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

On XX/XX/2019 I applied for a payday loan with Ameri cash loans. I was not informed of the interest rate this loan would have. I was also given the option of how much I wanted the loan to be. I agreed to take out the loan for {$800.00} and the rep allowed me too after sending over supporting documents such as : my 2 most recent pay statements, photo ID and signing contracts over the phone. According to the Illinois Department of Financial & Professional Regulation consumers should not be able to borrow 25 % of your gross monthly income. At the time my monthly income was XXXX was meant the maximum amount I should have been eligible for would have been {$720.00}. Because of this I feel this lender is guilty of predatory lending.
Product: Debt collection

I have never done business with this company so for them to have my personal information after experiencing identity theft is very alarming. I have sent a request for validation via certified mail which was received by them on XX/XX/21 and have not received anything back yet however, they flagged the account as a collections account on XX/XX/21. I can confirm this company has no signed agreement between the both of us or any evidence that weve ever done any business whatsoever so they will not be able to provide any documentation validating this account is accurate which some of what Im requesting from them.
Product: Debt collection

EOS CCA is a debt collection company that has purchased a Fraudulent debt or Identity thief debt from XXXX XXXX in my name in the amount of {$2400.00}. 
This debt is not mine, I have tried in every way to get this company to remove this fraudulent debt from my credit report. I have received a fraud pocket from EOS CCA in XXXX XXXX XXXX, I promptly completed the pocket/documents and summitted a Affidavit signed by a Notary and mailed the package on XX/XX/2020 as a registered package to an address in XXXX MA that was on the documents. This is the address of EOS CCA. The USPS sent me an alert when the mail was delivered to the EOS CCA address. That was almost two months ago and I haven't received a reply as promised to myself and the XXXX XXXX  XXXX from EOS CCA..I have sent documents to this company with the telephone number which I had during the period in question and they still refused to correct this gross error. 
Below is the USPS receipt from a registered mail dated XX/XX/2020 and mail to XXXX MA, the return address on the affidavit. They have informed the XXXX that they did not received the registered package despite the contrary from the USPS. Below is verification of delivery by the USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00}.
Product: Debt collection

XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.
Product: Credit reporting or other personal consumer reports

I have not supplied proof Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.SXXXX government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )
Product: Checking or savings account

I created a Current account in XXXX and funded it with the maximum amount to take advantage of their advertised 4 % savings XXXX. My account was immediately flagged for fraudulent activity and my funds were frozen. I received an email from Current requesting documentation to verify my funds and identity. I provided that information to them the same day they requested it on XX/XX/2022. 

Every week, I followed up with their chat feature on the app to inquire about a timeline as to when their investigation would be completed. I would be connected to a XXXX who would do nothing but provide boiler plate pleasantries, dance around my question, and then proceed with saying they will " escalate the situation ''. All this did was bump the email chain following the investigation into my account. I have emailed Current multiple times, receiving no response. Every time I called their phone number, it directed me to their app. 

This went on for a month. I was tired of dealing with a company that lacks any sense of urgency or transparency regarding their investigation into the unfreezing of my account. I attempted to close my account today XX/XX/2022 via the chat feature on the app as stipulated by their terms and conditions/ user agreement. I expected to forfeit all the interest accrued in the account due to early account closure and have my initial deposit returned to me within 14 days via mail. The XXXX on the app was unresponsive to my request to close my account. I have requested that they close my account via email, as well. 

I want Current to follow through with closing my account and mailing me back my initial deposit.
Product: Credit reporting or other personal consumer reports

XXXX Experian and 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. 1671c. ( 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Title XXXX chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and TILA. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.
Product: Debt collection

Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants
Product: Checking or savings account

Today I contacted y'all dispute department about my claim Date,XX/XX/XXXXTransaction. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX CA XXXX CARD XXXXAmount, $ XXXXClaim Number,XXXXStatus : Closed because I never received my refund check in the mail yet I told. She told me that I would decide in the mail in 10 days because she will have someone look at it. I told her what the other agent told me last month that she will have them send me a check in the mail for {$9.00}, and my claim was approved because she couldn't refund it back to my account. After all, my wells Fargo account is closed.
Product: Checking or savings account

I signed up for XXXX and tried to link my accounts. I got the message " PNC has made a change that prevents you from being able to link accounts '' and then suggested that I file this complaint.
Product: Credit reporting or other personal consumer reports

I have accountspassed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from Navient going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your Navient Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported to all credit reporting agencies
Product: Student loan

This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. 

Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. 

In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. 

After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. 

I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. 

It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. 

I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour.
Product: Debt collection

I offered for a pay to delete settlement, they claim I owe XXXX. I offered to give them {$200.00} and {$50.00} a week till paid in full, and all I ask is that the remove the debt and tradeline name from credit report, they refused the offer. XXXX is the first collector I taked to who state that the FCRA would not allow them to remove the account, but he would have me talk to his superviser XXXX, who tried stating that the contract with the credit agencies doesn't allow them to remove validated or accurate accounts, and the FCRA act doesn't let them either, So I called the FTC after I got off phone, the FTC told me that they are wrong there is no federal law that stopes account from being removed from credit reports even if they are Validated, The FCRA just state if you report to credit reports it must valid and accurate, I Then contacted XXXX, and XXXX and the stated they have no contract that restricts clients from removing accounts from credit reports, creditors can remove accounts or add accounts as the choice, even validated accounts, the only requirements is that they report so many accounts to use the system, that to keep the creditor from removing accounts in a contract would violate federal laws. and they don't use contracts, it a user agreement and XXXX sent me a copy for my review, so my offer still stands but I want it in writing from you that upon completion of paying you off you will delete you tradeline name, and I don't want XXXX or XXXX on this because they already started with lies, they said it was recorded so feel free to listen and send me a transcriped of the call, you can email me. thanks
Product: Vehicle loan or lease

I am fully aware of my payment history with Toyota financial services. My biggest complaint with this reporting to the CRAs is the fact that I did make a payment in person with cash on XX/XX/2021 that payment is the payment that was in place for the XX/XX/2021 payment. The payment made on XX/XX/2021 was not made on XX/XX/2021 it was received by Toyota XX/XX/XXXX and I am being penalized because the payment wasnt processed by XXXX Toyotas stating that I made a payment on XX/XX/XXXX, I did not make any payment on the XXXX of XXXX. That payment was made on XX/XX/XXXX as there were issues with my bank account. There is nothing in Toyotas terms and conditions that states the process for making a cash payment or payments made outside of XXXX payments. A payment for XXXX was PAID in CASH on XX/XX/XXXX before XXXX XXXX which is my deadline and I provided proof of payment. I am not responsible for processing time from Toyotas payment partners and lack of instructions for those who chose to NOT make payments directly through XXXX. The payment proof is the receipt provide as its postmarked/dated and time stamped with the correct payment date. It took a total of 4 business days to process this payment which I am not liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and Trans Union asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX ACCOUNT # 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: Debt collection

I pulled my credit report on annual credit report.com I sent Disputing letter in to I c systems, XXXX and XXXX stating that this information reporting is inaccurate ( dollar amount and dates ) and must be removed from my credit report which is a violation of FCRA. The Account number on XXXX XXXX dollar amount XXXX and XXXX XXXX dollar amount XXXX
Product: Money transfer, virtual currency, or money service

I am 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 that 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

cash app took money and did unauthorized transaction it was no XXXX number to contact and they even closed down one of my accounts i had to start over
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect and fraudulent items I see on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my dispute in on XX/XX/2023 i have not received anything back in pass the 30 days