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

I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal? 
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation. 
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card or prepaid card

I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.
Product: Mortgage

I need my mortgage modified so I can have a lower payment and based on my income. I requested from my mortgage company Ditech XXXX XXXX a mortgage modification and submitted my financials several times. They said to me I've had several modification which is not true. 
I have not received a modification in the mail. I'm elderly and I don't want to loose my home. I also take care of my XXXX sister.
Product: Credit reporting, credit repair services, or other personal consumer reports

See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. Experian and XXXX  need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect XXXX  and Experian to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Consumer Loan

I was contacted on XXXX XXXX, 2015 in regards to a past due payment. I notified the gentleman on the phone that I had scheduled a payment through their online system to come out XXXX XXXX. This gentleman said that he had no record of a scheduled payment, and that I needed to set up a check by phone. I agreed as long as the payment would not be taken out twice, as well as discussed a plan to bring the account current. On XXXX XXXX, both payments were taken out of my account, overdrawing my bank account to the tune of {$500.00}. I contacted Chase and the rep I spoke with sent me through XXXX tiers of management and promised me a call back about a refund that needed to be approved. I called today to find out what the status was, and was informed that, even though they took the second payment ( I only authorized ONE payment ) it would put the account past due and they would not issue a refund. I expressed my concern with this, as I still sit here {$500.00} overdrawn in my bank account, and was basically told, on the bright side, your account is current. No offer to rectify the issue that THEY took a second payment that I did not agree to.
Product: Debt collection

To whom this may concern, I have reported invalidated information numerous times. This showing on all my credit reports are against state and federal laws. XXXX is unable to provide any proof as my XXXX  loan was never with them. FDCP ACT 15 US CODE 1692
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. 
This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX BANK XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In late XXXX, my checking account was compromised. I had to change all account numbers. I contacted Truist Bank to explain this and provide the new account number. As my payments were automatically deducted, I was sent a new authorization form. I completed it and returned it. But I made a mistake and, probably because of the way the form is worded, and authorized the bank to take XXXX  the amount of the mortgage. The additional money would go to pay the principle. When I realized this in early XXXX, I contacted the bank to correct the error. The person managed to have the additional payment returned to my banking account quickly. She said I would receive a new authorization form. This never arrived. So I put my mortgage payment on the list of bills I pay through my bank. Instead, on XX/XX/XXXX Truist obtained again XXXX  the amount I want to pay every month. ( See my bank statement attached below ). The problem was not fixed and I will have to spend another day of my life trying to get them to fix it. They are an incompetent and frankly loathsome organization. They do not have enough competent employees and I suspect half are not literate. They have far too much business to do any of it competently.
Product: Debt collection

According to FCRA section XXXX it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXXXXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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: Bank account or service

I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.
Product: Credit reporting or other personal consumer reports

As a XXXX trafficking victim I am requesting to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have contacted Experian, XXXX, and XXXX who have not accepted my documents as proof of XXXX trafficking. I am required to provide documentation such as :. I XXXX, XXXX, or Tribal governmental entity that confirms a consumer is a victim of trafficking. 
ii. Non-governmental organizations ( XXXX ) authorized by a XXXX, XXXX, or Tribal governmental entity may also make such a determination.

b. What must the Victim Determination include?

i. Must confirm that you are a victim of trafficking as determined by court documents. Without court documents, the Victim Determination can also be a signed statement by you, attesting that you are a victim of trafficking, so long as the statement is signed by a Federal, State, or Tribal governmental entity, or a XXXX authorized by a Federal, State, or Tribal governmental entity. 

I have provided documentation from the XXXX of the XXXX of California confirming my participation in the " XXXX at XXXX XXXX '' who protects victims of XXXX trafficking from their abusers by providing an address so they can not be found. This is documentation provided to me to show all agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, TRANSUNION, XXXX XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Product: Credit card or prepaid card

I made a purchase from Amazon.com and later returned approved merchandise which was eligible for a full refund. I returned all items in order XXXX on XX/XX/XXXX totaling {$150.00}. I have my receipt proving my return from XXXX, I have copies showing Amazon says I got the refund, I was advised to file a dispute with my credit card company to get the funds returned. I won the dispute on XXXX and it is also documented. The credit card acknowledged via chat on XX/XX/XXXX they knew I won the dispute. I have contacted the credit card company on 7 different occasions with all the necessary documentation and Synchrony has not credited my account back for the missing funds. They told me to wait 90 days. Amazon said I was supposed to receive my funds back in 3-5 business days. At this point I consider the money stolen by the credit card company. It needs to be returned as I have long ago returned my merchandise. This is not acceptable.
Product: Credit reporting

I am very confused by what is being reported by Equifax. They have a XXXX account with a balance and payment status that is wrongggg! I have proof that its paid off and not past due at all! I want this fixed right now! I also see that they are reporting my XXXX mortgage as currently past due but there is no payment history reporting at all! How can this be past due????? I am so confused and frustrated here. This has to be fixed now!
Product: Credit reporting or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. Equifax had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting Equifax to provide such documentation used to determine such inquiries were indeed authorized by such consumer, Equifax has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if Equifax does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. Equifax is liable under the SEC to follow certain rules and guidelines. Equifax commission file number XXXX, 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 I will be filing form 211 treasury omb forms to audit consumer account due to the fact Equifax are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.
Product: Debt collection

I have gotten several phone calls to my cell phone from a company called " USI Solutions '' calling from number XXXX and XXXX. The people that call say that they are collecting on a debt I have with XXXXXXXX XXXX XXXX  XXXX. I have no such debt that is owed and the representative treated me very rudely and started telling me about payments I allegedly made on this account back in 2009. On XX/XX/XXXX, I answered a call from XXXX from USI Solutions and told the person on the line that I didn't own the debt, and asked them to stop calling me. I used the phrase " cease and desist all contact '' and then asked to speak to a supervisor and repeated my request to " cease and desist all contact ''. Then, today, XX/XX/XXXX, I received a call from USI Solutions ( XXXX ) and I again repeated my request for them to stop calling me and told that I didn't owe the debt. The representative transferred me to several other representatives that taunted me and said that they would continue to call and that only written requests to stop calling would be honored. I requested the company 's mailing address information several times and the representative wouldn't give it to me and instead tried to convince me that I owed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XXXX XXXX2020, a derogatory mark was added on my credit report per XXXX XXXX from Radius Global Soultions and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX  to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.