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

On XXXX XXXX I applied for a settlement loan from Oasis Financial. It was all handled online and over the phone. They asked did I want to make payments or wait until my settlement came in to pay off the loan and I opted to wait until settlement. I did sign a contract saying I would pay back 36 % apr on {$5000.00} which at the end of period would be {$7100.00} at loan maturity. Never was I told that I would be charged 6 % interest monthly on this loan I did see a 3 % monthly accrual charge on deferred payments on principle which I was lead to believe would be $ XXXX on the {$5000.00} I borrowed and today a woman tells me its 6 % which is $ XXXX. I offered to pay the 3 % of {$150.00} a month to keep that charge from adding up until the end of my settlement agreement, but I was told I had to pay over {$2000.00} today then make monthly payments of close to {$300.00}. Which I explained Im being put on XXXX and can not afford that. I have no problem paying the original {$5000.00} plus the 36 % apr which over two years totals {$2000.00}. But I feel like they mislead and misrepresented their terms. Please let me know what I can do? I have emails and contract documents from online handling of my account
Product: Credit card

I was in XXXX and when I returned I noticed a charge for {$540.00} on my card for XX/XX/XXXX for a general contractor. It is under the term " XXXX '' which I have since learned is similar to XXXX but in XXXX. I submitted it to Chase and they denied the fraud claim saying I benefitted from the purchase. How did they decide that? It makes no sense. So I called back and spoke to a lady who was very helpful and helped me walk through my day to pinpoint when it could have been charged. We traced it to a restaurant in XXXX. When the waiter brought the bill, I gave them my card. They must have swiped it and fraudulently charged me at that time. I asked Chase to look at it again and just a few days later they said the charge is valid. What recourse do I have? I absolutely did not make a {$540.00} purchase for general contracting while vacationing in XXXX.
Product: Credit reporting or other personal consumer reports

This complaint has been ongoing for over XXXX  years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a Chapter XXXX XXXX. I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX  laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX. This account was included in my Chapter XXXX XXXX  and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and XXXX moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX XXXX  tradeline from all credit reporting agencies within XXXX  days from the date of this dispute.
Product: Checking or savings account

NFCU refuses to grant a loan of any kind to this XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Veteran, especially when this XXXX has qualified on several occasions for a VA Home Loan. NFCU refuses to reimburse all of the current Fraudulent NSF fees applied to this XXXX NCFU account XXXX when this XXXX has a receipt that a deposit was made to cover checks written to this account ; as well as reimburse this XXXX for {$2.00}, XXXX Fraudulently stolen from this XXXX Savings account XX/XX/2017 and put back in this XXXX Account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with XXXX on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission
Product: Credit reporting or other personal consumer reports

My issue is with AFFRIM inc. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in XXXX  and I live in XXXX. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.
Product: Credit reporting or other personal consumer reports

XXXX credit, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report XXXX : XXXX
Product: Debt collection

XXXX XXXX, try to collect a debt that's not owe. Actually, XXXX owe me {$2600.00} in exemplary punitive damages. I return my XXXX XXXX to XXXXXXXX XXXX which they receive and never issue a return. 

( Ga. Code 16-8-12 ; 17-10-3, -8 ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( Ga. Code 51-10-6 ( 2020 ).
Product: Debt collection

To the best of my knowledge and recollection this hospital bill for a two hour outpatient procedure was paid in full. My medical insurance carrier paid tens of thousands and I paid hundreds. This comes out of nowhere. I have no documentation indicating there is a balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Product: Debt collection

Dear CFPB, I am filing a formal complaint against Transworld Systems for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). 

I initially disputed this account and requested debt validation from Transworld Systems under 15 U.S.C. 1692g ( a ), which requires debt collectors to provide verification of a debt upon request. However, Transworld Systems failed to supply proper documentation proving the validity of this debt. Despite my request, the company continues to report this unverified account to consumer reporting agencies, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or unverifiable information. 

Additionally, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information, and the furnisher must conduct a reasonable investigation. Since Transworld Systems has failed to provide proper validation or remove the unverified account, I believe they are in violation of their legal obligations. 

I am requesting that the CFPB investigate Transworld Systems for non-compliance with federal credit laws and take appropriate enforcement action. I further request that this account be removed from my credit report if they can not provide proper validation. 
I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

A collection account from XXXX XXXX has been placed on my credit report erroneously. This account does not belong to me and I have been disputing the account for several weeks to no avail. The debt is being handled by Enhanced Recovery Company , LLC which has repeatedly provided me with incorrect information in regards to the steps to take to get the incorrect information removed from my credit report and they have not been helpful during this entire process. At this point my credit score has been affected as this incorrect information remains on my credit report.
Product: Debt collection

I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.
Product: Credit reporting or other personal consumer reports

I was told to send a dispute request XXXX by a Nelnet rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the 3 past Student loan accounts that were transferred XXXX to XXXX XXXX  XXXX These accounts are still showing up open on my XXXX credit report & 1 account for ( $ XXXX ) is still reporting open on XXXX XXXX The other 2 accounts have been removed on XXXX & all Nelnet Accounts have been removed completely from the XXXX report. 
I have been disputing these error for 6 months & the bureaus are making it very difficult because when they send a dispute to Nelnet to verify if these accounts are accurate, at the time of XX/XX/XXXX, Nelnet credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with Nelnet & this allows the account to stay on my reports. I have requested several times to XXXX XXXX XXXX to please ask Nelnet if the loans were transferred to XXXX XXXX  & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX XXXX the transfer letter & the recent letter I received from Nelnet XXXX & they still won't remove the old loans. Both XXXX XXXX XXXX are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from Nelnet stating the loans were transferred & no longer opened & I no longer have a balance with Nelnet. The last rep. I Spoke with Nelnet ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX  XX/XX/XXXX & no longer opened. 
XXXX XXXX XXXX act like they never received that info. I'm requesting Nelnet to report to XXXX XXXX XXXX these accounts were transferred & are NOT opened & for Nelent to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with Nelnet any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX XXXX, showing the Nelnet accounts are currently still reporting open to these credit Bureaus. I also included the letters Nelnet provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTs? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

Problems with the passage of the last XXXX hurricanes, with severe effects due to floods, job loss, low income, etc.
Product: Checking or savings account

Today, the XXXX of XXXX, Chime bank sent me an email notifying me that it was no longer in their interest to do business with me and that they had gone ahead and closed my checking account, credit builder account, and savings account- specifically stating that none of my funds would be reimbursed or paid out to me in any way. This was right after I made an {$800.00} cash deposit at a XXXX, and I am scheduled to receive my lease deposit of {$1200.00} tomorrow. 

Simply put, Chime has stolen from me and abruptly closed my account. If I had done this to another individual, I would be charged with theft and put in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 Equifax received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from Equifax it was told in a letter that a third party vendor XXXX XXXX had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on XXXX XXXX this is clearly a privacy violation for both agencies. I need to how is this verification legal since the courthouse on record doesn`t release said information.
Product: Credit card or prepaid card

I received a ReliaCard from US Bank, which is designed to convey unemployment benefits from the State of Colorado to the recipient. I am age XXXX, retired, and have not applied for unemployment benefits. It does not look like a fake card ; it looks very real. I read on the internet that there are scams afloat that send these cards to seniors in order to get money from them, and this is my chief concern. I have not activated my card. I can not contact the bank because the line goes dead every time I try to call.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was told if i paid off the debt they would delete it. XX/XX/2020
Product: Debt collection

I spoke to XXXX at XXXX in reference to my account. I switched my insurance back in XXXX 2021. XXXX was sent all the proper documents to support the cancelation. Months later I received a collection notice stating I owed {$720.00} for an unknown reason. I contacted the collection company as well as XXXX making them aware of my documents and resent the information for correction. 6Months later it's still showing on my credit report. Damaging it!!!