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

I got a loan from BHG and the payments was going to be on the XXXX of every month the due date. A company by the name of XXXX XXXX XX/XX/XXXX XXXX not the one as we know it XXXX but an inside company of BHGs was aloud to collect the payments of {$1300.00} on every due date. This company did not collect on XX/XX/XXXX as they where suppose to do so. At some point the inside company XXXX XXXX XX/XX/XXXXlet BHG know they could not collect the pymnt from my checking account so BHG went into my checking account and collected it for them as they did not had any permission to go into my account to collect as it was assigned to this inside company XXXX XXXX XX/XX/XXXX. BHG went and collected on XX/XX/2021 for {$1300.00} but at the same time XXXX XX/XX/XXXX never called me to let me know they couldnt collect the money and had BHG do it for them but then XXXX XXXX XXXX never let BHG who did not have permission to get into my bank account and collect tell them that they managed to collect the {$1300.00} on XX/XX/2021 so they charged me twice within about 24 hours of each other but then BHG needed proof that there was a double dip and after sending proof they kept the money for three days leaving me absolutely devastated in my bank until XX/XX/XXXX so I couldnt pay bills as I needed to. Then they said again the pmnts would be collected by XXXX XXXXXX/XX/XXXXon the first of every month but the first came and gone with no collections. On XX/XX/XXXX BHG who again had no permission to enter my checking account pulled the money out for {$1300.00} and then on XXXX XXXX XXXX XXXX XXXX also pulled the money for {$1300.00} for a second month in a row double dipping into my account. And again the original collector never called me and let me know that they couldnt collect so again they left me in a worst way financially wrecked. Again it took 3 days to return my money to me and I blocked first national bank per my attorney so they could not get back into my checking account. Although BHG refunded my {$25.00} block pmnt money and sent my {$150.00} gift card for the problems which was nice the problems have not stopped. the money was due on the first of XXXX with BHG only aloud to collect money for the pmnt it is now XX/XX/2021 and they have not pulled any money. I have also in XXXX asked for all the application paperwork to my loan and asked for all the signed paperwork with the interest rates payment dates and pay off date and how I received the money from them when I called them. They told me that they have no information on my loan and can not provide any paperwork or history of my loan as they have non. I sent them an Email on Thursday last week and asked again for all information and they have not responded to me. I also can not provide a loan number as they have never given me any information on my loan and have refused to.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of XXXX  and associated accounts by TRANSUNION, despite their failure to properly verify the accuracy of this information. TRANSUNION failed to properly investigate and verify the accuracy of the XXXX and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report.

1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. TRANSUNION failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed.

2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements.

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness.

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to TRANSUNION. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 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. 

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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors. 
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. 
( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

Unknown debt, I have not had any medical visits in a long time this is NOT accurate and untrue I owe anything to this company
Product: Credit reporting or other personal consumer reports

Dear Transunion Reporting Agency Upon reviewing my consumer report, I noticed that it inaccurately reflects late payments on the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reporting is incorrect, as I have consistently maintained on-time payments for this account. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of late payments on my report violates this provision by inaccurately representing my payment history. 

Inaccurate information on a consumer report not only misrepresents my creditworthiness but also unfairly harms my ability to access financial opportunities. These errors violate my rights under the FCRA and must be corrected. 

Reasons Why This Reporting is Inaccurate : 1. I have never missed a payment on this account.

2. The creditor has not provided me with any evidence to substantiate these alleged late payments.

3. The erroneous reporting suggests a failure to follow the FCRAs requirement to ensure maximum possible accuracy.
Product: Credit reporting

I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.
Product: Mortgage

Mr Cooper bought my loan from XXXX XXXX, then informed me that my Escrow will be going up $ XXXX month. Mr Cooper requires 2 months surplus in the Escrow. If there is a shortage because of tax increase then so be it, I will make it up. 
I did not receive a chance to review and agree to the new terms required by Mr Cooper. If they require a surplus, then I should have the ability to pick the terms. 
Currently I am presented with a new company that is increasing my mortgage because they want more money in their account to hold.
Product: Credit card or prepaid card

On my one year anniversary statement, I noticed Wells Fargo charged me a returned check fee for {$15.00}. They also sent a letter that said that my most recent automatic payment was returned unpaid/account not found and that as a result, the Automatic Payment Feature on my account had been canceled. I am not aware of being enrolled in any automatic payment feature. This type of error has not occurred before on my account and I manually pay my bill each month. I called Wells Fargo and the customer service representative was helpful and told me he could reverse the {$15.00} and that it would show up as credited on my next monthly billing statement, just to pay my bill as normal.
Product: Credit reporting or other personal consumer reports

formally file a complaint against BMW XXXX regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered significant financial hardship due to this matter, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

I previously requested verification of the debt in question from BMW XXXX, as is my right under the FCRA. However, BMW XXXX has failed to provide the requested documentation that clearly establishes the debt as mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which has not been provided. This failure to verify has caused undue financial strain, and the account remains inaccurately reported under my name. 

