mortgage companies/servicing agent have Violated Several Federal Laws including RESPA and the TILA. Furthermore, I have Forensics evidence that the grammar used in this Mortgage/ Security Deed is False and Misleading violating Title~18 U.S.C CH.~47 SECTION~1001~1002 . This Corporation has Failed to Give Closure on the fact the grammar in the Mortgage contract/ Security Deed is False and Misleading. The Lender failed to Give closure that I XXXX XXXX on XX/XX/XXXX Created a Note with an Actual Cash Value in the Amount of {$480000.00}. This Note was used to Fund the Purchase of my Real Property listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of this Initial contract I had No Knowledge of how banks Operate and was not Given any disclosure on the fraud that was being perpetrated on me. I had know first hand knowledge that the Note I signed created Actual Cash value and that the bank/ lender took my Note as A gift and then Proceeded to Securitize this Note without my Authorization, Consent or Knowledge. My Real Property Has Already been paid in full and satisfied from XXXX. I Would like to receive Four times the Damages for this Fraud that has been Committed and I will also be Suing this Company For the Mental anguish, defamation of Character and Title~42 1983 for lack of equal protection of the Law. I have Placed both Mortgage companies on Notice XXXX XXXX starting from XX/XX/XXXX Until Now XXXX. The XXXX Companies involved Are : XXXX XXXX XXXX XXXX XXXX XXXX Midfirst Bank XXXX XXXX XXXX XXXX is who first Created the Fraudulent security Deed to Extort me for Future Payments that I Never Agreed to. I am Commanding that these Corporations be held accountable for the criminal Activity. I am seeking to sue for civil damages and criminal Damages as well. This company recently attempted to Foreclose on my Home in which Lawfully they do not have the Lawful Authority to Do So. I have proof that I have sent Midfirst Bank and XXXX XXXX XXXX XXXX XXXX  4 Notices certified Mail telling them that they Do Not have Lawful Authority to Foreclose on My Home. Also, going into details on why they do not have Authority to do so. XXXXXXXX XXXX also executed an assignment of Security Deed Fraudulently as if I authorized this company to complete this act. These companies Do not have any Authority to Foreclose on my home Because lawfully and legally my home has already been paid in Full plus interest. I am seeking for these Companies to be held accountable for there fraudulent Actions including Mail Fraud : Title~18 U.S.C : CH~63 SEC~1341 Which holds a 30 year sentence and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter on XX/XX/22 in which they demanded payment. I responded with a certified letter on XX/XX/22 requesting validation. They have not responded for 2 months but continue to report this debt to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX20, AND XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Student loan

I needed to renew my income driven Repayment Plan on my loans. I was paying a bit under {$30.00} a month and although my income changed a bit they are quoting me {$800.00} a month. After I was asked to resubmit the appropriate application and proof of income they quoted me {$280.00} but keep stating they do not receive my paperwork. I have mailed in by paper 2 times and uploaded all necessary paperwork on their web page 4 times. Each time being told that something was still missing. Today was the 5th time I am sending proof of income. I am told to call back on Thursday to see if it is received and if my payments will change ( for the 4th time ). 
Note to others out there : Always take names and dates of who you speak to and send mail certified.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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

TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX ( Bank XXXX XXXXXXXX XXXX  ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informaed by XXXX  insurance that an accident the XXXX  XXXX Police determined I was not at fault in, was reported as at fault by Lexis Nexus. They refuse to fix this, and have hung up on me multiple times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX whom it XXXX concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA XXXX XXXX ( XXXX XXXX ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. 
I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately. 
Below is a summary of the data in which I am challenging : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Credit card or prepaid card

On my XX/XX/2019 Statement, the bank charged a " RETURN CHECK FEE '' of {$28.00}. 
There was NO such " RETURN CHECK ''. On XX/XX/2019, an electronic payment of {$25.00} was made in good faith from a XXXX XXXX XXXX  account, which unfortunately was SHUT DOWN BY XXXX XXXX XXXX AFTER THE PAYMENT WAS MADE, due to IDENTITY THEFT and FRAUD. I IMMEDIATELY opened a new bank account and made a SECOND payment to this credit card on XX/XX/2019, WITHIN THE PAYMENT TIME FRAME AND BEFORE THE DUE DATE. This payment WAS SUCCESSFUL, in the amount of {$480.00}. 

There is absolutely no reason to charge me a " RETURN CHECK FEE ''. 

On the same day, XX/XX/2019, at aprooximately XXXX EST I communicated electronically with bank associate " XXXX XXXX who stated that the fee would be removed if the originating bank sent a fax stating that " the funds were available on the date the payment was attempted ''. XXXX XXXX XXXX was contacted and this was sent. 

The fee was still not removed or reversed. 

On XX/XX/2019, I made a second communication attempt via fax, explained the situation again and demanded a fee reversal. This communication was not answered.
Product: Debt collection

I received letter shipped by standard mail, dated XX/XX/2019. Letter is from Hyat, Hyat and Landau,  XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to XXXX XXXX, XXXX. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : Hyat, Hyat & Landau, P.L. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX