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

Payment was tendered on XX/XX/year> via US Postal service Certified mail with Restricted delivery Certified mail number XXXX XXXX XXXX XXXX XXXX XXXX Sent to the CFO of BEST EGG XXXX XXXX at the corporate office of BEST EGG XXXX XXXX XXXX. XXXX, DE XXXX Delivered and signed for XX/XX/year>. BEST EGG has never acknowledged receiving this package which included in it the Negotiable Instrument, a Promissory Note # XXXX in the amount of US {$30000.00} paid to the order of BEST EGG executed XX/XX/year>. 
To the best of my knowledge BEST EGG is in possession of this Promissory Note and have not credited my account. The customer service representative created a ticket to address the issue with their company " back office '', ticket # XXXX. The response is that they are UNABLE to credit the account OR return my financial instrument. The customer service representative informed me that the company specifies, as addressed in what she called the BEST EGG guidebook under the section PAYMENTS, unapproved forms of payment would be returned to the customer provided there is a return address. This is a contradiction. I demand ( A ) my Negotiable instrument be returned to me immediately ( B ) with lawful reasons why the payment is dishonored only if BEST EGG continues to refuse to accept the instrument and credit my account. Until I receive confirmation that BEST EGG returned my instrument I consider this a billing error per 12 CFR 1026.13 ( 4 ) " failure to credit properly a payment or other credit issued ''. 
The Loan account number was provided on the instrument as well as the return address.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by EXPERIAN, XXXX, XXXX. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : EXPERIAN ( XXXX ) XXXX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased XXXX XXXX ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;
Product: Credit reporting or other personal consumer reports

The reporting agency did not follow the rules to remove adverse information due to Human trafficking from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of trafficking in persons or XXXX trafficking under the Rule. 
Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission. 
A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block. 
A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, as of XX/XX/22 After months of disputing with Equifax about Account # XXXX, that's thoroughly inaccurate, they have yet, again verified information that's clearly inaccurate and continue to violate my consumer rights. I want this account removed from my Equifax credit immediately! How can this account continue to come back modified and verified when it's not??? As result of this account reporting inaccurately I can not get approved for anything and it's damaging my modes of living. I've disputed this account for accuracy, violation of my consumer rights and have been demanding Equifax to take this account off my consumer report since XXXX and Equifax verified every dispute I've sent them. How???? When my documents without a doubt verifys that the scheduled payment is wrong, amount past due is wrong, actual payment is wrong, the balance is wrong, type of account is wrong and date of last payment is wrong. My documents prove Equifax has been verifying this account that's 110 % wrong.As a result, I will be seeking damages from Equifax for several different consumer laws that's been broken since I started disputing this account. I want the Ohio department of XXXX XXXX account off my Equifax credit report NOW! Immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a 30 day late payment that occurred on my American Express account in XX/XX/2018. American Express has refused to do an investigation into the matter so I escalated the issue to their corporate office and to the CEO 's office but nothing has been done. 

After reviewing my account with American Express multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XXXX 2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, but it bounced back to the bank because American Express took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because American Express had the incorrect bank information to process the payment that kept bouncing. American Express representative made a mistake that caused my account to have a 30 day late payment. 


American Express is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). American Express never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item.

American Express is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). American Express is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on American Express. American Express is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
Product: Student loan

I graduated from XXXX in XX/XX/XXXX. I was scheduled to start repayment inXX/XX/XXXX. When I started repayment I also consolidated my federal loans to make them financially manageable. When speaking with the person who was helping me consolidate and pick a payment plan for Public Service Loan Forgiveness I was counseled incorrectly. I asked  multiple times if the payment plan they suggested counts towards Public Service Loan Forgiveness and I was told that it did. I stayed on that plan for 2 1/2 years until finding out via my loan being sold and put into forbearance that I was on the wrong payment plan and none of my payments counted towards the 120 needed for forgiveness. It's over 30 payments that have not been counted. That's over {$18000.00} that I was counseled incorrectly out of. I have spoken to My XXXX XXXX and they say they can not do anything about it. I want to file a complaint due to the negligence of the loan provider.
Product: Credit card or prepaid card

My Citibank Credit Card has {$960.00} to be refund to me for over payment and there is more than 10 business days waiting for my refund and I have not receive it yet.
Product: Mortgage

On XX/XX/2023 I checked the XXXX XXXX XXXX XXXX website regarding requalification for XXXX XXXX  assistance. Within my account was a notation stating that the XXXX XXXX XXXX XXXX was waiting on a response from XXXX. I reached out to Flagstar on XX/XX/2023 to inquire about Flagstar 's response. The customer service rep. Indicated she would " escalate '' it to the appropriate department. I'm not sure there was an escalation. 

In the pre-recorded message prior to speaking with a XXXX, it clearly states that I would have to choose which assistance I would prefer or want..As stated on the XX/XX/2023 call as well as in my previous complaint and many times verbally and now again here : I CHOOSE XXXX XXXX FUNDING OVER ANY OTHER TYPES OF ASSISTANCE. 

If I do not qualify, which will not be determined until after XXXX responds, then I will choose the partial claim. Attached is a screenshot of message left by the XXXX XXXX XXXX XXXXXXXX on my account indicating the need for XXXX to respond.
Product: Student loan

I have received multiple letters stating I owe money towards repayment. However, when logging onto my MOHELA account, it states that the balance owed is {$0.00} and that nothing is past due. I have also tried logging into the other MOHELA website ( having two separate websites is another problem entirely ) and it states that my SSN and Birthday don't match so I can't even log in to check. MOHELA has responded once and only stated they're sorry for their bad service, but did not answer anything concerning the discrepancy between the online balance and balance shown on letters.
Product: Debt collection

Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

I filed a dispute with chime for hotel stay, at XXXX XXXX XXXX, the hotel was misleading and over charged, the hotel was bathroom was inoperable, XXXX continued to come up from the toilet when flushed and the hotel room smelled like XXXX and XXXX, I talked to the hotel XXXX and was not given a new room or any relief, I sent chime bank pictures of the toilet with the XXXX coming up and the toilet not being able to flush, I spent {$850.00} dollars on this hotel stay and had to borrow money from my father just to find another hotel to stay at, I live in XXXX and I was in XXXX XXXX XXXX and was stranded because the hotel didn't want to switch my room, so i left the hotel and had to find another one, I filed a dispute with chime for XXXX booking of the XXXX XXXX XXXX for {$550.00} and {$300.00} dollar dispute for the XXXX XXXX XXXX for over charging my debit card, when I didn't stay there, I need help getting a refund, this all of the money I had. I never stayed at the hotel and was still charged
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to the inadequate customer service and unfair practices, which violates the consumer financial protection act specifically. Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fraud transfer act. ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights. Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy. 15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions. 15U.S.C1666 ( b ). 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Repossession on My Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate repossession entry on my credit report that is causing undue harm to my creditworthiness. Upon reviewing my credit reports from XXXX and XXXX, I noticed that DriveTime/Bridgecrest has reported a repossession with a balance of {$16000.00}, which I believe is erroneous and should be removed or corrected immediately.

The disputed entry details are as follows : Creditor Name : DriveTime/Bridgecrest Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$16000.00} Date of Alleged Repossession : XX/XX/XXXX Credit Bureaus Reporting the Item : XXXX and XXXX Reason for Dispute 1. Inaccurate Reporting : The reported repossession contains incorrect information regarding the balance and payment history. I request a thorough investigation to verify its accuracy.

2. Failure to Provide Proper Notification : If the lender failed to provide the legally required notices before repossessing the vehicle, this would constitute a violation of federal and state consumer protection laws.

3. Potential Violation of the Fair Credit Reporting Act ( FCRA ) : If this information can not be verified with proper documentation from the creditor, it must be removed from my credit file immediately per FCRA guidelines.

4. Possible Wrongful Repossession : If payments were made or an agreement was in place that the lender ignored, the repossession should not have occurred, making this entry invalid.

Enclosed, please find copies of my credit reports from XXXX and XXXX, highlighting the disputed repossession. Additionally, I have included any supporting documents that may help in resolving this matter.

Please respond to this dispute in writing within 30 days as required by law. If no resolution is reached, I will consider escalating this matter further, including seeking legal remedies if necessary.

I request that you investigate this matter and require the credit bureaus to provide proper validation. If the creditor can not verify the accuracy and legitimacy of this account, I request that it be deleted from my credit report immediately.

Thank you for your time and assistance in resolving this issue promptly. I look forward to your response.

Respectfully, XXXX XXXX
Product: Debt collection

Merchants credit bureau XXXX is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removalXXXX has it listed to be removed XXXX and XXXX shows they reported XX/XX/XXXX..collection agency stated it will remain on there till XXXX This from a fire utility company who in XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with XXXX.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XXXX and they claimed it was a different account but impossible ..I 've only lived in XXXX place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XXXX showing fire was included in taxes beginning that year. I can furnish more if needed