23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. 
i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ;  t understand why they didn't contact me or send me a letter informing so i can make the payment. 
they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. 
they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. 

i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we wired money ( {$21000.00} ) to JP Morgan Chase Bank to pay a subcontractor that did work on a project in XXXX XXXXXXXX. The next day we found out that the money was never received. Our subcontractor provided us their banking information through email and found out after the fact that the routing number was correct, but the account number was incorrect. Through the email there was fraud. The subcontractor immediately contacted us about the fraud and requested a reversal of funds, since it was sent to the wrong account number. We were informed that JP Morgan Chase didn't take the proper steps matching the wire transfer to XXXX XXXX XXXX XXXX information and JP Morgan Chase admitted they did not take the proper steps in matching the wire information ie. Name of company and address to proper account. My complaint is JP Morgan Chase was negligent and is responsible for the wire fraud. Chase is responsible for the request reversal, so we get our money back to pay the Subcontractor ( XXXX XXXX ) in full.
Product: Money transfer, virtual currency, or money service

I was recently scammed by a fraudster who running a website called XXXX and they scanned me for XXXX XXXXXXXX by having me send them crypto currency which cass app denied in refunding me
Product: Mortgage

My husband and I sold our home and were owed {$4900.00} by Lakeview Loan Servicing , LLC from the escrow refund. Someone else cashed this check into their account. 

On XX/XX/XXXX I received a call from a fake XXXX XXXX XXXXXXXX number ( XXXX ) asking me if I authorized someone not related to me to cash in a check. I said no and they said they were going to void the check as it was fraud. I asked who was trying to do this and they said they could not provide me information about that but that it was in cashed in California.

I called Lakeview immediately at XXXX XXXX to notify them that someone tried cashing in the check they sent me. Lakeview said they could send me another check, but that they could not do that until 30 days from the date the check was issued. It was issued on XX/XX/XXXX so I had to call back after XX/XX/XXXX. 

On XX/XX/XXXX I called Lakeview again and they said they were going to be mailing me another check. 

On XX/XX/XXXX I called to check the status of this as no check had arrived. They told me they did not send out a second check because the original one was cashed on XX/XX/XXXX. I told them this should not have happened as I alerted them on XX/XX/XXXX about the fraud. 

I have called Lakeview multiple times asking for my money. They said the check they sent me was endorsed and when I asked for a picture they sent me a picture with the endorsed part cut off. I let them know and after being placed on a long hold, they sent me a picture that with someone else 's name on the endorsed section. They give me conflicting stories each time I call and sent me some forms to mail to XXXX XXXX. XXXX XXXX has told me multiple times that they can't help because Lakeview is the one with the account, not me. Today when I called Lakeview they had another phone number attached to my account XXXX XXXX ). This number does not belong to me or my husband. I looked it up and the number seems to belong to someone in New York.

My husband and I would like for Lakeview to pay us the money we are owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax, XXXX, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX RE : Late Payment Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear TransUnion, Equifax & Experian, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date.

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXXXXXX XXXX XXXXXXXX Account # XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Debt collection

On XX/XX/XXXX, I was on process to selling my House and buy another one. 
Doing the process the loan company found out that I have a XXXXdollars in collection with Affirm. 
Since, I have been in dispute with the collection company called XXXX. On going they close the account because they can collect the money because is too old .The charge it was from someone that used my Identity to get the flighty tickets back XXXX. 
I contact the XXXX XXXX, the Agency that sold the ticket, they don't have any information because it's to old. The Affirm still found me responsible for the charge but they can provide me with the Validation of the charge specially any document I physically singed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Product: Credit reporting

Open account with CitiMortgage  XXXX   XXXX . Account went Delinquent in or around  XXXX  or  XXXX   XXXX , which was reported to all  XXXX  major Credit Bureau pe r CitiMortgage. CitiMortgage is not r eporting the correct information to all Credit Bureau, yet ; reporting it as  XXXX . I have calle d CitiMortgage and re quested they correct this wrong information &amp; send payment history from    XXXX   XXXX  -  XXXX   XXXX  .  It would not have taken me 2 years to be or become delinquent in payments. House was foreclose and sold  XXXX   XXXX . At the present, I am in the process of having a reinvestigation submitted on my behalf and waiting the outcome of the decision.
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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Submission of Documents Related to Identity Theft Case Dear [ FTC Contact/Department I am writing to submit necessary documents regarding my identity case. Enclosed with this letter, please find the following documents : 1. FTC Report detailing the identity theft incident 2. Affidavit affirming my identity theft claim 3.And other supporting documents, such as credit reports, etc. ] I appreciate your attention to this matter and am available to provide any further information or clarification you may require.

Thank you for your assistance. 

Sincerely, Stall letters attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX XXXX/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX CBNA Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 U.S.C 1681. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX & XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX XX/XX/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 Consumer reporting agency can not furnish a 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 conviction 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: Payday loan, title loan, or personal loan

I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. 
This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX  I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. 
Please let me know if you need anything else from me. 

XXXX XXXX XXXX
Product: Consumer Loan

I purchased a used XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX GA. The loan was financed through Capital One Auto in the amount of {$16000.00} and the finance charge was {$12.00}, XXXX which brought the total to be paid at {$29000.00}. XXXX at an interest rate of 20.75 %. I have been paying anywhere between {$400.00} and $ XXXX month since XXXX/XXXX/XXXX and to date the payoff amount is over {$15000.00}. The car, even at the time of purchase was valued way less than the total amount financed, but the dealer convinced me that it was the best deal available at the time. It was my very first time purchasing a car and I was in a really bad financial situation and needed the car in order to maintain my job. In addition, I was ignorant to most of the terms and language that was used during the deal. I am now convinced that I have been a victim of predatory lending. What can I do to get out of this loan?
Product: Prepaid card

Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.
Product: Debt collection

Please see and process our complaint against the above referenced collections agency and health insurance company operating within your jurisdiction. 

As per the attached, now our baby infant son XXXX XXXX has been referred to the XXXX XXXX XXXX XXXX XXXX collections agency, and this really XXXX me off. 

We could be patient before with delays/lacks of payments on already approved claims, while we dutifully pay approximately {$1300.00} per month without fail XXXX not easy ) but now these people are ruining our little baby 's life and credit. 

Please get them to pay this bill, as well as all of the other ones that were approved and in cue, so that no further collections letters are forthcoming, no one 's credit gets hurt/ruined, and to avoid a massive lawsuit from my law office against all of these individuals demanding actual and punitive damages in the millions.
Product: Student loan

I would like my loans verified and I am are concerned about the recent allegations against Navient. I would like them to be removed from your report if they can not be verified.
Product: Debt collection

I received phone call about this debt in XX/XX/2018, I told them I did not know anything about this debt. then I received a letter week later .I called their phone number no response I believe this to be nothing but harassment. I do not have any account with XXXX XXXX and no account with them. a year ago hey sent a chair to my door that I did not order I never accepted the box as I never ordered anything I called XXXX XXXX who I thought may have sent it they said they did not, the box remained outside of my apartment door and the next morning it was gone I called my resident managers office to find out why they allowed XXXX to put the box at my door and they said they were never notified that I had a box or package. 
In their letter they want me to write them and I don't know why I should take time to write them if they will not answer their phone.this XXXX XXXX is a fraud operation trying to steal money from people like me through trickery and deceitful methods
Product: Credit card or prepaid card

Hi, I'm disputing a hotel charge from " The XXXX XXXX XXXX '' booked on XX/XX/2022 for {$770.00}. Our actual scheduled stay was for XX/XX/2022 through XX/XX/2022. 

My wife and I booked a 3 night stay for our honeymoon but had to leave before staying the first night due to black mold/no AC in our room. We stayed zero nights in the hotel and had to book new lodging last minute after traveling for 24+ hours. 

After our honeymoon, I tried contacting the hotel and received little to no response via calls and emails. I then tried a dispute with my credit card Citi bank but they said I needed to contact the hotel. I tried to contact the hotel again but again no response. 

Can you help us out? This put a huge damper on our honeymoon.
Product: Credit card

Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.
Product: Debt collection

I was reviewing my credit report and noticed that this company has reported that I owe them a debt to my knowledge i have never entered into an agreement with this company nor have they provided me any goods or services