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

My Name Is XXXX XXXX I was in XXXX for three months while i was in XXXX my tenant on the first floor furnace broke down and could, nt be repaired it have to be replaced, the cost for the new furnace is {$6500.00} so i went online and fill applications on several sites daily and getting several {$1000.00} offers and {$600.00} offers which i was turning down but not realizing that i clicked on a Esign document but i still continue to search for the loan, I return to the XXXX in XX/XX/XXXX still searching for a loan and did, nt check my account until a couple days later for my ss check and retirement check still did, nt until end of month that a withdrawal of {$170.00} was taken from account for a loan of {$600.00} i instantly contact the company that withdraw my money trying to get some answers why i was, nt contacted about an approval loan for {$600.00} they claimed they send me an email that i did, nt received i in return tell them if you guys had went about this loan the right way i would not have accepted this loan because it did not meet my caused, so i return requested paper work on this loan which was sent to me right away and i was shocked when i see the percentage rate for a {$600.00} loan IS RATE IS 714.54 % I call them back right away and informed that you are ripping off the consumer and i, m not paying you XXXX for a {$600.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting my Balance for my XXXX account XXXX My XXXX  account is OPEN, with a {$0.00} Balance with an {$800.00} Credit Limit. All the other credit reporting agencies are up to date except Experian which consistently lags or is slow to report accurate information especially my XXXX account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  put an incorrect inquiry on my credit report. I called and explained to them that I hadnt recent applied for a credit card and to not let anymore credit inquiried happen without 3 stage verification. They allowed another inquiry to take place the following day. When I called back to complain to them they stated they cant stop a fraudster from applying for new cards and I explained to them the technology is available for 2 step verification and this shouldnt be going back on my credit report again and again.. i had already placed a fraud alert on my 3 credit reports prior to the seconf inquiry and they were just allowing this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
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. Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. Name of account : XXXX XXXX XXXX XXXX Account Num : 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 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 report.
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts were opened fraudulently with this creditor and MUST be removed from my credit report : XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00}
Product: Debt collection

On XX/XX/XXXX I settled a debt with a 3rd party company ( XXXX and XXXX XXXX ) for money I owed to FlexShopper. It was done. Completely settled. Several times this year between XX/XX/XXXX and now I have gotten numerous phone calls and even text messages stating I owe them MORE than the original amount and that I never paid a settlement. I have emailed my letter of payment and spoken to a lot of different workers. I have begged them to update their system and to leave me alone. Today, XX/XX/XXXX I got another text about the debt and once more its more money than I owed. When the debt was settled I originally owed {$500.00}, now they claim I owe {$540.00}. I paid this in settlement and I need them to go away and leave me alone. No one seems to want to listen to me at FlexShopper, even after emailing proof and calling the 3rd party company, so maybe this will work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that does not belong to me that is linked to my name .... I have disputed this several times and it keeps coming back as verified.. I contacted bankruptcy dept and they said that they did not verify anything with TransUnion because they dont have a bankruptcy under my name and ssn .. I dont have any bankruptcy accounts on my credit report but have a bankruptcy which is letting TransUnion know I did not file bankruptcy ... Under FCRA protection for consumers.. I request TransUnion to send me method of verification ( a ) name of courthouse ( b ) the persons name they verified the dispute with ( c ) the address ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute ... And I need this deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

Unknowingly, I was involved in fraud with XX/XX/XXXX in 2018. XX/XX/XXXX was sued by the Attorney General 's office of Minnesota and the FTC and lost. In XX/XX/2018, when I became involved with XX/XX/XXXX, they encouraged me to open credit cards. I have now have credit debt I can not pay. My credit score of XXXX is now in the XXXX 's. I disputed all credit cards as soon as the FT closed XX/XX/XXXX in XX/XX/2018. The credit card companies denied my disputes. I want some guidance on if I am financially obligated to pay for fraud charges I never authorized or if I should file bankruptcy. I just don't feel like I should be held responsible to pay thousands in fraudulent charges that I never authorized.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 pay
ment 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.

CAP ONE AUTO 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

I pay excess principal on my monthly mortgage. The check is sent monthly for XXXX, and the mortgage payment due is around XXXX. Despite numerous calls ( around 10 ) to the mortgage servicer, they continue to intermittently misallocate my payment, helping themselves to extra interest or advancing my monthly payment by one month. They tell me it is fixed, and the next month they do the same thing. I bank with USAA Federal Savings Bank in TX. They originated the loan. Both XXXX and XXXX have serviced the loan, and both companies have repeatedly misallocated my payments. The information from XXXX is attached. The information from XXXX was modified after my call to them this week, and no longer reflects their misapplication of my XXXX or XXXX payment. This should also be illegal : changing banking documents rather than showing the correction-
Product: Payday loan, title loan, personal loan, or advance loan

Green Sky Finance company and XXXX XXXX XXXX is refusing to cancel loan due to contractor hasn't completed nor started the project within the timeline. I also gave down payment and they refused to send refund. I've ordered windows from XXXX by XXXX in XX/XX/2023 and they still haven't started with no updates, no response. The contract stated XXXX weeks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which cXXXX XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts are in violation of not reporting XXXX XXXX  accurate.
Product: Debt collection

A company XXXX XXXX called my number asking for my wife. 

XXXX associate says his name is XXXX XXXX - phone # XXXX I tried to call this number back and a recording says it's a non working number. 

He gave me a case # XXXX Says it is a Formal Complaint originated XX/XX/2014 and did not want my wife to miss her court date. 

Proclaims she got a loan from the The Cash Store. 
Originated XX/XX/2014 Debt proclaimed owed= {$1000.00} My wife nor I have never requested a pay day loan. 
He said that the birthdays do not match and the social did not match. I only gave the last 4 of my wife 's social. 
He said the complaint was for XXXX XXXX at our correct address, but birthday and social did not match and he would clear it up. This was the end of the conversation I am worried this is a scam and I gave to much information. My wife also received a similar call last week.
Product: Student loan

Hi, I consolidated my Federal student loans many years ago with Mohela and signed up for the graduated repayment plan. This plan is supposed to increase repayment every two years in order to pay the loan off at the estimated time. I recently started to dig into my payments and I've notice they have not change for a LONG time and now it is saying that I wont repay them until XXXX!! I graduated college in XXXX. The payments have not increased over time and I am barely under my original principle amount. I have even looked into the repayment options and I do not see the graduated repayment as an option anymore so I feel like my loan has stopped being serviced quite some time ago. I feel like I have been paying interest only payments all these years when i should have had automatic increases and my principle should be much lower than it is now. Mohela really messed up here. Please help!!!
Product: Vehicle loan or lease

I sent out a request for a duplicate title dating XX/XX/XXXX. Prior to that I have the vehicle paid off in full dating back to XX/XX/XXXX For the amount of about {$12000.00}. I have made countless calls and requests to Hyundai for a duplicate title to be sent to my current address and yet they continue to send it to my prior address that I no longer live at. I have received nothing but a run around for months about this issue and I am at my wits end. I spoke with a representative who said that the duplicate title was mailed out back in XX/XX/XXXX but to the incorrect address. I have spoken to numerous representatives of supervisors to make a note and date on the account that I have a new address for the past XXXX years and I no longer reside at the address that is on file. I understood that there was a different protocol to take for a deceased account since I am doing this on behalf of my mother, this is however, taking too long. This has been the second time they have mailed the duplicate title to the incorrect address and I have made Letters stating the correct address to send any documentation to, and it seems as though these letters are being ignored or simply not read.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.
Product: Mortgage

BEEN FAXING SINCE XXXX AND BEFORE FOR MODIFICATION, SAID NEED XXXXXXXX XXXX BUT AM XXXX XXXX  ALSO SENT SAID CANT READ AM USING MY PHONE AM A XXXX XXXX SO MAY NO BE CLEAR HAVE MY XXXX  SENDING FOR ME ALSO BUT ALL WAS SENT
Product: Debt collection

The below complaint is against predatory lending practices that disregards all legal norms and laws. 
I have never signed any loan with. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Shellpoint company is a part of predatory lending group and I want them to be held responsible for the XXXX-XXXX economy crush by the above bank Back in XXXX when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. I tried to short sell the home and set up pay-off of the debt. XXXX XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. It is over 10 years since I incurred debt that XXXX  XXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. I am asking for help as it is mentally draining to wait each month for the same scenario. I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Thank you for your time and help in this matter.
Product: Checking or savings account

I never received a welcome bonus after I had opened a new HSBC account following the instructions stated on the flyer I received from the bank. Since I set up a qualifying direct deposits last XXXX, the bonus should have deposited by XX/XX/XXXX. I contacted HSBC last XXXX to check the status of the welcome bonus and provided all the information the HSBC agent requested at the time such as my personalized code.

When I contacted HSBC via a chat on Mon, XX/XX/XXXX XXXX -XXXX  GMT, an agent named XXXX has the following comments : " XXXX : As there is a concern already raised for you, I see there is a update from our team that they are unable to locate your application. '' I have an active HSBC checking account, which was opened with a personalized code for the promised welcome bonus. Thus HSBC 's inability to locate my application seems to be delaying tactic. If HSBC can't locate my application, it is HSBC 's fault and the bank should pay the bonus immediately but the bank keeps asking me to check back with them a few days later. I contacted them 3-4 times so far based on their recommendations. HSBC keeps stating that they need a further investigation, although they told me today that they are " not able to locate my application ''.
Product: Credit reporting or other personal consumer reports

I am writing to dispute Account Name : LVNV FUNDING LLC Account Number : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number : XXXX The XXXX above accounts listed in my Credit report from the agency listed above Is misleading and inaccurate. I have no acknowledgment of who this company is, nor have I ever signed a PURCHASE AGREEMENT CONTRACT with this company. LVNV FUNDING is violating my rights as a consumer. I reported this information to the FEDERAL TRADE COMMISSION and I also filed an affidavit. Please be advised that this UNVERIFIED items still remain on my credit report, which is a violation. I have requested the original purchase agreement along with my signed agreement. Im demanding that these XXXX accounts be removed immediately from my credit report.