23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I used Citibank credit card to make deposit of {$1000.00} on charter of sailboat in XXXX. Because of Covid I asked charter company to refund my deposit. They refused. Around XX/XX/2020, I disputed the charge with Citibank because pasengers were all over XXXX and more sensitive to Covid. 

I have endless documentation with the vendor to get a refund since Covid prevented nonessential travel. My XX/XX/2020 initial refund denial with the credit card did not include " merchants documentation. '' However, I continued the dispute and e-mailed my documentation XX/XX/XXXX. [ available on request ] The Citibank letter gave me until XX/XX/2020 to continue the dispute.. 

XX/XX/2020 from Citi : " the timeframe in which to resolve a dispute has passed. '' Huh?
Product: Credit reporting or other personal consumer reports

Announced in XXXX of XXXX XXXX XXXX XXXX has said that back In XXXX they had a data breach which unfortunately I was a part of causing me to suffer from financial hardships because of the identity theft thats occurred with my identity.XXXX XX/XX/XXXX, Anthem filed a breach report with the XXXX Office for Civil Rights detailing that, on XX/XX/XXXX, they discovered cyber-attackers had gained access to their IT system via an undetected continuous and targeted cyberattack for the apparent purpose of extracting data, otherwise known as an advanced persistent threat attack. After filing their breach report, XXXX discovered cyber-attackers had infiltrated their system through spear phishing emails sent to an XXXX subsidiary after at least one employee responded to the malicious email and opened the door to further attacks. XXXX  investigation revealed that between XX/XX/XXXX and XX/XX/XXXX, the cyber-attackers stole the ePHI of almost XXXX XXXX individuals, including names, social security numbers, medical identification numbers, addresses, dates of birth, email addresses, and employment information. This is something I was unfortunately was apart of that caused identity theft ti happened in my name and suffer from financial hardships.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the removal of erroneous accounts from my credit report. Could you check the documents? Some of the accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
Transunion too.
Product: Credit reporting or other personal consumer reports

I've sent correspondences to the agency to VALIDATE the debt over 30 days ago XXXX and they have failed to do so. I also mention that correspondences have been filed in XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion reporting XXXX XXXX, DEPTEDXXXX, XXXX, XXXX AND XXXX XXXX BANKRUPTCY FRAUD ACCOUNTS I NEED THESE ACCOUNT REMOVED Equifax reporting XXXX XXXX, XXXX THESE IS FRAUD ACCOUNTS NEED TO BE REMOVED Experian reporting XXXX XXXX, DEPTEDXXXX, XXXX, XXXX AND XXXX XXXX BANKRUPTCY THESE ARE FRAUD ACCOUNTS AND I NEED THESE ACCOUNTS REMOVED BANKRUPTCY ONLY SHOWING ON EXPERIAN AND TRANSUNION INACCURATE NEED TO BE REMOVED IMMEDIATELY.
Product: Debt collection

This is the third time that this has been on my credit report from different companies. Requested information and you only sent me a bill. Nothing with my signature on it. The first company that tried to collect on this was XXXX XXXX XXXX, and it was removed from my credit report. The second company XXXX XXXX XXXX and it was removed also for my credit report.
Product: Debt collection

Midland credit Reporting was sold a debt/collection account. The original account was opened prior to XXXX  when XXXX purchased. The credit reporting agencies are listing the debt under Midland as opened in XXXX and without completing the prior protocol for validity of debt has illegally reached the account on the basis that I asked for account validly documents. Midland is damaging my credit and practicing illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report. I do not and have not worked for XXXX XXXX.
Product: Debt collection

hey please remove all accounts I just pull up my report and I notice this all account is not mine.
Product: Checking or savings account

I started an account when I moved to Nebraska in XXXX  near XX/XX/23 with a check that was sherrif issued from child support. XXXX was withheld and never paid to me. When I inquired about this with holding I got transaction records that stated my account was set up in XXXX which is not correct and the money was withdrawled from the account before I even stepped foot in Nebraska. More of the money was laundered through etf transfers to XXXX XXXX to my XXXX XXXX account or XXXX XXXX XXXX XXXX XXXX. I tried to file disputes because some purchases were made in XXXX XXXX while I was here. The bank would not rectify these transactions because one of their bankers put in a pre dated transaction through my savings account and stole more money. They told me they had to close my account instead because XXXX XXXX knew where I banked. I reported near XXXX loss but the bank said they didn't want to pay it back nor do they want to talk about the account being opened before I moved to Nebraska and while I was in a different state on XX/XX/23. My online banking information did not match what they printed out for me in XXXX so I caught the XXXX too late they said but if the account had been set up a month before XXXX then how could I have caught it when I wasn't aware they did fraud on my account and set it up early on XX/XX/23.
Product: Student loan

I've had my student loans for a number of years. In XX/XX/2008 I was unemployed for a long time, working temp positions. Navient would not allow the income base, they only suggested they gave was forbearance for about 7 years, which added additional interest. Now the interest has gone over the amount I spent on my education. I've asked them to eliminate some interest whereas the loan would be payable at a reasonable monthly amount. My loan is now close to XXXX and my education expense was about XXXX. They refused to do anything but offer income base, based on XXXX. I can not afford that monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal placed a permanetly limited on my paypal account with email linked XXXX on XX/XX/2023, and refused to lift the limition on my account so my funds got stuck in there for 180 days and refused to help me to refund the money back to the sender as well.The paypal available balance i have which it's XXXX XXXX who sent it to me and I asked to refund money back to her but paypal refused to do so.
Product: Payday loan, title loan, or personal loan

I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX  XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. 

I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}
Product: Debt collection

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane Francine. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$2200.00}, but has been sold. The balance should be {$0.00}. Also, this debt has been sold to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to inaccuracy and potential fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in XXXX AND XXXX to be removed. 

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. 

XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I mistakenly sent my mortgage payment to previous loan servicer Ditech on XX/XX/XXXX. Since then I have called them more than 10 times and have not received my check back. Everytime I call, I get a different answer. I have been told the check was mailed on XX/XX/XXXX and then was told on XX/XX/XXXX. Nothing came in the mail, I verified my address and it is correct. Supposedly a manager was working on it but when I call her she has to send email to another area to find out and then nothing happens unless I call them to get the same answer. I have even told them to check with Monetary department to look under unapplied account and overnight the check. No one seems to know what to do. I have now starting getting assessed late charge and collection calls from my current servicer. I admit I made a mistake but it should not take this long for a big company to cut a check. I have worked myself in a bank before and checks can be cut same day and overnighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my report, I saw a collection account for {$200.00} from XXXX XXXX from a power company. This power bill is not mine. 

On XX/XX/2023, I sent a dispute via certified mail to XXXX and Equifax, explaining how that account was not mine and that it should be deleted. In response, both companies claimed the account was verified as accurate. 

On XX/XX/2023, I sent a debt verification request to XXXX XXXX via certified mail. In response, XXXX XXXX sent a letter claiming that the debt originated from an address I have never lived at ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC ). Additionally, XXXX XXXX failed to provide adequate debt validation per the Fair Debt Collection Practices Act. 

On XX/XX/2023, I sent copies of all the aforementioned documents to XXXX and Equifax via certified mail. Again, both companies have refused to remove the collection account from my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$290.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXX bank and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated XXXX5 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXX bank, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Over the last week I contacted OneMain Financial and requested that they change the method in which they refund unearned interest for my account. The reason that I asked this is because I wanted to payoff my loan, but the payoff in which they gave me was higher than I expected. 

When I originally took out the loan in 2021 I was not informed the way in which the Rule of 78 works. After doing a significant amount of research I found that the Rule of 78 is widely considered a prepayment penalty due to it having the same impact as a prepayment penalty. The only difference is that in the eyes of the federal government prepayment penalty is a contractual charge imposed by a lender for early loan repayment, while the Rule of 78 is an interest calculation method that can result in similar effects to a prepayment penalty, as the borrower may not receive a full refund of prepaid interest. Even so, the Rule of 78 itself acts as an alternative route to charging a prepayment penalty as the true unearned interest amount is severely skewed when using its archaic methodology. 

With this in mind I would like to add that there are financial courses that XXXX  offer that state the Rule of 78s is a prepayment penalty. In addition XXXX  courses teaching this there are also several states namely Missouri that have deemed the Rule of 78s a prepayment penalty due to how it heavily favors the lender thus prohibiting the use of them for all loan types. Please refer to Missouri SB 0528 to see their decision. As a member of the United States of Americas prestigious XXXX XXXX I do not expect any form of special treatment, however, I would like to call upon the CFPB to speak with OneMain Financial to view their standpoint. I also forgot to mention that the loan was taken out in the state of Oklahoma.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 u.s.c.1681 section 604 A section 2 I have a right to privacy and a consumer reporting agency can not furnish an account without written permission It also states that all information needs to accurate and verified and the agency will verify the information thoroughly.

I have disputed the information for two years and showed the information that is not accurate there is three different social number between the three credit reports the loans and information are different through thought all three. None of the information is accurate and everytime I dispute they ignore it and say verified. There are so many violations on my credit reports According to 15 u.s.c 1681 n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than XXXX  and not more than XXXX  per violation Civil liability This has almost ruined my life I have not had any credit or debt in my life and when I had to go use credit I am un able to because of this and trying to fix it has been XXXX I have almost ended my life because of the stress and situation this has caused me. I want it fixed immediatly
Product: Vehicle loan or lease

Subject : Complaint Regarding Violations of Federal and State Consumer Protection Laws Parties Involved : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX Affiliated with XXXXXXXX XXXX XXXX XXXX XXXXCredit Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX Manager/Authorized Representative, XXXX XXXX XXXX XXXXXXXX I am filing this complaint regarding fraudulent, deceptive, and unlawful practices in a vehicle purchase on XX/XX/XXXX, involving a XXXX XXXX XXXX  ( VIN : XXXX ). These actions violate the Truth in Lending Act ( TILA ), Consumer Financial Protection Act ( CFPA ), Federal Odometer Laws, and the Alabama Uniform Commercial Code. 
Key Violations : 1.TILA Violations : {$4500.00} down payment misrepresented as part of credit, violating disclosure requirements. 
Finance charges ( 23.99 % ) and amount financed were inaccurately disclosed. 
2.Federal Odometer Act Violations : Odometer reading ( XXXX miles ) omitted clarification on mechanical limits, violating federal disclosure laws. 
3.Failure to Itemize : Fees for title, service contracts, and GAP insurance were not itemized, causing ambiguity. 
4.Unlawful Fees : GAP insurance and extended warranties were added without explanation or consent. 
5.Deceptive Practices : Trade-in value was inflated to manipulate the financed amount.

Legal Remedies Reserved : 1.TILA Vi
olations : Seek statutory damages up to {$5000.00} per violation. 
2.Federal Odometer Act : Demand {$10000.00} or triple damages for odometer violations.

3.State Consumer Protection Laws : Pursue claims under Alabama Consumer Protection Act.

4.Punitive Damages : Request damages for willful violations.

5.Emotional Distress : Claim additional damages for financial and emotional harm. 
Relief Requested : Rescind the Retail Installment Contract immediately. 
Refund the {$4500.00} down payment and associated fees. 
Remove negative credit reporting related to this transaction. 
Pay {$25000.00} in damages for financial, legal, and emotional harm. 
Failure to comply within 24 hours will result in legal escalation, including filing a lawsuit in federal court and complaints to the FTC and Consumer Protection Division. 
Conclusion : The actions by XXXX XXXX XXXX XXXX, its representatives, and Credit Acceptance Corporation have caused significant harm and violated federal and state laws. Immediate resolution is necessary to avoid further action. 
Sincerely, XXXX
Product: Checking or savings account

My account was closed with no reason given to me. My account has {$2800.00} in it. 
They have not returned my money. They say I will get my money but refuse to give me a date this will happen. My car payment is past due and my rent is due and I am being threatened with eviction. This is why I need my money. 

Please help