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

I took out my first ML Lion late last year. It was a {$500.00} loan, where {$120.00} was disbursed to me and {$370.00} put into a credit reserve. It states VERY clearly on the page where you apply that if you make your on-time payments on your loan that you will receive a higher amount for your next loan and more money available upfront as opposed to in reserves. I pay my {$20.00} a month for their service on top of the loan, made every single payment on time, paid off the loan, and then applied for a second loan. Received an identical offer. Figured that I needed to just establish more payment history and maybe would receive more, so I accepted it XXXX same splash screen that said " receive a higher loan offer/amount if you make your payments on time '' ), made every payment on time, paid it off. Went to take out a third loan and now received less money. Paid it off in full and am now receiving less again. 

I reached out to support XXXX times and opened a support ticket that has been ignored. The first two agents told me that they were escalating to engineering for review and I would receive contact in 3-5 business days. That timeframe came and passed and no one contacted me. It bears noting that I have been told at least 15 times over the years in relation to either my investment account, loan, or checking that I would be contacted by engineering and no one ever has. I think that it is an internal joke that they use when they don't know how to help a customer. 

My credit score has improved over 100 points since I took out my initial loan, I have paid off 3 loans in full with 100 % on-time payments, and paid them {$19.00} per month for the luxury of this service ( getting a measly {$100.00} every few months ), yet they are offering me less money now than before. 

The agents are now telling me that it is because my linked bank account doesn't have enough money coming in to qualify for me. This doesn't make sense for several reasons : - I receive over {$7000.00} on average per month in direct deposits, so I don't know how anyone could get a loan of more than {$100.00} in that case - Their own loan application splash screen says NOTHING about the money in your account, it is very clearly stated that on-time payments will drive a  higher loan amount with less in escrow The bottom line is that their app and website both mislead consumers into taking out a loan that will improve their credit based off of payment history and provide higher amount loans in the future, but if you actually use the product, you are spending a ton of money on miscellaneous fees on tops of the advertised APR and when you go to try to receive a higher loan, they will give you the run around and myriad excuses as to why they can't without any underwriting process or true explanation. 

I am also still being charged the {$19.00} per month for the loan service even though I do not have an active loan.
Product: Debt collection

I am filing this formal complaint against IC Systems regarding their unlawful handling, collection, and reporting of an alleged debt. This agency has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC ). 
The actions of this debt collector have resulted in inaccurate reporting, harassment, and monetary harm, severely impacting my ability to access essential credit. 

Violations and Legal Breaches : 1. FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must maintain maximum possible accuracy in reporting. The continued reporting of an unverified or incorrect debt violates this standard. 
2. FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers of credit information ( including debt collectors ) are legally obligated to investigate disputes and correct or delete inaccurate information. No proper investigation or correction has been conducted in this matter. 
3. FDCPA 15 U.S.C. 1692e & 1692g : It is unlawful for a debt collector to use false, deceptive, or misleading representations in connection with the collection of any debt. I have not received a proper validation of the alleged debt, as required under 1692g. 
4. UCC 3-603 & 3-311 : According to the UCC, when a debt has been satisfied or disputed in full faith, or no legal obligation is proven, the debt is considered discharged. Reporting or collecting on a discharged or unverified debt is a commercial violation. 
5. UCC 1-308 Reservation of Rights : I hereby reserve all rights under UCC 1-308 without prejudice and do not waive any rights by engaging in this complaint. 

As a result of these violations : I have been wrongfully denied financing for major life necessities, including a home and automobile. 
My credit score has been damaged based on invalid or unverified information. 
I have endured emotional distress and financial losses due to unlawful collection practices. 

1. Immediate Deletion With Prejudice I demand the complete and permanent removal of this account from all credit reporting agencies ( Experian, Equifax, TransUnion ), as it is inaccurate, unverified, and harmful. 
2. Cease & Desist Further Collection or Reporting All further collection activities or attempts to reinsert this item on my credit report must cease immediately under penalty of law. 
3. Full Investigation by the CFPB I am requesting the CFPB conduct a thorough investigation into this debt collectors practices and compliance with federal and commercial law. 
4. Monetary Relief and Compensation Due to the adverse impact on my financial well-being, I seek monetary compensation for the harm caused, including denial of credit, lost opportunities, and emotional distress. 

This complaint is submitted in good faith, I trust the CFPB will act swiftly to ensure this matter is resolved and my consumer rights are upheld.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I used the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as prescribed by the legislation, to formally inquire with the credit bureaus - specifically, TransUnion, XXXX, and XXXX. In response, TransUnion sent me a letter dated XX/XX/year>, acknowledging the receipt of my request but expressing concerns regarding its authenticity, implying that I may not have initiated or authorized it. They recommended that I either contact them by phone or visit their website to dispute the accounts, essentially bypassing the FCRA 609 Letter process. My letter, sent on my official letterhead, emphasized specific areas in my credit report that needed review, included five forms of identification, and made specific demands in accordance with the FCRA 609 Letter guidelines. 

On the other hand, XXXX confirmed the receipt of my FCRA-compliant letter and detailed their plan of action, adhering to legal requirements. I sent identical documents, including bureau-specific credit reports, to all three bureaus via certified mail. When I contacted TransUnion to seek clarification on their lack of acknowledgment of my FCRA 609 Letter, their representative urged me to provide disputed account details over the phone and firmly directed me to follow the instructions in their letter, which appeared to circumvent the FCRA 609 Letter process. I vehemently declined this alternative approach. 

On XX/XX/scrub>XXXX XXXX XXXX I submitted a complaint through TransUnion 's customer email address, promptly receiving a ticket number. As of the time of filing this complaint, I have yet to receive a response from TransUnion. 

Attached, you will find the following documents : 1. A copy of the FRCA letter sent to TransUnion ( and the two other credit bureaus ) 2. A copy of the letter I received from TransUnion in response to the FRCA letter I sent 3. A copy of the email sent on XX/XX/XXXX to TransUnion regarding this issue. A ticket number was assigned, but I have been unable to get any response to my issue from TransUnion
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payment is inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXXThe late payment is reported dated XX/XX/year>,. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account.

Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Payday loan, title loan, personal loan, or advance loan

Someone stole my identity and made a payday loan online in my name. I did not do this. Now my checking account is being charged {$500.00} per month for this loan. I'm not sure when this started. I just found it on the XXXX of XXXX when I applied for a loan at my bank! 
My bank did put a stop payment on the withdrawal this morning but until I can get this account closed, I'll have to do this every month at the cost of {$30.00} per request. 
I've filed a identity theif report with my police department and it will take XXXX to get the paperwork back.
Product: Mortgage

Our loan was transferred to Newrez and shortly after they were unable to verify our homeowners insurance, therefore they placed a lender insurance policy. In XXXX, XXXX, and XXXX of XXXX  we contacted them multiple times offering to provide a copy of our insurance ; however, every method of submission the company claimed they did not receive it. We sent multiple emails provide to us by customer service, used the desktop app to submit, and even submitted through a portal online. Fast forward to XX/XX/year> we requested that newrez close the escrow account they opened, and stop forcing us to put funds into the escrow account. We were told it is required of our loan ; however I assured them that is not true. We called multiple times, often the customer service agent would not transfer us to a supervisor, and were finally told the escrow account would be closed, the escrow funds returned to us. XXXX I called three times, still not completed, then was told the request was submitted incorrectly. XX/XX/XXXX I called and spoke with a supervisor who stated the initial request was submitted incorrectly, and will be resolved in 30 days. I even submitted a formal request online in writing. XX/XX/XXXX came, still not resolved, We called again multiple times, still being FORCED to make the additional payments in ESCROW. Today XX/XX/XXXX this still has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. XXXX is reporting XXXX Equifax is reporting XXXX. 

