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

On XX/XX/year> One Main Financial attempted to withdraw my payment from an unauthorized bank account. The bank rejected the attempt for insufficient funds and charged me a {$35.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX + XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I've received approx. 12 calls from this company in one day. 
After I spoke with 2 people today, Friday XX/XX/23 and requested the mailing address so that I can send a validation of debt, my request was denied. I also asked the name of the creditor or merchant of this said debt ( NOT the bank the supposed credit card was issued by ) and that information was not provided either. I have never received any notification from this company via mail, either.
Product: Mortgage

Since the last complaint I filed, they have still done nothing and why do they get off so easy by just replying and closing out the complaint? 

I would just like to know why? 

Looking at this log of messages sent, you can see that we have been requesting the CARES act forbearance since XX/XX/2020. Numerous calls and letters, so many times being told to call back, it's in progress, you don't know or many other excuses. 

Over a month ago we were directed to upload documents which we did. The current status is " awaiting decision '' for over a month. And yet they can easily generate a letter to us in the mail regarding our late payment. 

So the question then is why? and when? and how is this even considered acceptable?
Product: Credit card

The company lowered my limit after i paid on my balance causing my utilization to go up with no reason for lowering my limit
Product: Credit card

I received a capital one card in the mail on XX/XX/XXXX I never requested nor do I even have an account with them after they made an inquiry on my experian account on XX/XX/XXXX. I never requested this inquiry either so they opened a credit card without my consent and brought my credit score down.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On approximately XXXX, i bought a XXXX  XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. 
Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX ( XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name LOAN BY PHONE DBA XXXX XXXX XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

IM A VICTIM OF IDENTITY THEFT I am writing in response to your LETTER I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt.

( 2 ) the name of the creditor to whom the debt is owed.

( 3 ) Provide a verification or copy of any judgment ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) proof with signature As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }.

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

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

I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....
Product: Student loan

I have submitted the Loan Rehabilitation : Income and Expense Information Document to Credit Adjustments , Inc. 5 TIMES via fax beginning XX/XX/2018. Each time I submit there was an excuse on their end to may paperwork ( didnt receive it, wrong document, spouse info should be on there, spouse info shouldnt be on there, the fax came through too faint ). Failed correspondence is why I am in default and now on the verge of garnishment Credit Adjustments , Inc. are playing games with my paperwork!!!!!! I have dealt with at least 5 different representatives including XXXX, XXXX and some guy named XXXX, I believe. 

I had no issues getting my rehab setup on my XXXX XXXX XXXX debt and that bill is for more than the Department of Education debt Credit Adjustments , Inc. is servicing! Why is that??? I believe Credit Adjustments, Inc. is trying to sabotage me and get my pay check garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted numerous request via mail and through online portal regarding a collection account from XXXX XXXX XXXX XXXX, it shows no balance on the account and that the account is closed. When contacting the agency they state there is no record of this account. This account does not belong to me and needs to be removed, it does not show on any other report but with equifax. They never respond to my disputes which the last one was sent on XX/XX/18 & XX/XX/18 which a response was never received. Also included on that dispute was XXXX XXXX XXXX, and XXXX XXXX which they refuse to acknowledge my disputes. I have attached the dispute sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are all reporting delinquencies with my XXXXXXXX XXXX  loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from XXXX, XXXX and Equifax more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that XXXX and Equifax have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting XXXX, Equifax and XXXX to remove all the delinquencies with each XXXX loan and send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Experian and XXXX about the fraudulent XXXX XXXX Account number XXXX. This account does not belong to me and I had nothing to do with it
Product: Credit reporting or other personal consumer reports

Hello and good day, you are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your negligence.
Product: Credit reporting or other personal consumer reports

Equifax has been stalling my dispute asking me to provide identification documents when i clearly attached those from my previous dispute. This is against my right to fair credit report! Equifax should delete the bankruptcy in my report. They are not legally bound to report such! 

XXXX XXXXXX/XX/XXXX CA XXXX XXXX - Ref No.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.
Product: Credit reporting 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 that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the bank XXXX XXXX XXXX XXXX XXXX in XXXX NC. i owed them a balance of {$350.00} through the company called IC systems. i paid IC systems the money owed to XXXX XXXX XXXX XXXX. the money was paid through my bank, XXXX XXXX XXXX XXXX using my debit card on XX/XX/2021. here is proof that the account has been paid in full : XX/XX/2021 XXXX Debit - Visa Check Card XXXX - XXXXIC SYSTEM XXXX XXXX MN XXXX - {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in letter to remove inaccurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on Loan Depot site to get pre-approved for a loan. The website and the boxes I selected said that it will not impact your credit score and that it is only a soft pull. However, my credit was pulled and Loan Depot will not delete the inquiry. I have screenshots of every step taking as I completed the application and have provided that to loan depot. They still will not reverse it. Also, they will not send any proof to me showing that I selected anything otherwise as the website states multiple times that it is only a soft pull. I do have evidence to prove my case.
Product: Debt collection

Breaking the law reporting collections on my account and having no proof I owe the debit.
Product: Checking or savings account

In XX/XX/2024 I had an available balance of {$170.00}. With a couple pending transactions posted. Went to get something for {$7.00} and the next day I had - {$65.00} in my account leading to an overdraft fee of {$20.00}. This has happened multiple times over the past 11 years of having my account. Available balance should be accurate as it does calculate the pending charges, but that has not been my experience.