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

I have had a open line of credit with Advance Financial 247 Online for  over a year. At the onset of the COVID situation I called to make payment arrangements or to see if they could offer any type of assistance, as I was not able to make my regular {$440.00} bi-weekly payment. The customer service representative was very kind and set up my payment arrangements for {$200.00} and this went on for about 6 weeks. I missed one arrangement due to being at ER, by one day and ever since then they have been taking unauthorized payments out of my account citing that it was due to the broken arrangement. It has now been over six weeks since that broken arrangement ; I have been in constant contact with the lender to confirm my " arrangements '' and each time they have taken payments in advance of the date that I promised to pay and additional payments within 2-4 days after citing that it was due to no arrangements being set. 

Example : I set an arrangement for payment of {$200.00} for XX/XX/XXXX. The lender initiated payment on XX/XX/XXXX for XXXX and another payment of {$370.00} on XX/XX/XXXX. 

They have done this 3 times ( approximately every 2weeks ). The very first time caught me off guard. When I called to dispute it, I was told that it happened because after they took my scheduled payment ( days  before it was scheduled ) that there was no arrangement in place, so they took the regular payment. I wasn't happy with the resolution, but let it go and set up a new payment arrangement. They did the exact same thing with the subsequent events, each time I called 3-4 day prior to confirm that there was record of my arrangement, clearly to no avail. 

As of XX/XX/XXXX, I have verbally revoked their ability access funds in all of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts are being reported to my credit reports : 1- XXXX XXXX  XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
2- XXXX - Acct # XXXX -Amount {$540.00}. 
3- XXXX XXXXXXXX XXXX XXXXAcct # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated accounts.
Product: Checking or savings account

Contacted Discover Bank to report I lost my wallet with my debit card and identification inside. The bank kept asking me for my ID or passport which I didn't have either. Spoke to XXXX in the security dept to verify my identity. She suggested I do a wire transfer to an external bank because the XXXX  feature kept locking me out of my checking acct. I spoke to the wire transfer dept. after XXXX assured me no further Identification will be necessary we get to the end of the wire transfer process the rep XXXX tells me my ID may be necessary to complete the process. I told her why didn't security employees know about issue of an being necessary to complete the process.By this time I on the phone for over a hour XX/XX/XXXX starting around XXXX. I get a notification saying " Your All Set '' I get a confirmation number confirming the wire transfer was successful. XXXX in the wire transfer dept tells me she sorry but it didn't go through and I going to need either a State ID or passport to access my money. The bank puts a lock on my account.The new Debit card is scheduled.to be mailed to me on XX/XX/XXXX. I have no food to eat I am also XXXX and received a direct deposit from my employer on XX/XX/XXXX. I'm left with no money no food I explained my medical condition XXXX need food as well as my medication refilled They became more nasty to me each time I called back. Thanks, XXXX.
Product: Debt collection

CFPB Complaint against LNB Funding / Resurgence XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La. XXXX Email : ( XXXX ) Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Debt Collection Practices by LNB Funding / Resurgence Dear CFPB, This letter is to formally file a complain against LNB Funding / Resurgence ( the " Debt Collector '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 
I dispute owing any and all debts that the Debt Collector is attempting to collect from me. I have never received any goods or services from LNB Funding / Resurgence, and I am unaware of any agreement to repay the.

Furthermore, the Debt Collector is engaging in unfair and deceptive debt collection practices : Failure to Validate Debt : I have not received a debt validation notice as required by 15 U.S.C. 1692g ( a ) ( 1 ). I request the Debt Collector to provide written validation of the alleged debt, including the original creditor, amount of the debt, and dates of service.

Lack of Communication Preferences : I revoke all consent for the Debt Collector to communicate with me via email or text message. Please restrict communication to written correspondence sent via US mail to the address listed above.

Proof of Licensure and Bonding : I request documentation proving the Debt Collector is licensed and bonded to collect debts in my state.

Improper Debt Notification : I have no recollection of receiving any prior notification regarding this debt. If the Debt Collector believes I was notified, I request a copy of the notification with a certified receipt showing my signature for proof of delivery.

Please note that pursuant to 12 CFR 1006.34 ( b ) ( 5 ), the Debt Collector has 15 days to respond to this letter. Their silence on this matter will be considered acquiescence to my claims.

I am prepared to take further legal action if the Debt Collector does not cease harassing communications and validate the alleged debt according to the FDCPA. 
Thank you for your time and attention to this matter. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Experian is not placing the correct information on my credit profile/report with them. My credit report has not been updated since XX/XX/XXXX per their website Also, the credit score still shows XXXX. That is incorrect. My scores from XXXX and XXXX are both over XXXX. 

Moreover, the website states that they are open on Sundays. I called on XX/XX/XXXX and the automated system says they are closed. There is almost never anyone available to speak with by phone. 

When I have spoken with someone, I addressed all these concerns and information remains in correct. I received a report via the mail and the information is out dated and the score is incorrect.
Product: Debt collection

A debt collector PlusFour, Inc. sent me a collection letter for a medical debt dating approximately back in XX/XX/2019. I responded by writing a letter to them and copy furnished our insurance company at the time for abatement of charges due to the fact that, at the time of my doctor 's visit, I was not aware that the medical facility was no longer in network. When I called the insurance company, I was informed that the charges are my co-pay and that these charges should be paid. I argued that if I had known that the doctors and facility are no longer in network, I would not have gone to the doctor and would not have incurred these charges. 

