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

I received a pre approved loan application from Rise credit in the month of XX/XX/XXXX. I applied for the loan in XXXX of XXXX. I was approved for the amount of {$4000.00}. I set up the payment process online which was already selected for me since I am paid bi-weekly. My payments are {$260.00} every two weeks. I noticed that my balance has not gone down. The balance shows that I still owe {$3800.00}. I called and emailed this company and stated that I have been on time with my payments and should be close to paying it off. I was told over the phone that I owe {$3800.00}. I said that is impossible when I have already made XXXX payments. I asked if there was a glitch in their system and the representative told me when the loan is paid off you will know. I am very upset and this does not make any sense to me. I need assistance with making sure that my balance reflects all the payments that I have made. I will NEVER borrow money out of desperation again. Lesson learned
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX advocate department and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.
Product: Vehicle loan or lease

I purchased a vehicle XX/XX/XXXX. I traded in a Traverse and purchased a Honda Civic. My payment for the traverse was due XX/XX/XXXX. I asked the dealership if I would still be liable for the payment of the XXXX  and they said if I was worried inshoudl call XXXX, that my loan was through, and cancel my payment. I did not cancel the payment because I didnt wasnt my credit affected negatively. I called XXXX XXXX  in XXXX  Ca on XX/XX/XXXX to inquire about my first payment dueXX/XX/XXXX for the Honda and left multiple messages, never getting a call back. On Saturday XX/XX/XXXX XXXX took another payment for my Traverse that I traded in. I finally got someone to answer my call on Saturday, they said theyd speak to their manager on Monday XX/XX/XXXX. At XXXX XXXX I drove the hour away to make my payment to the dealership because I have no other information as to where to make the payment. The dealership said Im out the interest that Ive paid on the traverse even though I gave it to them on XX/XX/XXXX. I cancelled the insurance on the traverse and as far as the DMV is concerned I still own the Traverse, my drivers license could be suspended because it doesnt have insurance. The dealership did not process my contract until XX/XX/XXXX according to them. How can they wait 45 days and make me pay 3 car payments for 2 cars? 1 I dont own?? I cant add a loan number or account number because I still havent received any paperwork stating I own the car!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681... Account Name... XXXX XXXXXXXX ... Account XXXX XXXX XXXX Account name.. XXXX XXXX  ... Account # XXXX ... Account Name... XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-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..
Product: Debt collection

Ive disputed this collection items several times and advised them that this is not my account. This account was falsely placed in my name. Ive never had XXXX XXXX XXXX I sent documentation of my current address and he current cable services I have at my home now
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - I wrote a letter to Calvary Portfolio Services asking them to provide where I gave written consent to share my information with XXXX, XXXX, and XXXX per 15 USC 6802. I rescinded my authorization whether it was given or not given and gave them 30 days to correct this issue on my credit report. 

I also notified them of reporting transaction history per 15 USC 1681a, stating that that shall not be a part of the consumer report. They have reported XXXX missed payments. Which according to 15 U.S. Code 1681n - Civil liability for willful noncompliance, totals to approximately {$17000.00} for this violation PER report. 

I have not heard back from them regarding this issue and it has been over 30 days and it's still showing on my credit reports.
Product: Credit card or prepaid card

I am a consumer and I feel that my federal consumer rights have been violated. I heard that they ( Discover ) don't follow the CFR from what I see. On XX/XX/XXXX I mailed my payment out certified with a due date of XX/XX/2021. I thought that was plenty of time to credit my account. Unfortunately, I was shocked when I received the bill that was due the following month. So I called after I received the bill to make sure the payment was received via certified mail ( see attached ). The representative said they didn't receive any payments yet. So, I mailed a billing error notice statement on XX/XX/2021, to find out why my account was not credited via the payment that was send almost a month before. I have attached a copy of all that was sent in XXXX, please review.
Product: Checking or savings account

I have received direct deposit from my job every XXXX XXXX XXXX XXXX  EST for the past couple of months ( it used to be XXXX but that changed around XX/XX/XXXX ). My Wells Fargo checking account was overdrawn {$88.00} on XX/XX/XXXX and I was notified at XXXX XXXX EST, that morning. I get paid at XXXX XXXX EST every XXXX, so I knew my direct deposit would post and clear because it always does. Upon me getting off of work at XXXX XXXX EST ( XXXX XXXX  ), I open my Wells Fargo checking account and my direct deposit was posted and AVAILABLE and the overdraft I fees I incurred were cleared. I went ahead and paid my bills. After I paid them, and before I went into my work building at XXXXXXXX XXXX EST XX/XX/XXXX ( XXXX XXXX ), I looked at my Wells Fargo checking account and there was an available balance of {$160.00}. When I got off of work the following morning at XXXX XXXX EST ( XX/XX/XXXX, Friday ) I opened my Wells Fargo banking app and my account was - {$60.00}. I knew this couldnt be right so I checked my past activity on the account. It was suddenly saying my direct deposit had just posted that morning ( XX/XX/XXXX ) and not XX/XX/XXXX like had been shown originally. I called Wells Fargo customer service twice and was met with rudeness and no resolution. Wells Fargo is saying that the payment did just post on XX/XX/XXXX and my account had been negative since that XXXX ( XX/XX/XXXX ). I had been sent a notification email that my account was negative XX/XX/XXXX at XXXXXXXX XXXX EST, which I did see. However for every time I overdrafted my account from that point, I never received a notification, no email nothing since XXXX XXXXXX/XX/XXXX and it has been two days since the last time I was made aware my Wells Fargo account was overdrafted. Now Im not sure if anybody else has Wells Fargo, but usually you receive an email with all the information of the payments withdrawn. I did not receive one until after I got off the phone with customer service the first time on XX/XX/XXXX and pointed out that something wasnt adding up. Then they said I was a part of the XXXX XXXX XXXX but the company had not posted it andit just did not make sense. I feel that Wells Fargo is definitely doing something fraudulent and are just giving people the run around while taking their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

Hard inquires Transunion XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 an account without my written instructions. 

