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

Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1400.00} on XX/XX/2019, and have had bi-weekly withdrawals of {$120.00} debited from my account. This results in a principal balance due of {$1400.00}. Which is an overpayment of {$97.00}. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used my checking account with Chase Bank on XX/XX/2018 at approximately XXXX to transfer {$40.00} via XXXX XXXX XXXXXXXX XXXX to a party named XXXX XXXX. The money was sent as a payment for tickets and soon as the money was sent the seller disconnected his phone prior to sending the tickets. I contacted Chase immediately and was told they could do nothing and the payment was already completed, however, it stills shows pending in my account. I was advised by a supervisor, XXXX and a manager, XXXX that I should seek outside council. They were unable to advise me of what outside council t seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

reached out to all 3 credit bureaus by phone and by mail no update no investigation paperwork or update, and no response
Product: Credit reporting or other personal consumer reports

I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.
Product: Vehicle loan or lease

I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!
Product: Debt collection

I paid off : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX for XXXX XXXX Hospital the majority of medical bills I had except one. I was under the impression that medical bills are not suppose to be a negative strike against the credit score but it has affected my credit score tremendously lower it. 

XXXX XXXX/XXXX paid in full but still showing owed and a negative against my credit score XXXX XXXX paid in full but still showing owed and a negative against my credit score Delenquent Recovery paid in full but still showing owed and a negative against my credit score Navient and the United States Department of Education I am still in school and my student loans are due to be until XX/XX/2026 but it is showing a negative against my credit score ALL THREE CREDIT REPORTING AGENCY ARE CONSISTENTLY LOWERING MY SCORE AS I PAY OFF AND DISPUTE DEBTS!!!!!!
Product: Debt collection

I purchased a XXXX XXXX XXXX financed by Capital One Auto on XX/XX/XXXX. I fell behind on payments and the car was repossessed on XX/XX/XXXX. I was sued by Capital One Auto IN THE MAGISTRATE COURT OF XXXX XXXX STATE OF GEORGIA Garnishment Case # XXXX. The Honorable XXXX XXXX XXXX, XXXX of said Court ruled in order of the Plaintiff for me to pay {$5900.00} on the XXXX day of XXXX, XXXX. I completed my last payment to Capital One Auto through garnishments from my paychecks at XXXX XXXX. XXXX sent 25 % of my check to Capital One Auto. The last payment sent to Capital One Auto was in the amount of {$1600.00} on XX/XX/XXXX. I received a Release of Garnishment from the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you go to https : XXXX and click on Smart Search then put in XXXX the case information will come up as public knowledge. I have sent Capital One Auto certified letters trying to get this resolved and they claim that their reporting is accurate. They are reporting to the Credit Report now and even through Covid where I was out of work for 3 months that the balance is charged off and that I still owe the balance. Capital One Auto sent me a collection letter on XX/XX/XXXX in the amount of {$4700.00}. I currently have XXXX XXXX XXXX trying to get the matter rectified with the Credit Bureaus but I was advised that there was nothing I could do against the bank itself and that I should file a complaint against them here. I received a document from the president 's office of Capital One Auto, XXXX XXXX XXXX, stating that they would never sue me for the balance in response to my complaint. This letter came after I had already been sued and after I've already paid my debt back to them. Every claim and document can be furnished upon request. 

Please help me, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft.

Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  veteran with so many hits on my credit. 
None of the crddit except for the car loan was actually me and resulted in debt added. 

My health have barely allowed me to love let alone have so many inquiries. 

The only credit that was tried was to obtain housing as the veteran was harassed in her home while trying to focus on her health. 

I was approved for home loans but never able to get a loans. 
The car is being used as a home as this is the only loan the veteran was able to obtain
Product: Credit reporting or other personal consumer reports

This is my third attempt to address this issue. I have filed disputes with all three credit bureaus and lodged a complaint with the CFPB as well. On XXXX XX/XX/year>, I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone coverage, and various other gifts included in the bundle offer. 

Shortly after placing the order online, I received the attached document but no subsequent instructions on how to set up my account. It's possible that the email containing account setup information was intercepted by a hack ( as has occurred previously ) or lost due to factors beyond my control. For this reason, I utilize both credit and ID theft monitoring services. 

The primary goal of my fourth attempt to resolve this is to assert that I did not receive any account setup information ( neither via email nor postal mail as indicated in the attached email ) until my credit monitoring service ( i.e., XXXX XXXX, XXXX, XXXX XXXX, etc. ) flagged the overdue amounts as a derogatory remark on my credit report. 

