23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I received a payday loan in XXXX of 2016. I borrowed {$200.00}. I was sent a contract ostating I had to payback {$68.00} every two weeks. I called a month ago asking about my loan amount and they told I had a second loan which I have no record of and there is no record when I login on their website. They have been charging {$120.00} every two weeks since XXXX. When I asked them to send me a contract where I had borrowed from them injure they sent me a XXXX contract again. I feel I have been taken advantage of because high interest payday loans have been prohibited in North Carolina. I am paying 708.08 % interest. Not to mention they have failed to provide me with a contract and there is no record of a XXXX contract on their site. There is no way you should be making on time payments to accompany and your payment amount is not decreasing nor is your principal decreasing over a years time.
Product: Debt collection

I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!
Product: Credit reporting, credit repair services, or other personal consumer reports

company involve is transunion they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account XXXX XXXX account XXXX XXXX account XXXX transunion did not enter notice of dispute this is a violation of section 623 of FCRA
Product: Credit reporting or other personal consumer reports

As of today this company get reporting me to credit bureaus of a closed acct of being late. This acct has been close for over a year. And this company continue to charge late charges and report this acct as if it is an active acct. balances of this closed acct continue to rise because this company is fraudulently and continues to report late payments and late fees knowing this acct has been closed.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) ; ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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, J XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.
Product: Credit reporting or other personal consumer reports

I have initiated multiple disputes with TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report, but these errors have not been corrected, despite my repeated efforts to resolve them. The credit bureaus have failed to take the necessary steps to correct the issues. 

Failure to Mark Disputed Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The disputed account has not been marked as " disputed '' on my credit report, which is a requirement under the FCRA. 

Inaccurate Reporting of Account Status ( XXXX XXXX XXXX ( b ) ) : The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in incorrect reporting that affects my creditworthiness. 

Failure to Provide Documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No sufficient documentation was provided to verify the disputed account, leaving the information unvalidated and unresolved.
Product: Mortgage

I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is a general issue. Credit reporting. It seems like within a day or two the credit agency can report you use of credit cards, and then lower your score. But when you pay off a card, it takes at least two month for the score to recover if at all. 
I have inquired and their answer is that they only report payments after the monthly update from the credit card company has verified it ; so why are they so fast to report charges that are not " verified? '' My score dropped over XXXX points in one month when my credit card usage went up while on a month long trip to XXXX in XXXX. I have now paid the cards off and yet my score remains down. In fact, XXXX lowered my score another XXXX pt today yet I have paid in XXXX  of dollars over the past ten days. 
They seem to only want it one way. If they can not verify payments until the monthly credit company reports it " verified '' then they should not be allowed to post my charges, almost on a daily basis. This is very unfair.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Sunrise Credit Services , Inc. regarding their collection activities on my account ending in 1014. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting your assistance in investigating and addressing the following violations : Failure to Provide Debt Validation Sunrise Credit Services , Inc. has not provided proper validation of the alleged debt within the legally required timeframe.

Under 15 U.S.C. 1692g ( b ), once I disputed the debt in writing within 30 days, they were required to cease collection efforts until they provided verification. They failed to comply with this requirement.

Continued Collection Efforts Without Validation Despite my written request, they have continued collection attempts, which is a violation of the FDCPA.

This includes repeated phone calls and letters demanding payment without fulfilling their obligation to verify the debt.

Potential Misrepresentation of the Debt I have reason to believe that this alleged debt may be inaccurate or does not belong to me.

Without proper documentation, their collection actions may constitute false or misleading representation under 15 U.S.C. 1692e.

Requested Action : I request that the CFPB take the following actions : Investigate Sunrise Credit Services , Inc. for their noncompliance with federal debt collection laws.

Require them to cease all collection activities until they provide full validation of the alleged debt.

If they fail to validate the debt, ensure the account is removed from any reporting bureaus and collection attempts are halted.
Product: Vehicle loan or lease

Company abuse and gave me an high interest on a 73 months ( 6 years ) on a used XXXX  XXXX XXXX  my interest rate is 28.77 % average members interest rate is 7.9 - 14.7 % car was above market value also with the interest rate they gave me in 6yrs ill end up paying them double of the amount which leaves me to be paying {$60000.00} on an used XXXX XXXXXXXX XXXX thats valued at XXXX with todays market
Product: Checking or savings account

Hello, I signed up for an M & T Bank Checking account on XXXX/XXXX/XXXX with the promotion code XXXX. The mailer stated that I would receive a promotional {$200.00} bonus upon a direct deposit of {$100.00} to my checking account by XXXX XXXX, XXXX. 

I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised. 

I reached out to M & T bank on XXXX/XXXX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer. 

This is unacceptable. Nowhere in the terms of the signup offer does it say that I would not be included. M & T is not holding up their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to XXXX, XXXX and Experian about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b
Product: Debt collection

I saw on my credit report I have an account with XXXX XXXX, that is past due and reported to collection to Jefferson Capital. I don't live in the US. I left the US in XXXX. Since then I have not maintained a residential address in the XXXX. According to the record, the account for cell phone was opened in XXXX. I was not in the US then. Why would I open an US cell phone account, when I was not even living in the country? I haven't paid taxes in the US then, not paid electricity, not had a job in the US then. It could be verified. 
I didn't know about the account until I looked it up on my credit report. I haven't received any notifications in XXXX or since then. 
It is for {$1000.00}. I am not even sure for what period that refers, what usage, on what residential address is this service based? I didn't have a US residential address in XXXX, so on what address is it based? I want a full investigation of the charge, I want to dispute it. Who opened it? 
The past due amount has been reported to two credit bureaus, XXXX and XXXX, and the third one knows about the account too. I tried to contact XXXX, but they say because the account has been transferred to a collector, they don't have more information about it. They can't tell me for what period it is, what is the address of the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/2021
Product: Checking or savings account

I do not have online access to my account with Synchrony Bank. There is two step authentication and the second step at this bank sends a code as a text. I have a new phone number and have called this bank a myriad, yes myriad of times to get this phone number problem corrected. I have even emailed the XXXX, XXXX  and other members of upper management to no avail. Not even a response. I have emailed XXXX XXXX for Synchrony Bank with no response. So i have spent hours online and on the phone and nobody, i really do mean nobody knows what to do to fix my problem. I haven't had online access for months and months. I can't get anything done with this bank.
Product: Debt collection

In XX/XX/2020, I ordered several items in 2 different orders from XXXX. I have been complaining about items not received, wrong numbers of items, damaged and wrong items sent since XXXX. They also billed a XXXX  credit card instead if the method I put in to be charged. They refuse to correct anything, give me ways to return the defective and wrong items, refuses XXXX accommodations and are simply horrible. The ceo refuses to correct and has a horrible person repeatedly harassing me. They were repeatedly told to stop, I blocked their email and so they have robocalls calling approximately 20 times per day on both my home and cell phone. The calls come from multiple numbers and clog up my voicemail, etc. This has been ongoing for weeks and they refuse to correct, cure, stop discrimination and stop harassing.
Product: Mortgage

In 2016 I paid income tax on XXXX discharged debt evidenced by a XXXX cancellation of debt ; however Fay servicing, a third party, continues to list it as an interest deferred principal I want this corrected
Product: Checking or savings account

Chase Bank discourages customers from filing reports of unauthorized charges. I have called the Bank a total of five times now. The first I was told to call back during business hours, Other times transferred multiple times waiting on long hold times and never getting to file my claim.

I am currently on hold for the fifth time right now. I have been transferred twice and still have not spoken with anyone who can take my claim. At this point- today only- I have been on hold for 45 minutes and gotten nowhere.

All told- I have been on hold trying to resolve this four about four hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$270.00}
Product: Debt collection

Arnold, Scott, Harris PC has utilized questionable collection tactics, including contacting me for a debt that has been paid and filing for garnishment after the debt was paid. 

I previously owed state taxes to Kansas and was on a payment plan with Arnold Scott Harris for that debt. I paid off the remaining balance with my XX/XX/XXXX and XX/XX/XXXX federal tax returns. However, the collection attorney filed a garnishment after the debt was confirmed as paid several weeks prior to filing the garnishment. 

They did remove the garnishment, but they now claim that I still owe a balance. I have asked several times for them to provide a full accounting money owed an money paid. I also faxed them a letter with this request. They have been unable to provide this accounting. Instead, they sent me a payment history that lacked the original debt owed. They also continue to contact me through robo calls.
Product: Debt collection

I got free heath insurance last year XXXX XXXX XXXX. Out of no where I see a collection from a medical/heath care I wasnt told I had to pay anything. I never even used it I just didnt wan na be without heath insurance if needed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit file. Despite my immediate efforts to address this issue, the fraudulent entries persist, posing a severe threat to my financial well-being. 

Given the urgency of this matter, I am requesting the following actions : Immediate and expedited review of the documentation provided in support of the dispute. 
Fast-track removal of the fraudulent items from my credit file to prevent further damage to my financial standing. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I attempted to go inside of Wells Fargo Branch. I tried to open an account with this bank and was denied and was told they didnt have an explanation. Then I received a letter in the mail XX/XX/year> and was told about a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}