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX started XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for XXXX  XX/XX/XXXX received notification for no payment though XXXX  bank statement showed other wise Contacted Support and they blocked my login closed my account Reported to XXXX  XXXX XXXX XXXX XXXX about the difference in credit scores between XXXX Experian XXXX Not resolved. The scores are still different I placed XXXX year freezes since XX/XX/XXXX XXXX notified me of another breach this relationship with XXXX XXXX Business accounts and commercial partnership SSN on the dark web Insurance and Driver 's license. Under this report stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN  and XXXX XXXX XXXX XXXX TN XXXX reported breach XX/XX/XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX phone number XXXX land line XXXX. 
XXXX reported breach XXXX XXXX by XXXX XXXX SC  XXXX XXXX XXXX XXXX XXXX SC  XXXX XXXX XXXX XXXX XXXXXXXX SC  XXXX XXXX with XXXX XXXX XXXX XXXX SC  XXXX XXXX insurance Benificiary accounts Health insurance changed without knowledge consent or authorization XXXX XXXX account had sim swap that took place with a added Email tracker placed on my device XXXX XXXX XXXX XXXX  made changes to my account and was not authorized to do this a XXXX XXXX is listed in XXXX  a path under my account as we speak I have a XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX showing up under my XXXX XXXX pay. XXXX  I tried reopening once I received my new device however with my new XXXX XXXX bank account opened kept popping up a number unknown same thing on my XXXX XXXX bank account XXXX SC  opened XX/XX/XXXX. I have received notice of XXXX deposits NOT reflecting in my XXXX  account. My credit card builder at XXXX  is listed as XXXX XXXX  XXXX debit card savings account listed as XXXX XXXX XXXX, then apparently I have a secured account in which I have assets however can not receive information related to it where it is or which bank institution partner of XXXX is holding these assets. I have disputed XXXX charges that I don't have nor do I have access to XXXX and XXXX XXXX charged were made I didn't and couldn't have made were charged, Along with XXXX payroll checks denied due to the post date however when I deposited it was a reverse payment applied by stop a minute nobody can explain this my phone XXXX kept showing up under a XXXX XXXX and over XXXX dollars saved in the XXXX  app was transfered the XXXX  team once again just blocked my access and closed the account as a solution. I don't know what kind of XXXX bank is participating however retaliation and dilebarte interference and locked assets results from this I am showing a XXXX dollar loan or line of credit I have no idea where this is what account but it isn't mine. I'll never be able to accomplish operating a entity with this XXXX allowed also XXXX XXXX  is showing up on my device also however denial of any accounts relationships etc with me?
Product: Mortgage

We have been requesting since XXXX 2016 a total account of the money paid for mortgage and also in our escrow account. We have sent a certified letter to Wells Fargo and they stated we had to go to their lawyer because we are appealing a summary judgement to keep our home. The lawyers after sending them a certified letter they stated we needed to request the information from Wells Fargo. It appears no one wants to give us an account of our money which is our legal right.
Product: Debt collection

XXXX XXXX Attorneys XXXX XXXX XXXX XXXX representative contacted me Via telephone to inform me about a payday loan debt in the amount of {$2200.00} from THE CHECK CASHING STORE. I asked the caller to show me documentation that debt belongs to me. I ask them to provide dates when alleged debt was issued. But the caller replied angrily that if I didn't pay the debt they will report it to the credit bureau. That's exactly what they did, and the collection debt was updated in my credit report on XX/XX/year>. Totally ruined my credit health
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account on my credit report in the amount ( s ) of {$500.00} XXXX XXXX and {$820.00} XXXX XXXX XXXX  I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent account and any related finance charges and other charges from my account, send me an updated and accurate statement, and close these accounts. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. I have already contacted the companies that issued these accounts, and as part of the process, I am reaching out to you kindly asking for these accounts to be removed immediately. Attached is a copy of my Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Factual Inaccuracy Dear Equifax Information Services , LLC I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXXXXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information. 

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit card

Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ' card that we used for years at retailer, specifically XXXX grocery stores. Presumably, there is funds to be used for my now XXXX child. I am unable to get any information on the balance of this account. The phone number only verbally redirects to websites. The website isn't useful. Online support takes over a month. 

Online searches indicate this company may be a scam, and that seems consistent with my experience so far. Taking money and not paying out or disclosing details seems to be a fraudulent activity.
Product: Debt collection

Our family is experiencing financial difficulties. We fell behind on some payments. 
Citibank calls all day every day, from XXXX XXXX up until close to XXXX XXXX. They are the first call every morning. 

My father has XXXX XXXX and takes a lot of medicine. The frequent calls bother him very much. 

We are aware we are behind in payments. We don't need a phone call to remind us. When we are back on track, we will resume payments. Until then, we don't need the harassing phone calls EVERY DAY, including Sunday.
Product: Credit card

First Progress secured card. I closed the account XXXXthe deposit was XXXX said they would send a check. I keep calling they keep saying they're going to send it. But obviously they have not sent it. I keep calling they keep giving me a run around.
Product: Consumer Loan

TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. 
I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX