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

I have been trying to contact this company in regards to being able to log into my account. 

The website that generates on XXXX has no option to log in. 

There are no telephone numbers listed on their website. Only a mailing address and an email address. 

I feel like I have been scammed. I did receive the money into my account, but there is no way to monitor my loan payoff progress.
Product: Credit card or prepaid card

In the month of   XXXX , COM ENITY BANK/VICTORIASECRET reported that I was 30 days late on a monthly payment. I never received a statement from the merchant. They admitted to their mistake and I made a full payment immediately, once I was made aware of the past due balance, they even removed the late fee.
Product: Credit reporting or other personal consumer reports

T o whom it may concern, I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my  XXXX   XXXX   XXXX   XXXX  was financed with  XXXX   XXXX   XXXX  in  XXXX  In  XX/XX/XXXX  , I fell on some hardship after making  XXXX  current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I made a payment in  XX/XX/XXXX .That was n't updated to the Credit Bureaus that   XXXX   XXXX   XXXX  . reports to.One of the criteria for   XXXX   XXXX   XXXX  .agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account   XXXX  ..  XXXX   XXXX   XXXX  .is reporting my account as a 120 days past due in   XXXX   XXXX  .When I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX  .which took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual  in which the current status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the    XXXX   XXXX   XXXX   XXXX   has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) t o update any prior reporting so as to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong.
Product: Credit reporting or other personal consumer reports

Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future
Product: Money transfer, virtual currency, or money service

Im trying to login in to my PNC account to pull funds straight from my bank account. PNC wont allow me to connect with the app.
Product: Checking or savings account

On XX/XX/2023 I deposited {$10000.00} from my XXXX XXXX XXXX XXXX bank account, into a capital one HY savings account. Two weeks ago, roughly around XX/XX/XXXX. I went to withdraw some money and found out there was a hold placed on the account. Called the first number, Capital One said that theres an investigation into the original deposit on the account because it came from a business account. I informed them that Im the owner of this business account and can verify that, they said that theres nothing they can do. They have no dates on when my money would be released. Went into a capital one bank in XXXXXXXX XXXX  on XX/XX/2023. They said that there was nothing they could do. They dont have any more information. They however did give me a case number ( case XXXX XXXX ) and another phone number to call. When I called that number Capital One said that theres been a flag on my account since the original deposit they have no knew answers on when my money will be released. I asked again for them to return the money to the original account. They said no they cant do that. They have no answer when my money is gon na be released or when the investigation will be over. Theyve held my money for 4 months without telling me and I would like my money back.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on [ FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX 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 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to investigate this account below : XXXX Account XXXX XXXXXXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 or other personal consumer reports

My account with 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 those account 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.

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

this bank has given me problems i want to close my accounts and take my business somewhere else. they are forcing me to stay with no access to my funds
Product: Debt or credit management

I have been requesting Beyond Finance to finalize negotiations with XXXX XXXX for almost a year. There is more than enough money in my dedicated account with Beyond Finance to pay off the debt, but they are not. When I reach out to them I am told over and over again that they will 'Escalate this concern ', but nothing ever happens. Each time I contact them to see when the last correspondence was between them and XXXX XXXX, they tell me nothing has been done since XXXX. And that XXXX XXXX made an offer but Beyond Finance thinks they can get it lowered but that's the last time they have tried. I turned them into XXXX XXXX XXXX XXXX and was contacted by someone in management. They told me that they would 'Escalate this concern '. That was three weeks ago. It is beyond acceptable at this point that Beyond Finance is not paying off this last debt as they agreed to do. It's now become that essentially Beyond Finance is holding onto money that isn't theirs and they need to be using it to pay off this last debt resolution and giving the rest back to me, if there is any.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 1

5 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent. 15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include A
NY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to XXXX and Equifax. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. I hereby further dispute XXXX XXXX XXXX  pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. XXXX XXXX  XXXX is not my creditor. I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.
Product: Credit reporting or other personal consumer reports

I have summited documentation to Transunion of fraudulent items on my credit report I have also submitted a copy of the identity report to this company. They Company later reply back stating that I am working with a third party company and they won't process my request unless they come directly from me. Which the letters are from me and not a third party company I demand that they complete the investigation and a timely matter.This company c to send out stall letter instead of completing the investigation I also have sent in all my identification for verification purpose.
Product: Student loan

XX/XX/year> I SUBMITTED DOCUMENTS FROM XXXX XXXX UNIFIED SCHOOL DISTRICT ALSO DOCUMENTS FROM DEPARTMENT OF EDUCATION I HAVE SPOKEN WITH MOHELA SUPERVISORS MULTIPLE TIMES IN THIS REGARDS TO DISCHARGING THE LOAN THEY HAVE ADMITED OVER THE PHONE AS THEY SAY THE PHONE CALLES ARE BEING RECOREDED THE DOCUMENTS SHOWS PROOF I DID NOT GRADUATE HIGH SCHOOL MY HIGHEST IS XXXX GRADE
Product: Student loan

I would like my previous case under number XXXX to be reopened as it falls in line with the settlement that was made practicing the same unethical, actions, and behaviors in handling my student loans. The resolution I seek is for my student loans with Navient to be dismissed based on these unethical practices. Although my loans are not private, the actions were the same in which Navient settled in XXXX and the CFPB v Navient ( XXXX ).
Product: Money transfer, virtual currency, or money service

XXXX  SUBMITTED A TRANSACTION OF {$XXXX} TO XXXX THROUGH XXXX, XXXX A RECEIPT WAS TENDERED FOR THE TRANSACTION. ( see exh 1 ) SUBSEQUENTLY, XXXX RECEIVED AN EMAIL INDICATING THAT THE MONIES WERE RECEIVED INDICATING THAT THE AMOUNT WOULD BE POSTED WITHIN 1-2 BUSINESS DAYS. ( see exh 2 ) AFTER WAITING TO HEAR FROM XXXX  OF ITS RECEIPT OF MONIES, XXXX RECEIVED NOTIFICATION FROM XXXX, XXXX THAT THE MONIES WERE BEING HELD DUE TO AN OUTSTANDING DEBT OBLIGATION FROM AN ASSOCIATED ACCOUNT. ( exh 3 ) XXXX  INFORMED XXXX, XXXX THAT THEY DID NOT HAVE AN OUTSTANDING BLANCE DUE ON ANY ACCOUNT, NOR IS IT ASSOCIATED OR JOINTLY CONNECTED TO ANY OTHER CORPORATION THAT USES XXXX XXXX. ( see exh 4 ) AFTER RECEIVING THEIR REQUESTED DOCUMENTATION, XXXX  FALSELY DETERMINED THAT THE AMOUNT OF {$400.00} WAS INDEED OWED BY XXXX VIA THEIR EMAIL COMMUNICATION. ( see exh 5 )