23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2022 I was victim of an internet fraud and did not authorize withdrawals from my checking account at Ally Bank for {$490.00}, {$250.00}, {$250.00}, {$740.00}. I notified the bank before the transactions were posted that they were fraudulent and sent many letters requesting they investigate the fraud giving them very detailed descriptions. The bank has continued to not investigate and has used excuses like my not submitting a reply letter on time to close the investigation. I have given the bank 6 months to investigate and to this date they have not. The entire case is outlined in detail in the attached documents including dates, times, ect. Please refer to these attachments for further detailed information. 

This fraud also involved XXXX and XXXX has resolved it in my favor and not pursued getting money from me that was part of the fraud. Informational letters to XXXX regarding the XXXX part of this fraud is also included in attached documents. 

This fraud has been reported to the FBI and the IC3 FBI form is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX orders while this company closed my account without my permission as of XX/XX/2020. 

I was simply trying to set up XXXX benefits, and let the company know I was having issues with their autopay system before I went on XXXX. 

To my dismay the company closed my account without my permission even though I had 100 % on time payment history with this company.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Debt collection

ASSET ACCEPTANCE , LLC & MCM FINALLY SETTLED COMPLIANT, BUT FAILED TO ADD MONETARY GAIN. I HAVE ADDED XXXX XXXX TO COMPLIANT ALONG WITH TCPA! SEE ATTACHED ) PHONE RECORDS ... .THET ARE VIOLATORS OF SEVERAL NEW CHARGES, PLEAE REVIEW!
Product: Credit card

I lost my wallet which included my credit card. Someone charged {$300.00} on the card, and I filed a dispute with Bank of America. They denied the dispute a few days later stating I used my pin for the card and signed for the purchase, which makes me liable. First off, my credit card has no pin so that's already false, secondly when I asked for copies of my signature that they claimed was used, they refused to provide it. I did not make this charge and they are making up false information against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Elan Financial Services ( credit card ) account was charged off years ago before I understood credit. I contacted Elan Financial recently and created new payment arrangements I think back in XX/XX/2019. I have not been late on any payments since then. Despite my on time payments from XX/XX/XXXX to present, the credit bureaus continue to report the payments as late.
Product: Credit reporting or other personal consumer reports

Multiple times I spoke with my bank at the time which was Huntington because I continuesly had my account fluctuating without any acknowledgement. Multiple times my account was being used and not by me! I brought it up Multiple times even spoke with the employees at Huntington and ordered a couple new cards. It did not stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I missed appointment at laser a way now they claim I owe them XXXX I have been paying XXXX and Lexington law firm for 2 years and still this information is on my credit report. I want this account off my credit report, I have no documentation but I called numerous time to tell them I cancelled the appointment there was no payment used so I should not have to pay for services I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXX THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Product: Credit card or prepaid card

I just applied for a XXXX capital one, Im always very careful to read all the conditions. With this card I took the same precautions especially with the annual charge. They are charging me at the beginning of the year when clearly in the terms and conditions it says that it is an annual charge. This is misleading and disrespectful to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 05/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. handle this XXXX asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XXXX XXXX disputing the items on my credit. However, they have not been complying with my dispute request. It's been 30 days and I haven't heard back from them so I sent them a Demand to Comply on XXXX XXXX that told them my initial dispute.
Product: Debt collection

On XX/XX/2018, I received a debt collection notice from XXXX XXXX, ( XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, MO, XXXX ), on behalf of XXXX XXXX XXXX XXXX XXXX. Within 30 days, I sent them a certified letter stating that I dispute the alleged debt and requested that 1 ) they communicate with Novant in order to verify that this situation had been resolved. 2 ) to stop communicating with me in any way until they had contacted their client and verified that my dispute was legitimate. In the meantime, they have violated federal law by sending me another letter, ( dated XXXX-XXXX-2018 ), requesting that I contact them, stating that they " need additional information from me '' and wish to " discuss the account ''. It seems to me that they need to communicate with their client and verify their information and that they do not need to communicate with me until doing so. I am filing a complaint because I believe that XXXX has violated the Fair Credit Reporting Act by communicating with me before it has even verified the alleged debt they say I owe.
Product: Vehicle loan or lease

Hello, I believe my personal information has been used without my consent by a car salesman at XXXX XXXX. the salesman misrepresented my income to secure financing for a vehicle, which i could not afford, as a result, the vehicle was repossessed and subsequently sold off to a new company ( Plaza Services ). this use of my name address and income details to enter into a contract constitutes identity theft. I am concerned about the potential implications of this situation on my credit and personal finances i request your assistance in investigating this matter and protecting my rights. I also reported with identitytheft.gov so Im eager to get this figured out. please let me know if you need any additional information or documentation from my side to facilitate your investigation. Thank you for your attention to this issue. i look forward to your response.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a payday loan in the amount of {$1700.00} on XX/XX/2023 for a down payment on a used car. 

The APR cost of the credit as a yearly rate is $ 325.001 % ; Finance Charge is {$3900.00} Amount Financed is {$1700.00} Total of Payments is {$5600.00} Monthly Payment is {$470.00} They debited my account XXXX XXXX XXXXXXXX and their reason was I authorized the payment to be paid early if the payment date falls on the XXXX of the month and is a holiday, which I did not agree to. I can barely pay the regular payment once a month and would not agree to XXXX payments in the same month totaling {$940.00}. I managed to contact my financial institution and put a stop on the payment they tried to deduct on XX/XX/XXXX. 

I logged onto the Lendumo website today and see a message in red stating they do not lend in the state of Maryland. There was no reason why? I was then confused as to why they approved me for a loan. 

I then started researching if they were legally allowed to do payday loans in Maryland and see that Maryland prohibits any type of payday loans. 

Thank you for your time and consideration, regarding this matter. 

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

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

XXXX XXXX XXXX XXXX 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 
XXXXXXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

Zelle payment was sent to me and did not allow sender to verify my information. Called Zelle and was told that we would not get our money back.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I applied for a car refinance I noticed multiple credit Inquiries on my XXXX   report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires. 

1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
Identify item ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Student loan

I keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the account related to XXXX XXXX XXXX This account is directly related to identity theft. The debt collector XXXX XXXX XXXX purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX experian consumer report. The original creditor XXXX XXXX XXXX XXXX  is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX XXXX report back in XX/XX/year> by experian. The debt collector XXXX XXXX XXXX purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault XXXX XXXX XXXX purchased a fraudulent debt XXXX XXXX XXXX  shouldve done their due dilligence before purchasing the fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.