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

I have been making payments on my loan with Lendmark Financial 's XXXX office for several years. I have been repeatedly 10-15 days late making my monthly payment. When I moved to Oregon I updated my contact information with them. And in hindsight it was foolish to have provided my work # given I am not allowed to receive personal calls at work. 
Despite mutiple requests and demands from me since, as well as my manager talking to their agent and telling them I am not allowed to receive calls at work, and my demand to their office manager XXXX that they stop and remove my office # completely from their system, which she assured me had been done, I have received dozens of calls to my work, each and every time I get the call I tell them I can't talk at work and later speak with them via my cell. I thought it had finally been resolved and hadn't gotten any more calls to work for a few months, until recently. 

I have received 5 vm msgs at my work since XX/XX/2019. I sent an email again demanding they stop calling my work and they called me at work AGAIN claiming my cell # wasn't working. They had inexplicably called a cell # I haven't had since I moved to Oregon and they had called me on my cell as recently as XX/XX/2019. Even if my cell was disconnected they do not have the right to call me at work and they know this and do it anyway.
Product: Debt collection

I have no business with professional placement service Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # 109 XXXX XXXX # 109 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

About 6 weeks ago there was a message put on my Capitol One account that funds were not accessible to me. I called the #, which took me to a voicemail. I left multiple messages, one day somebody called me back and explained that they were closing my account due to transfers not happening. The issue for me is it took way to long to transfer funds from my XXXX account to the Capitol One account and I was going to close it anyway. They told me as soon as all pending activity cleared they would send me my funds. I call every day and ask for a call back, none as of yet. Still no funds and still the same message on my account. Please help me, I am not wealthy and the money is needed.
Product: Credit card or prepaid card

Received an email notification about a newly opened Chime account which I did not request or apply for. When I went to the website, the authorization phone number was not mine. 
Per their website instruction, I emailed XXXX. That email suggested I either open a chat or wait 24-36 hours for a response. So I opened a chat. That rep told me I needed to email support @ chime as they could not help me. I replied to the email again and received a response that my case was now closed, since I had opened a chat. 
Now have had to send another email and wait another 24-36 hours for a response...
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, SELF / LEAD Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, AD XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I noticed on XX/XX/XXXX that most of my money was taken out of my account and call TD bank to dispute the charges. After they received the claim they denied it stating the pin number was used and the card was not used after it was shut off. I put the claim back in on XX/XX/XXXX and it was denied again. It's about {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from A+ LOANS. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing XXXX that I had not received any correspondence in 30 days and that the reported inquiries and collection account from A+ LOANS need to be deleted.
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

This is about an issue I'm having with certegy payment solutions. They are a company that makes recommendations about whether a consumer 's credit worthy or if it would be risky to allow a check to be cashed. I have been having the same problem for several years now. I am not allowed to cash a check at XXXX because of risk factors. XXXX provides a receipt with a transaction number and other particulars and says to call Certegy to find out why. When i call Certegy, Certegy apologizes and says they have no negative information on me. So why did XXXX deny me cashing a check? They can't answer that. They are evasive and speak in vague terms. They were talking in circles. And the icing on the cake? Today after being on the phone for over an hour, the supervisor pretended she couldn't hear me and hung up on me. So I immediately decided to file this complaint. 

This is my life. My money. Why can't I get a straight answer from them?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I requested that Barclays close my Uber credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my Barclays Uber Card and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and Barclays flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team ; I'm not sure what's going on with this XXXX XXXX account number. It just doesn't make sense at all. I personally went to XXXX XXXX because i saw a charge-off account on my credit for {$280.00}, and when i talked to a representative there, she said that it was transferred to XXXX XXXX XXXX XXXX. However, when i check all my 3 bureaus ' credit reports, it's not reporting as such. NOt only that, my the balance that's on my credit report is completely incorrect - instead of {$280.00} charge off balance, the rep said it's now $ XXXX. How is that even possible. For the last 6-9 months, i been trying deliberately to resolve the issue, but the credit bureau and XXXX XXXX continue to reply back as reporting as accurate. How is that possible? If the account is reporting incomplete, misleading, incorrect information including the balance and they failed to report who is the company that they transferred to. This is illegally reporting and it's unverifiable account. It's my understanding under the provisions of frca, that the furnisher and the credit reporting agencies need to ensure that the account is reporting 100 % accurate - well,, this is inaccurate this is in violation of the consumer laws. 

Again, here is the list of errors with this account for your summary : This account has the wrong balance This creditor does not own this account This account was sold but still reports a balance Doesnt show transferred/sold but does not say paid and doesnt have a balance Each bureau reports a different date of last activity Account has been re-aged Account disputed and nothing was sent to me to legally verify this account this is the confirmation of payment : CONFIRMATION OR ID NUMBER : XXXX XXXX XXXX XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As I, XXXX XXXX notified Transunion, I am a victim of identity theft, I am not a credit fix it person or a agency as Transunion accused me of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, AMERICAN HONDA FINANCE, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in Chapter XXXX Wage Earner Plan. Recently a creditor reported a charge off to the credit bureaus for a vehicle that my ex-wife has, or had. By the divorced agreement, and the court indicated that she was responsible. I sent these papers the divorce papers and agreement via certified to this company, explaining such in XX/XX/2016. I didn't know that there were arrears at that time, neither did I know the arrears were being paid and included in my current wage-earner plan. In fact, those arrears were paid. I've heard nothing from this company for more than three years, until recently this pops up on my credit reports. Which I feel it is malicious act and may be a violation of the automatic BK stay. I can only imagine they were not able to collect monies for my ex-wife and have decided to destroy what's remaining in my life. I will fight this as hard as I can, even if I have to go to the media. This is malicious.
Product: Payday loan

This PayDay Loan was paid multiple times with increased fees and interest. I refused to pay the last balance and will not pay it.
Product: Checking or savings account

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

I am reaching out with deep concern to formally dispute inaccurate information that is currently being reported on my credit report. 
Regrettably, the following items have been misreported and are having an adverse impact on my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly showing that I have one late payment, when, in fact, my XXXX report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly showing that I have XXXX late payment, when, in fact, my XXXX report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : As I previously disputed this account with the credit bureaus, and it was successfully deleted from my XXXX report. However, XXXX failed to conduct an investigation and did not remove the disputed information. 
This oversight is causing me a great deal of stress and XXXX, and I am hoping it can be addressed promptly so that I can move forward without this mistake hanging over me. 

Inquiry : XXXX XXXX XX/XX/year> Im writing with a heavy heart, as Ive discovered that these items on my credit report are either inaccurately reported or have already been resolved. Despite my efforts to address this, the issue remains unresolved. Ive already reached out to both the credit reporting agency and the data furnisher, but nothing has changed. 
The ongoing error is causing me a great deal of distress, and I kindly request that these items be thoroughly investigated and corrected as soon as possible. 
To support my claim, I have attached documentation and screenshots of my credit report, which show the inaccurate information. I sincerely hope this matter can be addressed promptly, and my credit report updated to reflect the correct details.
Product: Student loan

XXXX promised it would help obtain more desirable jobs and higher income to better their lives. 
XXXX targeted me, I couldn't afford to pay its high tuition out-of-pocket. Therefore they pressured and coerced me using aggressive tactics into several high fee, high interest private loans to cover the gap that I could never afford to repay.
Product: Debt collection

Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX    XXXX, XXXX with a balance of {$150.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX {$10000.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.