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

I had the loan however the interest was so high that I felt as if I was going to take longer than advertised to pay the loan.
Product: Credit card

I purchased a bedroom set from XXXX through fortiva for a loan amount of XXXX i called to set up auto pay so that my loan amount would be paid off on that 1 year mark. My first payment was for XXXX and then XXXX until it was paid off. I paid each and every payment on time. I saw today that they were still charging me and it's for a much higher interest rate that was initially discussed. When I purchased the bedroom set it took almost 2 months to recieve the set because every time it came it was broken or missing parts. They told me that my one year wouldn't start until the set was confirmed I recieved. Fortiva told me that my one year ended in XXXX which is also a mistake on their part. I set up what they told me to set up in order to have this card paid off and they gave me incorrect information. I never missed a payment either. The balance is much lighter then it should be at the interest rate that was discussed.
Product: Debt collection

I disputed a transaction that occurred on XX/XX/year>. PayPal claims they refunded XXXX times for this XXXX transaction, once on XX/XX/year> and again on XX/XX/year>. PayPal recommended we do a XXXX way call ( PayPal, my credit card company, and myself ) to clarify what happened. During that call it was verified by my credit card company that XXXX refund occurred for the XX/XX/XXXX transaction and that refund occurred on XX/XX/year>. My credit card company also verified there was NEVER a XXXX  refund. Even though my credit card company confirmed what I had informed PayPal ( which is that there was NEVER a XXXX  refund ), PayPal continues to harass me on this issue by asking for a copy of my bank statement for clarification. I provided the copy of the statement and again PayPal was not satisfied ( this time stating the copy of the statement was illegible ). I believe PayPal will continue with excuses to harass me about this second refund no matter what I do. PayPal has even sent my account to a collections company named XXXX XXXX XXXX XXXX. I received a letter from the collections agency dated XX/XX/year> attempting to collect {$930.00}. The {$930.00} is the amount PayPal debited my PayPal account when they claimed to have refunded me twice for the XX/XX/XXXX transaction which has put my PayPal account value at- {$930.00}. I should not be forced to pay the {$930.00} that PayPal debited my account due to this XXXX refund that PayPal insists happened because it NEVER did happen and its been confirmed by my credit card company that it NEVER did happen.
Product: Debt collection

File # XXXX and XXXX balance {$37.00}, {$480.00} I reached to to Central Portfolio Control Inc via phone and email at XXXX XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX ( both via email and by phone ). 

On the phone I asked to speak to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. This was the name listed on the letter which I recently recieved dated XX/XX/XXXX. However the person whom answered the phone refused to transfer the call and then proceeded to tell me that they did not have record of the information that I sent via email and CFPB which was my license, police and FTC report. Then he said that the client ( hospital ) denied my claim. Trying to understand how something was denied without all the facts and information, such as the current drivers license. 

The email that was sent to XXXX stated the following I am in receipt of your letter dated XX/XX/XXXX. File # XXXX and XXXX balance {$37.00}, {$480.00} The letter says if you believe that the amount set forth is not accurate, please send us documentation supporting your position but does not indicate where to send this information. 
License Copy Back.jpg License Copy.jpg I previously provided your agency with copies of the police report/FTC reporting XXXX and license via CFBP and email this email. But if not received, here is again. In addition, I will submit another complaint through the CFBP with this information. 

The documents you sent show a copy of my old drivers license ( taken when I was 16 ) which was lost and replaced in XXXX. The drivers license attached is the replacement which has a more current picture of me and what I would have looked like in XXXX. Attached you will find that license that replaced the lost license is dated XX/XX/XXXX, this date was before the service date of these charges. You should have all the information you need in order to submit a proper response to your client.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 mr cooper reported delinquent account for my mortgage that was placed in a loan modified /fed govt plan. On or about XX/XX/XXXX i discovered that this had happened when applying for a mortgage. I contacted the bank and made them aware of the problem on XX/XX/XXXX. At that time i was made aware by them that they had made a mistake by reporting my loan 90 days late which has prevented me from getting my new mortgage. Person at the time XXXX her Id XXXX was the one that confirmed this and told me that she would expedite this to get it quickly resolved, gave me a XXXX number for reference and told me that i would get a letter. I received the letter a few days later explaining that it would be resolved within 30 days but normally quicker that that! Called XX/XX/XXXX talked to XXXX XXXX Id number. And he said that he saw that it was in the system but they were so backed up that it would take a little longer. He also said that the second letter had been sent to me in which it never came. I in the mean time am not able to attain a mortgage because of their inaccurate reporting. Hurricane Irma was the reason for the modification i wanted one month and the bank said hey you only get one shot at this you might as well take the 3 months to be safe. I was assured and had called repeatedly that there was no effect on my credit. I have read complaints and am not the only person that they have ruined their credit because of the XXXX XXXX. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian 3 letters, XX/XX/2021, XX/XX/2021, and XXXX XXXX regarding two separate accounts from XXXX. They are reporting information that is incorrect stating " paid, was past due 180 days or more '' and reporting history well over 2 years old. This information is inaccurate and is a violation of my FCRA rights. It is damaging to my credit score. I have not received a response in over 90 days.

Ive included copy of credit report for both accounts as well as all three previous letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are enquiries that wasn't authorized by me
Product: Mortgage

Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?
Product: Debt collection

Please be aware that this is not a duplicate complaint. I have gathered copies of documents because I did not receive any correspondences from XXXX regarding the debt they claimed I owed. A Collection has been placed on my account for a debt that I paid through a payment arrangement fulfilled with XXXX XXXX in XX/XX/XXXX to pay off the debt on the account ending in XXXX for a XXXX XXXX credit card. I am attaching proof of those payments from my XXXX Bank account in accordance to the arrangement made with XXXX XXXX. 
XXXX contacted me in XXXX regarding the debt and I had to pay the bank for copies of my statements to prove that I paid the debt. I have attached email correspondences from their company regarding the proof sent for payments made on the debt. 
XXXX XXXX XXXX XXXX XXXX is selling this debt over and over to different collection agencies after the account has been paid. I do not owe this debt. XXXX is not taking into account the payment agreement made and satisfied with XXXX XXXX in XXXX of XXXX. The account name listed on the letter is indicated as XXXX XXXX. The account name on the statement is XXXX XXXX for the account ending in XXXX.
Product: Debt collection

Plaza Services - XX/XX/year> Have received nothing from them regarding this debt. I have Never owed anyone by this name nor given permission for said company to have a debt with me. They do not respond.
Product: Vehicle loan or lease

Transfered Leased car to other individual. Said individual always paid on time/closed in good standing, but NissanXXXX XXXX refuses to take off derogatory mark on my XXXX  report ( does not come up negatively on any credit bureau other than XXXX  ).
Product: Credit reporting

I recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXX Balance Owed : {$48000.00}.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these items are unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and is serious concern about consumers safety.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding overdraft fees that have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and fees. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair.I request an investigation into my transactions.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently got a notification from XXXX XXXX informing me that an account on my Equifax credit report from XXXX was removed between XX/XX/year> through XX/XX/year> and then later added on between XX/XX/year> through XX/XX/year>. I never disputed this account with XXXX XXXX or Equifax XXXX XXXX as this account helps my credit scores and because of the account being removed and then back reinserted it has cause significant damage to my credit report which is a violation of the ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you have a right to the fair and accurate reporting of your credit information. You're also entitled to certain privacy rights concerning your credit information and protection from the misuse of your credit data. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan

A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.
Product: Debt collection

Hello, I hear by dispute the validity of the alleged debt listed below entirely. I also request verification off all alleged debt, specifically a copy of the original Purchase Agreement. A n agreement must be with the original creditor and sign by all parties involved. I am requesting this because I have had different companies reach out to me regarding the same alleged debt. XXXX XXXX XXXX XXXX XXXX - {$360.00} It is my priority that all such agreements and associated practices fully comply with applicable credit monitoring laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). We value a transparent and compliant business relationship and believe that addressing these matters will ensure that both parties meet their regulatory obligations while safeguarding consumer rights. I am requesting IMMEDIATE Deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You MUST Cease Collection efforts until this alleged debt is validated. You MUST show proof that you legally own this alleged debt and that is accurate and complete. To ensure our mutual compliance and the protection of consumer information, we kindly request the following : Provision of Agreement Documents A complete copy of the proposed Purchase Agreement outlining the terms, conditions, and obligations of both parties. A detailed copy of the Forward Flow Agreement, including the volume, pricing structure, and scheduled transfer dates for the accounts involved. Compliance with Credit Monitoring Laws An explanation of how Source Receivables Management ensures compliance with the FCRA, FACTA, and any other applicable credit monitoring laws in its account reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that 3 Credit Bureaus closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. 

XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. 

XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. 

So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.
Product: Student loan

My student loan is reporting to the three credit agencies and I did not give permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to submit online disputes regarding my Equifax personal credit report. Each time, while making online disputes, Equifax suffers a " technical error '' and shuts my online dispute down. This has happened several times. I tried contacting Equifax customer service, but each time I was ignored. The web email dispute system that Equifax offers instead of the online dispute is inadequate because my Equifax credit report does not include the full account numbers for the accounts I am trying to dispute. Without the full account numbers, I can not complete the web email dispute form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from XXXX at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX