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

I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX  | XX/XX/year> : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING THIS MATTER.
Product: Debt collection

I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. 

On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Complaint # XXXX XX/XX/2017 D.O.C. 
XXXX XXXX XXXX XXXX in my previous complaint I did not adequately explain my complaint. 
I believe the 15 or so inquires in question was not counted as 1 deduction from my Credit report as it should be, because it was for the same type of purchase with in the 14 day window as allowed by law. I believe they were counted as individual inquiries, deducting points as such. please investigate and send me an updated Report. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} TRANSUNION : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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: Credit reporting or other personal consumer reports

Account # XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number [ Account Number ]. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency.

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law. 

XXXX. Documentation proving that the reporting complies with the XXXX XXXX format guidelines. 

XXXX. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. 

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 



Sincerely XXXX XXXX
Product: Credit reporting

I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Auto loan is illegally reporting that my loan is past due for the months of XXXX and XXXX. Despite the fact that They agreed to a payment agreement to bring the account current and the CAREs Act amendment to the fcra explicitly prevents them from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

These are some credit inquiries on my report from Experian file these are not mines
Product: Debt collection

Was not informed about this debt. Showed up on my credit report and not sure what this is for.
Product: Checking or savings account

On XX/XX/XXXX, my friend sent me an email referring me to join Albert to earn a {$500.00} bonus ( the email is shown in the Attachment ). I clicked the link to download Albert APP and followed the instructions to successfully apply for new accounts. According to the screenshots in the Attachment, the {$500.00} bonus should be honored when I met all the requirements every 30 days in the following 90 days, i.e., a direct deposit of at least {$200.00} and debit card spending of at least {$100.00}. I have completed these direct deposits ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my employer XXXX and debit card spending ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for USPS XXXX XXXX packages and service. Attached please find a PDF file with all these records. 

However, from XX/XX/XXXX to now, Albert refused to honor this bonus with various runaround actions. They first said they could not find my referrer ( however they confirmed on XX/XX/XXXX after I sent them the information of my referer and the screenshot of the referralemail ). They asked me to have my referrertext them to confirm. When my referer did so, the Albert representative then dragged on the new terms about whatQualified Spend is. They refused me because they concluded that my spending at USPS is totally for money orders, which can not be categorized as 'good and service '. I don't know why they confounded XXXX and white saying that my spending on XXXX XXXX XXXX packages is a money order service. Such bluffing seems like an excuse for not paying out the bonus. Besides, they even asked me to provide evidence such as receipts to prove that I didn't buy money orders in these spending. How could it be such aPresumption of Guilt from them? I don't have the habit to keep these receipts everywhere in my room. Also, it is their responsibility to provide evidence of why my POS transaction violates these newly added terms. What's more, even if some customers did POS transactions for money orders, how could Albert add new terms to deny such transactions at the final time of the bonus payout? Arbitrarily changing the terms in which the customers were enrolled for the account, however, seems like a bait and switch to bolster their account openings but to deny the right to obtain their bonus.
Product: Student loan

I graduated from XXXX XXXX XXXX in XX/XX/XXXX. I took out both federal and private loans in order to finance my XXXX. I had a series of unfortunate life circumstances occur : i ) I was diagnosed with XXXX ii ) my apartment in XXXX was completely destroyed in a gas fire on XX/XX/XXXX ( two people XXXX  and three buildings were destroyed due to gross negligence of my landlord, a contractor, XXXX XXXX, and the City of NY ). I also lost my job between these two events. I reached out to Navient ( then XXXX XXXX ) looking for options and they immediately pointed me towards forbearance without any discussion of an XXXXncome Driven Repayment plan. I have been unable to pay my loans and do not believe they have been acting ethically with they way they have treated my loans and have I also don't trust their accounting. They have failed to produce any detailed documentation related to loan calculations. 

I understand that the CFPB has sued Navient. I would like to be included in this suit as there is total alignment with what the CFPB claims and what happened to me.
Product: Debt collection

Same thing here I made several attempts to requesting the below and was never afforded what I asked to receive. Yet 4 years later a garnishment prompt me to look ont XXXX website and unbeknownst to me here is another lawsuit this is just not right that these people to able to create havoc on good people such as myself and damage my financial integrity. I would never not answer a court order requesting me to appear before a judge. I Never received an execution from any XXXX 's office as they are claiming for this to be valid. 

XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification Request Account Number : XXXX ( {$2400.00} Charge Off ) To Whom It May Concern, I am writing to formally request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not a refusal to pay but a request for clarification and proof of the debt you claim I owe.

Under the FDCPA, I am entitled to receive detailed information about this debt, including : 1. Verification of the debt : Proof that I am the individual responsible for this alleged debt.

2. The original creditor 's name and address : Documentation clearly identifying the original source of the debt.

3. The amount of the debt : An itemized accounting of the total balance, including principal, interest, fees, and other charges.

4. Evidence of your authority to collect : Proof that your agency has been authorized to collect on this debt, including any relevant contracts or agreements.

5. A copy of the original contract or agreement : If applicable, provide a copy of the contract or agreement I allegedly signed, which demonstrates my obligation to repay the debt.

Additionally, under 15 U.S.C. 1692e ( 4 ), you are prohibited from using deceptive or misleading practices in your collection efforts. Until the debt is fully validated, I request that all collection activities related to this account cease immediately, as outlined in 15 U.S.C. 1692g ( b ).

Please note that I am requesting all communication regarding this matter be conducted in writing and sent to the address listed above. If you can not provide the requested information, I expect you to cease collection efforts and promptly notify me in writing of the closure of this account.

Failure to comply with these requirements may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days from your receipt of this letter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TRANSUNION credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX XXXX XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I have had 3 incidents recently of people trying to open either savings on checking accounts w/ 3 different banks using my name, email address & i assume my SSN. 
On XX/XX/2023 I received email from Capital One claiming they needed my ID for application XXXX & another one claiming my phone # was updated. I have never opened an account with them. I'm not trying to open one either. I called Capital One fraud line and was told they couldn't even check to see if something was opened w/o giving my SSN over the phone even though i gave them the application # that was in the email. I did not see an email address that i could forward the emails to for Capital One to report the fraud to. 

In XX/XX/2023 I received emails from XXXX XXXX XXXX and XXXX saying applications were declined. I forwarded the email from XXXX XXXX XXXX to their security/abuse email address & i called one of their locations to report the matter. I never got a response to the emails but was told over the phone that the account would be closed. I called XXXX too & supposedly the account was declined & would be flagged. I have never applied for any type of bank or credit account with these banks. 

I'm pretty sure my information has been exposed multiple times during various breaches ( i.e. XXXX, XXXX, IRS, etc ). I do have fraud alerts on my credit reports and it appears the banks are using something else other than credit reports to start applications for checking & savings accounts. I have also added an alert to the XXXX XXXX site. But that does not appear to stop folks from trying to open stuff in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX has tried to address this situation with XXXX XXXX  I withdrew my initial complaint because I did get a call from XXXX XXXX XXXX  and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have two other accounts thats open with XXXX XXXX  so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with XXXX and transunion who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records transunion so please address this problem thats holding me and my business back from moving forward XXXX  can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks
Product: Debt collection

FOUND OUT TODAY I WAS SENT TO COLLECTIONS OVER A BALANCE THAT I SHOULD NOT HAVE EVEN OWED. I WANT THIS REMOVED IMMEDIATELY. ACCOUNT # XXXX IF THIS IS NOT REMOVED AND WIPED OUT COMPLETELY I WILL BE SEEKING FURTHER ACTION.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you