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

The Even app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, Even has experienced technical glitches which did not allow those deductions to take place. For my pay period ending XX/XX/XXXX a deduction in the amount of {$940.00} was supposed to take place and it did not. After speaking with Even support, I was assured that the issue was resolved so I borrowed from myself again in the amount of {$340.00}. Now for my pay period ending XX/XX/XXXX neither the {$940.00} or the {$340.00} was deducted. I was told again that this money will be taken out of the next pay period. Unfortunately, this puts the grand total at {$1200.00}. My check will not cover that amount which means that this company will deduct my entire paycheck leaving me with zero for at least 2 weeks. I know that with garnishments, a company can not take more than 25 % of an employees take home pay and although this is probably not considered a garnishment, perhaps leaving a person with a zero balance on their paycheck is unethical. I have informed Even that this has caused a financial hardship on me as my rent is due on the time in which they plan to leave me with no money. Although it was their company 's fault, Even has not offered any reasonable solutions. As per my employer, there were 998 people affected by this. That's 998 lives affected. 998 people who will work and go without a paycheck for 1-2 weeks. I tried offering them a payment plan and they said they need full payment. They just do not want to work with me towards a reasonable solution. I have informed them that as of XX/XX/XXXX I officially revoke my authorization to deduct an money from my future paychecks. I can only hope they acknowledge and obey this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original balance {$740.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$24.00} ), XXXX ( Date Opened : XX/XX/XXXX, Original balance {$4400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On or around the following dates, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I respectfully requested to be provided proof of the alleged items listed on my credit report, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed items are entirely inaccurate and incomplete, and as such represent a very serious error in their reporting. 

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: Checking or savings account

Request for Processing Debt Security and Assistance with Debt Discharge and XXXX Dear JPMorgan Chase, I trust this leYer finds you well. I am wriWng in response to your leYer dated XX/XX/XXXX, regarding Reference Number XXXX, associated with my business, XXXX XXXX XXXX XXXX XXXX 
Firstly, I acknowledge that the iniWal documents I submiYed were incorrect. The first document reflected an amount of {$150000.00}, while the second document, now established as a promissory note, correctly represents the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {>= $1,000,000} ). I have confirmaWon of the receipt of this promissory note through registered mail, as verified by XXXX, who informed me that it was sent to the appropriate department for review and subsequently denied. 
I would like to bring to your aYenWon  the legal implicaWons of refusing my tender of payment, as per the UCC 3- 603. TENDER OF PAYMENT. By refusing the tender, you may be in default, leading to the discharge of the obligaWon of an indorser. I have sent the instrument in good faith to discharge a debt, and the refusal of payment has triggered this legal consequence. 
Furthermore, I draw your aYenWon  to the UCC 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. This secWon emphasizes that a person enWtled to enforce an instrument may discharge the obligaWon of a party to pay by intenWonal voluntary acts or by renouncing rights against the party through a signed record.

AddiWonally, the trust agreement between the Small Business AdministraWon and JPMorgan Chase, specifically on pages XXXX, XXXX, and XXXX, outlines the obligaWons and responsibiliWes concerning distribuWons, registraWon of transfers, and the fiduciary duWes. It appears that there may be non-compliance with these obligaWons, potenWally violaWng the trust indenture act of 1939 and regulaWons under the securiWes exchange act. 
In light of these concerns, I request your immediate aYenWon to the processing of the debt security and assistance with the debt discharge and renunciaWon. I believe that a fair resoluWon can be achieved through open communicaWon and cooperaWon.

I appreciate your prompt aYenWon to this maYer. Please provide a comprehensive response at your earliest convenience. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Goldman for help related to transaction disputes in the amounts of {$97.00} and {$43.00} with the merchant Apple. Goldman issued temporary credits while the account was in review. Apple issued the refunds that were posted to the account on XX/XX/XXXX. After Apple  issued the refunds and the bank Goldman reversed the temporary credit, my account balance should be XXXX. However, the bank Goldman sent me a statement for XXXX XXXX XX/XX/XXXX requesting payment in the amount of {$140.00} for the dispute reversal. I do not owe that amount and I'm not paying it. This is my 3rd attempt trying to resolve this issue amicably. Seems as if this matter will have to be litigated.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am sending this complaint due to the fact I have reach out to XXXX Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted to put in a complaint about the hard Inquiries that are affecting my  credit score  I have not given authorization to half of these lenders. Please have them remove From my credit report.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Team, I am writing in response to your recent communication regarding my dispute concerning the address XXXX XXXX XXXX XXXX, XXXX, PA. In your response, you mentioned that the address could not be removed as it was linked to a credit collection account. I would like to bring to your attention additional information that supports the assertion that this address is associated with fraudulent activity. 

As previously stated in my initial dispute letter, I have provided evidence and legal documentation proving that the collection account linked to the address XXXX XXXX XXXX XXXX was the result of fraudulent activity. I have appeared in court to dispute the validity of the collection account, and the case with XXXX was resolved in my favor, confirming the fraudulent nature of the account. 

Enclosed with this letter, please find the relevant documentation, including court records and any other supporting evidence that further substantiates the fraudulent nature of the collection account linked to the aforementioned address. 

I kindly request that you conduct a thorough re-evaluation of this matter, taking into consideration the legal resolution of the fraudulent collection account. Given the resolved nature of the case with XXXX, I believe it is appropriate and necessary to remove the associated address from my credit report. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. 

Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. ( I provided documentation that all other departments already removed the address ) Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Thank you for your attention to this dispute, and I look forward to a swift and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the company I hired to fixed my credit they request deleted applied bank Acct first the account is charge off and was opened XX/XX/XXXX is more them 7 years in my report, what I need is deleted to not affected my score any more. 

Thank XXXX XXXX
Product: Money transfer, virtual currency, or money service

Firstly, I contacted Coinbase on XXXX2018 for my issues with withdrawing funds, then we identified my problem and they said that I will be contacted by their technician, but that did not happen until today.
Product: Debt collection

I had a debt with XXXX XXXX for cable a few years ago. All of a sudden, a Amsher collections services, was saying, I owe them. I never gave them my personal information or signed anything with their company.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX,, XXXX XXXX XXXX : {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You were good enough to correct Trans-union 's refusal to allow me to access my credit file. They listened and granted me access. For a short time. Their original excuse was that something needed upgrading/system was down, etc., well here we are again. 

TU again refuses to allow me to log in here : https : XXXX so I try again. 
Then I go to the " forgot my password '' page here : https : XXXX? 

But that page does not accept the information I provide and just goes back to the beginning. 

Please help as I am working very hard to amend discrepancies. Trans-union has always been difficult and unresponsive in my experience and that of others I engage with. I'm sorry to have to come to you about this Again.
Product: Credit card or prepaid card

On XX/XX/2020, I visited the SEARS on XXXX XXXX in XXXX XXXX, CA to make my payment. Unfortunately, the store closed. This store has been here in our community for over 30 years and is how I make my payment every month. I later made arrangements to make the payment via the internet. I've been a sears client for a very long time. I reached out to sears customer service but they did not help me what so ever. I was charged a late fee of {$28.00} On XX/XX/2020, I was on hold with Sears to discuss this matter and to make my XXXX payment. I was on hold for over 2 hours. My phone died and was not able to drive home on time to use my computer and make my payment on the internet. I was charged yet another late fee of {$28.00}.
Product: Checking or savings account

In XXXX of XXXX  some one hacked in to my Wells Fargo account and stole XXXX there for I called them and spent XXXX weeks trying to get my money back. In the mean time they took my car payment money to cover those cost. Not only was my payment late it made a bad mark on my credit. After all they all I got was sorry you been hacked and it was my loss nothing they could do about it. I even told them to go back and listen to where they had recorded the conversation.
Product: Debt collection

I was checking my credit report with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX like I usually to do and I noticed that my score was down 27 points. I went to check the reason because for me my credit is very important and I paid on time but I found a Debt Collection on my report from I.C. System Inc., for the amount of {$6300.00} linked with XXXX XXXX but I never had XXXX services so I make a phone call the Collection Agency at that moment ( XXXX ). They asked me for my name, social security, date of birth, address and phone number that I provided and I denied this transaction with XXXX and explain to them that I never had this service. The representative told me that my address doesn't match either my phone number but my name, social security, and date of birth matched. They had on their records XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the phone number linked with this account is XXXX data that I do not recognize at all. They filed a case of fraud and identity theft with Reference # : XXXX. Immediately after I went to file an Identity theft report with the XXXX XXXX Police Department where I live since XX/XX/XXXX and they filed a report for fraud and identity theft case # :XXXX and because of jurisdiction issues I have to report the city linked with this fraudulent transaction I called to the XXXX XXXX Police Department after and they filed a report for fraud and identity theft with a case # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX/XXXX  '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my Equifax report, they claim they verified it as accurate, however did not provide original documentation with signatures and identification proving ownership! Also the accounts are showing as open while being a collection!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX 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: Debt collection

I have previously sent you a request to validate my debt, for the following account numbers, on XXXX XXXX XXXX : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XXXX of 2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.
Product: Checking or savings account

Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 united auto credit co made an inquiry that was unauthorized by me I contacted them and they told me it will be removed within 30 days It has been 120 days and it is still on the report. 


XX/XX/2021 XXXX XXXX made an inquiry that was unauthorized by me I have been unable to contact them at all to talk about why it has happened.
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$10.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 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

On XX/XX/XXXX my Apple card was compromised I contacted Apple support and informed them, and they closed my account and said I had XXXX liability. I continued to make payments until it was clear my account was completely closed. My account was closed in XXXX of XXXX. As of XXXX of XXXX, Apple started reporting me to the credit agency negatively without any written notification. I asked them to verify my address and they had the wrong address on my file as well. I contacted them regarding the issue, they informed me that they would correct it, all to just report the account as charged off as of XX/XX/XXXX