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

ORIGINAL PERSONAL LOAN - XXXX dated XX/XX/XXXX Amt Financed - {$1100.00} APR 40.47 % Finance Charge - {$410.00} Total Pymts Due - {$1500.00} Term - 18 mos 1st pymt {$100.00} 17 remaining Pymts {$84.00} Closed XX/XX/XXXX after 6 pymts totaling {$520.00} REPLACEMENT PERSONAL LOAN - XXXX dated XX/XX/XXXX Total Amt Financed - {$1100.00} APR - 40.80 % Finance Charge - {$390.00} Total Pymts - {$1500.00} Term - 18 mos 1st Pymt {$84.00} 17 remaining Pymts XXXX Paid Out - XX/XX/XXXX Received - Approx. $ XXXX for early payoff This is the result of a loan company taking a phone payment from me ( my routine method ) and a couple days later an " automatic payment '' from me that I did not go on its website to request. I was told I did. No. As a result, my checking account went negative and I was stuck with overdraft fees that XXXX  out my balance. Why would I do this at the beginning of a XXXX shopping/gift giving season? Loan officer said this could be resolved by closing out Loan No.XXXX and opening a new Loan No. XXXX that would include enough money to put my checking account back in the black. I believe that amount was about $ XXXX. I have had problems with what happened because not the norm at all. Would like to put this to rest by determining if money back from the closed loan is still due me or whether I have actually overpaid on this loan. It is just not clear to me. 

I have not talked with the Loan Officer because I consider this a very sensitive matter that requires second-party review that would satisfy my concern but possibly cause hard feelings if I am wrong. I have had a total of three loans from this company, the first being back in XX/XX/XXXX. It was a merchant installment loan and my fees/payments were lower.
Product: Debt collection

This debt collector company by name, Credit Management LP is falsely representing that I owe the sum of {$59.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I have never come across the name of XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, let alone order or request any service or product from them. I have also never received any bill from this XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
I received only one debt collection notice from Credit Management LP and this was dated XX/XX/22. 
I responded to them asking for details of this unknown debt and requested VERIFICATION AND VALIDATION amongst other details. 
Credit Management LP responded with only the same information they alluded to in the only other letter they sent to me earlier, to the effect that XXXX XXXX XXXX XXXX is the creditor and the only other information they provided apart from the name of the creditor is the po box XXXX XXXX XXXX XXXX XXXX. 
They incredulously stated that they are referring me back to the validation information they provided in the same letter they sent earlier dated XX/XX/22. This so called validation information they are referring to ONLY provided the name of XXXX XXXX XXXX XXXX, and the amount owed {$59.00} as of XX/XX/22. 
As if the foregoing is not enough, Credit Mangement LP. have subsequently sent this false debt information to the Credit bureaus, without providing any validation of the debt.

Credit Managment LP indicated in their only response letter, that if I sent a written requent to them asking for validation of the debt, they will be sending follow up correspondence to me. As of today, XX/XX/22 no correspondence have been received, and yet they have rushed the so called debt to the Credit bureaus!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.
Product: Debt collection

I called sunrise credit services to pay for a balance I had for XXXX XXXX however the representatives that I spoke with, stated an account from spectrum was opened in my name to an address : XXXX XXXX XXXX XXXX NY XXXX that I did not authorize and was not aware of. A debt of {$260.00} was attempted to be collected however I refused to pay because I never opened up an account for XXXX not did I ever reside at that location.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX XXXX member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Navy FCU
Product: Checking or savings account

This is not a complaint. Communication. Subject : Request to Maintain Account Status Dear, First Progress Card Corresponding Team I hope this message finds you well. This is XXXXXXXX XXXX and I am following up on my previous communication regarding my account. 

I called yesterday to confirm the receipt of my faxed documents, and a member of your customer service team indicated that the only valid document received was my driver 's license. I also received your letter this past Monday concerning the necessary documentation, and I promptly mailed my Social Security card on Tuesday. 

I am respectfully requesting that you do not close my account, as it has been in good standing for over a year. Closing this account would significantly impact my chances of securing a mortgage, which is a crucial goal for me. 

I want to clarify that this is not a complaint, but rather a sincere request for assistance, as I have been unable to find a contact number for your department. 

Thank you for your attention to this matter. I appreciate your understanding and support. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced my home and paid off this loan. Due to closing times, this loan was overpaid by {$990.00}. The loan was paid XX/XX/XXXX. The online account says that a check for the refund was sent on XX/XX/XXXX. I have not received it. Since then I have spent HOURS on the phone asking about my check. I was told in XXXX it would be resent. I called XXXX and was told that it was never sent in XXXX. SInce then have been told multiple times it was being sent and then when I don't get it, I am told the check was never sent. I was supposed to have it in hand by XX/XX/XXXX. It is XXXX and today i was told, again, it was never sent. 

