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

Applied for a loan online to finance some household appliances. In the initial process, I was asked how frequently I get paid as well as debit card info. Once I get to the store to purchase appliances, I find out that the account was set up on weekly payments being drafted out of my checking account, none of which was authorized at this point. We also find out that we would not be receiving the documents in person, but rather through XXXX. In signing the documents, we were then told that there was two options on payment amount, one being for {$62.00} or option two at {$56.00} per week. The {$56.00} payment was without a limited waiver thing, to which we declined. The lady then told us we didn't have that option and I must sign to continue with paperwork. However on my contract it does present as an option. Also stated in the paperwork, is that the first payment would NOT be drafted until XX/XX/XXXX. The lady at store told us payments would be drafted on Fridays starting in XXXX. I called the customer service last night to try and change the payment due date from Friday to Saturday and found out ... they had a payment scheduled to come out XX/XX/XXXX, which is a Wednesday and XX/XX/XXXX is also a Wednesday. In calling customer service we found out the payment was set to come out in XXXX, which I knew nothing about because according to my contract sent to me via email, my payments wouldn't start till XXXX ( Still not on the day I was told in store ). In applying for the credit line, I also was never given an option on how to make payments or how often they would be due. The authorize things on their end NOT authorized by the consumer paying. XX/XX/XXXX I logged into the account online and found that they are planning on now taking a payment XX/XX/XXXX which is NOT authorized either. As stated on my contract first payment is not set to come out till XXXX. I also researched the company to find 606 complaints on the XXXX XXXX XXXX site of customers with the same complaints. I also read in the complaints that they will take random payments and as many payments as they want. As of right now I have NOT authorized anything to be drafted out of my account for the month of XXXX. Please advise what I can do about this and how to handle my bank to make sure I do not incur over draft fees because of a company who is getting away with taking payments UNAUTHROIZED out of consumer accounts. I also have documents supporting my claims. Also none of the information that was on my contract matched anything they had in their computer. We had to have them change the information from their computer to match the contract that I signed and was emailed to me.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the following item ( s ) on my credit report. I believe the information listed below is inaccurate, and I request that it be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and completeness of credit reporting.

Disputed Item ( s ) : Account # XXXX According to the FCRA, under 15 USC 1681 1 A 1, all information provided to credit reporting agencies must be accurate, complete, and verifiable. This information is currently inaccurate, and I believe it does not reflect my actual credit history.

Furthermore, under 15 USC 1681 1 A 6b3, if the information is being reported by a third party or creditor, they must provide the necessary verification of the accuracy of the data. I request that you, or the reporting creditor, investigate the details and provide me with verification to ensure the accuracy of this item ( s ).

In addition, per 15 USC 1681 1 A 5B, negative information that can not be properly verified must be removed from my credit report. Therefore, if your investigation does not verify the accuracy of the disputed item ( s ), I expect it to be deleted in accordance with these legal requirements.

Please conduct a thorough investigation of the disputed item ( s ) and provide me with the results. I am entitled to receive the results of your investigation within XXXX  days of your receipt of this letter. 

Please send me a copy of my updated credit report once this matter has been resolved. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. Should you require any additional information or documentation to assist in your investigation, please contact me at the address or phone number listed above. 

Sincerely,
Product: Checking or savings account

Chase bank closed my business account and withheld funds for over 22 days. They have now sent an invalid check that can not be cashed with their own branch nor any where else. All traditional banks refuse to cash a check that doesnt have my name on it & traditional check cashing can not verify the funds. This has rendered my funds from a closed account useless as Chase is the issuing bank and wont allow me to cash it unless I have a business account or the check in my name. Ive since called to ask for the check to be reissued in my name and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.
Product: Credit reporting or other personal consumer reports

Ive disputed an existing problem with Experian reporting a late payment on my credit report the company did not provide the balance of said late payment as well as follow its own guidelines for U.S. code 1666 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.
Product: Student loan

Hello, When I was in college I took out both Federal and Student loans as students often do. Both loans were originally supposed to be for 10 years. As I drew closer to the 10 year mark ( after deferring for 2 years, graduated in 2004 ), I noticed that the Federal Loan wasn't on pace to end with the private loan. I requested proof in writing that I had agreed to extend or consolidate my loan and was provide with a document with numbers as my signature. I never once was approached about extending my loan nor would I have. Of my two loans, the Federal was the cheaper of the two. They extended the loan another 5 years. It's another 5 years of paying more interest which I didn't want to however was not in the financial position to pay outright. This is 100 % unfair and I really didn't know who to turn to and complain. I saw that some teachers union out in California is suing and it brought everything back up again mentally. Have you had any other complaints about the same? 
I look forward to hearing from you.
Product: Mortgage

I asked Rocket Mortgage to stop making sales calls and they said they would respect my wishes but kept making sales calls, even when I finally worked with one of their brokers, and again after I stopped working with her.
Product: Debt collection

On XX/XX/XXXX I learned from an original creditor ( OC ) a claim of {$440.00} was still owed. I contacted the OC ( XXXXXXXX XXXX ) explained & illustrated to them that no further monies were owed. They assured me the matter was resolved & a letter of confirmation would be sent to me. XX/XX/XXXX I receive a letter form Grant & Weber Inc. ( collection agency ) stating they represent XXXX XXXX ( OC ) and now {$480.00} were owed. I explained to them the prior conversation with the OC expressing resolution to the matter. They did not care. They continued with the debt collections and placed it on my credit report even after I wholeheartedly disputed theyre claim. On XX/XX/XXXX I sent them a letter asking them to validate theyre claim in accordance with law. They have not provided any of the validation steps or removed the claim from my credit reports as required by law. XX/XX/XXXX I sent a second letter to Grant & Weber Inc. requiring them to remove theyre claims from my credit reports since they have not provided validation as prescribed by law. Im filing this complaint to your agency. I have filed a complaint with the XXXX. I have filed a complaint with the State Attorney Generals Office - XXXX XXXX, NV. Each complaint will express my hardships. The disrespect & plain lack of interest Grant & Weber Inc. has demonstratively shown throughout this matter. The disregard Grant & Weber Inc has for Federal Debt Collection Laws & established professional practices must be reported to your attention for further review. I sincerely hope that you can bring Grant & Weber Inc. to follow lawful procedures & practices. Thank you for respectful consideration & efforts on these matters. 

Respectfully, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO  USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. XXXX is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, US Bankruptcy DO NOT verify to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on Transunion and 18 on XXXX. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Capital One Bank a notice on XX/XX/2022 stating my consumer rights are being violated, due to late payments being reported to my credit profile and how it has coursed harm to me and my family, preventing me form qualifying for credit.
Product: Checking or savings account

On XX/XX/2023 My ending account balance was displayed on my mobile app as - {$110.00}. There was no record transactions the following day of XX/XX/2023. When I called Wells Fargo on XX/XX/2023. I was informed that on XX/XX/XXXX my balance was actually- {$1100.00}. After getting paid I proceeded to spend based of the shown amount on my mobile app which was not a accurate depiction. Which lead to a overdraft fee on my account.
Product: Debt collection

I moved out of an apartment complex  (   XXXX   XXXX , originally  XXXX   XXXX . when I moved in ) and was charged for rent and fees that I did not owe. I spoke with the apartment  manager an d gave the appropriate notice via the lease that I would be moving out. I was told everything was in good standing by the apartment  manager. A pparently, this person did not work for the complex when I tried to reach out upon my discovery that charges had been placed on my account. I understand the apartment complex had been bought by  XXXX   XXXX  during my lease and possible confusion occurred, as well did staff changes. I do not owe this money or the added fees. I received no notices forwarded to my new address. I only discovered this debt via my credit report that this had been filed when seeking a rental property  XXXX    XXXX  . I subsequently filed disputes with agencies. This was immediately removed from  XXXX  and is also not on my  XXXX  report. I have filed multiple disputes with  XXXX , only to receive a response that the dispute was settled ( no further explanation ). These charges by  NCC Business Services  has remained on my  XXXX  credit report.
Product: Mortgage

I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX  at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... 
STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is XXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked Experian, XXXX, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.
Product: Debt collection

XXXX has been adding debt to my credit for a long time and never disputes it correctly I have been a victim of identity theft for a long time and nothing is helping
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, Equifax, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and sent letters to Equifax on numerous occasions regarding the new law that took effect XX/XX/2017 regarding Public Records, Tax Liens and Civil Judgements. Equifax refuse and have yet to remove my public record
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Consumer Loan

This company submitted a fault reply to CFPB when they addressed my concern I had always paid them within the 15 day grace period and they still reported to the various credit companies that I was late. Please see the attached exhibit A
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting an account that doesn't belong to XXXX XXXX XXXX. The company that is being reported in error is XXXX XXXX XXXX. The name they are reporting is XXXX XXXX. My name is XXXX XXXX XXXX. 

Attached is documentations shows it being reported to XXXX and transunion. XXXX XXXX  credit file it has been disputed and deleted as of XX/XX/year>. 

Please see attached proof of identity my driver 's license, ss card, and utility bill for address proof.
Product: Credit reporting or other personal consumer reports

Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my XXXX account because the creditor has re-aged my account and this a FCRA Violation. XXXX aged my account to XX/XX/XXXX however XXXX shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my XXXX report because high credit limit is inaccurate. Transunion and XXXX shows different limit please remove off my report Creditor reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable