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

On XX/XX/22 I went online to explore a short term loan as my funds would not be available from a deposit I had made until XXXX. I first visited national small loans, but in working on the application when I came to understand the terms of the loan I chose not to proceed. I received an email notification from them indicating the need to sign the application to proceed and intentionally did not, as I chose to go with another lender. XXXX when I checked my account a deposit of {$500.00} had been made to my checking account. I called and attempted to speak with someone to notify them of the unauthorized loan and coordinate the return of funds and was advised the representative could not help me and I would have to wait until the billing department reached out to me, but they could not indicate when this would be. I then forwarded the email to them that showed I had not authorized the loan and indicated I wanted to resolve this and have not had a response. I researched and found numerous complaints in the XXXX XXXX XXXX  of similar experiences of the provider in question depositing despite the loan not being authorized. I called and filed a complaint with the FTC # XXXX, and upon their encouragement have contacted my bank that reports they can not reverse the deposit. The FTC advised that I not contact National Small Loan further at this time and contact the Consumer Financial Bureau regarding the need to end this loan that was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/201XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about a late payment on my Wells Fargo Credit Card account that was 30 days late on XX/XX/2018 for the amount of {$26.00}. I was never notified or informed that my account was past due. My previous card on file was cancelled for fraudulent charges and I was issued a new card. My new card however, did not have my automatic payments set up and I was never notified that my card 's bill was due or when it was past due. No telephone calls, letters, or emails were sent to me. There has been a mistake here. I have been doing business with Wells Fargo for almost 11 years without a single late payment on my record until now. I would love to continue to do business with Wells Fargo but if this late payment is not removed from my account, I will have to stop doing business with Wells Fargo immediately. I would love to continue our relationship moving forward and have this dispute resolved. The complaint is about Wells Fargo and their information is here : WELLS FARGO CARD SERVICE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX
Product: Student loan

My PSLF payment tracker is missing the payment history from XXXX. I contacted Navient and obtained my complete payment history, including the payments made during the above mentioned timeframe. I submitted the documentation to XXXX and studentaid. It has been six months since I submitted the docuementation to the Department of education studentaid.org. There has been no movement or communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an issue I have had with Comenity Bank. I have a Victoria Secret, Ulta, Express , & New York & Company card with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is Victoria Secret. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inquiries made that I do not recognize. I do not recall inquiring with those companies.Several of the inquiries were made on the same date.I have placed a security freeze on my credit report for precautionary measures
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

When I bought this car *XXXX  years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXXXXXX XXXX / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

On XX/XX/2022 at XXXX am PST I received a voicemail from XXXX by an individual identifying themself as XXXX from XXXX XXXX XXXX XXXX. I've never been contacted by any debtholder that I am past due or owe a debt. XXXX asked me to call back and provide my information.
Product: Debt collection

A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine. 
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have 10 days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer immediately.
Product: Debt or credit management

I paid for Lexington Law firm back in XXXX  I wan na say to clear my credit report from old bills and addresses a few years back to no avail. I paid a {$100.00} a month for the service and got nothing done. I eventually cancelled the service after some months to keep from being charged again because I didnt see where anything was coming off. I was young and clueless to the credit repair game, it was definitely a learning experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several  accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Capital One submitted a hard inquiry on my credit without my authorization. This has damaged both my XXXX and XXXX credit report. This an instance of fraud and all Capital One would do is tell me that there isnt a Capital One credit account associated with my social security number and to physically mail a copy of my credit report with a description of the situation to a XXXX XXXX XXXX 

They informed me this process can take up to a month, which is concerning because they didnt share whether the fraudulent credit application was approved or not, and this solution needs to be resolved in a faster time frame. I do not have any accounts with capital one and have never submitted a credit application to this company.
Product: Checking or savings account

I received 2 emails that appear legitimate that someone was attempting to use my email to 1st open a checking account on XX/XX/23. On XX/XX/23, I received another email for a failure to qualify for a savings account of some sort. I've never engaged in business with Bank of America. I don't know if my personal info has been acquired or not
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  AND XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I applied for the Amex Delta SkyMiles Gold credit card on XX/XX/, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : 1. I successfully opened it with the bonus. 2. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. 

I have contacted CFPB twice to communicate with AMEX, and the response letter showed fake information claiming that : During your online application you were advised Based on your history with Credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Would you like to proceed? However, during the online application, I have never been advertised with this statement. The fact is I have been welcomed by the opening bonus. So this response really hurt my XXXX and I'm very sad about Amex. 

Thus, I'm asking AMex to present the proof of the fake advertising or give me a bonus.
Product: Debt collection

I received a call on XXXX stating I owed a past due debt of XXXX from XXXX from this collection agency. They are stating that I owe for equipment that I returned. I don't owe this company. I let the company know that I never received written communication from them to have a chance to dispute the debt. They reported this erroneous information to the credit bureau causing my credit score to drop by XXXX points.
Product: Student loan

I recently filed for bankruptcy in 2016, when contacted by the Navient Student Loan they wee informed of this. I asked to have the forms sent to me to start the process of having the loans removed off my account since I did file for bankruptcy. I was told that I would receive the forms by mail on XXXX different occasion in the meantime the rep said that I would be put in forbearance. That conversation took place on XXXX/XXXX/2016 and was told in the email it would last until XX/XX/XXXX2016. Than I received another email XXXX/XXXX/2016 that my forbearance was ending. I have still yet to recevie the paperwork for a dismissal of the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE XXXX ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 I AM A VICTIM OF IDENTITY THEFT
Product: Checking or savings account

On XX/XX/2021, Cashapp approved an unauthorized transaction from XXXX in the amount of {$170.00} which caused my account to be overdrawn 170.00. 

This is a pre-paid card and if the funds are not available in the account, the transactions do not get approved. I still do not know how the exception for the XXXX transaction was approved when the balance on the account was less than {$1.00}. 

I raised a complaint for an authorized transaction and this has taken more than 15 days to process and not only that Cashapp has failed to regulation E by not giving a temporary credit until the investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was misused and something is being reported without my consent this is negatively effecting my report. I sent in multiple letters to get removed BY LAW but yet I keep getting stall letters telling me the account is verified and updated i don't care about that I need it removed because by law your are messing up.