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

I filed a previous complaint against Benworth for lying about the funds being deposited in my account. Also, anyone can publicly view their nasty, unprofessional, mocking response on this website where they lied and said the funds are already in my account. They also appeared to be making fun of me. I created an account with XXXX  and what you see in the screenshot is proof that Benworth lied to the CFPB and did not disperse the funds in my account because the XXXX clearly states that the funds have not been dispersed. I stand by my original statement that they lied about depositing the funds into my account. I authorized a different agency ( that Benworth might think twice about getting snippy with ) to thoroughly research my information that I turned in to XXXX because I have nothing to hide. It still says " Borrower Funded '' on the website but there are no funds. I imagine, based on their behavior on XXXX, that Benworth will try some sort of retaliation tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

iLendingDirect pulled my credit via XXXX  without my consent and notified me via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX, FL XXXX XXXX REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX  THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

This is my six 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 records 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, XXXX and Transunion for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed an inaccurate information without explanation. Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similiar manner.
Product: Credit card

I have consistently made timely payments on this account and have never allowed them to become overdue. I am unclear about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2020, I sent money via " friends and family '' using PayPal 's service to someone who turned out to be engaging in fraudulent conduct. This person was believed to be associated with my sister 's church and I was transferring money for tickets to a XXXX  conference. After sending the funds, I was provided with a link that would not work for the tickets I had paid for. The name on the person 's PayPal account was also different than the person I believed I was purchasing the tickets from. I immediately contacted PayPal when I realized that I had been scammed and they told me they couldn't help me as it was a " friends and family '' transaction. They suggested that I contact my bank, which I did and put and stop payment on the funds coming out of my checking account. The funds were only briefly taken out, but then returned to my checking account. I then filed a dispute with PayPal as my PayPal account was showing a negative balance. PayPal claims to have reviewed by account and has closed the case. They are permitting this individual to scam other people. I would like assistance in crediting my PayPal account, but most importantly, I would like to have this person stopped as PayPal hasn't done anything to prevent it from happening again to someone else. As you can see in the messenger thread I've attached, the person providing the tickets was " XXXX XXXX '' but the name on the PayPal account is " XXXX XXXX. '' The person took themselves off XXXX XXXX shortly after the event occurred and I was unable to reach out to them. I have made XXXX aware and have also filed a complaint through the FBI 's Internet Crime department just yesterday.
Product: Mortgage

I made my first payment of {$320.00} to freedom mortgage bank XXXX XXXX XXXX in XXXX XXXX XXXX. I had no information whatsoever on where to mail the payment the bank received the payment on XX/XX/XXXX. I had XXXX calling every day asking to get the escrow account taken off my account but they had no account on file. On XX/XX/XXXX I finally got a welcome letter with my account number! The address that I sent the payment to is there customer care department so I was relieved to see that on the latter. I called over there and explained that I wanted my escrow account taken off and that my payment went there.No problem they will get it to the payment department. Still has not happened!! I made a payment on XX/XX/XXXX for {$320.00} they received XXXX actually got my first statement so it went to the correct address. I had to email the escrow department and request that they take my escrow account off my loan and sent them proof of payment of taxes and homeowners insurance. They denied me. If I pay XXXX payments in a row they would take it off. With the way they XXXX up the account every eeek thats going to be impossible!!!. I made a payment of {$610.00} on XX/XX/XXXX to bring the last XXXX payments in full with escrow fees. Now XXXX totally current and mad! I received a letter on XX/XX/XXXX that they are going to start foreclosure proceedings!!!! And I need to complete the package of paperwork and return by the XXXX that of XXXX! Mind you they received the payment of {$610.00} on the XXXX th of XXXX. I called and asked are you serious? Foreclosure in the second month? And what does suspense mean on a payment? They didnt know. I reminded them about my {$320.00} payment not being moved from customer service as well. I called every day about that payment! I am retired and have nothing else to do but get on them about my money!! So XX/XX/XXXX I made another payment this is going to be for XXXX payment!! They received another wire payment of {$630.00} for XXXX. Yet my statement shows that I owe {$1200.00}. You do the math! So now I dont owe them until XXXX. I get my I just received my statement for XXXX and I still owe them {$1200.00}. I have sent all XXXX department emails with my bank statements but they wont accept them. I called my bank and what freedom needs to do is go to their bank request a verification of deposit form and complete it send it to me I have to sign it and send it to my bank. It will take up to 30 days for freedom to get documents from my bank. Calling th bank gets you no where!! Sending emails on there secure email system is a waste of time so I send them to all there departments twice! And the very first payment still has not been applied to my account! That was back in XXXX! 
My concern now is when they pay off my loan the payoff is going to be wrong because they have not applied my payments correctly!! I gave up asking them to correct them XXXX weeks ago. Ready to fly out there face to face!!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$8300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide XXXX XXXX Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off the balance of {$350.00} on my XXXX credit card two days before the due date. On XX/XX/XXXX they charged me {$6.00} interest on purchases when my balance was XXXX. Then on XX/XX/XXXX they charged me a late fee of {$6.00}. On XX/XX/XXXX they charged me a minimum interest charge of {$2.00}. I called and asked why the charges on a zero balance account and they said they would refund the charges. however, they only refunded the two latest charges totaling {$8.00}. They did not refund the first charge of {$6.00}. On XX/XX/XXXX they charged me a late fee of {$14.00}. On XX/XX/XXXX another minimum interest charge of {$2.00}. Then on XX/XX/XXXX my repeat order was charged to my account in the amounts of {$25.00} and {$5.00}. On XX/XX/XXXX a late fee of {$22.00} was charged to my account and a minimum interest fee of {$2.00} was charged on XX/XX/XXXX. On XX/XX/XXXX I sent a secure message to them asking to have the charges removed. They refused. On XX/XX/XXXX I again sent a secure message to them asking that all the charges be removed. They refused again. On XX/XX/XXXX a late fee {$35.00} was charged because I did not make my payment on time due to a death in the family. Interest of {$2.00} was charged on XX/XX/XXXX. I made a payment of {$31.00} on XX/XX/XXXX which was the amount of my purchases. On XX/XX/XXXX a late fee of {$40.00} was charged to my account as well as an interest fee of {$2.00} on XX/XX/XXXX. On XX/XX/XXXX a late fee of {$35.00} was charged as well as {$3.00} interest on XX/XX/XXXX. 
On XX/XX/XXXX, I called Comenity Bank and spoke with a representative who told me he would refund all the late fees but the {$40.00} and that I would also have to pay all the interest charges totaling another {$15.00}. I was asking him why when the call was disconnected on his end. I made a payment online for the {$40.00} late fee and the one interest charge for {$2.00}. I should have only paid the {$35.00} late fee instead. Then I called back and spoke with a different representative who put me on hold twice and then told me after talking to a supervisor she would refund the two late fees totaling {$75.00} and that I would have to pay {$90.00} remaining balance. Again I told her I did not owe that because they made the error back in XXXX and refused to fix it. I asked that all the late fees and interest charges except the one I paid be removed from my account and that all the derogatory information they sent to the credit bureaus be removed also or I would file a complaint with the government. She refused and maintained I owed her {$90.00}.
Product: Credit card or prepaid card

