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

XXXX XXXX is not licensed to do business in the state of Virginia.
Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge m ore
than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 

Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. 

Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. 

Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a prepaid debit card from XXXX XXXX for an overpayment to XXXX XXXX for {$38.00}. I tried to activate the card via their XXXX number, website XXXXXXXX and app XXXX XXXX XXXX XXXX. The phone number is a dead number, the website is a deadlink and the app doesn't work either. I then tried to call the customer service number XXXX listed on the back of the card. It too is a dead number. Now I have no way to activate the card and recover my money. In the meantime there is a $ XXXX monthly service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. All three Consumer Reporting Agencies ( XXXX, Experian, and XXXX ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report.

See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly.

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Product: Checking or savings account

I noticed transactions on my Bank of America checking account. I reached out to Bank of America Fraud Dept and filed a claim. Claim # XXXX Claim was Denied on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX where the charges were made. XXXX confirm that charges where fraudulent. Faxed letter to Bank of American on XX/XX/XXXX disputing their findings. Called XX/XX/XXXX and spoke to fraud Dept to let them know that i spoke with XXXX and seeking legal counsel. amount of charges to my checking account totaled {$11000.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.
Product: Credit reporting or other personal consumer reports

I dont know why equifax keep sending me papers saying they dont have my information my personal information after I just sent in all my docs to like 3 different equifax businesses they playing with my financial health and also my mental
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'm writing this complaint to asked you to please remove a credit inquiry that was Pulled on my XXXX credit file on XX/XX/17 For a XXXX Credit card. I was approved for the card! but however your website DOES NOT state that each team have a master or Visa card assigned to each Team in my case I 'm a XXXX XXXX XXXX Fan and that team has a master card logo per your rep at Barclaycard. therefore I did n't not get the team logo of my choice that would be like someone at Barclaycard coming to work with a XXXX XXXX XXXX t shirt on that would n't go over so well! I was approved for visa. I will not carry another teams card around IN WHICH The card that I canceled would have did me no good also I will not allow another hard inquiry on my credit file which I hope you will understand Therefore it would n't have did me any good. You need to update your website and make it clear for Customers who is applying for XXXX  cards. I Immediatley canceled the account Ending in XXXX myself that I was approved for and I asked you to please Immediatly remove the hard credit inquiry from my credit XXXX report file thank you for your speedy and full cooperation Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on-line for an Amazon Store bank card  XXXX XX/XX/2022, I received a email letter from Synchrony Bank requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a Synchrony bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. 

Not only Synchrony Bank employed agent was not truthful in his statement, he failed to mention that XXXX XXXX XXXX would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from Synchrony and XXXX XXXX 
Due to what appears to be an unscrupulous practice, I will never request and/or apply for any products or services from both said banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations
Product: Mortgage

I am trying to get help from my mortgage investor, I am asking for a 6 month repayment plan, I was told that they will not help me by my mortgage service. I have tried 2 times to contact my investor by email and have not heard anything from them. I was told they will only approve a 3 months repayment plan, because I am in foreclosure which has been on hold for a year. I dont have the amount of money that my mortgage service wants for a 3 month repayment plan, but I can put down XXXX on a 6 month repayment plan. I just need this Bank to contact me but so far they have ignored both emails.
Product: Credit reporting or other personal consumer reports

The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a XXXX balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX  XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchase some parts off the internet through XXXX XXXX. I never received the parts. XXXX XXXX did nothing and told me to contact my card company. Before I made the purchase, in a recorded conversation, I asked my rep if I Pay and dont receive my item was I covered? She without hesitation said if I do not get what I pay for Discover will refund the item. Discover turned it into and XXXX issue that they say I sent the money and that its kver. The issue wasnt did I send the money? The issue is I was defrauded, which they said I was covered. Had they said no in our conversation then I would have never used XXXX, which I will never use again. I feel as though XXXX has bullied them into keeping my money and not protecting me, their client. 
fraud /frd/Submit Learn to pronounce noun wrongful or criminal deception intended to result in financial or personal gain.

" he was convicted of fraud '' synonyms : fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement ; More a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.

" mediums exposed as tricksters and frauds '' synonyms : impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank ; More
Product: Checking or savings account

Your payout has failed We've canceled your XX/XX/2023 withdrawal of USD {$8900.00}. 
Common causes of a failed withdrawal : Chase XXXX Payments Your account has been closed Unfortunately, we can no longer support your business and we'll need to cancel any pending payments. 

Because your account is susceptible to a high chargeback or dispute rate, we have to put your remaining balance into reserves for a minimum of 30 days. If your balance goes negative, we'll recover those funds from your bank account. For full details, you can read our Terms of Service : XXXX XXXX XXXX 

Thank you for understanding and we apologize that we couldn't offer a better solution. 

The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. 
The bank account number is invalid or mistyped. 
The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. 
If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow XXXX business days for transactions like this to complete. 

If you need any help, or have any questions, let us know by responding directly to this email.
Product: Vehicle loan or lease

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10 Posseion of Product with TITLE!!! 
{$1000.00} EACH VIOLATION OF MY CONSUMER RIGHTS!!! 
RETURN ALL MONIES TO THE Executive of the Estate of XXXX XXXX XXXX XXXX XXXX With 15 % Interest of VALUE OF THE CONTRACT AT HAND!!!!!!!!!
Product: Mortgage

I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an international student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX of my profile
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. This account is INVALIDATED for it is no longer reported in TransUnion and XXXX. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 8. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 9. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Mortgage

When I mail in payments, XXXX XXXX refuses to post them to principal only. They keep extending my payments due by months in advance. I've submitted a written request for them to apply my payments to principal, but they continue to apply to principal and interest. 

After sending a formal request, they sent me XXXX letter stating that they were going to provide the requested information, but they never have. The last letter was dated XXXX, the other was XXXX
Product: Debt collection

I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.