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

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1604 section 2 states a consumer can not report an account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently asked Trans Union, XXXX, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. Trans Union has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

I had fraud on my account in excess of {$5000.00} that was done when I lost my debit card. I even filed a police report with the XXXX police and submitted the police report number with my fraud claim. Only today I get an e-mail telling me my claim was denied for " Other '' reasons they determined the transactions were legitimate, without an explanation of how they came to this conclusion so because of that I was unable to tell them why they were wrong and was simply stone walled when I tried to talk to somebody after my claim got denied.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account has refused multiple times to verify that this is mine. They call all the time.
Product: Debt collection

I tried to fix this problem with this company on XX/XX/XXXX.I sent him a formal request for investigation for information that is not mine. An invalid item which do not belong to me, was found on my credit report. I've done the hard work, checking accounts against records and this account is not mine. So I want that item to be removed from my credit report.Please help me to solve this issue because it is not fair that this negative item is being reported if its not mine. 

The accounts I am writing to you about is listed below : 1. CAVALRY PORTFOLIO SVCS   account # XXXX, Placed for collection : XX/XX/XXXX, balance : {$11000.00}, status : In Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT XXXX ON XX/XX/2021, TRANSUNION ON XX/XX/2021, AND XXXX ON XXXX.IT HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.
Product: Credit card or prepaid card

UPDATE - THEY SENT ME A REFUND CHECK BUT NOW ARE CALLING ME ABOUT LATE PAYMENT AND INTEREST - THESE HAVE GOT TO BE THE STUPIDEST WORKERS IN THIS WORLD!!!!!!!!!!!!!! DO NOT HARRASS ME I MADE A PAYMENT ON THE XXXX OF XXXX ( details already below from a PREVIOUS COMPLAINT ) Comenity REPS numerous ones told me they would fix this. Instead they sent me a REFUND CHECK for the payment due on my account. I WANT THEM TO REVERSE ANY CHARGE ON THIS CARD SO I CAN BE DONE WITH THESE IDIOTS!!!!!!!!!!!!!!!!!!!! 

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXXXXXX XXXXt separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXX XXXX XXXX XXXX  card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2020, I received copies of my credit reports with Experian, XXXX and XXXX. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to XXXX and Experian with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, XXXX  and Experian refuse to look into my request.
Product: Debt collection

ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. 

I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. 
documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.
Product: Debt collection

This this account has been paid in full with the original predator. However, the debt collector continues to contact me about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX XXXX came out to do a home check to see if we would qualify for Solar Panels. After telling us we qualified and rushing us through the contract process he left. Days later on XX/XX/2021, we received an email from Sunlight Financial saying they were our lender for the Solar Loan approved by XXXX XXXX XXXX XXXX XXXX XXXX. They sent us terms we never agreed to via email. XXXX XXXX XXXX used our Signature and Initials from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract on the Loan Application with Sunlight Financial without our approval or knowledge that it was even taking place. We never saw the information on this loan application such as annual income or marital status we have no idea what information was even put on it. Sunlight Financial gives me the run around, transferring from department to department telling me it is the Originations Department that handles this process, yet no one seems to have heard of that said department and will not send me a copy of the loan application I requested. After reading the terms I see the payment will increase automatically, this is another term we were unaware of and did not agree to. This lender is another fraudulent company working together with XXXX XXXX XXXX XXXX XXXX XXXX and using Predatory Lending Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX has recently filed for XXXX  XXXX Bankruptcy listing us the customers as creditors on the public bankruptcy file. Leaving us and many other customers with faulty equipment, empty promises on the return rate of our solar energy ( paying double on bills as our electric bill has not lowered as promised ), warranties no longer valid, thousands in debt to lenders still seeking payment. Sunlight Financial needs to be investigated many Attorney Generals from several states are now filing class action lawsuits as well. The lenders involved including Sunlight Financial should be forced to stop all payments, issue refunds and this should not affect the customer 's credit history. 
We the people are seeking justice for fraudulent criminal activity. Thank you in advanced for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax and XXXX Reporting Bureau, a while back I disputed some issues on my credit report. I requested my annual credit report and could not get it from either one. I later found that Equifax has a Credit File Status Blocked for Promotional Purposes. I was not told what this means and had no contact from either company. I am using XXXX XXXX XXXX XXXX and they been fantastic, but I wonder are the credit companies punishing me for challenging or making a dispute? There has been no follow up whatsoever when I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXXXXXX XXXX sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a XXXX party reporting agency LexisNexis and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a consumer I have contacted the matter at hand. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The XXXX XXXXXXXX does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.
Product: Credit card or prepaid card

applied for American Express XXXX XXXX and after spending the promotional offer I didn't receive the bonus points and they still charged me the annual fee for no benefit
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

I am writing to express my extreme frustration and concern regarding the delay in my direct deposit, which was released by my employer on XX/XX/year>, as it always is. I am always paid on Thursday evenings, but as of Friday, XX/XX/year>, I still have not received my payment. This delay is causing significant issues for me, as I can not pay my rent or bills without it. 

This delay is negligence on your part, and I believe your failure to process my direct deposit should result in compensation for my time, any late fees, and a breach of contract. I worked hard for this money, and your failure to process the deposit is unacceptable. 

I spent over an hour on hold trying to speak with a representative who offered no assistance. She repeatedly told me that there was no direct deposit on your end, and that it would likely come through eventually. Meanwhile, I used a second phone to access your chat function, and I saw that your team is aware of an issue. In the chat, I was informed that there was a delay, but when I asked for clarification regarding the message stating, Our team is aware of an issue that may delay direct deposits and were actively working to resolve this, the representative I spoke with, XXXX, could offer no further information and stated that you do not have the funds available. 

It is clear to me that I have been lied to and misled throughout this entire process. Your customer service has been atrocious and has only served to waste more of my time while withholding my earned income. I have proof that my employer released the funds on time, and my coworkers have all received their payments as expected. 

This situation is not acceptable and will not be tolerated. I expect immediate resolution and compensation for the time and inconvenience caused. If this issue is not addressed promptly, I will be seeking legal recourse. 

Please respond as soon as possible to confirm the status of my direct deposit and to arrange for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX is violating my consumer rights to privacy and fairness by having this negative collection accounts on my credit report. I never gave authorization for the credit bureau to put the negative accounts on my credit report. XX/XX/XXXXand EQUIFAX are treating me unfairly and being impartial toward me by maintaining these negative accounts on my credit report. EQUIFAX Credit bureau are in violation of 15 USC 1681 ( 4 ) ( b ) which states : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account must be deleted immediately because EQUIFAX is violating the law.
Product: Money transfer, virtual currency, or money service

To Whom it May Concern, On XX/XX/2022, I received a call from what appeared to be our electric company XXXX XXXX, or commonly known as XXXX. 

A threat of electric disconnection unless immediate payment was transmitted via XXXX. 

I was provided 2 property addresses of buildings we own including the XXXX account numbers. The accounts were temporary because the units were empty. The electric accounts were in our names as landlord. 

I followed instruction and made 2 electric transfers to 2 XXXX accounts totaling {$860.00}. 

This turned out to be fraudulent. Not a scam but fraud. Somehow the caller had private XXXX account information, property addresses and name on the accounts. Had this info not been provided, I would have never made the electronic payments. 

With XXXX, there is no safety net. Once transmitted, the funds can not be reversed. 

I immediately contact Chase Bank fraud department. Followed up with 1. The IL Commerce Division, 2. The Office of the Comptroller, 3. The IL Attorney General, 4. The Special Financial Crimes Unit of the XXXX Police Department. Your department is the 5th authority pursed concerning this matter.

A 40 minute discussion with the XXXX Police Department Financial Crimes Dept revealed that the police will never prosecute Chase Bank. They simply explained that the man power does not exist. They said, we are lucky that such a small amount was stolen. 

We are not the only citizens to experience both fraud and scams using XXXX electronic payments. 

If XXXX digit is incorrect and funds are transmitted, there is no reversal available to the public. 

Unless a unified effort is garnered to regulate the 5 banks that own XXXX, unknown how many other banks offer XXXX, such financial fraud will continue against the unknowing public. 

We are respectively requesting a unified effort by all agencies to regulate or file litigation against the banks that control XXXX to create a safety net to reverse funds when using XXXX to transmit funds for any payment when fraudulent or a scam. 

The case # for the Office of the Comptroller of the Currency is # XXXX. 

Kindly let us know that this letter was received, if any further investigation is warranted and whether or not litigation against the banks that created and control XXXX electronic transfers would be pursued. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report due to a data breach that has compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that these accounts be removed to prevent further harm and to maintain the integrity of my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and came upon unauthorized collections and inquires under my name and would like these removed off of my credit as I have the right under the fair credit reporting act I will list such collections and or inquires below. experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of XXXX {$2.00}. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX balance of XXXX $ - XX/XX/XXXX balance of XXXX $ XXXX XXXXXXXX XXXX- XX/XX/XXXX balance of XXXX {$5.00}. XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX balance of XXXXXXXX XXXX XXXX XXXX. XXXX XXXX- XX/XX/XXXX balance of XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance of XXXX {$10.00}. XXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX XXXX of XXXX $ And as The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This act ensures that consumers have the right to access their credit information, dispute inaccuracies, and be informed about the use of their credit data. Under the FCRA, individuals are protected from unauthorized or inaccurate information being reported on their credit reports. In my case, the items currently listed in collections were not authorized by me, and I believe they are inaccurate. This unauthorized reporting has negatively impacted my credit score, and I am taking steps to dispute and correct these errors in accordance with my rights under the FCRA.