On XXXX I noticed I have fraudulent charges to my discover card. 
I called Discovered and notify. A month later I received a affidavit which I signed and return. On XX/XX/XXXX I received a letter thru the mail stating that the charges were mine and I need to pay. 

I called this Discover and they told me that they have determining that the charges were mine and I was responsable for the payment. At this point in time they can not do anything. 

I am a victim of Fraud and is in my credit report. I am not going to pay for charges that I not done. 
Sun XX/XX/2018 Merchant name is XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2100.00} Sun XXXX XXXX, 2018 Merchant name is XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Merchant category is Merchandise Amount is {$99.00} I want these two charges to be remove of my account.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible TXXXX XXXX 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 or other personal consumer reports

I have inaccurate information on my credit report and I was informed it's due to XXXXLexis Nexis. I requested these accounts with them to be removed as well as my information to be locked a year ago and that has not happened. 

I reached out in XXXX of this year to have alot of information removed from my consumer report and I did not get correspondence back. 

I am reaching out again as this is hurting my credit and has cause my score to decline significantly.
Product: Debt collection

Fraudulently opened by ex employee. Never had my consent or authorization. This is fraud.
Product: Credit card

My email address was used for someone's credit card account. I do not have a credit card with this company. The company was Destiny Mastercard with Concora Credit Inc . They sent emails to me regarding a statement for this credit card. I called and they stated that the name on the account does not match my name so they will let their people on the backend know. I am unsure why they do not have email verification as this would have prevented the situation. I was worried my identity was stolen.
Product: Checking or savings account

The company did not read the prior complaint and address my concerns. The company refunded the junk fees as requested ( thank you ) but did not close the account and remit the balance to me as I have been requesting they do since XX/XX/2023. Instead they focused on the reporting of the account to my consumer credit report, which was not part of the complaint. But, thank you for verifying that you were not reporting me negatively. 

I should of made the request even simpler. 

1 ) Return the Junk Fees that were assessed to my account. 
2 ) Close the checking account. 
3 ) Remit the balance of said checking account to me. 

Not sure why the BOA branch manager I talked to in XX/XX/2023, and the BOA representative who handled the 1st filed complaint with the CFPB can't understand the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amcol Systems, Inc ( XXXX XXXX ) XXXX XXXX  XXXX XXXX, SC XXXX Account # listed on demand letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ID # XXXX After taking a look at my excellent credit score, I noticed on my XXXX account on XX/XX/XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Florida 5 Itemized breakdown of money owed and why If you continue  attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : it also states that a consumer report 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.