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

Five years agoon XXXX XXXX, 2012, my wife ( a XXXX XXXX ) and I signed off on an installment plan loan with a XXXX XXXX  specialized lender, XXXX XXXX. The loan amount of {$7800.00} was to be paid back in 120 monthly installments over a period of 10 years. The interest rate of 12.5 % was set by the lender and presented to us as a fair deal. The monthly payments of {$11000.00} appeared to be an amount that my wife and I could afford at that time. The loan was presented to us by the renowned local XXXX dealer, XXXX XXXX XXXX, XXXX, in XXXX, NC. We did not receive proper counseling about the details of the actual interest payments versus premium payoff that we would face over the next decade. In all fairness, the total amount of expected interest payments was listed in the contract that we signed. My wife and I were sure that we would afford larger monthly payments than the required {$110.00}, and would therefore be bale to pay off the loan much earlier that the anticipated 10 year loan period. Unfortunately, we did not pay attention to the fact that the industry a-typically long duration of the loan would entail paying mostly interests in the first 5 years of the loan. Only today, and after many phone calls with the lender did we learn that a 10 year loan was highly unfavorable for our specific purposes, needs, and financial situation. Almost 5 years into the loan, we have already paid over {$6700.00} and still owe a {$5200.00} payoff sum. Had we been counseled more thoroughly, we would have certainly opted for a 60 month loan instead, and would by now almost have paid off the total premium and interests. The original loan details were made in bad faith and took advantage of our eagerness to buy a good quality XXXX for my wife 's career outlook as a 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 Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LVNV FUNDING LLC ), and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) LVNV FUNDING LLC - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Product: Credit card

When filing disputes, I was assured by the US Bank representative I was speaking with, for over XXXX hours, that my account wouldn't negatively be affected because of it. After several weeks of denying me access to information regarding those disputes, they have not only apparently decided to close my account for excessive disputes, but remove all access to my account information. I have no ability to see my current balance or the actions being taken. I have had credit cards with balances closed in the past, and this has never been a step taken. According to my online dashboard, I no longer have an account, balance, bill, statements, or anything else. The account never existed despite the currently pending charges and negative balance, or the rather obvious attempts they have made in the last couple of weeks to cover for various retailers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two dispute letters in the past 60 days for investigation to remove an incorrect account status - Equifax is reporting a derogatory account on a paid account both XXXX XXXX and XXXX XXXX. They have not provided me any proof from an investigation
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}
Product: Credit card or prepaid card

I am being audited by the IRS for tax years XX/XX/XXXX and XX/XX/XXXX. 
I had a credit card relationship with three companies during that time. 
Capital One, XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX. 
I used credit for personal and business purposes. I ran into a tough stretch of time monetariliry that caused me to be late and eventually have to stop paying the credit card companies. 
I am currently in collection with all three. 
I am asking for credit card statements for XX/XX/XXXX -XX/XX/XXXX for all three companies. 
I have mailed certified letters. 
Sent email requests and called. 
Each time i am either hung up on or transferred to a collection company that keeps me on hold for hours and says they dont have the credit statements. 
I was moving my place of business and misplaced all these documents. Now i desparataly need them XXXX XXXX SSN XXXX I am asking for copies of statements from these three companies My wife XXXX XXXX 's SSN XXXX name was on the XXXX XXXX XXXX XXXX XXXX card I have deductions I could prove but am unable and these three companies - due to the fact that i still owe them money refuse to help/acknowledge/assist me in my mission to recover the statements from XX/XX/XXXX XXXXXX/XX/XXXX Please assist me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my previous business address was XXXX XXXX XXXX XXXX XXXX Nv XXXX they may have mailed statements there when i had the cards.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with XXXX XXXX XXXX XXXX. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within XXXX business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy XXXX XXXX XXXX XXXX XXXX, consumer reporting agencies XXXX only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections XXXX Inquiries Employers These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

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


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Update the late payments from my consumer reports
Product: Credit card

On XX/XX/2024, {$20.00} of a {$61.00} XXXX purchase was credited using {$25.00} worth of Rewards Points. This amounted to a {$5.00} surcharge for using my credit card. A call to the company ( CitiBank ) by myself and others resulted in a response that one can not opt out of the " shop with Rewards points '' program.
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my XXXX XXXX XXXXXXXX account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with Wells Fargo in addition to other accounts and they allowed " XXXX XXXX XXXX '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with Wells Fargo and XXXX XXXX XXXX no one wants to accept any fault. I received another letter from " XXXX XXXX XXXXXXXX '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by XXXX XXXX XXXX XXXXXXXX in Texas not Delaware. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is A brand new complaint in addition to complaint XXXX with EQUIFAX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, EQUIFAX to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By EQUIFAX PERIOD!!!
Product: Money transfer, virtual currency, or money service

Description of What Happened Between XX/XX/year>XXXX  and XX/XX/year>, Elavon withheld a total of {$2800.00} from my business. The specific amounts and dates are as follows : 1. {$1100.00} ( XX/XX/year> ) : A check request was issued but never received. Elavon refused to cancel and reissue the check or deposit the funds directly into my account. 

2. {$1400.00} ( XX/XX/year> ) : Funds withheld under " Returned Deposits '' without explanation or resolution. 

3. {$130.00} ( XX/XX/year> ) : Withheld as " Collections. '' 4. {$120.00} ( XX/XX/year> ) : Withheld as " Collections. '' 5. {$5.00} ( XX/XX/year> ) : Withheld as " Collections. '' I made multiple attempts to resolve this matter by contacting Elavon between XXXX and XX/XX/year>. Elavon representatives acknowledged the {$1100.00} was owed but failed to take action to resolve the matter. I confirmed all necessary information, including my account details, and requested a resolution through reissuance of the check or direct deposit of the funds. 

Elavons negligence caused the following harm : Financial Losses : Disruption of business operations due to withheld funds. 

Operational Delays : Time and resources spent pursuing resolution. 

Reputational Damage : Harm to professional relationships and credibility. 

Emotional Distress : Stress, XXXX, and frustration due to repeated delays and evasion. 

Despite their acknowledgment of liability, Elavon failed to act in good faith, demonstrating a pattern of neglect and evasion. 
-- - Actions Taken by Me 1. Contacted Elavon multiple times between XX/XX/year> and XX/XX/year> to request resolution. 

2. Provided accurate account information and documentation as requested by Elavon. 


3. Escalated the matter to ensure resolution, but Elavon refused to act. 
-- - Requested Resolution 1. Immediate release of withheld funds ( {$2800.00} ). 

2. Compensation for financial, operational, and emotional harm caused by their negligence ( {$10000.00} ). 

3. Direct deposit of the total amount ( {$12000.00} ) into my account within 5 business days. 

4. Written documentation explaining the cause of withheld funds and confirming resolution. 

5. Assurance that no further issues will occur, including no negative reporting to financial institutions. 

-- - Acceptance Without Prejudice Any payment or settlement offered by Elavon in response to this complaint will be accepted without prejudice to my right to pursue additional claims for damages, including but not limited to consequential damages, emotional distress, punitive damages, and other financial losses caused by their negligence and bad faith.
Product: Credit reporting or other personal consumer reports

The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all XXXX bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX.