23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is violating1692c i have not given written permission to report XXXX XXXX, XXXX XXXX, XXXX  XXXX  or XXXX XXXX  accounts on my report. They are also inaccurate violating 15 usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not thoroughly investigate my dispute even after I provide them with incontrovertible evidence that the.fact and Information Im on my credit report was fast and misrepresented
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter the eighth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX XXXX  XXXX , XXXX XXXX, XXXX XXXX,
Product: Checking or savings account

My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended. 
There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements. 
There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored. 
I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.
Product: Credit card

Trying not to use so much credit, No. 1, plus we moved too far away from any mall here in XXXX, Macy 's credit closed my card without any warning. It was my oldest card ( got it when they were XXXX in XXXX at XXXX ), so my credit score went down quite a bit. They would not reinstate it, and said it 's written in their policies! Yeah, who reads that XXXX? This is not so much a personal problem as I still have excellent credit, but this should not be allowed. These credit card companies/banks, continue to XXXX the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year, I 've sent written disputes to Equifax asking them to remove  XXXX  inaccurate  XXXX   XXXX  on my credit report but to this date, no actions have been taken to address my concerns.     These  XXXX  " medical '' collections are only showing up on my Equifax credit file.  XXXX  and Transunion have never had this information on my records. I am attaching a section of a recent report that shows this information along with this complaint.for the CFPB to review.     The first account has an account number of "  XXXX  '' with a past due balance of {$55.00}.     The second account has an account number of "  XXXX  '' with a past due balance of {$100.00}.     I do n't understand how this is possible. It 's very suspicious that there is no name to identity these accounts and they are supposedly medical related. It is also suspicious that ONLY Equifax is reporting them to my credit.     I have called the phone number provided in Equifax 's dispute letters but I always get an answering machine and am kept on hold for a long time. The last time I called, I held for over an hour before I decided to hang up.     I have also personally requested verification of these debts in writing but to this date, no supporting documentation has been provided. If this is the case, how can Equifax continue to report negative information on my credit that can not be verified?     Equifax is reporting someone else 's accounts on my credit and I am having to pay the price for debts that I never even created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a prior complaint with Experian. ( # XXXX XXXX Experian responded with : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have previously contacted Experian directly to request a reinvestigation regarding the disputed information. Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. 

Experian then closed the dispute with no additional information from the debt collection company validating the debt. The company in question ( XXXX  ) still has not provided initial validation of the debt and has not followed the fiat credit reporting act requirements as outlined on CFPBs website. 


As outlined on the website A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. 
Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt * That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 
If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. 

Experian continues to ignore the requirements and allows a vague response from the company. The company still has not provided any validation of the debt and Experian is allowing the company to hold me hostage as a consumer by not protecting consumers against unfair reporting actions. 

I ask for CFPB to please not allow Experian to continue to run me as a consumer through an administrative process with no true intent to resolve the issue. Once again, this debt is not valid and should be removed from my credit report immediately.
Product: Checking or savings account

Well I had a company trying to charge my account with a subscription that had been canceled they tried with XXXX different fictitious names for their company and each one of them had I had the money in my account would have been debited to them I told cash app every time they did it I wanted them blocked they had no right to take my money I tried to stop put a stop payment on it several times to no avail finally they got the money out of my account I disputed it I'm on the XXXX day without a word from them I've had to contact them every day trying to get my money back trying to get the temporary provisional credit and nothing I can't even get anybody tell me the same straight story I can keep getting told their specialty team is escalating it I was told by XXXX person I didn't even have a dispute phone I was just told yesterday that it would be taken care of yesterday evening or this morning so I've been on here with them all day and I can't get anybody to just ignore me now I showed them in their own terms and conditions what it said that they have XXXX days after the XXXX days they have to either tonight or give me a provisional credit I'm on the XXXX day and everyone acts like it's no big deal I don't know what to do I keep getting lied to for some generic answers given to me over and over and over I called the company to try to get my money back they told me they would refund it to me I've never seen it that's why I disputed after that I disputed it I then called back the week after right before I did dispute it and they were reward center now they're not even the same company but it's the same employees working there saying it's not them and I know because I spoke with XXXX of them on the phone they're scam XXXX and that's all they're doing I don't understand how that's a hard investigation to pull off when I tried to stop payment on it to begin with that's where it should have been to that and I told them that it's all in the transcripts all in the transcripts of me chatting with support everyday for XXXX months now almost
Product: Prepaid card

I received two American Express gift cards as gifts and they will not work at multiple online merchants each merchant with a different reason for it and American Expresss answer is that they did not receive all of the information from the Mechant. I have confirmed with both merchants, I tried to use that the card information was received, and it was declined immediately by American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I purchased a vehicle through Ally Financial, this was a Saturday. The following week, I contacted my credit union, XXXX XXXX XXXX XXXX, and refinanced the auto loan. I refinanced this loan well before the first payment was due. I have had several accounts and loans with this credit union and I have never had any issues and continue to use them for almost all of my loans today. Sometime that XX/XX/XXXX or that XX/XX/XXXX I was made aware that, somehow, the original check sent to Ally was a little short. I contacted XXXX and they promptly took care of the issue. Upon pulling my credit report, I realized that somehow Ally had shown delinquent payments of 30 and 60 days in XX/XX/XXXX and XX/XX/XXXX, well after the refinance was completed. I have contacted Ally and disputed multiple times but was told XXXX never contacted them for the full payoff amount. I have even asked how would my credit union have come up with the payoff amount without contacting Ally but they just say they have no record, XXXX just magically came up with a random payoff and sent them a check, I guess. I have attached several documents to support all of this and I now see that my credit report shows Ally to report the loan was paid in full XX/XX/XXXX but yet I still show late payments for XX/XX/XXXX and XX/XX/XXXX of the same year. I have explained on multiple occasions that this must have been an accounting error or something and XXXX has even sent a letter to Ally explaining the mistake and accepting full blame but Ally refuses to remove the two negative marks from my credit report. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes asking to verify my identity and verify the fraudulent account on my report, however EXPERIAN, XXXX, and XXXX is stalling by asking me for the same documentation that has already been provided. It is my right to be able to dispute when I want especially when there are unverified and inaccurate accounts being reported to my consumer profile. Please accept my documents as evidence for my disputes along with proof that I am who I say I am. Thank you for handling this matter swiftly.
Product: Credit card

Made payment to GE/XXXX/Synchrony Bank ahead of due date.  Due date was XX/XX/XXXX for $XXXX. Paid online $XXXX on XX/XX/XXXX. Received an email stating no payment received (XX/XX/XXXX.) Verified immediately with payment confirmation (XX/XX/XXXX), my bank (XX/XX/XXXX) and account online. Payment was received and processed.  I called Synchrony Bank (XX/XX/XXXX @ XXXX est.) Spoke with representative that could not help, except to remove late fee. Asked XXXX for manager. Spoke with Account Manager, XXXX (ID #:XXXX on XX/XX/XXXX @ XXXX est.) She said the account would be credited the late fee bringing it from past due amount of $XXXX down to $XXXX.  I stated, "How is that possible?" I only owe $XXXX for XX/XX/XXXX. She said I had to pay the late fee of $XXXX. It was in the XX/XX/XXXX Credit Card Laws. I stated, "You are penalizing a customer that pays ahead of time $XXXX." She said, "You have to pay it because you didn't wait for us to issue a statement." I replied, "How can you justify that? If you can, I'll pay it but you can't!" She said, "She has to do it with her credit cards so it's just the laws." I said, "Okay, I'll contact the Consumer Agency and see if that is correct because this is wrong."  We disconnected the call and I contacted FCPB. I spoke with XXXX (ID#XXXX.) She looked up the laws and could not find in the XX/XX/XXXX laws what XXXX was talking about. She offered to take my complaint but I chose online so I could attach the documents. Upon further research, I see that statements are generated on the XXXX. Payment was made on XXXX and received by them on the XXXX. Still, it is not right that I pay a penalty for paying the day they issue statements and they get their money the next day. Payment site also states: Please make payment by XXXX It does not stop you from paying before they issue a statement. This is not right!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that XXXX was sued by the CFPB? 

Below I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 


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

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 

I sent Experian, XXXX and XXXX a FTC report with all of my documentation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 692 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent email requests and appeals to my FHA loan servicer, Mr. CooperXXXX Mortgage XXXX for FHA loss mitigation loan modification programs, specifically, the COVID-19 Advance Loan Modification ( ALM ). HUD counselors has specifically noted this program as the " next-step '' loss mitigation option for my FHA file . HUD directed me to contact Mr. Cooper and request that I be reviewed for the COVID-19 ALM program in which Mr. Cooper has repeatedly ignored and instead, offered a loan modification that increases my interest rate from 3.37 % to 4.76 %. The COVID-19 ALM allows for a minimum of 25 % reduction in both principal and interest payments. In response, HUD counselors have insisted that the ALM loss mitigation program remains available to FHA-insured borrowers until XX/XX/XXXX of XXXX. HUD sent documents including sections from the updated FHA/HUD handbook that specifically instruct loan servicers with steps when processing borrowers for loss mitigation programs. In the meantime, I've further become delinquent in mortgage payments because of Mr. Cooper 's inability to cooperate and review my file to extend the COVID-19 ALM program, which I am qualified for. HUD because of the complaint : Loan # XXXX, FHA case have filed a case number : # XXXXXXXX XXXX XXXXXXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.CREDCO XX/XX/2021 2. XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Experian for unlawfully re-reporting a previously deleted XXXX XX/XX/XXXXaccount on my credit report without following the proper reinsertion procedures outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the FCRA, if a previously deleted account is reinserted, the credit bureau must : Ensure the information meets reinsertion requirements ( Experian has not provided proof that these steps were followed ).

Notify me in writing within five business days of reinsertion ( I was not notified ).

Provide me with the name, address, and contact number of the furnisher of the information ( Experian failed to provide this ).

Since Experian has violated this law, I request immediate action to : Remove the XXXX XXXX account from my credit report due to its improper reinsertion. 
Hold Experian accountable for violating the reinsertion provisions of the FCRA and ensure they comply with reinsertion requirements moving forward. I request a prompt investigation and written confirmation once this issue is resolved. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. 

I would like to request that this unauthorized hard inquiry in my XXXX report by XXXX and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. 

Copy of FTC complaint filed attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the collection agency requesting validation XX/XX/XXXX but no response. Then I contacted the bureaus on XX/XX/XXXX. XXXX and XXXX  NEVER validated but removed the account. ONLY Experian has NOT validated the account and/or responded. They just continue reporting it. This is a violation of FCRA. Your assistance would be greatly appreciated.
Product: Debt collection

" According to FCRA Section 605B it is illegal to report anthing on my credit report without Repost to followers my permissionXXXX remove this off my report