Furthermore Equifax is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also The XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.
Product: Mortgage

My XXXX payment was processed on XX/XX/2020. The company 's response is that they received a payment on XX/XX/XXXX and then a phone call asking for the payment to be reversed. If that is the case then there is an unauthorized user on my account. I did not call and ask that a payment be returned to me, I have no record of a payment on XX/XX/XXXX. I am concerned that there is a problem with account security or the company is mixing up my account with another. I first submitted a complaint because I was receiving communication about a missed payment when their automated system had record of the payment and I confirmed the funds were collected from the bank on XX/XX/XXXX. The company 's response is not matching the bank drafts. I have never had a late payment. I would like a detailed account history and the company to research this payment that they state was made XX/XX/XXXX as well as where they sent the payment they state they reversed. I have not received any such reimbursement nor have I requested it. If there was a disbursement made on my account I am requesting that they provide information on who the disbursement was made to, where it was sent, and how they could release such payment without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Product: Mortgage

I filed for bankruptcy, and the company has retaliated by blocking me from accessing my account. I am no longer able to check when payments are due, how much is due, tax information, payment history, or anything else. They refuse to send statements, so I can't get the information there either. Without having this information available, I am at risk of losing my home, and that is their whole purpose in denying me access to MY information. Contacting then numerous times has had no results. They are also violating Federal Bankruptcy laws by retaliating.
Product: Credit card or prepaid card

My CapitalOne XXXX XXXX charged me for a transaction I disputed and paid using another payment method, even after several attempts to explain and document share using secured link and through Mail and several Calls. 

Now they started charging me Late Agee for the same, for that transaction which I categorically denied and disunited. 

Please kindly help, its a huge amount of - XXXX $ I can provide all other documentation I shared with CapitalOne besides the uploaded documents as required. 
Thanks & Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Monthly charges ( {$17.00} ; CA XXXX ) for services no longer rendered more than 13 months incorrect billing I reached out to Experian in XX/XX/XXXX and they advised they were unable to locate an account under my name and account reference as it appears on my credit card statement ; however, Experian will not stop billing. In XXXX Experian began charging {$19.00} under the same reference number on my statement and no matter what I do in raising the issue with the firm, I am unable to get it resolved.
Product: Mortgage

Received a bill from my homeowners insurance asking for payment. Come to find out our home owners insurance company XXXX has reached out to the loan servicer on two different occasions, XX/XX/XXXX and XX/XX/XXXX to pay the home owners insurance through our impound account and the mortgage company has failed to comply, Freedom Mortgage. The premiums on my home owner insurance is for the period of performance XX/XX/XXXX to XX/XX/XXXX. I am currently lapsed in my home owner insurance because Freedom Mortgage has not made the payment. It appears the insurance coverage department at Freedom Mortgage is only open Monday-Friday, but the loan Department is open Monday-Saturday and can not handle making the payments for insurance only work payments for the mortgage.
Product: Debt collection

A man claiming to work for a office of XXXX XXXX and associates called my work and harassed me for a debt I dont recall over 5 years old. Called him back to ask to stop and he continued to threaten calling my works ex owner, bosses and others when I asked for proof and paper work. When confronted on why he was using a masked number he became very aggressive and agitated. He continues to threaten people who have nothing to do with said issue in hopes to make me pay something and go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is still not correct! With all 3 credit bureaus! Yes XXXX  and XXXX  added my name in full but did not add XXXX. As a suffix. My first name is XXXX XXXX is XXXX XXXX or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX  bank line of credit is only showing up on trans union not on XXXX  or XXXX. XXXX XXXX credit card is only showing up on XXXX. Not on XXXX  or Trans Union. Also your companies blocked my auto loan from XXXX XXXX XXXX. Trans Union was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX  card inquiries for the last time still on here.
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.This account is not on any other credit report. I have disputed this account over 3 times. Each time, I did not receive a response. It's been over 90 days. They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.