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

I opened this loan on XX/XX/XXXX. The payments were high and the interest rate was astronomical. When the pandemic hit I tried to get a reduced interest rate, but to no avail. This loan is illegal in the State of Florida where I live. The last payment I made was on XX/XX/XXXX. This predatory loan should be erased from my credit report. It shows as a bad debt when in fact they are an illegal company charging almost 200 % interest and a 5 % loan origination fee. I want the entire debt erased and all information about this loan removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( S ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AM DISPUTING THIS CLAIM DUE TO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. THIS IS MY OFFICIAL REQUEST TO HAVE THE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT, ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM
Product: Student loan

After many years of bad dealings with XXXX XXXX and Nelnet, in XXXX of this year I moved my private loan to a XXXX XXXX and after XXXX plus years of payments received notice that my loan had been forgiven. This notice was received before the lawsuit which I see in the news now indicates an injunction is in place on forgiveness. The XXXX site still shows that my loans balances no longer exist, but Nelnet shows me in a forgiveness which I never requested and with loans that no longer exist. I demand immediately relief to this situation and further I've suffered for XXXX years with their disgusting practices. Please help me.
Product: Debt collection

I am being charged for an account that I didnt open or use. It is on my credit report as a derogatory account and it does not belong to me. It apparently is a cable or phone bill, I was not living at this address at this time. It was opened in my name or something
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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
Product: Debt collection

I have sent out multiple letters and have received no response to validate that the debt is mine. They are reporting that {$570.00}. Please help as I don't know what to do as they are ruining my credit reputation with this erroneous information.
Product: Debt collection

On my credit report, I noticed a collection. After paying the company ( XXXX ), the collection came back as I hadn't paid when I did. It led me to believe that either the credit bureau or the credit agency didn't do their due diligence. In addition, I attached the confirmation that the balance owed had been paid and that the credit collection company should remove the debt since it did not own it since it had been paid by me. Also, I called into the credit collection and the agent advised the address I provided was incorrect which is impossible because ive stayed at the same address for years. The credit collection company clearly has inaccurate information and this needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
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 Account name : XXXX XXXX XXXX # XXXX XXXXXXXXXXX Account name : XXXX. XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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.

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

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.

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, personal loan, or advance loan

I got an email stating that This notice confirms your verbal authorization to originate a single, one-time payment from the account, on the date, and in the amount detailed below. I never verbally authorized anything. I have not spoken with anyone from Acima over the phone and they do not have any record of me verbally authorizing a cash payment on my account. 

I then received an emailed receipt stating Thank you for your recent payment on your lease with Acima. This confirms your payment has been processed. 

The receipt shows that a cash payment was made that I didnt make. On an account that is closed.
Product: Credit card or prepaid card

I have applied a Chase XXXX XXXX card by using the online portal of Chase. I have clearly read the terms and conditions ( price and terms ) before apply the card and its clearly mentioned like " 0 % Intro APR for the first 12 months that your Account is open. 
After that, 17.99 % to 24.99 %, based on your creditworthiness. 
These APRs will vary with the market based on the Prime Rate ''. After I have applied they approved my card with APR of 21.99 % and they didn't provide me the promotional APR which mentioned in online. I have contacted Chase customer care immediately and they " that was a computer mistake, you will get 0 % APR, please wait 2 or 3 days '' but didn't get that. So, I have contacted again, and went to Chase branch to rectify the issue ( showed them the document which I have downloaded from online, and also showed them the Chase online website, sent the screenshot ) but they are now saying " I have applied the application with APR, and they are unable to change anything ''. 

Logically : if its showing APR in price and terms, I wouldn't have apply the card. Also my friend which referred me have the 0 % APR. 

This is completely misleading a customer like me. Please review it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute the validity of a collection account that appears on my credit report. I believe it is in both our best interests to clear up any misunderstandings and resolve this matter amicably. I request that you investigate the account in question and remove it from my credit report immediately. 


Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am disputing this collection account on the following grounds : 1. Verification : I have never received any correspondence or communication regarding the above-mentioned debt. According to the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide verification and proof of debt upon request. I kindly request you to provide me with any relevant information, including copies of original agreements, invoices, or any documentation that validates the debt in question. 


2. Inaccurate Reporting : I have reviewed my credit report, and I believe that the reported date and amount of this collection are inaccurate. I request you to review your records and provide accurate reporting details for this account, including the correct dates and payment history, if applicable. 


3. Identity Theft : I am concerned that this account may be the result of identity theft. As I have no recollection of conducting any business whatsoever with the alleged creditor, I genuinely believe that my personal information might have been compromised. Therefore, I kindly request you to conduct an internal investigation to verify the accuracy and legitimacy of this account. 


Please note that according to the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information must be reported on my credit report. If you fail to provide sufficient proof or fail to respond within 30 days of receiving this letter, I will take further action to protect my rights under the FCRA. 


I request that you promptly investigate these claims, and if they are indeed substantiated, I respectfully demand that you remove this collection account from my credit report and cease any collection activities associated with it. Additionally, I request a written confirmation of the removal of this item from my credit report within 15 days of your investigation. 


I would appreciate your immediate attention to this matter to avoid further escalation. I intend to monitor my credit report closely and expect a timely response from your agency. Failure to resolve this dispute adequately will leave me no choice but to pursue legal action to protect my rights. 