Without notifying me, the debt collector sent the amount owed of {$370.00} plus collection charges of {$200.00} for a total of {$570.00} to the credit bureaus. Prior to this, I requested my debt management company, XXXX. XXXX to call them on my behalf so that I can add this amount to my debt management and pay if off even tho I am disputing it. XXXX informed me that they will not talk to them and that I should call. I did call and the lady that answered me was rude and uncooperative. 

My husband also received a collection letter in the amount of {$270.00} plus collection charges of {$140.00} for a total of {$420.00}. 

I am trying to payoff all our debts in the hope that our credit score and debt to income ratio will improve over time so that I am able to refinance our house in the future. I would like to ask for your agency 's help on how to resolve this problem. I can't afford additional debts and I can't afford to have a derogatory remark on my credit report. 

I am willing to pay these debts with an amount that's manageable right now and for the collection agency to remove the derogatory remark on my credit report. But, like I said, I am also trying to dispute this debt because we would not have gone to see the doctor if we were notified that they are no longer in network. 

I have documents that I can provide should you need them. 

Thank you very much for your anticipated help with this matter. 

Sincerely, XXXX XXXX
Product: Credit card

This account was closed on XXXX/XXXX/2010 with a XXXX balance and still showing on my credit report with XXXX.
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 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) A Creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I took out a HELOC in XXXX with XXXX XXXX XXXXXXXX and filled for XXXX XXXX and was discharged XXXX. I have not heard a word from XXXX XXXX XXXXXXXX. XX/XX/XXXX I find out the house house is being foreclosed. I spoke with XXXX XXXX doing the Foreclosure. They informed me that the Company filing the foreclosure is SLS. I contacted them and the informed me they bought the loan in XXXX. They also told me they were mailing to my old address back in XXXX. I asked them why they did not also mail to the property address. They could not answer I need to stop the Foreclosure for XX/XX/XXXX. I was never notified by XXXX XXXX XXXXXXXX that they sold the loan. 
There is a First on the Property of almost {$600000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on XX/XX/XXXX from XXXX  that there was an update to an credit card account on Equifax. The comment on the account read, " Collection account. Affected by natural disaster. Variable/Adjustable rate ''. I immediately called the credit card company and they assured me that there is nothing on my account that would warrant that comment. Also, that they did not send any comments of that nature to the credit bureau. For the past week and a half, I have been contacting Equifax. Every time, I am told that the system is down or experiencing a system update. That I have to call back in an hour, two hours, or the next day. On XX/XX/XXXX, I spoke to a representative and she informed me that as soon as she was about to submit the dispute that the system went down and call back in 30 minutes. Today I spoke to an representative at XXXX XXXX PCT and was told that I had to call back in two hours because the system is experiencing an update. This comment is negatively affecting my credit as it stating that my account is with a collections company. Of course, there are no collections on my report but it seems as if the credit card has been sent to one. This account has never been late nor placed in any type of program for any natural disaster or anything of that nature. Also, you can not submit a dispute online because when you get to the end and are ready to submit, the system is " experiencing an error '' and it can not be processed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my TransUnion credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my TransUnion credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately.

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

I have 32 open and closed accounts reporting on my credit reports XXXX and XXXX. I have established credit for more than 3 years and Equifax is not reporting a score or a report on my behalf. I demand that they investigate this error and correct it by reporting a score and a report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment for XX/XX/year> was made on time, which falls within Capital Ones XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX XXXX 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have had a few debit card disputes with this company and every time they deny my dispute, even if I supply them with sufficient amount of evidence that I should get my funds back. 

My disputes are as follows and attached is the evidence that I sent in with my dispute. 

1. Dusputed on XX/XX/XXXX {$75.00} XXXX XXXXXXXX XXXX ; disputed because the item that I received stop working, which was a XXXX XXXX 2. Disputed on XX/XX/XXXX {$27.00} XXXX XXXX ; disputed because the food that I received was not good quality. Some stuff was overcooked some stuff was undercooked some food items were steal 3. Disputed on XX/XX/XXXX XXXX ; {$23.00} disputed because of the XXXX XXXX that I ordered did not work with my blender. It was not compatible. 
4. Dispute on XX/XX/XXXX XXXX XXXX XXXX ; {$12.00} disputed because I ended up returning the item back and never received my refund 5. Disputed on XX/XX/XXXX XXXX XXXX  ; {$150.00} disputed because after I took my car there, my car started leaking oil, as well as running hot due to them, putting the wrong coolant in my car 6. Disputed on XX/XX/XXXX XXXX XXXX ( XXXX payments ) total {$230.00} ; disputed because the service that I receive was not complete. I did a service to fix the screen on my XXXX. They installed a XXXX product on my phone so it does not work properly. There are times when I tried to click something on my XXXX and Im not able to actually click it. I have a few issues. The battery isnt as well as it was when I dropped it off as well as I cant really use the brightness on my screen properly due to the XXXX XXXX being installed as well as XXXX isnt working as well, which was not an issue prior to reached out to servicer and they did not respond reason why did dispute. 

I asked for what evidence that they use to come up with their decision and all they sent me is that the transactions were authorized. My dispute was never because the transactions werent authorized. I authorize all transactions. The issue is I was never satisfied with the service or item that I received from that transaction which I stated in my dispute. 

And this will be my last time trying to resolve such issue. All I am is requesting that they give me my money back as I am rightfully owed. Or Ill have no other options but to sue.
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with CitiBank , N.A . from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. 

According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. 

The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. 
Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as CitiBank, N.A., must not report information that they know or have reasonable cause to believe is inaccurate. 
Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. 
Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.