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

Good Day On XX/XX/XXXX I took a payday loan with NetCredit for {$9900.00} which I only received {$8500.00} due to fees. I specifically asked about how the interest was applied and why it was so high and I was told that high rate of interest would only apply if the loan payments was late, missed or default. I have made 45 payment of {$240.00} in the amount of ( {$10000.00} ) which is my principle and some interest paid but NetCredit is now telling me the interest started from day 1 and expects me to continue payments until XXXX with the total amount of {$32000.00} which surely violates the laws of interest applied as a payday lender in the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

Navient / XXXX XXXX XXXX Navient / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Debt collection

I was sent an email on XX/XX/2021 from Hunter Warfield , Inc. about a debt that is owed by me to XXXX XXXX  which is our former landlord where we rented from XXXX XXXX for XXXX  years. I was contacted by phone from someone stating they are from Hunter Warfield , Inc. on XX/XX/2021 at around XXXX AM. In the email the following quote is given which is truly incorrect ; " Dear XXXX XXXX, Our records indicate that we have your permission to communicate with you via email at the following address : XXXX '' This I would never do. They have misrepresented themselves with a lie to begin their email along with a harassing telephone call on XXXX XXXX. 

I have no knowledge of this debt and our reasons for leaving the house and moving away were for safety reasons with growing XXXX with the neighbors who were also tenants of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer 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 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 I recently bought a car and the dealership was excessively pulling my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY THEFT. SOME OF THE INFORMATION AND ACCOUNTS APPEARING ON MY CREDIT REPORT DID NOT REFLECT ANY TRANSACTIONS MADE BY ME OR ANYONE I KNOW. I REACHED OUT TO THE INDIVIDUAL CREDIT BUREAUS AND TRIED TO RECTIFY THESE PROBLEMS. I WAS INSTRUCTED ON WHAT TO DO. I WAS ASKED TO CONTACT MY LOCAL POLICE DEPARTMENT AND FILE A POLICE REPORT AND ALSO CONTACT THE FTC AND VARIOUS LENDERS. I DID ALL OF THESE AND MORE. I SUBMITTED ALL THE DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX, XXXX  ). AFTER 30 DAYS OF INVESTIGATION, XXXX  AND XXXX  REMOVED ALL THE FRAUDULENT ACCOUNTS AND INQUIRIES. ON THE OTHER HAND, EQUIFAX HAS DENIED TO REMOVE AND BLOCK ALL THE FRAUDULENT INFORMATION. 

IT COMPLETELY BAFLES ME HOW EASY IT IS FOR A CREDIT REPORTING AGENCY TO SLAP FRAUDULENT INFORMATION IN YOUR CREDIT REPORT BUT SHOW RESISTANCE TO DELETE IT. I AM A LAW ABIDING CITIZEN AND I CONTRIBUTE POSITIVELY TO SOCIETY. UNFORTUNATELY, I AM UNABLE TO HAVE TOTAL CONTROL OF MY PERSONAL INFORMATION BECAUSE OF IDENTITY THIEVES. THE CREDIT BUREAUS ARE SUPPOSED TO PROTECT ME AND MY INFORMATION. THIS HAS NOT BEEN THE CASE WITH EQUIFAX. I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAN TO STEP IN AND HAVE THIS ISSUE RESOLVED. THIS IS COMPLETELY UNFAIR AND TOTALY BIASED. ALL 3 CREDIT BUREAUS CONDUCT THE SAME INVESTIGATIONS INTO IDENTITY THEFT. BUT I DON'T UNDERSTAND HOW 1 CREDIT BUREAU IS ABLE TO HAVE A COMPLETELY DIFFERENT OUTCOME FROM THE OTHERS. MY CREDIT REPORT IS SUPPOSED TO BE FAIR AND ACCURATE. UNFORTUNATELY, EQUIFAX HAS NOT MADE THE EFFORT TO MAKE SURE MY CREDIT REPORT IS ACCURATE. PLEASE HAVE THIS FIXED AS IT IS IMPACTING MY LIVELIHOOD. 

I HAVE ATTACHED A COPY OF MY OTHER REPORTS WITH THIS COMPLAINT SO EQUIFAX CAN HAVE A REFERENCE TO ENSURE ACCURACY I HAVE ALSO ATTACHED A COPY OF THE ORIGINAL POLICE REPORT, FTC IDENTITY THEFT REPORT, FTC IDENTITY THEFT AFFIDAVIT, PROOF OF IDENTITY AND PROOF OF RESIDENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 or other personal consumer reports

I saw some unauthorized inquiries on my credit report today, and I have no clue why they appeared. When I checked as I normally do, there were random discrepancies. I tried refreshing the browser, thinking it might be a mistake, but nothing changed. I feel very frustrated and need the documents I submitted to be checked carefully so this can be resolved once and for all.
Product: Money transfer, virtual currency, or money service

There is a transaction on my bank statement from PayPal in the amount of {$190.00}. I contacted PayPal and they checked both mine and my husbands accounts through our emails and said they had no information for this transaction. 

Our emails are : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX I started investigating this after it happened ( 2019 ) but then my father died and then 7 months later my brother died so it completely slipped my mind. 

I'm submitting a copy of the bank statement so you have all the information. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX ON XX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX  On XX/XX/XXXX XXXXsomeone attempted to get a loan on my credit file FACTUAL DATA CONSUMER On XX/XX/year> someone attempted to get a loan on my credit file FACTUAL FATA CONSUMER ON XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX
Product: Student loan

I am trying to make payments on my student loan with Aidvantage. On XX/XX/XXXX I made a payment of {$140.00} which they processed and then said there was a payment reversal. This never showed up in my bank transactions. On XX/XX/XXXX I made a payment of {$420.00} and their website said this payment was received. The payment was never processed with my bank.
Product: Debt collection

Company has called me repeatedly and does not make proper documentation on the account ; manager has called and left threatening messages about the next course of action ; also did not have receive any documentation in the mail about this debt ; I spoke to them about resolving this debt since I am going through a financial hardship ; company was paid {$200.00} XX/XX/2022 and {$100.00} on XX/XX/2022. Still received phone calls after setting up an arrangement for the next 3 months ; also representatives who answer the phones are VERY unpleasant and rude/unprofessional ; also has called my family members to harrass them AND talking about my personal information which is against the law
Product: Credit reporting or other personal consumer reports

After looking on the Secretary of State website for XXXX XXXX in which I live I have come to a conclusion that XXXX XXXX XXXX has violated my right by Extorting me for an alleged debt. I have requested A copy of XXXX XXXX XXXX registration to due business in my state which is XXXX XXXX XXXX The commissioner of XXXX requires all businesses to be registered with the Secretary of State. Also XXXX XXXX XXXX is required to have a permit from the commissioner of insurance of XXXX XXXX. XXXX XXXX XXXX is doing illegal business in XXXX XXXX and continue to attempt to collect an alleged debt. 

Please provide proof of : Registration to do business in XXXX XXXX XXXX 
Also provide a copy of your Insurance Permit from the commissioner of XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ( via XXXX XXXX ) issued a credit card transaction without my knowledge or consent. The target credit card was not defined as a payment option at the time of the transaction. No transaction documentation was issued to me. I discovered this transaction by accident when checking the status of the credit card, which I had previously cancelled and paid to a {$0.00} balance. 
I have attached a more detailed description of the problem as a PDF file.
Product: Credit reporting or other personal consumer reports

Consumer Name : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Contents of Complaint : This complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXXXXXX {$660.00} These accounts have resulted in several fraudulent hard inquiries XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting XXXX XXXX Bankruptcy on my consumer report and they have put in the data furnisher as XXXX XXXX XXXX Illinois which is false I have attached a letter from the The United States Bankruptcy Court Northern District of Illinois verifying and stating they do not furnish information over to the credit reporting agency or any credit monitoring services nor do they verify, validate any information concerning bankruptcy. TransUnion is falsely stating this information on my consumer report an they have yet to remove this from their file credit report. Attached below are exhibits A an Exhibit B my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that does not belong to me was filed under my credit report. I have no knowledge of this account. It is fraud
Product: Debt collection

I received an initial demand letter from the agency in XX/XX/XXXX at which point I contacted their office and was notified it was for a bill from XX/XX/XXXX. I explained that I had visited the medical office over 20 times in XX/XX/XXXX and asked how come I never received notification of any debt owed? The representative stated that she would contact the creditor and would provide docs as they were having the same issues with the hospital from many debtors they were speaking with. Two weeks later I received another letter stating they had verified with the hospital that the debt was valid and that I owed the amount. I called their office and spoke with a Collection Manager named XXXX and asked why I was receiving calls and letters since I requested validation of the debt. He stated it was never notated on the file that I wanted validation of debt and that the request would have to be made in writing and that now I had a second account in their office and both would be reported on my credit bureau on XX/XX/XXXX. This is a contradiction to the letter as it had stated that the client has notified their office the debt was valid. I sent a certified cease and desist with a request for validation that their office signed for on XX/XX/XXXX and on XX/XX/XXXX the collection agent called and left a message on my cell phone. I called them back and requested to speak with their CEO or Compliance Officer but no one has called. I received another letter in XX/XX/XXXXstating the same that they have checked with their client and both debts are valid. The collection agency has falied to provide docs or return calls.
Product: Checking or savings account

XX/XX/XXXX I was Scammed by someone who called my work. They said they were delivering a new XXXX if sales machine. Remaining balance if XXXX so 2 transactions were made XXXX and a XXXX payment Upon paying the amount no merchandise was delivered And I called bank right away to dispute transaction. Bank issued credit XX/XX/XXXX and then reveresed XX/XX/XXXX because if insufficient evidence. I emailed the al documents and the re applied credit. Credit was removed again XX/XX/XXXX with no notice on Causing account to go insufficient and made me late on multiple bills. I called and the rep whom I spoke with said only 1 claim was filed and the other had no claim dispute. So I again emailed them edited the form to show the correct amount and merchant. Now XXXX Credit was reversed again for the XXXX time. I called asked to speak with a supervisor and was Told XXXX was the supervisor Spoke with her for over a hour Trying to resolve issue said I need to call back next day as the department that handles that was closed. So I called back next day XXXX and spoke with another rep who informed me that XXXX was not a supervisor in fact just a regular representative. And then was told I would receive a call in 3 business days which I have not received any calls this is the XXXX business day now. And I have bills coming up once again and will not be able to pay for them since they keep applying and removing credit as they so please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being, I have rights under XXXX XXXX XXXX. Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to XXXX XXXX XXXX : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Disputed accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXXEQUIFAX ID Report XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX Report XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX Report EQUIFAX XXXX XXXXXXXX XXXX XXXXXXXX Interview System EQUIFAX XXXX XXXX Automated XXXX Interview System EQUIFAX XXXX XXXXXXXX XXXX XXXXXXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Interview System XXXX Credit Report EQUIFAX XXXX XXXX Automated XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Capital One/XXXX is reporting to XXXX that I had a 120 + late payment back in XXXX 2009 which is false that account was always paid ontime. Recently after disputing the information with XXXX Capital OneXXXX updated that the account had a positive revolving history to XXXX and XXXX but not to XXXX. This is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : XXXX XXXXXXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to XXXX, Equifax, and XXXX, the United States Bankruptcy Court Eastern District of Virginia reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, CONSUMER PORTFOLIO SVCS, INC # 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

In XX/XX/XXXX, UAS XXXX changed their online system. Since then none of my payment attempts have processed. On XX/XX/XXXX payment for {$50.00} was made, on XX/XX/XXXX {$64.00} payment made, on XX/XX/XXXX 5 payment attempts of {$110.00} was made, on XX/XX/XXXX payment made of {$110.00}, XX/XX/XXXX payment attempt of {$110.00} was made. I was told in XXXX that my payment attempts for XXXX and XXXX did not process. There was no time for me to try to correct the issue. On XX/XX/XXXX my check for {$200.00} was cashed and payment still has not posted. I was told it was my ACH accounting info was wrong. I called my bank in XXXX and XXXX and informed my ACH info was accurate. UAS XXXX continues to tell me they dont know whats wrong, they dont know where the check went. I emailed a copy of the front and back of the check on XX/XX/XXXX and XX/XX/XXXX. Still doesnt show posted. They do not accept credit card or debit card payments. Only able to pay through ACH payment. The account is showing closed on my XXXX credit report and UAS XXXX stated I needed to dispute it because they see the transaction attempts. I did dispute the error with the XXXX credit Bureau and was informed that the information is accurate and they could not reactivate that account on my credit report. Due to this issue, I dropped XXXX pts on my credit report, showing I have missed and late payments. I am being told the issue is my fault but have proven it is not, I am not getting proper assistance with how to pay them. When asked if I could pay it off in a bank somewhere they said no. They only accept ACH payments. I have spoken with a XXXX, who told me they would remove my ACH payment and we can re enter it, never was done. I spoke with XXXX twice and was told they dont know whats wrong, my bank info is wrong. I am getting nowhere with them and can not resolve this issue that is now effecting my financial life. I have been personally blamed by the people I have spoken with that this issue is my fault. I never had issues with payment until the changed their system. I have deleted and re added my banking information and still didnt work. When calling UAS XXXX, they are experiencing longer than normal wait times, the people who review paper payments are backed up. Appears they are having a bigger issue.