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

On XX/XX/XXXX I made arrangements to payoff an old loan at a discounted amount of {$400.00} contingent on a re-loan which I was told was approved. Payment of the {$400.00} would be made on XX/XX/XXXX At no time did I authorize an automatic withdrawal of the {$400.00} from my checking account. I was to call on XX/XX/XXXX and at that time process the payment and process the new loan.

On XX/XX/XXXX at XXXX  I reviewed my checking account to see that an automatic withdrawal of the {$400.00} had taken place. I telephoned the company and spoke at at least ( 10 ) different people indicating to them that I had not authorized an automatic payment and requested that the transaction be stopped and or reversed and the {$400.00} be restored to my account. They indicated they had made a mistake by not informing the withdrawal would be automatic and they could not issue the new loan or stop/refund the {$400.00}. This was a typical bait and switch and that the {$400.00} was gone.
Product: Student loan

I continued to make payments on a XXXX loan while Mohela was backlogged counting XXXX payments. I knew I made more than the required XXXX payments but they hadn't counted them up yet. To avoid accrued interest and late payment fees, I kept making payments in good faith. Once they finally tallied my payments and forgave my loan, I had overpaid by {$1600.00}. I called on XX/XX/XXXX and was told my refund was escalated and would be sent in XXXX business days. I called again on XX/XX/XXXX, after not receiving my refund, and was told they " are backlogged and to wait longer ''. When I asked exactly how long, I was told to " try the end of XXXX ''. I called today, XX/XX/XXXX, and was told to wait longer, they are backlogged. Could be XXXX MORE days! Meanwhile, Mohela is making interest on MY money. I asked to be transferred to a XXXX, after being on hold for another XXXX minutes, an automated voice said they'd call me back by the end of the next business day. 
To further complicate the matter, I have XXXX loan sequences that are still in repayment. Mohela put them on administrative forbearance. The letter they sent me said interest would accrue during this time, but since it's a court ordered forbearance ( govt fighting about XXXX  payment plan ), everything I read on government websites say interest does not accrue. When I call it's a different answer depending on who answers the phone.
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. 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is related to my previous complaint under # XXXX to which Synchrony bank replied, " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is a questionable statement to say the least and intentional fraud to say the most! Synchrony bank mailed me a check apparently planning that I would cash it and put myself in a very difficult position. Previous complaint was filed by my wife who was trying to shield me from troubles because I have XXXX disease, and any problem affects me deeply psychologically. But when the heck arrived, she could no longer keep it from me. Copy of the check is provided to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ter XXXX XXXX, Fl XXXX XXXX XXXX XXXX TRANS UNION LLC CONSUMER DISPUTE CENTER po box XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX & XXXX ACCOUNT # XXXX OPEN : XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting or other personal consumer reports

Discover Financial Services has failed to comply with the law and is in fact breaking the law Defamation If applicable, I believe the content violates my rights under state defamation law, which protects individuals from false statements that harm their reputation. Under California Civil Code 45, defamation occurs when false statements are made with the intent to damage someone's reputation.

Right to Privacy Under 42 U.S.C. 1983, I am requesting the removal of any content that constitutes an unlawful invasion of privacy, which may include the disclosure of private personal information or violations of General Data Protection Regulation ( GDPR ) principles, if relevant. 

I affirm that the content in question infringes my rights, and I request that you immediately remove or disable access to this content in accordance with your legal obligations under the DMCA and relevant state laws.

Please provide confirmation that the content has been removed within [ number of days, typically 7-14 days ] from the date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies Experian. Any question can call XXXX XXXX XXXX at any time. I have more than one year to make the complaint and I never received a response. Case number XXXX Phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and XXXX stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from XXXX and the score went up XXXX point for each account removal due to fraud. Experian also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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: Money transfer, virtual currency, or money service

I had canceled a money transfer with western union before it was processed. However they still withdrew {$3700.00} from my checking account. I have called them several times and they keep telling the money has been refunded. Still not refunds and it has been 10 days now. I received an email saying the transaction had been canceled because the payment method was wrong and to try with a new payment method. ( even though I was the one who cancelled and they withdrew the money already.
Product: Bank account or service

I am a member of USAA, and have been for over 3 years. I recently was forced to obtain a new chipped debit card, and since I have received it there has been too many problems to count. USAA is placing fraud holds on my account multiple times per day, requiring me to call them repetitively daily after most of my transactions. I have asked is this hold being placed manually or automated, and was told it is automated. The last straw was on XXXX/XXXX/2017, I made a few purchases, and my car broke down that morning. I have kids and work, so I needed a rental ASAP, when arriving to enterprise they tried to process my transaction and it declined. I then called USAA and stayed on the phone with them over an hour trying to fix the cause of the problem, which they stated was because of the transactions, I placed earlier being fraud. I told them it was me, and when the card was reactivated enterprise said they could n't use my card any more because it was declined. I then had to transfer money to another account, and pay USAA a XXXX transfer fee. Even though this whole issue was their fault. I then later needed to pay my mortgage on that day, and when trying to pay it online through XXXX, was declined again. I called USAA and was given the run around for about an hour, after all the hassle they still did not help me. I was unable to process my transaction, causing another fee with my mortgage company. I think it is a disgrace when someone has the money in their account, and in times they really need it are constantly being blocked because of a flawed automated system. I have never been with a bank that blocks my card after use like this bank does. I should be able to access and spend my money any way I wish. This is a problem for me because I handle alot of bill paying online, as well as other transactions. I have to call them at least 2-3 times a day since I received this new card to reset it because it keeps saying fraud.
Product: Credit reporting or other personal consumer reports

While looking over my credit report and I saw inaccuracies and inconsistencies in the information shared to XXXX, XXXX and XXXX by Capital One. 
This account is negatively impacting my ability to acquire credit.
Product: Debt collection

On XX/XX/XXXX NATIONAL CREDIT AUDIT CORPORATION ( NCAC ) / FIRST ADVANTAGE ( FADV ), Has been contacting me via email, postal mail, and phone calls claiming I owe them a debt of {$1200.00}, also they sent me another notice on XX/XX/XXXX saying I can just pay {$750.00} to settle the debt for a one time payment. This company has been violating my ( FDCPA ) rights 15 USC 1692g ( B ) to be exact ; Since XXXX when I first disputed the debt they never reported to the 3 credit bureaus that the debt was being disputed they also didn't cease collection. Most importantly they never Validated the debt. This company have been hurting my credit worthiness for too many years now along with XXXX for not doing a thorough investigation to see if the debt was Valid or Accurate. I disputed the debt in XXXX and its XXXX, they are Willfully violating my rights as a consumer 15 USC 1692g ( B ) and 15 USC 1692e ( 2A ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX To XX/XX/XXXX I was XXXX in XXXX XXXX XXXX  California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my XXXX credit card. I did n't make my first purchase until XX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me
Product: Credit card or prepaid card

I contacted them several times regarding this issue. They also lowered my line of credit limit for no reason/explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. US Dept of ED, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer sent a letter to the consumer reporting agency Experian on XX/XX/, 2022, pertaining to the reinvestigation of an inaccurate account furnished on my account without any validation from me the consumer regarding the information the creditor gave Experian without my consent, which is a violation of my rights. Experian stated that they sent a reinvestigation letter and notified the creditors. Creditors responded by just saying that they rejected my request for account deletion, without informing me the consumer of the process of their reinvestigation by following what the states the process should be. Experian failed to inform the consumer of their reinvestigation process and how an account and information on an account were reinvestigated, not asking for the validation of the consumer under 15 USC 1692g. The law states that only a consumer can validate a debt that I did not validate. This wrongdoing towards me, the consumer, has caused me to be mentally and physically injured, be denied credit, and affected my family and character. Experian stated that they mailed me the result summary on XX/XX/, 2022, which I didn't receive. Congress states that there isn't any evidence without testimonials, so I would like to know how a decision can be made without witnesses or testimonials or determine the accuracy of the information the creditors and the consumer reporting agency formulate a response. Down below will be a document and another reinvestigation letter I sent out to Experian. I asked what is the method of your verification as I stated above asking how this reinvestigation was conducted. Pursuant to 15 U.S. code 1681 ( i ) talks about the procedures in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I demand the immediate removal/blocking of the listed account due to identity theft, as mandated by FCRA 605B, within the specified time frame. Failure to comply will result in legal action, and my attorney is ready to hold you accountable for noncompliance. Take swift action and provide written confirmation of the resolution. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXBalance : {$0.00}. Please remove this account immediately.
Product: Student loan

I have asked PNC bank ( PNC bank student loan service XXXX XXXX XXXX XXXX pa XXXX contact XXXX XXXX XXXX phone XXXX ) to remove my name as co-signer from a student loan from 2017 for XXXX XXXX XXXX XXXX I have made repeated attempts over the last 2 years to resolve the issue with PNC bank. The loan was for XXXX disbursement date XXXX17. 
I received no benefit from this loan. I was under psychiatric care at the time and not taking medication. I was under duress from an abusive spouse that bullied me into signing the loan. 
I state that I was under duress at the time of the loan and wanted to follow a formal dispute process and have third party arbitration of the issue. I asked that they send me their dispute process. They have not and will not divulge the dispute process and will not remove my name as co-signer. They will not submit to third-party arbitration. 

Contacts at PNC I have had conversations with XXXX XXXX  - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX XXXX cell
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 reported to be removed.

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 XXXX 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!

Delete the late payments from my consumer reports