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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? 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 ) & Section611 ( 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 theFCRA you are required to... promptly DELETE all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willfulnon-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did no tprovide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 


XXXX XXXX  XXXX Dates XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX acct # 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C-2 states to Block Except as otherwise provided in this section, a consumer reporting agency " shall block '' the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of *I have never given the credit reporting agencies a written notice with my consent with proof of identity, ( they have none of this ) to then report any of these fraudulent accounts on my credit profile. I sent all the necessary documents under FCRA 605B to block these items, yet they still remain. If you have written proof of me opening these accounts with my identity and contracts bearing my signature? prove it! If you have written notice of me stating for y'all to allow such reporting on my credit profile? prove it!
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from XXXX  XXXX  of comenity bank to pay for a XXXX  procedure. 
I told the representative on the phone I just moved to America and I dont understand the financial system and asked her to explain to me how the loan works, she said its a free interest loan. The company never provided me any documentation of the loan or statements but I continued to pay off the loan every single month. 

Now after 18 months they charged me for interest, and refusing to deduct it even though they didnt provide me with any kind of documentation of the terms of the loan
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX XXXX XXXX XXXX I make payments on the due date but sometimes after XXXX. I am charged a {$35.00} late fee for payments made after XXXX. My most recent statement I have {$310.00} in fees charged in 2021. I may have made a payment the next day once or twice I'm not saying every fee should be waived however I think its wrong to be charged a {$35.00} fee for making it after XXXX when 95 % of other cards you have until XXXX pm to make a payment before being assessed a fee I contacted the credit lender and they said because they are in a different time zone it goes by there time zone. I am looking for resolution from your office this is unfair to the consumer I feel like it is an extra way for them to take advantage of the public and charge these fees. All creditors should operate with the same practice of XXXX PM.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As such, I am requesting the immediate blocking and deletion of certain accounts and inquiries that have been fraudulently added to my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and 15 USC XXXX ( a ). 
XXXX Accounts to be Deleted : 1. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$2900.00} 2. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} 3. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} 4. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$4900.00} 5. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$780.00} 6. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$150.00} 7. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$1000.00} 8. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$43.00} 9. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$6300.00} 10. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$4200.00} 11. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$680.00} 12. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$2900.00} 13. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$6400.00} Fraudulent Inquiries to be Removed : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit card

The complaint seeks monetary compensation. Attached is evidence that Celtic Bank through its affiliate Continental Finance intentionally generates bogus charges on both of my Celtic Bank credit card accounts. These charges grossly exceed the Military Lending Act of a MAPR of 36 % I have incurred significant financial losses because of this illegal conduct. As described in 10 USC 987, I am seeking restitution to cover my Losses 1. Acct # ending in XXXX XXXX credit cards 2. Acct # ending in XXXX XXXX credit card To protect our active-duty service members and their families, Congress declared that any violation of the XXXX renders that loan void from inception. 10 U.S.C. 987 ( f ) ( 3 ).

Accordingly, all of Agreements to a covered members that contain an MAPR that exceeds 36 percent are void, must be rescinded with restitution paid for all amounts.

I discovered that two credit cards provided to me by Celtic Bank violates The Military Lending Act, 10 U.S.C. 987, and the company refuses to address the matter in accordance with 10 USC 987. The law and statute were not followed by Celtic Bank through their affiliate Continental Finance. I am protected from predatory lending by Celtic Bank because of my borrower status under the Military Lending Act. 
All Active-duty service members and their dependents are Covered Borrowers as defined by 32 C.F.R. 232.3 ( g ) ( 1 ).

I allege Celtic Bank violates the MLA in at least six ( 2 ) separate ways : ( 1 ) Surpassing the 36 % Military Annual Percentage Rate ( MAPR ) statutory rate cap.

( 2 ) Non-compliance with MLA disclosure requirements.

Celtic Bank refusal to adhere to current law and statute, regarding this matter requires Celtics Bank immediate attention. As an internal remedy I request the deletion of the legally voided account from my credit report, the voiding of the contract, and the immediate return of all payments made to Celtic Bank, pursuant to 10 USC 987.

By suppressing the MLA 36 % cap, Celtic Bank has violated the MLA by not incorrectly including fees in its APR and surprising payment that generate an MAPR exceeding 90 %.

Celtic Bank combined made restitution for {$1300.00}. See attached statements.

Celtic Bank is required by 10 USC 987 to make restitution by refunding all payments made against the voided accounts and void the contract in their inception.

Celtic Bank is required by statue to make restitution for all payments made on a voided contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on Equifax report that I did not consent to. 

Equifax Mortgage Ser Inquiry from XX/XX/2021 XXXX  XXXX Inquiry from XX/XX/2021
Product: Student loan

Graduated in 2008 with my XXXX  in XXXX. I returned to school for XXXX semesters working on my XXXX. Although loans were in forbearance I was told if I made some type of payment it would keep interest down and not be held against be. I owe approximately XXXX more now than when I graduated. The interest and fees I wasnt told about have pushed me well over 100k, I applied for public loan forgiveness and my employment qualified from XXXX but I can not get them to remove the forbearance and school deferment so I can qualify. They are counting XXXX payments on XXXX loans and XXXX on the XXXX. I have XXXX that they are saying dont count. XXXX is the number I need to be forgiven. Please help me! I am XXXX XXXX XXXX and through the years have been given so much wrong information. I feel like XXXX XXXX  owing student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}
Product: Credit card or prepaid card

Good afternoon, So I apply for chase credit card on XXXX XXXX and credit was pulled from XXXX. I got a message saying my they will. So two days later I called chase bank to know the status of my application. I was told I had to verify myself which I did by answering a few questions. They told me that I will receive something in the mail in 7 to 10 days. When I got the letter they said they canceled the application because they thought that someone was applying in my name. If I was the one that apply, to called them, which I did. After calling the reconsideration line, I was told by a supervisor they was going to do a manual review and I was going to get a decision in the mail in 7 to 10 days after they reviewOmg my application. My question if you thought someone was applying for credit card in my name you would of called the number on the application to verify information on my credit report that it was me on  the day I apply or the next day. So here we are XX/XX/2020 and I never received a letter of the decision on my credit card application. My score at the time was XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XX/XX/2017 to have Experian, XXXX & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry 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
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX   2017 t here 's a transaction for  XXXX  that was disputed on  XXXX   XXXX   2017 f or the same amount. I 've submitted vet statements, shipping confirmations, bank statements and paypal refuses to help settle the issue as promised in their buyer protection. It 's become apparent that my continued business with paypal is n't appreciated and that their working in the best interest of a verifiable liar and sca m artist. I 've jump ed through all the hurtles and hoops and they take this ladies word with out and verifiable information, matter of fact she has n't provided any proof of anything yet palpal will not uphold their promise of buyer protection. To make things worse paypal has hung up on me 6 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company that I have never done business with that is reporting a fraudulent account on my Credit Report. XXXX XXXX XXXX I do not have a loan or contract with them this account is Unverified the is not details or address to contact WTH? Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. PLEASE MAKE SURE MY CORRECT INFORMATION IS IDENTIFIED DOB XX/XX/XXXX SS XXXX Despite three written requests, the unverified 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 mine and is correct. In the results of your investigations, 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now
Product: Money transfer, virtual currency, or money service

I have an online friend whom Im close with. Someone made an online account pretending to be them and asked me for money. I sent {$75.00} Using Zelle. After I sent the money I double checked the accounts on XXXX and confirmed that I had been tricked. I called the bank right away to cancel the Zelle payment but the customer service rep said it was too late and I had to wait for the money to go through, and then I could dispute the payment. I disputed the payment the next morning, and today I get a letter in the mail from the bank saying that they do not think there was fraud and so they wont refund the money that I was tricked out of.
Product: Mortgage

My name is XXXX XXXX I live with my family at XXXX XXXX XXXX XXXX CA XXXX, in XX/XX/XXXX I received loan from XXXX XXXX XXXX un aware and not understanding the terms of the loan to an interest only payment i was making my payments for many years. In XX/XX/XXXX without my knowledge they switched the loan to Wachovia and I was making my payments to them. In XX/XX/XXXX I was switched to Wells Fargo ( a night mare ). Around that time my payments adjusted to three times the amount I was paying. I was struggling to make my payments I reached out to Wells Fargo begging for assistance for a modification. For several years I faxed all requested documentation to wells fargo litigation department but they would deny me every time I have continue to plead with them for a modification to no avail. 
under the settlement that was signed by XXXX XXXX and Wells Fargo in XX/XX/XXXX I qualify for a modification, I believe they are violating the settlement agreement and they are violating my right to get a modification due to the pick-a-payment they give me in XX/XX/XXXX. 
I am requesting your assistance in this matter and to investigate why Wells Fargo is violating and not honoring the settlement agreement that was signed in XX/XX/XXXX. 
Please I need your help I do not want to be homeless.
Product: Credit reporting or other personal consumer reports

I recently received my credit profile and there were ( 3 ) incorrect addresses, employer, and ( 9 ) inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX {$11000.00}
Product: Checking or savings account

TD Bank used deceptive practices related to excessive overdraft fees. 

Including misrepresentation of account balances and reordering of credits and debits to push my account into overdraft, allowing them to collect bank overdraft fees. 

Currently my YTD of overdraft fees are in excess of {$1000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, no response has been received. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 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, 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.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, a customer of ours transferred {$910.00} to our Paypal account. The same day, XXXX charged {$27.00} for this transaction. Also on the same day, I requested that the money is transferred to our XXXX checking account. Paypal would only transfer {$500.00}. Since then, we are trying to transfer the remaining {$410.00}. XXXX is coming up with excuses. SSN needs to be entered in profile, technical issue etc. None of them has fixed the problem and I still can not transfer the money as of XXXX XXXX, XXXX. As if Paypal was trying to keep it for themselves. They should be punished and forced to reimburse the high fees that they charged.