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

Does the interest rate of XXXX percent on my Avant installment loan violate the usary laws in Washington DC where I reside of a maximum XXXX percent for loans? 

Can I ask them to lower my interest rate based on the usary laws in Washington DC where I reside? 

I got this loan online
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XX/XX/2022 regarding XXXX XXXX  and to have the item removed from my credit report. They only closed the item as it still remains on my report. I am asking for this to be deleted.
Product: Mortgage

I purchased my home ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) in XXXX, XXXX for {$330000.00}. I remodeled the home and have a mortgage balance of {$300000.00}. The current market analysis values the home at {$390000.00}. Homes that are the exact same model as mine have sold in the last 90 days for amounts of XXXX and higher. The lender is requiring the home to appraise at {$410000.00} basing PMI off the purchase price. I have never been late with a payment. I would like this to be addressed with Dovenmuele Mortgage XXXX. The purpose of PMI, as I understand it, is to insure the lender should a foreclosure be necessary up until 80-20 is met. I am well beyond 80-20 and seek assistance. 

Anything you can do to help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX  to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my transunion and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from transunion and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Product: Credit reporting

Starting in XXXX XXXX I disputed adverse information on all XXXX credit bureau reports. I also disputed it with the bank XXXX. The issue was that I was in fact delinquent in my mortgage up to 60 days from the period XXXX XXXX until XXXX XXXX. Currently the Transunion report shows 60 days delinquent on one period XXXX XXXX. It does not show a 30 day delinquency at any time prior to that which on its face does not make sense. I received a letter from XXXX in XXXX XXXX showing the account history and the date of first delinquency of XXXX. The letter is attached to this file and according to XXXX the proper information was provided in XXXX XXXX Credit bureaus can not report negative information that is older than seven years. The seven years starts on the date of first delinquency. The letter attached clearly indicates the date of first delinquency and that it was delinquent at all times until XXXX when a modification was completed. If Trans Union entered the information properly provided by XXXX the delinquent payments would not have been reported since XXXX, XXXX. I also attempted to deal with this by phone with Transunion but the customer service representative did not understand the rules and was of little assistance. The fact that it was not resolved in XXXX has created a hardship. We recently had an opportunity to purchase a home. However an attractive loan product that would have been eligible for was not available because of the adverse information only contained on the Transunion report. The mortgage FICO score using Transunion information was about XXXX points lower than the other two bureaus. It resulted in being denied that product because of its stricter requirements.
Product: Checking or savings account

On XX/XX/XXXX I was using the car wash here in XXXX XXXX XXXX  on XXXX XXXX XXXX. While I was at the car wash I washed my car then cleaned out the inside of garbage and dust. Little ti my knowledge i had accidentally throw away .y envelope that chime had sent me with the card included along with all the account info written on the outside of the envelope. 
Afterwards, I continued to finish my day. I had not noticed that my account was being used because my phone had died. Additionally, the next day my phone bill was due and I didn't pay it till Saturday XX/XX/XXXX. On Sunday XX/XX/XXXX. After my phone was charged and has service I go to check my texts, emails and notifications. That's were I had notice my account had been used without my permission and without authorization. So Sunday is when I file my dispute claim with chime about to unauthorized transactions that had been made to my account. 
The first one is XX/XX/XXXX at XXXX at a XXXX XXXX  where {$300.00} were taken out of my account. Another from an ATM at XXXX XX/XX/year> for the amount of {$200.00} at the location of XXXX XXXX XXXXXXXX XXXX XXXX another for {$210.00} from XXXX XXXX also in XXXX XXXX XXXX  at XXXX XXXX. Another at XXXX at XXXX for the amount of {$100.00} on XX/XX/XXXX. 
Furthermore I did not authorize any one to use my account nor did I know anyone had access nor did I know the transactions were made.i lost my card at the carwash when I was cleaning out my car. Who ever must have went through the trash found my card with info written on the envelope and made all the transactions on my account. 
Please help me my card was found and money stolen off it. Please help with chime.
Product: Credit card

I have been disputing unauthorized charges from XXXX XXXX XXXX XXXX XXXX XXXX on my Barclays XXXX XXXX XXXX since XX/XX/year>. Despite multiple cancellation requests via email, phone, and in person, XXXX has continued to charge me weekly against my will. 

I contacted XXXX on XX/XX/year>, requesting to cancel my membership. I followed up on XX/XX/XXXX and XX/XX/year>, but XXXX ignored my requests. When I called their studio, I was told they could not cancel my membership over the phone and that I needed to email their billing department. I emailed them several times, but they never responded. 

Despite my repeated attempts to cancel, XXXX has continued to charge my credit card every week from XX/XX/year> through XX/XX/year>. 

Barclays ' Failure to Stop Charges I immediately contacted Barclays to dispute the charges and filed multiple dispute claims. Barclays provided me with several case numbers but has refused to take action. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> CIS XXXX I also called Barclays multiple times and was told that the case was still " under investigation, '' but I have not received a resolution. Barclays has allowed XXXX to continue charging me weekly, even though they have evidence that I tried to cancel my membership months ago. 

Additionally, when I asked Barclays for contact details for XXXX to resolve the dispute, they provided me with a phone number that belonged to a completely unrelated business ( XXXX XXXX XXXX ). This made it impossible for me to resolve the issue directly with XXXX. 

Key Issues : XXXX has ignored my multiple cancellation requests via email, phone, and in person. 
Barclays has refused to issue a chargeback despite multiple disputes being filed. 
XXXX continues to charge me weekly for a service I do not use. 
Barclays has failed to provide accurate contact information for the merchant. 
It is now XX/XX/year>, and the charges have continued for over two months despite my disputes. 
Requested Resolution : Issue a full chargeback for all ILKB charges since XX/XX/year>. 
Permanently block XXXX from making any further charges on my account. 
Provide written confirmation that my dispute has been resolved immediately. 
Barclays is violating my consumer rights under the Fair Credit Billing Act ( FCBA ) by failing to properly investigate and resolve this dispute. I am escalating this complaint because Barclays continues to allow unauthorized transactions despite my ongoing dispute. 

I expect immediate resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was XX/XX/2022 a hard inquiry on Amazon and i didnt do it and now my credit score is low as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Product: Debt or credit management

I was informed by social media that there was a lawsuit against Lexington Law and I had previous dealings with this company to repair my credit and lost some money. My address changed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identification and social security card for your review along with my FTC report, due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX XXXX and XXXX XXXX XXXX XXXX both gave me hard inquires. This loan was from XXXX XXXX XXXX. XXXX XXXX  did not have my permission to " shop '' for my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX  and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.
Product: Debt collection

This account is for identity theft or maybe they are confusing my name I need if they can help me and I write to the credit bureaus they talk to me but they did not want to help me
Product: Money transfer, virtual currency, or money service

My issue is with Paypal. Debit cards I use with small business transactions are automatically added to my profile on paypal without my authorization. Then scammers hack into my profile and use my debit and credit cards for purchases I did not approve. This happened a few years ago with a XXXX  XXXX XXXX account of mine I had to close due to the extreme amount of fraud coming from Paypal. I disputed it with paypal several times and they ultimately said the transactions were valid and my money was stolen. i reach out to Paypal to cancel my account and make sure all of my personal and financial information was no longer activated. As of today, XX/XX/22 I received email notification of 3 separate charges to separate people on paypal, none of which I approved or authorize. I was traveling and did not use my card at all during this time. Paypal does not allow you to speak with an agent, they only allow you an automated call or chat and my issues are occurring again. They will not let me remove payment methods or close my account. They should be shut down for the amount of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an erroneous bankruptcy record on my TransUnion credit report. Despite multiple attempts to dispute this record with TransUnion, it has not been removed. The record is classified as a XXXX XXXX Bankruptcy with reference number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and is listed under the institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never filed for bankruptcy, and this record does not pertain to me. I have contacted TransUnion multiple times, providing my identification details and explaining that this record is incorrect. Despite this, TransUnion claims that the record has been verified, which I believe is an error. I request that TransUnion conduct a thorough investigation to confirm that this bankruptcy record is not associated with me and remove it from my credit report immediately. Additionally, I would like to know the source they are using to verify this information and request written confirmation of the removal and an explanation of the steps taken to rectify this issue. This resolution would help restore my credit score and alleviate the stress and concern caused by this erroneous record. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # LATE PAYMENT - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I am writing to formally notify you that I have become a victim of the XXXX data breach that has compromised my personal information. Under 15 USC 1681c-2 ( a ), I request that you take immediate action to remove and block all accounts associated with my personal information affected by this breach. According to the ( FRCA ) Section 605B, it is illegal to report information on my credit report without my permission. PLEASE IMMEDIATELY DELETE.
Product: Credit card or prepaid card

According to the FCRA account # XXXX Discover card-Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Debt collection

Navient Loan Servicing is contacting me daily via my personal phone number, my work phone number, my brother through phone, my personal postal mail, postal mail to my work, and my brother 's postal mail in order to collect a debt. In XXXX of 2018, I received mail correspondence stating that if I made 3 payments in the amount of {$60.00} for 3 months in a row, my account would be considered up-to-date. I made the 3 payments and the calls and letters still continue. They called my work phone number on XX/XX/18 wanting me to verify my social security information which I refused to do ( I do not have the privacy to give that information out over the phone at work, plus they should have that information if they are trying to contact me so much, even after I'm doing what they are stating that I should do in their letters to bring my account current. ) I am tired of being harrassed by them for following the requirements set forth in their correspondence with me regarding this matter.
Product: Mortgage

I started a process with this company to buy my dream home, after being pre approval I got the house and I followed and send all the documentation they requested. I was approved, they took so long to approved me even after I sent everything they need. We got the house, the appraisal and everything, then decided to do a new appraisal of the house and they said it was less the worth of the house, they wanted me to pay more which I couldnt because we had a deal before with closing and downpayment amount. They continue messing with my case that the seller decided to terminated my contract y after 4 times trying to get closing papers from this company. I decided not continue with their game and we terminated because of this situation I lost my XXXX money and the appraisal fee I had to pay because they requested and then they XXXX a new one. Its being traumatic and humiliated trying to work with this company my realtor and I trying to contact with them and never answer their emails or phone with someone who was willing to help. They didnt care about the situation, after I decided to terminated they continue sending new quotes. I am pregnant and I was happy to buy this house I have everything they requested and the money they told me to pay but then they change everything. Its been stressful for me and my family which we were ready to move and still hurt they didnt care about nothing.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiryXXXX, XXXX  Date of XXXX, XXXX XXXX  Date of XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm XX/XX/XXXX I filed a dispute with XXXX, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the fair credit report act to conduct a reasonable re-investigation of dispute information on my credit report leaving inaccurate unverifiable accounts unresolved. 
I am requesting immediate corrective action to remove or amend dispute accounts. Experian. Violate Federal. And my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Writing a complaint towards Creditor XXXX XXXX regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau . 

XXXX XXXX has violated my consumer laws below 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) 2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Use of false, misleading, misrepresentation, and deceptive means 4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency under violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I have send previous dispute letters to resolve the issues, longer than 90 days previously as well and still to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.
Product: Debt collection

I noticed that my credit score, which was near perfect, had gone down significantly within a short period of time, and found through my credit report, that a collection had been placed in my name on XX/XX/2019, for {$290.00} for an account through XXXX XXXX, that is not related to me whatsoever. I have never had any kind of account with XXXX XXXX. I have tried to contact the debt collection agency, Sequium Asset Solutions on three separate occasions at XXXX ( XXXX XXXX, who is the corporate compliance officer with the company ), to try and get this resolved and removed from my credit report, however, I still have yet to receive a call back from them. They continue to avoid my phone calls and refuse to discuss this dispute with me, while I suffer the impact of a lowered credit score.