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

I took out a loan for {$1900.00} on XX/XX/XXXX from XXXX. It was supposed to be a payback every other Friday on my pay date. Instead my payments were set up for every Wednesday. I contacted them by email to get it changed and also asked for automatic payments to be turned off. They did get it turned off. I was struggling with payments so I asked for a different payment plan. We were not able to come up with a plan so it got further and further behind. The last communication I had with them was an email on XX/XX/XXXX asking for payment. On XX/XX/XXXX, I received an email letting me know that my account was transferred to Emergent Servicing with a balance of {$3100.00} due. 
On XX/XX/XXXX, I took out a lease-to-own agreement with XXXX for a purchase. This is a completely different division than XXXX. I received the agreement and payments began for every Friday as agreed. On XX/XX/XXXX, I received an email from XXXX stating the following : Congratulations on your loan. Please be advised you have entered into a loan agreement with XXXX weekly payments at 164.55 % APR. Unlike the lease-to-own program, XXXX same as cash is not an option however you can pay off your loan at any time without penalty by calling XXXX & XXXX Technologies XXXX XXXX XXXX Payment frequency can not be adjusted with the loan program the payments are set to the date and day of your loan agreement. 

If you have questions regarding payments or balance please contact XXXX the servicers of your loan. 

I was confused because that was not the agreement. I called the number listed and they put me over to XXXX XXXX. I called XXXX and spoke to XXXX who was very aggressive and told me I needed to pay my loan from XXXX. She wanted me to pay it immediately on the phone. When I asked for details, she said that she would not honor any agreement after we got off the phone that day but would send me details. 

I am extremely upset with this deceptive practice of them making it sound like my lease-to-own through XXXX was now changed XXXX a loan through XXXX. And then when I called and was confused, I felt that I was being forced to do something without being able to review the documentation. I have since received an encrypted email message from them but it wants me to set up an account with them to view it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account.
Product: Credit reporting or other personal consumer reports

Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have disputed and called each company to resolve this problem.
Product: Mortgage

My home in Florida suffered flood damage from Hurricane XXXX on XX/XX/XXXX. I took mitigation action IAW FEMA rules and worked with my insurance company for claim resolution. After four months I received a claims check and forwarded it to my mortgage holder - US Bank. I fully explained my situation with US Bank and followed their instructions to submit receipts and detail the work accomplished on the property. We were unable to get a contractor to even start repairs on our house for four months so I did much work myself and brought in specialists as necessary. I documented all of this to US Bank but they want more information before they will even consider processing an " exception '' to reimburse me from my flood claim payment. I will provide them the info but have no doubt they will continue to delay reimbursing me in order to use my insurance money to their benefit. As a XXXX veteran living on a military pension I am now financially hampered after using over {$60000.00} of my savings to repair my home so I can live in it. US Bank has taken my insurance payment of over {$66000.00} and is unwilling to provide it to me to reimburse me for work completed or finish the repairs. 
US Bank Loan acct # XXXX Claim tracking # XXXX Property address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

Report inaccurate information on my credit report. Reports that i made payment to them when I have never paid them causing harm to my credit in XX/XX/year> now they list the account as closed but I never opened the account with them I never paid them and now they show I made payment and then closed the account. I have no clue or have any business with this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXXXXXX XXXX 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 was 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

My mortgage was recently transferred to Shellpoint Mortgage Servicing in XXXX. My previous servicer had my account on auto-draft. I didnt know my account was transferred to their bank because their bank was sending the statement to XXXX XXXX , XXXX  and I live in XXXX XXXX  ( Im enclosing a copy of that bill. ) After receiving a call from their bank in XXXX, I made XXXX lump sum payment, updated the correct mailing address, and asked to be put back on auto draft. 

I understand the importance of maintaining accurate records and appreciate your attention to this matter. I kindly request that you investigate this discrepancy and correct my account records accordingly. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I look forward to resolving this issue promptly. --
Product: Credit card

Summary : In XX/XX/2024 my Citi card details were stolen online resulting in multiple fraudulent charges. I disputed each charge, and Citi changed my card numbers as a result. Citi credited all but one charge and they and the vendor claim it's legitimate, but it is not. 

Details : - The amount in dispute is {$58.00} ( originally charged in Euros ). This charge occurred XX/XX/. 
- The charge is with XXXX, a video game company, for a video game download code. 
- Only my husband and I have access to the credit card. Neither one of us has been or is a gamer. 
- The Customer email included with the charge is not me and is not anyone I know. 
- The charge of {$58.00} is fraudulent. 
- I provided a written statement to Citi on XX/XX/2024, that this is a fraudulent charge. 
- Citi is choosing to believe the vendor over me as a client despite there being other fraudulent charges on the card at the same time and despite my written statement that this is fraudulent. 
- Citi notified me XX/XX/2024, that they were reversing and posting the charge to my account. 

I wish to file a complaint against Citi for not properly handling what is clearly a fraudulent charge.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit card or prepaid card

walmart decreased the limit without any waring then closed the account i reached out to walmart and stated that since you decreased my limit and closed my account without any warning my account is PAID in full please leave it close and remove it from all 3 major bureau i was told Yes then sent a letter stating that was incorrect information. I would like Walmart removed from my 3 major credit bureaus
Product: Debt collection

I am the employer and the bank continues to make calls to employee at place of work, directly to Management 's phone line.
Product: Payday loan, title loan, or personal loan

The reason for my complaint is that I had changed financial institutions back in XXXX and I contact the company to update my billing. I explained to the representative that I changed banks and if me updating my auto payments on the site is sufficient or do I need to update my debit card on file for payments to be charged. I noticed that they have been debuting my account twice a week. Once on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX via debit card. I checked my account again they are still continuing to take two payments out due to the reps error. Once on XX/XX/XXXX and again XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Kashable LLC This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete account Kashable LLC Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Kashable LLC is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 XXXX XXXX XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX requested a credit Score from TransUnion, which they provided. Due to this score ( XXXX ), XXXX XXXX rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still TransUnion add them to the reason of the low score. 
The Actual score when logging in the TransUnion website is XXXX. TransUnion Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day. 
If I had known the actual score that TransUnion was going to report, I would made a different choice that was not going to affect my credit score.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full  payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX   XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Product: Debt collection

I sent a certified letter to company requesting verification of debt. I was sent a form that looks like a bill, but the bill was in my maiden name and the bill had no date or signature from me.
Product: Credit card

Capital One had made an unsafe demand that I pay my account on a date completely contrary to the reporting and standard bill date. This erroneous command by the credit card company caused my ( great standing ) credit card to b =e reported for several months as a delinquent account. I rrepeatedly asked for details and corrections but they ignored the safety of the account. I am repectfully demanding the account be return to it's good standing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act 15 u.s.c section 602A states I have a right to privacy. 

Down below are inquires that are posted on my credit report that I do not have knowledge of. 

COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2024. Deposited a check in the amount of {$120000.00}. Was told that on XX/XX/2024. I will be able to have my cash in my hand. 
On XX/XX/XXXX I was told I cant have access to my money. I requested To talk to someone. They told me they dont have anyone I can talk to. Someone with higher authority ( unknown ) needs to authorize if I can get my money. They have committed securities fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

Hello Today I have received a called from my son that Designed Receivables ( collection agency, called him, to leave me a message that I was going o be served at my worked place, I have been trying to solve this situation with the collection agency for months Maybe more that a year already, only thing that they do is re ager the account, and increase the amount " owned to them '' is this even legal?
Product: Debt collection

I was contacted by LVNV Funding LLC about some alleged debt in my name. I have had fraud on my account through the XXXX XXXX and also by several other methods. When they reached out to me, I was not given notification as required for this debt. As soon as I seen it on my credit, I disputed it and won. It was removed off my credit. 30 days later, XXXX of the said debts re-appeared. XXXX was for XXXX and XXXX. The XXXX was removed for over a year and now has reappeared. Neither debt was verified as requested, I was not given any validation of this debt as I requested multiple times. I asked them to stop contacting me about this debt and they still continue to contact me. How can you remove debt for over a year and then its put back on my credit without verification, proof that the account was properly transferred to their ownership and that they are legally able to collect such debt. I have fought the inaccuracy with All three credit bureaus. This has ruined my credit and life. I can not get a house or anything for that matter. They have the debt as being opened when it should be listed as closed. They have the opened date in XXXX of XXXX, when this alleged debt was opened in XXXX. They have the age of the debt as being 1 year and 4 months old when that is incorrect. They are rotating putting the accounts on my credit. At first both amounts where on my credit and I disputed them. The XXXX debt was token off my credit for over a year. Now they took the XXXX debt off my credit and now putting the XXXX debt on my credit only. Are they allowed to toy with my credit like this? They are posting past due when the account is not past due. At what point are they not allowed to do this, All I ever asked for is verification of debt with my signature and proof they the Authority collect said debt. I " asking if someone could look into this please. Again All i am asking for is verification.