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

On XX/XX/year>, I booked a {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( advertised as {$79.00} with a {$10.00} discount for booking online ). The service included a XXXX XXXX XXXX XXXX, which I enjoyeduntil the end, when I was pulled aside for a high-pressure sales pitch. I was shown XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was overwhelming and emotionally upsetting. 

I was then pressured into signing up for a {$3300.00} loan through PatientFi for XXXX XXXX. I clearly told the sales rep I could not afford it, but I am not confrontationalI get shaky and nervous when I feel cornered. She even handled my phone herself and filled out the application to make it faster. I was given a bag of skincare products as a gift for signing up. 

On XX/XX/XXXX, I called the XXXX to cancel and was told I had to use email. I followed all their instructions, including sending photos of the unopened products, and was told I would receive a response in 48 hours. Instead, they denied the cancellation and claimed all sales were final. 

I then contacted PatientFi to dispute the loan and was told only the merchant could refund the funds. I was also told that if no payment is made by next month, the loan could be reported to the credit bureaus. I have blocked future bank withdrawals and submitted a formal dispute to PatientFi. 

Since this happened, Ive read XXXX reviews on the XXXX page from others who experienced the same thing. This appears to be a coordinated, manipulative sales tactic. I was left feeling taken advantage of, XXXX, and helpless. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All I wanted was a peaceful, relaxing treatment after a XXXX XXXX Instead, Ive been left with a financial and emotional burden I can not afford. I may even have to delay a XXXX XXXX XXXX just to pay off something I never truly agreed to. This situation is taking a toll on my mental health, my education, and my financial future. 

I am asking for this loan to be cancelled and removed from my credit. I trusted the wrong people, and I just want to move forward without this weight on my shoulders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your company 's negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to block and delete this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two XXXX  XXXX credit cards prior to XXXX ; between XXXX and XXXX throughout my divorce and adjusting to it, I became delinquent on the credit accounts that were not necessity as I also became a single mother. I did try to work with XXXX XXXX, but my hardships were not cared for through the protection I elected at the beginning of the agreement. However, portfolio recovery is the debt buyer who ultimately obtained both XXXX XXXX accounts in XXXX and XXXX. I am currently showing 3 portfolio recovery accounts, this company has never provided the verification of the debts owed - as well as it appears they are double reporting one of the XXXX  XXXX debts. When one of the balances were originally placed the balance was approximately {$600.00}, currently they are reporting one as XXXX XXXX  XXXX, XXXX. being the original creditor, and the other two as XXXX XXXX being the original creditor. But significantly impacting my credit with double hitting my credit since XXXX. I would like this investigated. They are furnishing incorrect data to the credit bureau and I really would not have known if I did not spend quite some time researching the internet high and low to figure out what XXXX XXXX   XXXX  XXXX. was ; let alone the fact that this institution no longer exists, yet they are attempting to collect the balance twice because of the bank name change between XXXX and XXXX XXXX. This harms my ability as a single mother to obtain the credit I need if needed, but most importantly is a negative impact to my credit score preventing me from qualifying for a home loan to buy a house for my son and I, in which I have no financial help of any kind in raising.
Product: Credit reporting or other personal consumer reports

I tried to fixed this so many time but still bureaus nit response. Please delete the following accounts and inquires now. Here 's the lists 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, XXXX XXXX ( " Creditor '' ) ran my credit report. I notified the Creditor this was in error. 
On XX/XX/19, the Creditor researched it and sent a letter to Equifax asking them to remove the hard inquiry. The Creditor advised me this would take up to 60 days, sending me a copy of their letter ( attached as XXXX XXXX ). 
On XX/XX/19, I contacted Equifax. Equifax told me to send a copy of the Creditor 's letter, which I did ( attached as Equifax ). 
On XX/XX/19, Equifax refused to correct the error. They advised me to contact the Creditor ( if I believe it was in error ).
Product: Credit card or prepaid card

I was changed an annual fee in XX/XX/XXXX ( approx. {$490.00} ) and Barclays closed my card in XX/XX/XXXX. I requested my annual fee be prorated since I am no longer eligible to use the benefits associated with membership but was denied. I spoke with XXXX ( XXXX ) who was a manager who refused to prorate the membership fee. I was told this was described in the terms and conditions but have been unable to locate the passage. I feel this is an unethical practice by Barclays, is very misleading, and may break consumer laws.
Product: Credit card

I have had a wells fargo credit cards for years with the same {$300.00} limit. Wells fargo refuses to increase the credit limit even though I have never missed a payment. I have many other credit cards from many different companies all of them have been open less time than the wells fargo card and every single card has a higher limit and has increased the credit limit multiple times. Every single account I have is in good standing. I have never missed a payment on any account. Every other account I have has increased my credit limit except for Wells Fargo. This is not fair from Wells.
Product: Money transfer, virtual currency, or money service

I made a deal with a guys whos name is supposedly XXXX XXXX whos paypal id XXXX to buy an iphone x that he was supposed to ship and it was supposed to be delievered on XX/XX/XXXX but it didnt come. I had already paid him XXXX for shipping and as a deposit but now he has completely gone ghost his number doesnt exist no more and his XXXX account is gone. He stole XXXX dollars from me
Product: Debt collection

ALLY FINACIAL, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX via CFPB case # XXXX be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I will not accept information from your data furnisher ( LCI ) who has refused to provide me with the " Method of Verification ''. LCI  is relying on " Matching Elements '' from XXXX, in which I have disputed and therefore requires them to contact the bankruptcy court to ensure the " Completeness and Accuracy '' of this record. TransUnion and LCI  has violated FCRA Section 623 ( a ) ( 1 ) ( C ) and 15 U.S. Code 1681s2 which states no personal shall report to the CRA inaccurate information. LCI  or TransUnion has not contacted the courts and continues to report this " Inaccurate '' " Unverified '' information to my credit file causing great damage. I have attached the letters from the courts who has certified that they " Do not report to CRA 's ''. If TransUnion and LCI  disputes this, please do so in writing. Lastly, as stated in my previous disputes, LCI has no " Permissible Purpose '' to have my " Personal Information in their database. I have requested the removal of my personal information in a certified letter and an email to LCI. LCI has violated the Privacy Act of 1974 by phishing information and sharing it without permission from the consumer it relates to.
Product: Money transfer, virtual currency, or money service

I attempted to transfer money via Venmo and my transaction was declined, the company was not able to give me a reason for this and now all my payments decline, they are unable or unwilling to unblock my account.
Product: Mortgage

Used my VA Certificate of Eligibility for mortgage on home at XXXX XXXX XXXX XXXX, DE XXXX. 

VA case number XXXX XXXX Shelter Lender loan XXXX XXXX Loan XXXX  LoanCare XXXX Loan number XXXX My then husband XXXX XXXX, was secondary. We sold XX/XX/XXXX. Payoff XX/XX/XXXX and Deed transfer to new owner. 
Problem XXXX : A lien was placed ( unknown to me ) released via XXXX XX/XX/XXXX. 

Problem XXXX : A XX/XX/XXXX letter about the recent lien clearance sent to the already sold property address with my name on it. I just learned this XX/XX/XXXX while ensuring my information was correct to buy another home. 

Problem XXXX : It appears LoanCare used a different address for mailing, my ex husbands, and transferred the mortgage/account to my ex husband as of XXXX for purchase of his home 7 days before that letter was mailed to the sold property addressed to me. He bought XX/XX/XXXX. 

Problem XXXX : LoanCare allowed ex husband to change access to online account. And there were other irregularities such as an unknown second appraisal Im now discovering. I was primary and not getting the specific info requested. What happened that there was a lien on my VA loan after payoff. And a HUD issue they will not explain. 

Last contact of 5 times with LoanCare was XX/XX/XXXX. 

Note : Have a family court date XX/XX/XXXX in Delaware against ex husband which may include this now. First need to confirm but their tone on phone says they know somehow my VA loan was used for ex home post divorce but say nothing. Hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : Advenir at the XXXX XXXX Acct # : XXXX and XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title XXXX Commerce and trade Chapter XXXX Privacy subchapter I - Disclosure of nonpublic personal information SEC. XXXX - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper  identification that it was me that requested the information. 

The following is just from XXXX  report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX  XXXX - XX/XX/XXXX -1 to XXXX Cap One -  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX   XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Product: Debt collection

On Sunday,     XXXX   XXXX  2016   , I received a notice in my door reminding me that my lease to  XXXX   XXXX   XXXX  would expire   XXXX   XXXX  2016   . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified  XXXX  in the leasing office that I would not renew the lease and had already made arrangements to move out.     I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from   XXXX   XXXX   XXXX   (  XXXX   XXXX  ), dated   XXXX   XXXX  2016   , as an attachment to this complaint. The expiration date on this documentation was falsified and  " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the  Security Deposit Disposition  as to when this was sent to collection (   XXXX   XXXX  2016     )  and the signature date that  XXXX   XXXX   XXXX  entered on the Lease Agreement Extension (   XXXX   XXXX  2016     ).      I disputed and requested verification of this collection item with  Fair Collections and Outsourcing  but their response brought no change. I was provided a breakdown of fees owed, shown in the attached  Security Deposit Disposition , but this information is also inaccurate. As shown on the attached  Security Deposit Disposition,  the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by  XXXX   XXXX   XXXX   (   XXXX   XXXX   ).  I am also attaching a copy of the lease I entered into at my new place of residence that began   XXXX   XXXX  2016    which again,  XXXX   XXXX   XXXX  was made aware of this.     I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with   XXXX   XXXX   XXXX  . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the  Security Deposit Disposition .   XXXX   XXXX   XXXX   (  XXXX   XXXX   )  fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all   XXXX   credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Student loan

I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.
Product: Mortgage

Re : Cheat on interest calculation I paid down my mortgage principal XXXX/XXXX/17 and they continue to charge me the same interest amount from XXXX to XXXX without the deduction of XXXX. I called them and find out they do this for all their customers and they did this for years. This practice needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send menotification of the actions taken. I appreciate your prompt attention to this matter.