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

I took out a loan for {$1000.00} to catch up on my bills almost four months ago I have paid between XXXX so far. So the money has already been paid back. but I looked into the fine print and according to them I will have to pay back over XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and Equifax XXXX, are as follows. While I disagree with my XXXX  and Equifax reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX   reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX05C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX XXXX XXXX reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore XXXX XXXX should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, XXXX XXXX has violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

MyGreatLakes lender keeps inappropriately allocating my payments. Every month I make the minimum payment due plus an excess amount and I ask them to allocate the excess amount 100 % to the 'unpaid principle balance ' of a sub loan that Ive chosen. Instead they continue to NOT do this and place the excess amount towards my next due payment, thus delaying when I have to make the next scheduled payment and failing it apply it directly towards the 'Unpaid Principle Amount. ' When I then talk to them on the phone about this mistake they give me false information and a run-around conversation tactic claiming they do n't know how to explain this too me and refuse to fix the issue. They continue to tell me, there is no on else available to talk to, and they end end the conversation with me, saying that they are finished talking to me, and place me to a voicemail. When I searched the name of the finance manger whose vociemail they connect me to it dose not even show up on XXXX, which leads me to believe that this is a fake person : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XX/XX/2019 {$230.00} XXXX XXXX Reported : XX/XX/2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

KickOff Lending is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.
Product: Checking or savings account

On or around XX/XX/XXXXXXXX   I applied for a credit card with GOLDEN 1 credit Union. The bank asked me to verify myself by going into the branch with proof of ID, residency and taxes. 

On XX/XX/XXXXXXXX  i did just that. I visited the branch and met with the personal banker ( see attached business card/docs ). The rep XXXX XXXX ( member XXXX XXXX  XXXX ) assisted and verified that the " BACK OFFICE '' received all requested docs. 

Since then the bank closed my acount. I have called repeatedly and I keep getting told my remaining funds will be sent within 7-10 days. This was before XXXX ( the new year ). I called recently about 2-3 days ago and I was told " XXXX XXXX XXXX DECIDED I AM NOT ENTITLED TO THE FUNDS IN MY ACCOUNT '' and told me to contact the people who wrote me the checks to file a claim with theiir bank. HOWEVER< these checks have been cleared and negotiated back in XXXX and XXXX XXXX and one check was a cashiers check which CAN NOT even be claimed once cashed. 

I WANT MY REMAINING FUNDS SENT TO ME ASAP. It is illegal what this bank is doing
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was past due at the end of XX/XX/XXXX. I was able to make a payment to satisfy the debt after making an agreement with the company to remove the tradeline once the payment was made. I made the payment, but they never removed my tradeline ( bait and switch ). Also, they last reported me as late as of XX/XX/XXXX, and charged-off on XX/XX/XXXX. At that point in time, I already made my payment to satisfy the debt. XXXX needs to honor what they said they'd do.
Product: Credit reporting or other personal consumer reports

After seeing the bank statement, I now understand why there is a negative balance. I was a victim of XXXX, and cell phone port out hacking.. I had charges from that company on all my credit cards and debit cards. Because I was under the impression that my account at XXXX was closed, and did not have access to it, i didn't know they charged that account as well. as you can see there was a positive balance of {$49.00} until those fraudulent charges from that scamming company took place. If again, XXXX had closed the account when request, or even if I had access to the account I would have seen these fraudulent charges and disputed them like I did with all of my other credit cards and bank account that I HAVE. All of my other credit cards and accounts were able substantiate this company as fraud and successfully disputed the fraudulent charges from " DONATION SUPREME SNEAK, in XXXX of XXXX, I was in the hospital with severe medical issues, so I never received any of these notifications, however, if i was able to access my account through the app on my XXXX I would have seen these fraudulent charges, and responded accordingly. These charges need to be addressed as fraud and handled accordingly. Again, I will forward this to the attorney generals office as well. It is against the law to charge some one over draft fees for fraudulent charges, it is also against the law to report to the credit charges and negative activity, due to fraudulent charges. And is this instance that is exactly what XXXX is doing. I have letters from my other financial institutions that had charges from XXXX XXXX supreme is a scam company and the charges were fraudulent. Available upon request.
Product: Mortgage

I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective  XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until  XXXX / XXXX / XXXX , then started again  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment.  Well  that 's  XXXX  because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.
Product: Payday loan, title loan, personal loan, or advance loan

I called XXXX XXXX XXXX and XXXX they finally told me someone at the job got in trouble for it and sent me a paper saying the loan was completely paid off and full thanks for doing business with us if you want anymore loans from us contact or office, stopped taking payments out my account for a month then started back trying to take money out my account XXXX  days later.
Product: Payday loan, title loan, or personal loan

I need to add to my old complaint, ( XXXX ) a advisable conflict, that the one main representative who prepared this predatory loan for me, is also the same personnel who prepares my income tax. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report. 

Name of Alleged Creditor : XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I have paid my kohls credit card off but not showing paid. I have also paid my XXXX credit card off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.
Product: Credit card or prepaid card

XXXX XXXXXXXX  {$50.00}, {$20.00} transfer into cash app.minus XXXX Unauthorized charges. XXXX for {$19.00} XXXX for {$49.00} Disputed, {$19.00} + {$8.00} XXXX returned and withdrawn on XXXXXXXX. XX/XX/XXXX, my daughter transfers {$30.00} to my cash app. I go to XXXX XXXX to use it and both {$7.00} charges trying to get cigarettes declined+ {$5.00} XXXX XXXX/ @ XXXX XXXX. Also declined was a charge for {$29.00} @ XXXX XXXX I did not make, It was thankfully declined because I only got {$29.00}, after fee. I messaged cash app ever since. Can not get my {$30.00}. XXXXXXXX, {$4.00} from XXXX declined. XXXX XXXX, I received {$20.00} to help pay for gas. I only was able to use $ XXXXI am missing {$30.00}, {$4.00} and {$16.00} since XXXX. I was just credited the {$49.00} from XXXX On XXXX XXXXLooking on my statement there is another charge from XXXX for {$49.00}, that I did not do on XX/XX/XXXX on my statement, but not on my feed. W/ same ID : XXXX. Statement does not show all of my declined transactions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a late payment that appears on my credit report provided by TransUnion. Despite my efforts to resolve this matter directly with the credit agency, I have not received a satisfactory resolution. 

The late payment in question is associated with the account from XXXX XXXX XXXX ( or the exact name of the entity, if different ). Although I made the payment on time, it is being reported as late on my credit report. I am seeking to correct this inaccurate information and have the " late payment '' entry removed from my credit history. 

Details of the Dispute : Name of the entity : XXXX XXXX XXXX ( or other entity ) Date of the payment reported as late : [ Exact date of the payment ] Amount involved : [ Amount ] Account number : [ Account number ] Reason for Dispute : I made the payment within the required timeframe, but it is incorrectly reported as late on my credit report. I have attempted to resolve this directly with TransUnion, but their investigation results indicated that the information reported by the creditor is correct, which I believe to be an error. 

Given the situation, I respectfully request that the CFPB intervene and assist in removing this incorrect information from my credit report. I would also like to know what methods and verification processes TransUnion used to verify the accuracy of the reported late payment. Please provide the specific details of the process and any supporting evidence that was considered in the investigation. 

Furthermore, I would appreciate it if you could confirm whether any laws or regulations protect my rights in this matter. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information and ensure that their credit reports are accurate. I trust that the CFPB will help facilitate a resolution in line with these protections. 

Enclosed are the relevant documents supporting my claim, including previous correspondence with TransUnion, as well as any other evidence that substantiates my dispute. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution and remain available for any additional information or clarification you may require.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With the Fair Credit Reporting Act XXXX  Account # XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.