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

I applied for the loan XX/XX/2023 was paying the amount of {$74.00} back until I went on XXXX XXXX XXXXXXXX with my job which means my pay is cut as well. I reached out via email XX/XX/XXXX from a response of them stating that they needed to hear from me and that they are here to help. I asked what I can do. Unfortunately, they did not offer any sort of assistance and also continue to charge my account in which there is no money in it. I also notice on the contract of a Wage assignment in which they take 15 % of your check and it shows that it is voluntary. I sent a certified letter to revoke this option as this is XXXX XXXX. They do not help if anything they double charge the interest for a {$300.00} loan and you end up paying over XXXX of the whole thing. I've also attached the letter I sent as well as the information stating that the wage assignment can be terminated at any time.
Product: Money transfer, virtual currency, or money service

I completed on a house sale in the XXXX and my lawyers bank in the XXXX sent the proceeds to Citibank for credit to my account at XXXX ET when the XXXX was {$1.00} all day. Citibank failed to credit my account until the following day when the XXXX had collapsed t {$1.00} costing me over $ XXXX. They had my money in their account for over 24 hours before crediting to my account. I am asking they backdate the transfer and give me the previous days rate. Their inefficiency has left me materially out of pocket and they refuse to take responsibility despite acknowledging they had the funds all the time. Please tell me this can not be right or legal.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint about what I believe to be predatory lending practices by American Express . My experience with the company has been deeply troubling, and I feel that their lack of transparency and misleading communication regarding the terms of their charge card has had a significantly negative impact on my financial situation. 
I was issued an American Express Gold Card with the understanding that I could make purchases up to my available credit limit and pay them off monthly. At no point during the application process or while discussing the terms of the card did American Express clearly disclose that the charge card requires the balance to be paid in full each month, as opposed to simply making minimum payments like a traditional credit card. 
One of the most egregious aspects of my experience was when I made a significant purchase for {$50000.00}, based on American Express 's communication that as long as I made payments at the end of the month, I could continue making purchases of that size. However, American Express did not make it clear that the {$50000.00} charge needed to be paid in full at the end of the month. I was under the impression that, like a regular credit card, I could make payments based on my balance over time. 
This lack of clarity led to an unexpected and drastic drop in my credit score as I was unable to pay the full balance immediately, which caused my Amex Gold account to go from being in good standing to nearly nothing within a month or two. The companys failure to disclose the full terms of the charge card, including the requirement to pay off the balance in full each month, seems not only misleading but predatory.

American Express 's actions have had severe financial consequences for me, and I feel that their practices are deceptive, targeting customers who are unaware of the specific conditions tied to the charge card. I request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to protect consumers from such deceptive and predatory practices.

I look forward to your prompt attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for further information or clarification regarding my experience.

Thank you for your time and consideration.

Sincerely, [ Your Full Name ] Feel free to personalize and adjust any details. This letter should clearly communicate your complaint while also calling
Product: Credit reporting, credit repair services, or other personal consumer reports

AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX  ACCOUNT 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
Product: Debt collection

They sent me a court document XX/XX/XXXX stating that if I didnt show up to court XX/XX/XXXX they would start XXXX my paycheck. When I received my pay on XX/XX/XXXX they had taken XXXX out of my paycheck. I couldnt even pay my rent. His is this legal when court date hasnt even arrived?
Product: Debt collection

Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies
Product: Debt collection

I was an  XXXX   XXXX   XXXX  customer for several years before, on their suggestion, I switched to their  XXXX   service ( after th ey had bought  XXXX   ). I kn ew I was moving in around a year, so I vehemently asked and asked about early termination fees, and was told I was n't subject to them because I was already a customer. I was required to pay some of the installation fees over the phone then. When technicians visited my home to perform the install, I once again asked about early termination fees and was not told of any. After they installed the equipment, and after they charged me the final installation fee, they then asked me to sign their agreement on their electronic device. I once again asked about early termination fees, and they said none.     Fast forward a year, I request to close my account because I 'm moving. My bill comes with a {$340.00} early termination fee. I disputed this with  XXXX  and  XXXX   XXXX   XXXX , wrote a letter to their Office of the President, and was finally told they would n't reverse the early termination charge. They even told me they 'd just draft the money from my bank account I had been using for autopay, even if I removed it from my account and after I, in writing, told them they were not authorized to draft from my account. They still tried.     I heard nothing for several months until  XXXX    XXXX   when they handed the account off to Diversified Consultants (  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL,  XXXX , (  XXXX  )  XXXX  ) who I never received any statement or letter of debt from, nor any phone calls. I would not have even known this was a " collection account '' if not for checking my bureau.     I do not owe this debt, I have reported it to the FTC for deceptive business practices and my  state AG. I will  be filing a lawsuit against both  XXXX   XXXX   XXXX  and  Diversified Consultants.      *Attached is a certified letter sent to  XXXX   XXXX   Office of the President  .
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter XX/XX/2019 asking " WF DEALER SERVICES '' to provide me with A verification letter about A loan showing on my credit report XX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because Wells Fargo Dealer Services is reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Experian. I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request Experian be held liable for any damages and penalties as provided for under the FCRA. 

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

Check attachments provided
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  AND XXXX  XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a letter with a reference number as well as my name and address stating that it was from the Best Buy Credit Services saying that a recent credit card application had been declined due to " insufficient accounts '' and that I should call if I have any questions regarding this. Of note, I later called and it asked what SSN was tied to the account and I gave my SSN unfortunately. It was all via the touch pad/key pad and placing numbers in. No live person was a part of this. 
The also listed XXXX and it's information. 
As it turns out, the XXXX information was correct but the Best Buy address listed and telephone number listed were all incorrect when I XXXX  it later. 
I have since called XXXX and no credit card or application had been attempted or applied for on my account and I have placed a one year fraud alert to my account and requested my credit report. 
I also have a credit monitoring service such as XXXX and I have alerted them to this issue.
Product: Mortgage

My home mortgage has been serviced by Loan Depot, and I was paying each month by automatic bank transfer.

Yesterday ( XX/XX/XXXX ) I received a mortgage statement in the mail from a new company, XXXX XXXX XXXX, indicating that I was already late on a payment. It seems that Loan Depot sold them my mortgage without my notification. Calling Loan Depot, I found that they had sold my loan only 15 days before the new mortgage was due at XXXX XXXX XXXX.

Upon further investigation, I found that Loan Depot had cancelled my automatic payment without my prior knowledge or authorization. As a result, I am delinquent on 1 month of mortgage payment without any fault of my own.

I have the following complaints : 1. Loan Depot canceled my automatic bill payment without notifying me, thus making me delinquent on a payment without my knowledge.

2. Loan Depot sold my mortgage without providing 30 days notice of the effective date of transfer. ( From my discussion with XXXX, a Loan Depot representative, their records indicate only 15 days notice, occurring XX/XX/XXXX ) 3. Loan Depot did not inform me of this change, as I did not receive a notification letter.

4. Loan Depot has an automatic phone system that will not allow me to call them to speak to a representative. The system recognizes my phone number, informs me that the account has been transferred, and hangs up. In order to speak to them, I had to use someone else 's telephone. This is just one example of extremely negligent customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate.

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Money transfer, virtual currency, or money service

I sold a genuine XXXX purse through the Mercari platform. Unfortunately, while the item was in transit to the buyer, they unexpectedly cancelled the purchase. Subsequently, Mercari suspended my account, restricting my ability to contact the buyer or resolve the matter directly. Upon reaching out to Mercari for assistance, I was informed that my account had been suspended due to allegations that the XXXX  purse I sold was non-authentic. To my disbelief, Mercari proceeded to refund the buyer without my consent or proper investigation into the authenticity of the item. I vehemently refute these claims of inauthenticity and possess ample evidence to substantiate the genuine nature of the XXXX purse in question which I have already provided them with. Despite providing Mercari with proof of authenticity, they have failed to assist me in retrieving my confiscated property. It is deeply unjust that Mercari has acted unilaterally in favor of the buyer 's unfounded allegations, resulting in the confiscation of my legitimate property and financial loss. Furthermore, their refusal to engage in a fair and transparent resolution process is highly disappointing and unacceptable. As a consumer, I implore the Consumer Finance Department to intervene on my behalf and compel Mercari to rectify this unjust situation. I am requesting the immediate reinstatement of my account privileges, the return of my authentic XXXX purse, and appropriate compensation for the damages incurred as a result of Mercari 's wrongful actions. Thank you for your attention to this matter. I eagerly await your prompt assistance in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. 
If XXXX XXXX XXXX does not comply, you shall be fined for {$100000.00} ( Per Violation ) for noncompliance under the Gramm-Leach-Bliley Act and this matter shall be resolved in Federal Court if thats what it comes to! with prejudice!
Product: Mortgage

Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!
Product: Debt collection

THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

called company and spoke with a Supervisor regarding my credit report showing a late payment in XX/XX/2017. This was during the time XXXX hit the gulf coast/XXXX area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.