23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

On XXXX XXXX, I took out a {$200.00} loan from this company ( Cash Central ). I refinanced this loan shortly after I took it out because I knew I could n't make the complete payment on XX/XX/XXXX. I got an e-mail stating the refinance was approved and that on XX/XX/XXXX, I would have {$120.00} taken out and the remaining amount taken out on XX/XX/XXXX. Two payments of {$120.00} which would total {$250.00}. On XX/XX/XXXX, I received an e-mail stating that {$150.00} would be taken out on XX/XX/XXXX and to make sure that I had funds available. I responded to the e-mail stating that I did n't understand where the amount was coming from because I had the loan refinanced and explained that I had to make a rent payment which was why I refinanced the loan. 
On XX/XX/XXXX, they attempted to take out {$140.00} from my bank account ( which resulted in me being overdrawn ) and I filed a complaint with the local XXXX. I have not received word from them but today I received an e-mail stating that I am being charged an extra amount because the amount they tried taking out on XX/XX/XXXX was denied. I am currently overdrawn with my bank because this company did not honor the agreement I signed. I have a screen shot of the XXXX pending amounts and will provide it if necessary. Curiously enough, when I view my account now, the two payments do not show up. It 's like they were wiped out which is a good thing I have a screen shot of what my account said when I checked it on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Debt collection

On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions. The following accounts listed as inquiries on my report were not made by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX  collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as TransUnion and XXXX. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Product: Mortgage

I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX
Product: Mortgage

From inception of the mortgage, finance company has been allowing XXXX XXXX XXXXXXXX of the XXXX family to unlawfully credit their account with FRNs. XXXXXXXX XXXX XXXXXXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly mortgage notes for sed property from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to Ocwen Financial Corporation Headquarters XX/XX/XXXX 1099a filing to the IRS
Product: Credit reporting or other personal consumer reports

I called westlake ; paid for 3 months of the truck payment. After paying I was told I could go pick it up. When I got to the garage to pick up the truck I was informed it was transferred to Auctioned and auctioned off when I had ALREADY PAID 3 months worth of payments to get it back onto of the repossession and homing fee.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 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 months that are reported late 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 XXXX 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: Mortgage

Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit card or prepaid card

I lost my credit card I reported this to this company self four times and called customer service to dispute they denial they stating its the same charges which that dont mean anything its wrong thats someone use my credit card.I told them the charges thats on this account that Im responsible for is the smart credit because its was automatically payment of XXXX every Month I am a loyal customer with self for 3-4 years. Never have late Payments. I am not responsible for {$470.00} I was at neighborhood festival I had my cards in my back pocket. I didnt notice there was charging on my account until I got a email saying my balance was high. I will not pay for the balance. Also paid one payment cause I dont want my credit to get mess up but I am responsible for theses charges
Product: Debt collection

Rented through XXXX XXXX XXXX in XXXX XXXX XXXX Florida. After moving out, I was asked to pay a fee of {$870.00}. I paid the fee within a week. It was still sent to collections company of Hunter Warfield.
Product: Credit reporting or other personal consumer reports

i needed a loan and just applied for one, unfortunately it was denied from the bank. so i pulled my credit report to see if i could see what the problem was. i noticed a lot of items in my report were not correct, but somehow ended up o my report this doesn't make sense to me as they aren't accurate.
Product: Checking or savings account

I had {$5200.00} in my account and it is the XXXX they closed my account with my money in it now I will not be able to pay my rent. Ill have to move out my apartment and everything all because they shut the account down. They didnt tell me anything or any reasoning behind it.
Product: Debt collection

Im not complaining but I need a writing letter saying i owe them money .they took the lvnv funding off my credit on XXXX but keep putting it back onXX/XX/XXXXand XX/XX/XXXX .i send in letters toXX/XX/XXXX since last year and they aint fully investigate I had to call on this past Friday to see what was going on .it has been 30 days and they still having investigate after thirty days the collections must be taking off.
Product: Credit card or prepaid card

We were charged {$1000.00} on XX/XX/XXXX at the XXXX store on XXXX XXXX in XXXX, NH. The credit card company refuses to acknowledge that this was fraud. They can't tell us what was purchased for that amount. They never fully investigated the charge. They refuse to help us because they say that it was us because the credit card never left our possession. Obviously there was a skimmer or some other way the thief was able to get our number. The credit card company denies that a charge can be made without physical possession of a card. 
We have been stellar consumers with this company for more than 22 years. 
We are both in our XXXX on XXXX and there is no way we would charge that large an amount as we both have prescription insurance. Also, the credit card company never communicated with us about that large and unusual charge, they just let it go through. 
They have denied our claim based on the fact that the credit card never left our possession. We are out that money now. I need to know how we can fight this judgment. They wouldn't reopen this dispute. Earlier in the day I had charged {$17.00} at that store. 
I can prove I wasn't even in the vicinity of this store when this bogus charge appeared.
Product: Credit reporting or other personal consumer reports

I Became a victim of identity theft who ever stole my identity opened up these fraudulent accounts. 

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

I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.
Product: Vehicle loan or lease

CNAC in conjunction with JD Byrider made me yet another victim of their deceptive lending and sales practices. My issue stems from the period around the time when they were ordered to pay {$1.00} XXXX as a result of their deceptive sales practices and predatory lending. In XX/XX/XXXX I spoke to the representative who sold me a vehicle and informed him of problems I was having with the vehicle shortly after purchase. The sales representative advised me to return the vehicle to the lot and assured me I would have no problems regarding the loan, nor my credit report. That couldn't be further from what I experienced. Come to find out, almost 7 years later, they are still reporting a " chargeoff/repossession '' on my credit report. I have made numerous attempts to contact the representative who misled me at JD Byrider over the years and apparently that individual no longer is employed there and nobody else seemed willing to help me or understand the deceptive and misleading information I was given by said indiviudal. It is my understanding that I am not alone in being a victim of these vicious sales and lending practices by CNAC aka JD Byrider. I am requesting immediate removal of the account from my credit report with XXXX, XXXX, and 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 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX {$8900.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX XXXXXXXX {$720.00} XXXX XXXX {$1200.00}