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

On XX/XX/2020 I recieved a letter in mail with a live check inside. Never heard of this scam before but they send a check in the middle of pandemic while people are jobless waiting on stimulus checks in you mail. If you cash it, you automatically agree to terms which is 43.97 % APR, {$450.00} fin. Charge, plus other fees and charges. I cashed it. Desperate, out of work, no money comming in and its the worst thing I could have done. I tell them its unfair because its predatory, sent to anyone without discrimination or a check into if they have enough income or a job to pay it off or a XXXX like XXXX or cant read or write, they don't care. 

All you need is that check, sign the back, go to a bank and cash it. One or two forms of I.D . this can easily be manipulated. My wife or son could have cashed this but I'm just talking in hypothesis I own up to it so I was trying to work with them but as soon as I went 2.7 months back, they sued me. This is republic finance LLC. Of XXXX, LA and my court appearance is tommorrow at CITY COURT OF XXXX state of louisiana ( XXXX ). I blocked their numbers after horrific and intense calls 6 days a week 5-6x day. I partily lost a job of 2 weeks bricklaying because of these calls. When I was served papers saying im being sued, my wife called them and offered to catch up the 3 months and get back in good standing with her credit card for {$400.00} but the lady ( XXXX ) was so rude and insulting basically talking to us like we are children and we have to do what's on the subpoena which says go to court or pay {$1600.00} in full or be sued. 

I sent money orders to their office of {$120.00}, {$30.00}, and {$30.00} just so I don't go to jail but they send me no bill or invoice or payment stub in the mail. They are basically acting like they want the judgement against me. Only gave me 10 days to get to court for an answer when 20-30days is the norm. I've seen a white chevy XXXX parked in the next street taking pictures of my property 2x already. When they see me exit my house they leave. 

The supoena also says that since they are sueinf me they are tacking on an additional 16 % APR, 18 % maturity, court, their lawyer and process fees all on me. A {$1400.00} loan supposed to be {$120.00} a month, I only cashed in {$980.00} and now it looks like if things don't go my way I'll be paying almost {$3400.00} to {$5000.00}. I called them and offer to pay {$30.00} a month because ive been without a job all year because of the pandemic and I just won my UE. They don't exceot the payment so i have to send a money order to their office not knowing if I'm wasting my money. 

I'll see what happens at court tommorrow. They have an attorney but I am loan wolfing it. I studied the laws a bit and wrote down key talking points, they while not bully me or intimidate me. Thanks XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX XXXX  for the last year and have been trying to rebuild my life and my identity. While getting help from the resource center to report my identity theft, I disputed incorrect information that was being reported on my credit file and discovered that for the last XXXX my social security number has been reported incorrectly. I have been denied for credit opportunities because they could not verify my information. I was confident that I was supplying the correct information but was still denied. Also my name was also reported incorrect which also has caused potential credit opportunities for me to be denied. This is unfair practice under the laws that protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit reporting under FCRA and Consumer Law To Whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under the 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items Account name XXXX, Account number, XXXX. 
Provide me with all documentation to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my final credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : TransUnion 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX : XXXX Experian : XXXX   Chapter XXXX Bankruptcy Dismissed XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX   XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the customer service department to cancel my account. The terms were confusing and misleading. During this call, the representative assured me that my account would be closed, and any associated activity would be removed from my credit report. 

I begin to receive alerts re : a late payment. To prevent further negative impact on my credit report, I decided to pay the account that I was told would be closed. 

I kindly request that the company update my account status to reflect all payments as current. This issue has adversely affected my payment history and overall credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, XXXX and Experian didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 6 inquires : 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, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AR RESOURCES INC. for committing identity theft. I have never given AR RESOURCES INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AR RESOURCES INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AR RESOURCES INC continues its collection efforts, I will file for litigation for actual damages caused and AR RESOURCES INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. I ask XXXX XXXX and transition Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.To delete and block the follow fraudulent accounts, per the FCRA 605B.

See attached
Product: Credit card or prepaid card

Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care. 
The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )
Product: Mortgage

MUCH TO MY DISMAY, I RECEIVED AN ESCROW ANALYSIS STATEMENT DATED XX/XX/2022 XXXX XXXX # XXXX THAT DISPLAYS XXXX FALSE FEES OR XXXX PAST YEARS HOMEOWNERS INSURANCE AND {$130.00} UNJUSTIFIED ESCROW CHARGES. STILL, MY OVERAGE AMOUNT SHOULD BE WAY MORE THAN {$3300.00}. 
IN ADDITION, I WAS CHARGED XXXX FEES FORCE PLACED INSURANCE PREMIUMS OF {$140000.00} AND {$1700.00}. 
XXXX XXXX XXXX IN THE LAST XXXX YEARS HAVE ALWAYS EMAILED TIMELY PROOF OF CONDO MASTER INSURANCE POLICY. THESE ACTIONS BY RUSHMORE LOAN MGMT LLC VIOLATES FEDERAL BANKING LAWS BASED ON PREDATORY AND/OR UNFAIR PRACTICES THAT HAS PUT ME IN HARMS WAY. I AM REQUESTING ALL FALSE FEES TO BE DELETED OFF MY ACCOUNT AFTER OMBUDSMAN/ESCROW AUDIT AND A FULL REFUND OF MY OVERAGES SENT TO MY MAILING ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score. 

XXXX XXXX auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score.
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. 
Accounts : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 USC 168s-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

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX. 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,
Product: Credit card

Capital One credit cards ending in XXXX and XXXX, Beginning in XX/XX/2024 I was not able to continue with payments, and before being in delinquent status I decided to enter into XXXX account # XXXX, The XXXX Capital One cards were listed in this account with others. I was advised by XXXX to change due dates and turn off auto debit, which I did. Capital One accepted the terms with XXXX and the first payment to them was made in early XX/XX/2024, On XX/XX/2024 {$540.00} and {$360.00} were debited from my checking account by Capital One, These XXXX payments were double payments that I didn't approve. I called customer service and they refused to return the money. At this time the accounts are restricted. Based on the Capital One statements, I can provide a statement proving I turned off the auto-debit. This is very unfair to me as a consumer and puts me financially at a disadvantage, I am trying to do the right thing with these creditors and this is how they handle consumers. I can supply any additional documents to prove my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, XXXX, Transunion ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Product: Checking or savings account

With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.