Please respond to this dispute in writing and provide all necessary documentation related to the investigation to the address listed above. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been a victim of Identity Theft. I have been dealing with this for over a year. I use XXXX XXXX which monitors my credit which alerts me each time. 
My SSN was used to open a Credit Card for XXXX XXXX. 
When I received the card in the mail I immediately contacted the number on the back of the card to report this fraudulaent application and card. The account was closed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing and correcting inaccuracies on my credit report. These discrepancies persist despite my attempts to resolve them with the credit reporting agencies ( CRAs ) and creditors directly. I believe these issues represent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I sent dispute letters on to the CRA 's on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> requesting removal from my credit reporting some have been removed, yet the following remain on my credit reports. 


XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. DEPTEDXXXX  Account # XXXX XXXX. XXXX XXXXXXXX XXXX- Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX  - Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXXXXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

I was looking on my credit report an noticed a lot of hard inquiries from the year of XXXX  I have not applied for any new credit since XXXX of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Dispute Regarding Refund and Account Closure with XXXX XXXX XXXX Synchrony Bank ) Issue Type : Problems with a credit or consumer loan Details of the Complaint : I financed my Byte aligner treatment through XXXX XXXX, which is owned by Synchrony Bank. Recently, XXXX refunded {$2100.00} to my XXXX account. XXXX informed me that XXXX would refund me the difference between the refunded amount and my outstanding balance. 

I have verified that my XXXX account is now marked as closed, but I have not received any communication or refund of the difference from XXXXSynchrony Bank XXXX I have contacted XXXX XXXX multiple times to request clarification and to inquire about the timeline for receiving my refund, but they have not responded to my emails or inquiries. 

I am seeking assistance in resolving the following issues : XXXX. Confirmation of the {$2100.00} refund from XXXX and its application to my account. 
2. Confirmation of the outstanding balance prior to the refund.

3. Immediate processing and issuance of the refund for the overpayment difference. 
4. Documentation of the account closure and confirmation that no balance remains. 

Desired Resolution : I would like XXXX XXXXSynchrony Bank to provide : A detailed breakdown of the refund and how it was applied.

A full refund of the difference between the {$2100.00} refund and my previous balance. 
Written confirmation of my account closure and that no further action is required on my part. 

This lack of communication and delay in processing my refund is unacceptable, and I am requesting CFPBs assistance in resolving this matter promptly. 

Additional Information : Loan Originator : XXXX XXXX XXXX owned by Synchrony Bank ) Refund Issuer : Byte ( Byte.com ) Account Status : Closed
Product: Credit card or prepaid card

Purchased furniture from XXXX  XXXX XXXX during XX/XX/XXXX. Chase offered a My Chase Plan, which involved 0 % interest and no fees for 18 months with equal monthly payments. I added a My Chase Loan during XX/XX/XXXX to the credit card with no fees and 24 months of equal payments and 8.99 % interest. I submitted an " interest-saving payment, '' which the institution 's FAQ indicates the following for : Pay the interest saving balance optionwhich includes the monthly amount for XXXX  Chase XXXX  month by your due date to avoid interest charges on new purchases. When you choose the interest saving balance option, you wont pay off your entire XXXX  Chase XXXX  balance earlier than intended, and youll still avoid interest on new purchases. '' When I made a new purchase, the " XXXX  Chase XXXX, '' and subsequently paid it a few days later, the payment should've been applied to any purchases with a higher interest rate. The institution 's own FAQs indicate that I won't pay off my entire XXXX Chase XXXX balance earlier than intended. Now the institution has sent me a notification that the lower interest XXXX Chase XXXX has been paid in full. The institution does not allow customers to allocate payments to specific products and penalizes early payments. I reached out and escalated the call to no avail. By the representative 's own omission, the product is confusing and payment allocations are a fair resolution. I will be disputing the interest charges and allocation of payment. Any attempts for collections or impact to my credit should be unlawful.
Product: Vehicle loan or lease

I was 2 months late due to hardship and this company repossessed my car before the grace period ended for the 3rd month. I never received any letters for warning. Afterwards I immediately I paid full amount due and they have help my car hostage for 2 weeks and now they dont answer any calls. 

Paid full amount due XX/XX/XXXX and today is XX/XX/19 they advise payment cleared but they wont release my car and the repo team wont answer calls. 

53 Bank 53bank.com
Product: Mortgage

RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.
Product: Checking or savings account

I'm still not sure when this account was opened, but somehow a savings account through Bank of America was opened in my name. I found out because BOA sent me a banking statement letter in the mail. Odd, I thought. I don't have a BOA account. I proceed to call and request my account be closed. You cant sir, you don't have access to that account. Excuse me? Its in my name. We cant verify that you're you. Its going to have to go through the security division first before we can do any thing.

This was almost a year ago. I've called dozens of times. Account services, Customer retention, Security division, etc. Its also really hard to just get ahold of a real person. How can a bank, of all places, allow an account to be freely opened in someone else 's name? I've called being nice and asking for them to close the account or transfer me around for hours so I can talk to the " right person '' who inevitably tells me that it'll have to go to review and they'll " get back to me. '' I've also tried being mean, making them put on their managers who are just as limp and indecisive as the peons. I've since had to put freezes on my credit accounts, making it hard for me to maneuver financially while I'm trying to remodel my home. Extra phone calls, mailing extra proof its me, spreading out even more of my personal information into the world.

This is not that big a deal when it comes to actual damage to ones life. However it is a big deal when we allow big business to walk over the people that put them there in the first place. I would like my account closed and to be rid of BOA forever. I sincerely hate their company and what they seem to stand for. I will never be a customer and would like to have NO further contact with this company. I would request a cease and desist however it would take longer to get that to comply than it would to write this letter. Thank you for taking the time to read this and appreciate any judication on the matter. 

Sincerely, XXXX 

P.S. This account that is in question has never had any money in it. There have never been any charges to me personally .... yet. And to my knowledge there has been zero account activity.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions