23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. 
Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.
Product: Credit card or prepaid card

I had fraud on my Capitol one card XXXX ending with XXXX a charge for XXXX XXXX on XX/XX/XXXX This was a fraudulent charge on the card so Capitol one sent me a new card which before I even received put the Fraudulent charge back on my new card. I verified my Identity and then sent a New card, they sent to the wrong address after giving me confirmation via email that they had successfully updated my address. Now I must verify my Identity again when it was Capitol Ones Mistake sending to the wrong address. When I call it is 30- 2 hour wait all the times I have called. I don't feel I should have to verify who I am when it was their mistake. They also sent ( 2 ) other cards I have with them to the correct address. They reposted the Fraudulent charge to my card before I even received it and this is a violation of the FCRA because I already stated it was fraudulent. if you check through Complaints with the FTC you will see this company has been illegally taking monies from Customers accounts. There are multiple Complaints. The told me they received the card back but refused to send it back out to me because their Computer was showing that XXXX was a XXXX, Co address and I live in XXXX Co. They still have not sent me that card the XXXX card until I verity who I am. AGAIN I am legally XXXX and the options they have to verify are send a code to my cell phone. I don't have one because IM LEGALLY XXXX. I just want my card. sending to the wrong address could have played out very badly for me but luckily someone sent it back to them. And they violated the FCRA by reposting the Fraudulent charge onto my new card! supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ) is a clear violation! I just want my dam card!
Product: Checking or savings account

Subject : Ongoing Issues with Unauthorized Transactions at Bank of America To Whom It May Concern, I am writing to report ongoing issues with my Bank of America account related to unauthorized charges from XXXXXXXX XXXX. Despite multiple communications and the bank 's acknowledgment of these unauthorized transactions, I have not received adequate resolution. Ive was also lied saying that upon each block that was put on on the Consumer account to prevent anymore unauthorized charges from XXXXXXXX XXXX the Block comes off once a new debt card is issued and if that was true then then what was the purpose of putting a Block on in the first Place if receiving a new debit card was going to take the block and why was I not told at the time a new card was going to be issued upon your suggestion to cancel my present card to receive a new one? And I was also told when the block was applied to my account that any type of transaction concerning XXXX XXXX had to have my permission for any type of transactions to go through.But I do believe that this issue might have systematic on their part then if not why the color of my skin are because Im a male if? If not then what is it to cost so much harm to me and my family 1. **Historic Unauthorized Charges** : On XXXX XXXX XXXX a block was placed on my account due to unauthorized charges. This issue has recurred, and I am seeking clarification and resolution regarding the bank 's handling of these situations. 

2. **Communication Concerns** : I have been informed that unauthorized charges were my responsibility, yet I believe there was a failure in the banks system of monitoring and blocking unauthorized access. Giving XXXX XXXX once again into the breach into my privacy and my Checking Account and to a full advantage of my unblocked and unprotected account from XXXXXXXX XXXX which has caused a great deal of distress XXXX and has put me and family XXXX for lost wages unpaid bills which causes a imbalance, not only towards my account and the equipment that i was able to purchase at the time which is now lost for me to start a XXXX channel which wouldve brought more revenue into me and my family lives which now the equipments is going to cost me more because the block being somehow lifted of my account 3. **Request for Detailed Investigation** : I request a thorough investigation into the circumstances surrounding these transactions, particularly regarding the bank 's policies on account security and the lifting of any blocks.

4. **Supporting Documentation** : I have pertinent evidence concerning these transactions, and I am willing to provide this upon request. 

Thank you for your attention to this matter. I hope for prompt assistance. 

Sincerely, XXXX XXXX XXXX [
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

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: Credit reporting or other personal consumer reports

I am writing to file a severe complaint against Experian for the unlawful and incorrect reporting of a child support debt on my credit report. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ).

According to the FCRA, the reporting of a child support obligation must meet strict criteria : 1. **Establishment of Parentage** : As per 15 U.S.C. 1681s-2 ( b ) ( B ), the parentage of the consumer for the child to which the obligation relates must be established or acknowledged by the consumer in accordance with state laws under which the obligation arises. Experian has failed to verify that such parentage has been legally established or acknowledged according to state law. This failure results in the unlawful reporting of a debt that lacks legal substantiation.

2. **Confidentiality and Proper Use** : Under 15 U.S.C. 1681s-2 ( b ) ( C ), any consumer report involving child support obligations must be kept confidential, used solely for a specific purpose described in the statute, and not used in any other civil, administrative, or criminal proceeding, or for any other purpose. The incorrect information regarding this alleged child support debt has been inappropriately used and disclosed, violating my rights under the FCRA. 

The failure to comply with these statutory requirements has caused significant emotional and financial harm, including : - Severe emotional distress, XXXX and stress. 
- Unjust damage to my credit score, leading to higher interest rates and denial of credit applications. 
- Financial hardship directly resulting from Experian 's negligent and unlawful practices. 

To rectify this situation, I demand the following actions be taken immediately : - The complete and permanent removal of the incorrect child support debt from my credit report. 
- Written confirmation of the removal within 15 days of receipt of this letter. 
- Compensation for the damages incurred as a result of this erroneous reporting, including credit denials, increased interest rates, and emotional distress. 

Failure to comply with these demands within the specified timeframe will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider seeking legal redress for the damages caused by Experians violations of federal law. 

This letter serves as formal notice of your legal violations and my intent to pursue all available legal remedies. I look forward to your prompt response and resolution.
Product: Money transfer, virtual currency, or money service

I hope you are well. I am writing to request a review of the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this action may have been taken by mistake, as I have not breached any of XXXX XXXX  policies or engaged in unauthorized activities. 

Maintaining a reliable and positive relationship with PayPal is very important to me. I have been a loyal user and am dedicated to resolving any issues or concerns that may have led to this situation. 

I kindly ask for a thorough review of my account 's status and the circumstances that led to the limitation. I am confident that a detailed examination will reveal any errors or misunderstandings. I am ready to provide any documentation or additional information needed to support my appeal. Restoring my account would help alleviate my current financial difficulties and allow me to continue using PayPal for secure transactions. 

Thank you for considering my request. I look forward to your prompt response and hope for a favorable resolution. Please let me know if you need any further information or documentation from my side.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to inform Experian, XXXX, and XXXX Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : EXPERIAN : XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXount XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, theEQUIFAX, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX
Product: Debt collection

Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following fraudulent inquiries on my credit report XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting

Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems
Product: Student loan

Due to the lack of responsibility and irresponsiveness of a Citibank 's staff, my student loan with Citibank missed the collection time limitation and the loan become " discharge ''. I lost track of my loan in XX/XX/XXXX when Citibank told me that my loan was transferred to another company. I have been chasing where my loan is since then. I finally got in touch with a lady of Citibank in late XX/XX/XXXX and knew that my loan was still with Citibank. Then I have been following up with her. I asked for the latest amount to write on the check since I have lost track of my loan for a long time and I don't know the amount on the latest statement. I have been sending emails with her since late XX/XX/XXXX and asking for the amount for many times and expressed many times that I want to make the payment as soon as I know the amount. Without telling me the amount to write on the check, she didnt tell me there is a collection time limitation either, which leads to the discharge of my loan. Now I got a XXXX with the principal amount and I have to file the tax soon. And I will have a bad credit record. I dont think I deserve such a result after chasing my loan with Citibank for such a long time. I have the email evidence to show all the efforts I made in the past several years to chase where my loan is and to ask for the amount in order to repay the loan as soon as possible. What I want is that the bank gives me a channel to repay all the principal and interests and the bank issue an updated XXXX form to me and to IRS. Thanks!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting the account listed as XXXX the account number is XXXX. T

here are several inconsistencies from each credit bureaus. Since the information is inconsistent that means the information has not been properly verified as accurate. Account Status : Closed Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$0.00} Past Due : {$0.00} {$14000.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX & 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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX & XXXX  XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack any information on them, and the company initiated them without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

XXXX. XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. XXXX XXXX XXXX, XXXX, XXXX ) XXXX. XXXX ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed a payment debited from my checking account for the full Balance owed on my credit card XXXX. I spoke to them explaining how complicated their website is to make payments and that wasn't my intentions. I spoke to a supervisor and they said in 10 days they would credit my account back XXXX dollars and place the balance back on my card. I asked if I needed to call back to do this and they said no they made a note of it and it would be taken care of. By XX/XX/XXXX this did not happen I called back and they had no record of this arrangement.