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

I received a loan from Money Lion aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. 4 and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. I bank with XXXX. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it.
Product: Debt collection

I requested a letter of validation from the company with my signature numerous times and have not heard back.
Product: Credit card or prepaid card

I have an online XXXX store run for me by another company. They told me I needed to pay a company called swift-ship {$2000.00} to ship some of my merchandise. Shortly after the payment was charged I noticed orders still weren't being shipped. I constantly tried to contact the account manager I was dealing with but there was no response. Then I received a letter from the company who was supposed to be managing my store that said they closed and dissolved their company. I never received any shipments from XXXXXXXX XXXX and none of my product was shipped because all the orders I received were cancelled. I filed a dispute but supposedly XXXX told Capital one they shipped a pallet of stuff to me at my address which is a regular house and would have place to receive a pallet of items. I tried to look up XXXX and don't have a phone number or address to contact them. So how could they verify or prove shipment were sent to me if Capital one can't tell me their number or address. I have received no proof of invoices being sent to this address and at this point feel it may be some kind of scam.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail XXXX. 

While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

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, emails, 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 ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX, XXXX. 

All rights Reserved Without Prejudice
Product: Money transfer, virtual currency, or money service

This company has rush people. 
i call paypal for get help about my limitation XXXX that was request to me send information. 
After 1 hour i received another email about my account was limited permanent again. 

But how they decided to permanent my account if i didnt sent the document for review. 

It looks like they just want keep the money. 

i feel really fustrated with this company. They system act just like hold the money to the customer. 

my email is XXXX XXXX
Product: Credit card or prepaid card

The XXXX and XXXX Credit Bureau are reporting inaccurate information on SYNCB/SAMSDC with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

My mortgage company is U S Bank I have submitted my financial several time with thin the last year and a half, and request for a mortgage modification. I have been turned down several times. I recently received a wage increase from my employer. I want to keep my home. I have resubmitted the request for mortgage modification with financials as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

This marks my tenth attempt to bring to your attention that I am a victim of identity theft. I am submitting this complaint to dispute the inclusion of items in my file resulting from this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. I request the removal of the reporting of these items from my credit file, which stems from an alleged identity theft, in accordance with FCRA Section 605b. Per the aforementioned section, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, under reference number XXXX. Please review the specified items that necessitate removal from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. 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 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 can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on 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. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I request remove this hard inquiries. This hard inquiries are fraudulent and not authorized by me. 
XXXX XXXX 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

Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore XXXX  actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX  recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX.
Product: Mortgage

My name is XXXX XXXX, and I have applied for a mortgage loan with Bank of America back in XX/XX/2019. Loan # XXXX I was almost done with the Loan process. Mr. XXXX XXXX was the loan officer in XXXX TX at XXXX XXXX branch. I was charged for appraisal fee by Bank of America in the amount of {$610.00}. They paid the appraisal company only {$320.00}. Due to the problem with title company they cant process the loan. I have been trying to contact every one in Bank of America to get my refund on appraisal fee if not full atleast the amount they did not pay to the appraisal company. No one is replying or helping me out. I am the only one earning in my house and every penny matters in my household. I dont want to loose my hard earned money like this. Please get them paid my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} My name is XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} ; CMRE FINANCE Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} ; CMRE. XXXX Original creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$310.00} ;
Product: Credit reporting or other personal consumer reports

Hyundai motor finance inaccurately labeled my payment as late, I've tried to call them and wrote several letters to no avail. 

They were sued for the same reason back in 2020 for misreporting credit. 

I just want it off my credit report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Filed XXXX  XXXX. Was misled by school, not allowed to return after a medical leave and school was ultimately closed due to misconduct. Refuses to address XXXX  application
Product: Credit card or prepaid card

In XX/XX/2022, i purchase 4 tickets to an even in XXXX XXXX for XXXX. ( XXXX XXXX weekend ). On multiple occasions i have contacted XXXX XXXX requesting my tickets be delivered to me because hotel arrangements had to be made to travel .I never got the tickets ( XXXX XXXX did verify that i never got them ) and few days before the event i made a phone call once again saying i don't have the tickets, There was an issue with third party seller and they advised to make a claim with my bank. I called U. S Bank credit card and made a claim. They told me i will be issued a temporary credit until the investigation is done, in the meanwhile to wait for paperwork for US Bank that would need to be signed. I waited about for a month, called U S bank saying i didn't receive the paper work. They verified the address and said to wait for another set. Never received it and called again telling them i need to have the paperwork sent to me again. After multiple attempts U.S Bank supervisor said the case is closed because they have not received a signed paper from me. I have pleaded explaining that I've been calling because i have not received the paperwork to offer another way of delivery and they denied the help because by then it was passed 60 days and the case was closed and to take it up with the merchant.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Experian due to their failure to resolve inaccuracies on my credit report, despite multiple disputes. The following issues remain unaddressed : Account Not Marked as Disputed : The credit bureaus have not marked the disputed account as " disputed '' as required by the FCRA. 

Incorrect Date of Last Activity : The date of last activity on the report is incorrect and does not reflect the actual last payment date, which violates FCRA guidelines. 

Unvalidated Collection Account : The collection account has not been properly verified as requested under the FDCPA.
Product: Credit reporting or other personal consumer reports

Experian continues to certify an incorrect debt reprinted by XXXX XXXX XXXX on behalf of my former leasing company, XXXX XXXX. Experian is now reporting and FALSE home address for me of XXXX XXXX XXXX XXXX, XXXX, XXXX. I have NEVER lived at this address. This company is accepting inaccurate information from the debt collection agency on behalf former leasing company. I pay my debts. This is WRONG! They are negatively impacting my credit. Where is the consumer protection? This XXXX address must be removed immediately and Experian must remove this inaccurate report. The leasing company had a year to contact me to review this alleged liability. Under their agreement they indicated that they required a year to review accounting. They contacted me beyond that year per the lease and alleged that a debt was on file. Their office told me otherwise and they had a year to address that. I provided notice. They didnt not process it and I was required to produce it again. This is wrong. Please remove this erroneous address and inaccurate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Money transfer, virtual currency, or money service

I tried to buy a bicycle from this ad https : XXXX. The owner of the bicycle asked me to move the conversation over the phone, which we did. His number, which is now not in service anymore was XXXX XXXX. So I made two payments via XXXX to an email address XXXX. I made a payment for XXXX USD and another one XXXX USD on the XXXX and the XXXX of XXXX. So in total XXXX USD for the bike and another XXXX for transportation from FL to NY. After the payments were processed, the number became out of service. I called the bank, and they said there is nothing they can do. I would really like to recover my money, if at all possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX I have been tricked by credit karma they showed me credit cards I was pre approved for and also told me there was no credit check but when I applied for one it alerted me that there was a hard inquiry on my credit report I've been using credit karma for years and I don't think it's ok that I've been getting tricked or lied to I want compensation for the lies and decite I had to go through and some of the things on my credit report I've tried getting removed bc some of them aren't my account they belonged to an ex but credit karma said they couldn't remove them! I don't know what to do or think
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Absolutely no disputes are to be entered from this complaint. This is just me providing my documentation to you once again. Tbe issue isnt the lender not reporting like Im lead to believe. Absolutely not possible when month after month other CRA reports never have this problem yet repeatedly this report does. 

Absolutely no disputes are to be entered My credit file has been messed up dating back to my knowledge at least around XX/XX/XXXX. 

Ive exhausted myself in every possible way to explain what I see vers what ultimately gets reported out etc. Ive tried mailing documents showing everything with no follow up action or results. Ive spent countless hours on tbe phone with this agency seeking help. Repeatly told a manager would call. To this date that has never happened. Ive repeated requested a file review of everything from top to bottom given massive time frame itll take to only learn once that window comes and goes that there isnt a time frame on this. Ultimately its never been done. I last requested such on XX/XX/XXXX here we are a month out and truthfully the issue today is by far the worse its ever been.
Product: Debt collection

The company Emerald Ar System is reporting a medical debt that was opened XX/XX/XXXX of 2023 on my credit report. they havent verify the debt and would constantly call me last year about it trying to get me to pay. Just recently they put it on my credit report and didnt list it as medical debt resulting in a XXXX point swing against my credit. 
the amount listed via XXXX XXXX is for {$310.00}. 
From my knowledge all my medical bills have been paid. They havent reached back out to me for awhile but just of XX/XX/XXXX reported against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance is a charged off account back in XX/XX/2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there are XXXX ( XXXX ) incorrect accounts with XXXXT that XXXX being reported on my credit report, and my dispute to have them removed has been unsuccessful. 

Even though the XXXX XXXX XXXX admits, the account is inaccurate, which makes it willful non-compliance Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The XXXX XXXX XXXX is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX v. XXXX XXXX XXXX Bank, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX account XXXX being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt XXXX, which could include the reporting of debts by financial institutions. 

The XXXX XXXX ( XXXX ) also requires financial institutions, including XXXX, to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the XXXX. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the XXXX imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions.. 

Being as though this is not the first attempt to fix this problem, the XXXX XXXX XXXX no longer has 30 days to respond, but they have to delete in XXXX business days or less
Product: Checking or savings account

XXXX XXXX, Im being charged an NSF Fee being for less than {$5.00}