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

I took out a loan with a big picture loans needing some emergency cash not realizing that the interest rate was over 450 % which is illegal. I have had this loan since XX/XX/XXXX making payments of {$430.00} a month since XX/XX/XXXX and my balance is still {$1400.00} according to a payoff amount as of today XX/XX/XXXX months later after paying well over {$1500.00} and interest already. This company uses illegal predatory practices to prey on consumers.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX ) XXXX XXXXXXXX Account XXXX is : # XXXX XXXX ) XXXX XXXX XXXX  Account number is : # XXXX XXXX XXXX XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX Account Number is # XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My loan was transferred from XXXX  XXXX  to Loancare Services effective XX/XX/20. 
I was setup on auto draft with XXXX  XXXX  but after transfer to loancare, there are no clear guidelines as to what is the process for me. I was waiting for the draft to happen but it did not occur till XX/XX/20 so i went ahead & made a one time payment of my monthly installment. Today on XX/XX/20 i see auto draft as well as the one time payment which i made on XX/XX/20. All these days i have been trying desperately to speak to a customer service rep but it is impossible to get help. Today i called XXXX XXXX for help & spoke with one of their customer service rep XXXX, even she could not get the representative from Loancare Services on the phone for me. I am frustrated with this kind of service, please help
Product: Credit reporting or other personal consumer reports

This is formal notice that you have failed to respond in a timely manner to my dispute Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

On from filing it date XX/XX/XXXX with the complaints about on XX/XX/XXXX of XXXX I requested for an investigation do be done on the accounts provided below. It is now XX/XX/XXXX and I have still not received any information regarding to my disputes I have kept meticulous records of all communications sent. 

With my understanding that the FCRA requires credit bureau 's to respond within 30 days of notice of the investigation. With this being said they have failed to do so and are in complete violation. I want all accounts listed below to be removed from my credit report due to the blatant violation to the FCRA. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX as agreed on time I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized hard inquiries from my credit report. On XX/XX/year>, I purchased a car from XXXX XXXX of XXXX, and they were authorized to run my credit once. However, I recently discovered that they conducted XXXX hard inquiries, including inquiries to XXXX XX/XX/XXXX 

I believe that XXXX of these inquiries, specifically those made to XXXXXX/XX/XXXX, and XXXX XXXX, are fraudulent and unauthorized. I did not provide consent for these inquiries, and I request that they be removed from my credit report immediately.
Product: Credit card or prepaid card

I had purchased a XXXX from XXXX in to be shipped to my house. My card was charged the {$430.00} on XX/XX/XXXX. As of XXXX the company had still not gotten the item to me in working order. It was delivered broken I tried to initiate a return on 4 occasions and each time the return was cancelled and no one picked up the item each time I was given multiple and conflicting stories about what actually happened. I finally voiced my concern that they were only delaying the process to get beyond a return window to deny the return. I informed them I would contact my bank US bank and card to dispute the charges. I completed the process and XXXX sent them false information about never having received a return. on or about XX/XX/2021 I was called and told the reversal of charges was going to be reversed and that XXXX said I could return the item. I asked for documentation of that and US bank sent me a copy of a fax that stated something to that affect. I then tried to initiate a return again with XXXX which as I predicted was denied because it was beyond the due date. US bank is no longer Returning my calls or emails. I sent them Screen shots from my computer documenting everything I said. I followed all the steps to dispute a charge and I am left without my money and without a tv. I was basically robbed by XXXX with the assistance of US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

1.I am from XXXX KY XXXX I noticed some unauthorized transactions from my Bank of America credit card starting from XX/XX/2021 to XX/XX/2021 in XX/XX/2021. The total amount is {$1500.00}. I immediately called the Bank of America credit card fraud department to report the fraud claims on my credit card. They agreed to give temporal credit to my account and do further investigation. After XXXX week, BOA credit card company mailed me some forms about this issue. I filled out and sent the forms back. 
2. BOA credit card fraud department sent me a letter denied the fraud claims in XX/XX/2021. The reason was because the fraud transactions were repeat charges. They were apparently telling lies because I never purchased anything from XXXX store, XXXX XXXX, XXXX. XXXX XXXX, and XXXX XXXX XXXX MN and etc. So, I called the BOA fraud department again. They asked me to collect some details on the purchase transactions ( that was supposed to be done by its own fraud investigation team ) and agreed to re-open the case. 
3. I made lots calls about the fraud purchases and mailed back the details I collected from the stores or companies. XXXX month later, BOA denied again and said I authorized somebody to use my card. I felt insulted by BOA 's irresponsible remarks. To tell the truth, I have no idea and don't know any of those names and addresses. 
4. I went to local BOA branch in XXXX, KY. When the associate carefully examined the materials I provided and affirmed that those purchases were made by some unauthorized person. He also helped me faxed all the evidence to BOA fraud department. But I received the mail from BOA stated their decisions remains the same and unable to credit my account. Ironically, this time they denied the dispute for no reason. 
I am so angry and disappointed at BOA. Would you please help me with this issue? Thanks.
Product: Checking or savings account

I opened an account and followed the steps to receive a {$400.00} bonus but it was never deposited. I have reached out to the company via phone twice and chat twice to resolve this issue and they tell me the money will be in the account the following week and it is never deposited.
Product: Credit reporting or other personal consumer reports

Best Buy/CNA notified me they would be closing the credit card account for non-use, since I didn't need the card and it had not been used in a transaction in over a couple of years, I allowed them to just close it. They reported it as account forcibly closed and my credit score dropped XXXX points. It should not impact my credit score to have a closed account when it had no balance owed. There are other companies doing the same thing, I have XXXX others also when paid in full and/or paid off early reporting so it shows negatively on my and my daughter-in-law 's credit too. XXXX and other credit reporting should know how to correct when disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed an item from my credit report & recently put it back on but didnt follow the law of notifying me in 5days, thats a violation of 605.
Product: Mortgage

I have 2 mortgages ( in Florida ) with Flagstar Bank for about 3 years and during my time with Flagstar I have never had any late payment. When I requested escrow accounts waiver, Flagstar told me that they charge XXXX XXXX of principal balance in order to waive escrow accounts. I have a total of 11 mortgages ( in Florida ) with 8 different lenders and they all waived escrow accounts after 1-year on-time payment without charging a fee. Why only Flagstar bank is allowed to charge such large amount of fee to waive escrow account? 

If the escrow accounts are waived, I can manage the money myself deposit it in a high-yield saving account today for XXXX XXXX interest or buy short-term treasury bill to earn over XXXX XXXX  interest. Why is Flagstar Bank is allowed to hold our money for free ( i..e. they don't pay homeowners interest for the escrow money ) and they can use this money to earn over XXXX XXXX  interest?
Product: Debt collection

For the last several weeks, I have received phone calls on my cell phone from what caller id identified as spam calls 2-3 times daily. On XXXX XXXX, 2019, I went ahead and answered the call and found out it was RPM trying to make a collection for XXXX. I explained to the representative that I closed the account with a XXXX balance and that this was an error. The representative became very argumentative and rude. I ended the call and called XXXX. I resolved the issue with XXXX and was told that the collection was an error and it would submitted to another department to reverse the charge and remove the collection. On XXXX XXXX, 2019, I received another call from RPM. I was told that I was on a recorded line and several times I told the representative to not call my phone number again and that issue had been resolved with XXXX. The representative became very argumentative and rude. I ask to speak to a supervisor and I was told I would be transferred but the call was disconnected. On XXXX XXXX, 2019, I received another phone call and once again I explained that I had told their representative the previous day to not call my phone number again. The representative then wanted to verify my personal information and I told the representative that I was not going to verify my personal information and I gave the representative my phone number and told them to not call this number again and I ended the call.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report concerning late payments for my loan account, which was recently closed as of XX/XX/XXXX. The reported late payments in XXXX ( XXXX through XXXX ) and XXXX ( XXXX, XXXX, XXXX, and XXXX ) do not accurately reflect the circumstances that led to these delays, nor do they align with consumer protection laws. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were, in fact, late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL ( Paid As Agreed, Never Late ) status according to consumer protection laws.

Under 15 U.S. Code 1666c, creditors are required to ensure that periodic statements containing all relevant payment information must be delivered to consumers at least 21 days before the payment due date. Specifically, the creditor has a legal obligation to : Not treat any payment as late unless the periodic statement is delivered within the proper timeframe as described in Section 1637 ( b ).

Provide a reasonable grace period and clear communication regarding finance charges and deadlines, which ensures no unfair late payment penalties are applied when reasonable procedures have not been followed. 

Given that I caught up on all payments, have a history of more on-time payments than late ones, and paid off the loan early in XX/XX/XXXX, I respectfully request a review and removal of the late payments, as they unfairly represent my overall creditworthiness. 

Additionally, my concern is that in recent months, I have not received any mail or been contacted regarding a grace period, which raises questions about the reasonable procedures expected from creditors. This lack of communication has made it difficult to remain fully informed about my obligations. 

Please verify the accuracy of the reporting based on the above, and kindly update my account to PAANL status in compliance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Student loan

My servicer is Navient. I have been put on forbearance for 20 years. I believe I am a victim of Forbearance Steering.
Product: Checking or savings account

On XXXX I entered the bank of BB & T and they stated my account was BLOCKED due to XXXX ( XXXX XXXX XXXX ) this account was not my personal account this account is my business account. Source stated that it was due to check fraud. Back in 2015 I disputed all information regarding this fraud with proof of Identity theft and also disputed this information with XXXX XXXX and found that I was not at fault. XXXX stated that the did a dispute with XXXX XXXX XXXX to prove that it wasn't me and that the information that came back from them was accurate stating that I have two accounts with them. This information was inaccurate and even XXXX stated that the information was inaccurate. XXXX is owned by big time banks and XXXX XXXX XXXX  and BB & T are one of them. Now my business account is on block and I have important things to do. this is ridiculous that they would do this and I'm very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks
Product: Credit reporting 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. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.