Furthermore, BMW XXXX has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the necessary documentation to substantiate the claim that it belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Request for Account Removal Due to Improper Investigation Practices Dear Experian and XXXX, I am writing to formally dispute the accuracy of the following accounts currently listed on my credit report and request their removal due to a failure to comply with proper investigation procedures as outlined under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Under the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough and accurate investigation of disputed accounts. Furthermore, Section 611 ( a ) ( 5 ) ( A ) mandates that inaccurate or unverifiable information must be promptly deleted from the consumers file. In this instance, the investigation conducted on these accounts failed to meet these requirements due to the following reasons : 1. Lack of Proper Verification : The responses provided as part of the investigation did not include sufficient documentation or proof to validate the accuracy of the reported accounts.

2. Failure to Obtain Adequate Documentation from Furnishers : The investigation relied solely on electronic data verification, which does not constitute a valid method of compliance under the FCRA.

3. Incomplete Investigation Practices The investigation failed to address specific evidence I provided in my initial dispute, leaving unresolved questions about the accuracy of the accounts. 

Given these procedural violations, I am requesting that the above-referenced accounts be permanently removed from my credit report. Failure to address these issues not only violates the FCRA but also undermines my rights as a consumer to have an accurate and fair credit report. 

I am also requesting that you provide the following within the legally required time frame : - Documentation and evidence used to verify the accuracy of these accounts. 
- Details of the investigation process conducted, including communications with the furnishers. 

If the credit bureau can not provide proper verification as required under the FCRA, the accounts must be deleted immediately. 

I appreciate your immediate attention to this matter. Please provide confirmation of the actions taken regarding this dispute in writing within the required time frame of 4 days. Should you need additional information, feel free to contact me directly at the email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the FCRA. It has come to my attention that all XXXX of the credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting conflicting information regarding the " date last active '' for this account. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. This is vital being that accounts with no activity are supposed to drop off credit reports after seven years. Furthermore, I must highlight that my information was compromised in the XXXX data breach, and I was never sent debt validation for this account. Therefore, the inclusion of this account is entirely unjustified and constitutes false reporting. Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports. I expect confirmation of this action within 7-10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that re.

from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 'he following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletions of these accounts!
Product: Payday loan, title loan, personal loan, or advance loan

I requested the earned XXXX XXXX on XX/XX/XXXX. i attempted to get the funds I beleive it was XX/XX/XXXX and the barcode that was supplied to me to take to XXXX was not working. I tried bot h the code in the app and the code that was emailed to me. I then chatted with XXXX  and they sent me another barcode and that one also did not work. So while I was at XXXX with the employee i messaged them again and they sent me an email and a number to give and neither worked and I was still unable to get my monies from them. At that point i was told that the issue would be escalated and they would contact me within XXXX hours. I asked what were the options I had at that point and the person did not have any answers for me. I then asked to speak with a supervisor and i was told there were none available and someone would get back to me in XXXX hours. I called them on XX/XX/XXXX and the person on the phone told me to try another XXXX. I explained what the issue was and she told me i should contact them while I was with the associate. I explained to them that is what i already did and she asked me if i could hold. when she came back she told me that i was no longer able to get the funds from XXXX, but to send a copy of my paystub showing the amount had been taken and it would be handled " right away '' when i asked what " right away '' meant she told me within XXXX hours. I sent the paystub on XX/XX/XXXX. I emailed XXXX to get a status and they sent a canned response that the issue had been escalated. I have sent numerous emails since then asking for a timeline and also what resolution would be sought and they have not answered. The closest thing i received was that the XXXX  would be transferred to my card, but i have no card on file with them so I am unsure what that means. I asked them and received another vague response about other customers also waiting for refunds and I was in the queue.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against DISCOVERY FINANCIAL SERVICES DISCOVERY FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to DISCOVERY FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) DISCOVERY FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is a violation of several FRCA laws This is my third attempt to get this resolved. XXXX has changed and updated payment history which has fluctuated multiple times but still show inaccuracies. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are

supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if
the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Due to hardship from the pandemic, i had to go on foreberance on my mortgage. 
My loan servicer, Mr Cooper and i are in the process of loan modification, rolling the unpaid balance to the back of the loan they said. But at this point, they are asking me to pay {$2600.00} per month and i can only afford {$1500.00} to {$2000.00} per month and i know they can do it.
Product: Vehicle loan or lease

On XXXX I reported this company for many issues. Since the report with your Bureau, the company has contacted me but had no resolution, but I requested to be removed from the loan and this still has not happened. To date I was not removed from the loan. All documents for the car ( Registration, Insurance, and title are in the owner 's name ) as it is supposed to be, but I remain on the loan. 
I am submitting this complaint because I would like to be removed from the loan. There is no reason of why I should be on the loan. 
The owner of the car has tried to contact the company on many occasions in attempt to ask them to remove me and was unsuccessful. As of date the car has been in my name for six - seven months and I would like to be removed from the loan ASAP. 

I do not need the company telephoning me to get information, to help them respond to you. I need them to remove me from the car loan they can call the owner for the vehicle, and converse with him. I prefer not to receive any mail on this matter either. They should respond to your company, the owner of the vehicle, and to the credit bureaus only.