I spoke with XXXX, operator ID XXXX and her XXXX XXXX XXXX ID XXXX
Product: Debt collection

My name is XXXX XXXX, a living woman submitting this complaint without any influence from any third party or its agencies. In response to my previous complaint XXXX and the response received with attachments, I am without knowledge or information sufficient enough to determine the accuracy or truthfulness of Security Finance claim of a loan and therefore I dispute the debt in its entirety. Security Finance stated I obtained a loan in the amount of {$1300.00} and agreed to repay the loan in 11 monthly installments of {$120.00}. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be misleading and deceiving that a loan was given when CREDIT was extended or offered. In reference to Regulation Z the definition of credit means the right to defer payment of debt or to incur debt and defer its payment. Security Finance did not provided me with their credit or loan to me. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be a consumer credit contract that resulted in a Purchase Money Loan per 16 CFR 433.1 ( d ) which states a purchase money loan is a cash advance which is received by a consumer in return for a " FINANCE CHARGE '' within the meaning of Truth In Lending Act ( TILA ) and Regulation Z. Per TILA, a finance charge is the cost of consumer credit as a dollar amount ; in which totaled {$350.00}. Security Finance breach the contract and their fiduciary duty by extorting and racketeering the collection of credits that they did not give. Security Finance can prove a loan was given by producing their booking entries of debits and credits in compliance to GAAP. In addition to the misleading attached correspondence from Security Finance to my complaint XXXX, I do not recognize the signature on the agreement. XXXX XXXX XXXX XXXX testify under penalty and perjury that they witness me signed the agreement? Please see my attached correspondence for my disputed disclosure questionnaire.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 XXXX I used what I thought was a reputable service to transfer payment to a Third Party for goods. Goods were not received. 

Called XXXX and they wouldnt do anything to cancel the transaction or even prevent the same scam from being perpetrated on others. 

Given all the big banks behind XXXX I would have expected better controls.
Product: Checking or savings account

I was renting an apartment for my son from the XXXX XXXX XXXX XXXX and paying monthly payment of {$570.00} using Bank of America 's Bill Pay online payment service drawing out of my checking account. Eleven of the payments were paid correctly but the payment dated XX/XX/2020 was fraudulently cashed. I began the complaint process with Bank of America in XX/XX/2020. XXXX XXXX XXXXXXXX XXXX provided them with two affidavits and it took Bank of America until XX/XX/2020 to finally agree that fraud has been committed. I had to pay XXXXXXXX XXXX XXXXXXXX XXXX and have had at least ten phone discussions and five online message discussions with Bank of America but have yet to receive my refund. Some of the online discussions have been ridiculous such as saying haven't heard back from XXXX XXXX  XXXX XXXX despite them sending two affidavits and saying they found a XXXX or XXXX payment so case is closed. Those were for different months where the online checks were cashed not the fraudulent XX/XX/2020 check cash. Beginning in XX/XX/2020 XXXX 4 months ago ) the excuse became " Waiting on response from bank of first deposit ''. How long do I have to wait and why can't I have my money back. It has been 15 months since my check was fraudulently cashed. How long do I have to wait? Thanks for your help in this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX This is a duplicate - please remove this item from my report. - I was never late on this account. REMOVE THIS NOW! ( XXXX  ) for failing to comply with their obligations under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) regarding the reinvestigation of a late payment on my account. 

I previously requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX remove a late payment that was incorrectly reported on my credit history. However, despite providing the necessary documentation and making the appropriate requests, the entity has not conducted a proper reinvestigation nor corrected the inaccurate information. 

According to 15 USC 1666 ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX required to adopt reasonable procedures to ensure the accuracy of statements and to correct any errors within a reasonable timeframe. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information in my credit report should not contain transactions or experiences that negatively impact my credit history without proper verification. 

Therefore, I request the CFPB 's intervention to investigate this non-compliance and take the necessary actions to correct the inaccurate information in my credit report. This situation is negatively affecting my ability to access financial products and other essential services. 

Thank you for your attention to this complaint, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Hard Inquiries on Credit Report Dear Sir/Madam, I am writing to formally dispute the following hard inquiries listed on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to verify the accuracy of information reported on my credit file. After reviewing my credit report, I have identified unauthorized hard inquiries that I did not initiate or authorize. 

I request that you conduct a thorough investigation into these unauthorized inquiries and provide me with the following information : XXXX. Verification of the purpose of each inquiry. 
XXXX. Proof of authorization for each inquiry. 
XXXX. Documentation showing that each inquiry meets the permissible purpose under the FCRA. 

I also request that you promptly remove any unauthorized hard inquiries from my credit report as they are negatively impacting my credit score and may affect my ability to obtain credit in the future. 

