23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

On XXXX XXXX, 2016, I started a new job after being out of work for 3months. I paid {$1000.00} up front on XXXX XXXX, 2016 on my account to cover payments in between that time. I called the store daily, weekly, informing them of my situation. Talked to an associate, told them about the new job and changes to my paydays from bi-weekly to the XXXX and the last day of the month. On XXXX XXXX, 2016, two ( 2 ) payments were taken out on the same day even though we agreed on one ( 1 ) payment, but took out two ( 2 ) payments anyway. On XXXX XXXX, 2016, I went into the store and made a payment and told them again, that my paydays had changed to the XXXX and the last day of the month and please make this payment reflect on my account my payday change, again, I made this payment in person and talked face-to-face with an associate. At that time, the associate in store told me that my account was in good standing, and current, and that no additional monies would be taken out, but for me to come in on XXXX XXXX, 2016 with my paycheck stubs and she would take care of it. On XXXX XXXX, 2016, five ( 5 ) days later, another payment was taken from my account, which caused my account to be overdrawn, with a negative balance of {$450.00} and some change. I called the store about this the same day it happened and was told to come in with my paycheck stubs. I went into the store as instructed by the associate, and was told there was nothing she could do. She was sorry, she thought she could do something, but there was nothing she could do about it. I asked, " what if I call corporate myself '', she then said that their corporate office would n't help me either and probably wo n't even talk to me. She said if there 's money to be gotten, they 're gon na take it, no matter the circumstance or situation of their customer. 
I was not, and, am not trying to get out of my obligation to repay my loan. I took out this loan in good faith and they have been getting there money on time as agreed. The really sad part about all of this is that I have maintained communication with the loan company the entire time, I mean constant communication. But these companies, in no way, try and help during hard times, specifically when your in between jobs, as though your life does n't matter. I was told by an associate at the store locaton they did help me by giving me the loan, and it does n't matter what you 're going through, they want their money and will get/take it, by any means necessary
Product: Credit reporting

Inquires not authorized being reported on credit report 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
Product: Credit reporting or other personal consumer reports

I noticed that a XXXX  XXXX bankruptcy is reporting on my credit report without my prior consent. It appears that this information was obtained and reported without proper authorization. That is unfair! Obtaining and sharing potentially negative information without prior consent from the consumer is false and misleading. And the information is harming me. I am putting XXXX XXXX, XXXX, and Equifax on notice about the crime and demanding for the unauthorized information to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account referenced below under the identity theft laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is my second attempt to have these fraudulent items removed from my credit report. Despite my previous dispute, the account remains on my report, and I am requesting immediate action. 

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 XXXXXXXX XXXX XXXX XXXX These account does not belong to me and is the result of identity theft. I have never authorized this account, nor have I engaged in any transactions associated with it. As required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am demanding the immediate removal of all above fraudulent account from my credit report.

Additionally, under the Identity Theft and Assumption Deterrence Act, I request that you : Cease all collection activities on this fraudulent account.

Remove the account from all credit reporting agencies.

Provide me with all relevant documentation regarding the accounts origination.

Notify the credit bureaus that this account is fraudulent.

Provide written confirmation that this matter has been resolved.

Enclosed, I have provided supporting documents Failure to comply with this request may result in legal action under federal consumer protection laws. I expect a written response within 30 days from the date of this letter, per my rights under the FCRA. 

Please confirm receipt of this dispute and update my credit report accordingly. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX  sold my debt without any knowledge. I never received any paper work or mailing from XXXX XXXX  before the debt was presented to the credit bureaus from sca collections. I then requested verification of debt from sca collections and they sent me confidential appointment information that was provided to them without my consent. SCA collections then started calling and harassing for payment of this unknown debt after I requested proof. Both of these companies have violated my HIPPA rights and I ask that all of my personal information be removed from these companies possession immediately.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXX, US DEPT OF EDUCATION : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX. XXXX MN have been calling and harassing me about a collection in the amount of {$590.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit card

In XXXX of XXXX I purchased a " XXXX XXXX XXXX '' from XXXX XXXX with my Bank of America CC. The pass was to be used XXXX XXXX XXXX. Since the start date, the pass has not worked. There are never any flights available or if you are able to book a flight, the fees are so excessive ; its cheaper to book with another airline. I've tried to call, email, message XXXX  and there is no one who can or will assist. I also tried to go in person to the XXXX airport, and there is no one at the counter to assist. After exhausting all of my resources ; I contacted BOA submitted a claim which they placed a credit on my account and now XX/XX/XXXX they have added the charge back without any research. I know they have not tried to research or contact XXXX because there is no way to contact XXXX to validate the charge or dispute. Their response was " XXXX stated this is non refundable so we added the charge back ''. I have called bank of america over XXXX to only be placed on hold, transferred around, or simply hung up on, I should not be charged for a product or service which holds no value or can not be used. As a bank and credit provider, they are responsible for researching and following up on claims which they have not. I have an XXXX credit score and this is the only charge on my BOA account. This is the only item I have disputed, and they are not willing to follow up or research my claim. The XXXX  website shows over XXXX complaints for the same charge/issue I am disputing.
Product: Money transfer, virtual currency, or money service

A person supposed work for XXXX call me with my Account number and the amount we owe saying that if I dont make a payment tru XXXX XXXX will get electricity cut it off so I summit the payment and after that I fine out that I was a fraud
Product: Mortgage

My house was hit by a tree XX/XX/2018. My insurance company responded promptly. Being that damages were over 40,000.00 I had to sign the check over to Quicken Loans in XXXX Michigan, they received it ( according to their records ) XX/XX/2018, I sent it in XXXX. This is the beginning of my nightmare ... my insurance company gave me startup money in which I immediately hired a contractor. The roof was replaced and new siding reconstructed, All walls, cabinets and carpeting tore out, new electrical ruffed in and flooring fixed. Now Im out of money and have been since XX/XX/2018. 
I have been through six employees and one executive officer at Quicken Loans, sent all required paperwork six times which they continuously lose. My contractor has contacted them, sent them the same paperwork ( the paperwork trail is way too much to include here! ) and the copies of Georgia Law on homeowners can be their own contractor on house repairs or they would not have given me a building permit, and the phone number to our local Codes and Enforcement Office so that Quicken Loans could inquire for themselves! I have requested the interest on the monies they are holding and they stated it would be applied to my mortgage-as of yet it is not accounted for on my statements. 
My husband had a XXXX over all of this and XXXX! My insurance company should not at this point have to continue paying for our temporary housing Quicken should! A total waste of insurance money. All I want is to get my house fixed and move back home! This is a total violation of my homeowner rights and I have found I am not the only person this has happened to! And today I get another request for the same paperwork Ive sent them six times before! I am so XXXX XXXX I have lost weight to XXXX pounds and I am not in good health either with XXXX and no iXXXX XXXX. XXXX  causes XXXX flair ups so Ive been to the doctors to try and circumvent that.
Product: Mortgage

My lender Mr. Cooper offered to provide me with refinancing to pay off my debts. I agreed and was working with a loan officer. The loan officer requested an appraisal and recommended an appraiser for me.

I paid the appraiser and an appraisal was conducted. I was overseas working my on my way back to the State, as I am retiring from the service and explained that to the loan officer. He proposed to hold the process till I am back in in 3 months time. 
When I got back, the appraiser came to the house and saw my family and I. In his report to the loan company, he wrote that the house was empty. 
No matter how I explained the situation to the loan company they refused to listen to me and denied me the loan. Worst for me I spent money to pay the appraiser counting on the refinancing, and with my new retirement and short of money I was unable to meet my first monthly payment. The company charged fees for late and incomplete payments on the top of the problem they caused me. They refused to get the appraiser to look into his report. The same appraiser that they recommended themselves. My request to both the appraiser and the lender were ignored. The lender will finally said there was nothing the can do because the report said the house is empty, even though my family is living in the house permanently.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/year>, I have written multiple letters asking why is a company called XXXX XXXX showing an account on my credit reports. I have asked them directly to verify this alleged account and they have refused. This is not my account. 

XXXXXXXX XXXX XXXX Account # XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have been reporting inaccuracies in their information. 
I have filed a Federal Complaint Case # XXXX in the Central District Court XXXX
Product: Money transfer, virtual currency, or money service

Cash app was illegally not having a live person available when dealing with my discrepancies ( no customer service ) nor a live agent available
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). Experian is Reporting two different addresses on my credit report. 

2 ). Experian is Reporting multiple phone numbers that are not mines on my credit report. 


3 ). Experian is reporting a account on file that is not mines
Product: Debt collection

I am reporting Wakefield and Associates for violating the Fair Debt Collection Practices Act by failing to give notice of a debt. 

Under 15 USC 1692 ( g ), a debt collector must send the consumer written notice which describes the amount of the debt, the creditor and notice that the debtor has a right to dispute the validity of the debt within 30 days. Here, the debt collector Wakefield and Associates did not send me any notice of the debt at all. Consequently, I did not know Wakefield and Associates was attempting to collect a debt. Thus, Wakefield and Associates violated 15 USC 1692 ( g ).

Moreover, I did not have the ability to dispute the validity of the debt. This is concerning because I genuinely do not believe I actually owe this debt. If I was given the opportunity to dispute the debt, I would have asked Wakefield and Associates to prove this debt is not barred by the statute of limitations, that I actually signed a contract binding me to this debt and that my insurance did not fully cover this medical expense. Wakefield and Associates likely did not provide me the opportunity to dispute the validity of the debt because they know they can not validate the debt.

Under 15 USC 1692 ( l ), a debt collector who violates the Fair Debt Collections Practices Act is liable for {$1000.00} and attorney 's fees and costs. Here, Wakefield and Associates violated the FDCPA when they failed to give notice and an opportunity to dispute the debt. I will be filing suit against Wakefield & Associates, a Colorado LLC, and serving process on XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please let me know if the name of your corporation or your registered agent is incorrect.

However, I am willing to settle this claim today. I agree to refrain from pursuing my meritorious claim against Wakefield and Associates in exchange for a complete discharge of this alleged debt, a release from all claims that could accompany such debt and removal of the unpaid debt report from all credit bureaus , credit reporting company or any other company which collects this information determine the credit score attributed to my social security number. This settlement offer expires within 30 days of receipt.

Thank you for your cooperation. I look forward to resolving this issue and arriving at a fair, just outcome.
Product: Credit reporting or other personal consumer reports

On XX/XX/, my Demand for Arbitration dated XX/XX/2024, ( see attached supporting document ), was delivered to Equifax Information Services, LLC ( Equifax ) via USPS certified mail with an electronic return receipt requested. 

On XX/XX/, instead of initiating my Demand for Arbitration, Equifax erroneously processed my documents as a dispute ( confirmation # XXXX ) against the XXXX XXXX XXXX. 

On XX/XX/2024, Equifax completed their investigation by stating the disputed item is not reporting on the Credit File. Of course, the XXXX XXXX XXXX is not reporting on my credit file as I was not initiating a dispute AGAINST the XXXX XXXX XXXX, I was notifying Equifax that I am initiating arbitration WITH the XXXX XXXX XXXX regarding an alleged public record ( bankruptcy ) that Equifax is reporting on my Equifax Consumer Credit Report. 

On XX/XX/, I reached out to Equifaxs, Office of Consumer Affairs and spoke with XXXX. I advised XXXX of Equifaxs error. XXXX appeared to not understand the issue and I requested to escalate the matter to a supervisor. XXXX claimed that she does not have a supervisor and that she has the final say at Equifax. I re-explained the situation to XXXX and again felt that XXXX did not comprehend my Demand for Arbitration. Based upon XXXX disrespectful attitude and lack of knowledge regarding the arbitration process, I do not believe that my Demand for Arbitration is being taken seriously by Equifax. This communication shall serve as notice that my Demand for Arbitration is, in fact, very serious and I expect that, according to Equifaxs Terms of Use, Section XXXX, this matter will be treated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Affirm Inc XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Account Number : XXXX Account Number : XXXX 15 usc 192c ( c ) That law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice inaccurate and incomplete items on my account from XXXX, XXXX, AND EXPERIAN  and sent them dispute letters regarding the negative items they are reporting on XXXXi haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Product: Debt collection

After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
Product: Mortgage

My mortgage servicer, Wells Fargo, did not give me a monthly statement in XXXX 2015 nor thus far in XXXX 2015. I never received a coupon booklet either.
Product: Credit reporting or other personal consumer reports

15 USC 1681 FTC Experian Data Breach Ive been trying to get information about charges that I havent made and why its there. No response. I just got a settlement email. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature!

Experian has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXXXXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THOSE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Debt collection

A person called me claiming he was law enforcement telling me I owed XXXX. The guy 's name was XXXX from XXXX from XXXX ext XXXX person said I owed on an XXXX I never had. He threatened to sue me and ruin my life. He was very rude, intimidating and told me I need to give him XXXX to make it go away. I told this person I did n't have a card in years. He hung up called my job and tried to get them to garnish my wage without any information, paperwork, or phone number because he said he could do what he wanted and did n't need it. He must have pulled this scam before but my job hung up on him and that is why I am contacting you. another person at XXXX called to do the same thing a week before. Claimed to be from XXXX asset management guy named XXXX XXXX ext XXXX. I am tired of these con artists and have no clue who these people are and how they got my information but I am filing this complaint to stop this type of crime. If it can happen to me it might be happening to someone else. I am not paying people who refuse to identify themselves, have false claims, and is trying to shake me down for money I do n't have