I am at the mercy of the XXXX XXXX XXXX to rectify a mistake for which I believe no one is at fault ; however, it impacts my XXXX years of impeccable credit history and an XXXX XXXX score for no reason other than what XXXX XXXX XXXX deem as obligatory factual reporting . Once again, as a loyal Samsung customer for nearly XXXX decades, I do not wish for this relationship to be tarnished by a seven-year derogatory mark on my credit report for an issue that has since been resolved and was due to a missing email or piece of mail that was either lost or intercepted. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I financed a car through XXXX XXXX XXXX and they still have yet to report it to my credit. That was the whole reason to finance a car instead of paying cash. I am trying to improve my credit and having fair and accurate reporting is needed. I have held up every end of my terms of the contact i signed with them.
Product: Debt collection

Company : .National Credit Adjust XXXX XXXX XXXX XXXX City/ State/ Zip : XXXX KS XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} IN XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the public record item below. I am requesting it be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX  RECORDER OF DEEDS {$3800.00} not mine
Product: Debt collection

In getting pre-qualified for a mortgage loan and being denied for derogatory history shown on my report. I did not recognize any of the derogatory accounts and I realized someone had stolen my identity. As soon as possible I contacted the various financial companies that had granted credit in my name and one of them was XXXX Acct No XXXX ; as I explained the account was not mine, they opened an investigation which lasted over two months and at the end, according to investigator XXXX XXXX since the account reflected a couple of payments were initially made to this account and the account was in my name, I was still responsible for it. I explained to her that I never had an account with XXXX XXXX XXXX and believed it had been also opened fraudulently. I went to a XXXX XXXX XXXX Branch and spoke to XXXX, an assistant management who confirmed the alleged account, number XXXX had been opened in XXXX, AZ and it was now closed. I told her I had never been to that city in AZ nor had opened an account with them, XXXX suggested I opened an investigation which I did and is still in progress. After I found out about the XXXX XXXX XXXX account, I contacted XXXX, the investigator at XXXX XXXX, after multiple tries, I spoke to her briefly after multiple attempts and told her of my findings and asked them to conduct a more in-depth investigation on this account which they refused. I still do not understand how a line of credit for an amount close to {$100000.00} was granted so easily in my name when there were multiple red flags that suggested fraud as the thief provided a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) considering XXXX have had my information in their records for over 14 years I have had my checking and savings account with them for all this time which could have been crossed referenced and questioned it. XXXX XXXX made a big mistake and now they expect me to undo their mistake and in the meantime my credit record has been ruined and my mental and physical health is been detrimentally affected. All I am asking is for a throughout investigation be conducted by XXXX XXXX who created this mess by not conduction their due diligence at the time of granting the credit and who now expects me to fix it. Please help
Product: Student loan

I went to enroll back in school after taking a break, and found out my loan wasn't in deferral anymore. I didn't know it was out of default which was a shock, then told to pay 9 months to go back to school. 

I was making payments to US Dept. of Ed. then was unemployed and fell behind. Tried to contact them found out they sent to their standard collection agency ( XXXX? Law Office ). The XXXX  law office never replies to anything, their reviews also say this online. When I received a letter from them, I wrote back that I was submitting the 2 payments a month ( double payments to catch up ) to US Dept of Ed previous address and they are cashing the checks. Never heard back. Then last years biggest tax return I have ever received in my life was kept by them.Put me in another financial hardship ( fixing cars, catching bills up, etc. ). 

I have been paying double payments since last year and received a tax form regarding the {$5500.00} amount I paid for student loan interest in 2019 for my tax filing this year. When I try to find a phone number to call US Dept of Ed it is difficult to find one regarding my account. I tried the default resolution group regarding tax returns being taken and it says I am still with XXXX  law office who I have never dealt with. I was calling to ask if my return ( if I even get one since I changed my filing after last year ) was released now, if I can go back to school since I am caught up and I can't get through. I even want to still make a payment a month while in school. I tried to file a complaint on their website and the information about what they deal with does not pertain to what I am complaining about. I just want my account cleared up and this XXXX agency never did squat for me to pay the loan once I had the money.
Product: Mortgage

Dear Sir/Ma'am, - XXXX 2014 we entered into the modification process with XXXX Mortgage and we were suddenly stop mid process and instructed to start the process fresh again with Ocwen. Over the years with XXXX we encountered endless loops of miscommunication and misinformation. This was very welcomed hopeful news to start a process with Ocwen but a personal setback to continue in this agony for my family. We were very hopeful concerning Ocwen and hope that this is was the answer to our hope and prayers to help keep us in the home we love with my wonderful family in need of financial relief. We endured 6 months of endless paper requests fulfilling every wish and need of Ocwen Loan Servicing XXXX # XXXX. 
- a few years back an unfortunate embarrassing event brought on by the demise of the housing investment market subsequently found ourselves in bankruptcy and we were struggling to remain strong as a family but we compiled our dignity back and have moved forward. As a result our marriage suffered but we struggled to rebuild our lives. I am a XXXX veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
We were declined after an exhausting process due to having been through bankruptcy a few years back. Which we had respectfully pulled our family through and now face the next step which is our primary home we have been living in. This was a fact Ocwen new entering into the process and continued the process for 6 agonizing months to dismiss us suddenly based on us having been through bankruptcy. A plan that has been in place and following for over 3 years. They were well aware of this and we have the financial means now to continue with a modification.