Please provide a written response to this dispute within 30 days, as required by the FCRA. If you are unable to complete the investigation within this time frame, please inform me of the delay and provide an estimated timeline for resolution. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute.
Product: Checking or savings account

Navy federal supposedly sold my credit card account then when account was closed took XXXX out of my checking account without notice and would not give my money back. They had already written my account off as a lost and got their write off credit but then took the money out of my account. Someone stole me identity it wasnt even my debt.
Product: Credit card

The statements that are currently are an issue are as follows XX/XX/XXXX  {$500.00} XXXX {$1500.00} XXXX {$3000.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX  {$1000.00}. The actions I took were reporting IMMEDIATELY after receiving notification of these charges occurring. I have been battling an uphill battle proving my identity and trying to prevent these charges from occurring since losing my laptop on vacation while in XXXX. The laptop was stolen while I was snorkeling which contained ALL of mu information from bank statements pending job applications with my social security number card information etc and ever since, there were unauthorized logins to my XXXX  which has since been resolved my bank account, credit card accounts, email, XXXX  and the list goes on. Unfortunately, all of my passwords were the same along with the same email ( I have since most definitely learned my lesson and changed all of my passwords ) however, the charges started to roll in shortly after this. Even before getting back into the United States, my bank account was breached with wire transfers going to the XXXX Police and after a few card transfers XXXX had me switch my bank to a new bank account. The charges did not stop, loan applications were made in my name, even more charges kept happening and I was continuously putting out wild fire after wild fire until the beginning of XXXX. I had took my phone to a XXXX XXXX  employee and explained what was happening as it was a last resort and recommended by a very helpful woman from XXXX fraud department. The XXXX XXXX employee was able to find 2 files on my cell phone under the root storage file that ended in XXXX and XXXX which he stated are used by hackers to mirror my device onto an external device and control it via a separate electronic device. I work 12.5 hour shifts on a military base and am unable to be around my phone so this access would go unnoticed very easily. Ever since the XXXX XXXX employee did what he did, not a single unauthorized transaction has occurred on any of mu cards. The problem appears to have been fixed however, I am still taking precautionary measures and limiting the amount of use my cards receive on online purchases as well as locking the cards after each use. All other companies have resolved my fraud issues the only one who has not is Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to Experian, XXXX, and XXXX regarding the ongoing issue of inaccurate information on my credit file. I have previously corresponded with your agency through a letter, in which I disputed the accuracy of certain accounts listed on my credit report. To my disappointment, the response I received from your agency did not adequately address my concerns or provide the necessary evidence to support the accuracy of the disputed accounts. 

As a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ) ], Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq and 15 U.S.C. 1681 et seq. These laws grant me the right to ensure that the information reported on my credit file is accurate and up-to-date. Unfortunately, your agency has failed to meet its obligation of accurate reporting in this matter.

In your response, you stated that the disputed accounts were accurate. However, no supporting documentation was provided to substantiate your claim or establish the legitimacy of these accounts. I insist that, within 30 days of receiving this letter, your agency fulfills its legal obligations by providing me with the following information and documentation : 1 ) Contracts or agreements bearing my signature pertaining to the disputed accounts.

2 ) A chain of ownership demonstrating the transfer of these accounts to the current creditor.

3 ) Proof of your agency 's compliance with reporting standards and regulations regarding the disputed accounts.

4 ) The date of last activity associated with each of the disputed accounts.

Additionally, I request that your agency provides me with all supporting documents that link me to the accounts in question. This includes but is not limited to account statements, transaction records, and any other relevant information that substantiates the accuracy of the reported information.

I trust that, as a responsible credit reporting agency, you will promptly investigate this matter and take the necessary steps to rectify the inaccuracies on my credit file. Failure to comply with the aforementioned requests within the specified timeframe may result in further legal action to ensure my rights as a consumer are protected.

I appreciate your attention to this matter and look forward to receiving a comprehensive response within the stipulated timeframe. Please direct all correspondence related to this issue to the address listed above.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX Account Name and Account number XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXXXXXX XXXX XXXX XXXX Not mine XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Not mine XXXX ) XXXX XXXX XXXX *** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX  XXXX XXXX 2000 XXXX Not mine XXXX ) XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Great American Finance. I paid this account off in full in XX/XX/XXXX. I was never late nor did I ever miss a payment. After I paid this off I continued to get bills saying I still owed a balance. Each month I called Great American Finance and I was told " don't worry about the bill, we see you paid this off {$0.00} balance we will send it to be updated '' then I started to get negative reporting on my credit report - 30 days late. I called them again and they said they would update the credit reports and credit bureaus - I waited XXXX and now XXXX - each month they keep reporting as 30 days late - this has dropped my credit by over 30 points each month. I spoke to a manager at Great American Finance on XX/XX/XXXX and it was suppose to be corrected and they were suppose to send me paid in full letter and get my credit updated. On XX/XX/XXXX when I called back the company hung up on me 2 times and refused to allow me to speak with a manger. I have made multiple attempts to resolve this with the company and they will not stop reporting this as negative when the account was paid off early in full no late payments. I have also opened disputes with all three of the credit bureaus - however Great American Finance keeps putting this back on there each month. I am at a loss at this point and need assistance in correcting this companies incorrect reporting on my credit. I am wanting Great American Finance to stop reporting false information to the credit bureaus and correct what they have already reported falsely. I am wanting all three of my credit reports XXXX, XXXX, XXXX, updated to reflect that I have never been late nor have I ever missed any payments. I want it to reflect good standings that is correct and also I want my points back on my credit score that were taken due to this false reporting. I also want it updated that the account is paid in full with no balance owed. Thank you for all your help as I have struggled with getting a resolution in dealing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with TransUnion and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted TransUnion, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.