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

I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.
Product: Checking or savings account

On XX/XX/11 I submitted a dispute for a transaction I had canceled on my Sofi checking account. After 10 business days I followed up to get an update on the dispute. I was told that it is still being researched and could take up to 90 days. I informed them about Regulation E requiring a provisional credit and was informed that I would not be issued one. I informed them that they are in violation of reg E however they still refuse to issue a credit while they research the dispute.
Product: Debt collection

I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of  Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

To whom it may concern ; I am writing you to dispute multiple items that are still reporting on my credit report. Some of which are accounts/collections and others are inquiries. Please understand that I first became aware that I was a victim of identity theft approximately one year ago. Since then, as you will see, I have filed multiple complaints ' with the CFPB to both the creditor 's I am disputing along with all three credit reporting entities ; XXXX, XXXX and now Experian. 

At this juncture, I would like to dispute the following information as unauthorized and fraudulent on my behalf ; XXXX - XXXX XXXX COLLECTION ), Acct # XXXX, amount : {$3500.00} as of XX/XX/2016 XXXX - Rental Property Solution ( INQUIRY ) - XX/XX/2016 & XX/XX/2016 XXXX - Previous address ( XXXX ) to which I have never lived : XXXX, XXXX, WA XXXX XXXX, XXXX, CA XXXX With regards to XXXX, I have been a customer of theirs for almost 9 years now and am still currently a customer. I do n't understand how it 's even possible for me to have a collection with a company all the while maintaining a current account. I have disputed this numerous times without any luck whatsoever. In fact, they have always been insanely rude to me and never seem to care about helping me to rectify this issue. I have always been and will continue to be more than willing to do whatever is deemed necessary in order to help expedite this from being removed from my file. 

Lastly, my husband and I have been in corporate housing with his employer since XX/XX/2016. I say this because there is absolutely no reason that I would be inquiring as to any type of apartment housing options. If you notice, that both of the inquiries to which I am disputing are via the same third party company that apparently someone has inquired on my behalf on different residences on opposite coasts. I have called this company several time ( XXXX ) in fact to no avail. They said it is their company policy to never remove inquiries unless I can prove it was a fraudulent inquiry to begin with. Of course, I have never been told how exactly one might be able to do that. Please dispute the aforementioned items as fraudulent on my behalf. I am requesting this as myself and in no way shape or form have been nor will be represented by a third party company. Please feel free to contact me anytime at XXXX. 

Regards, XXXX *********** Credit file # : XXXX
Product: Debt collection

On XXXX XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX claiming that I owed a debt to " XXXX XXXX XXXX  XXXX ''. I have never heard of either of these companies and therefore I am demanding proof of said claim as herein stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( 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. 

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another. 

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system. 

The inaccuracy on my report does not benifits me. There is no Equity for me. 

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report. 

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Checking or savings account

PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

PayPal has permanently limited my PayPal account. However, the funds they have locked are refunds due to PayPal Key Transactions. Instead of refunding to my underlying credit card, PayPal refunds to my balance, which they are limiting. Essentially, PayPal is charging me for the transaction, and denying my refund from the merchant. The transaction in question relates to : Transaction ID : XXXX {$5300.00} I do not see how PayPal is allowed to hold my funds and block refunds on an account that was solely used for PayPal Key transactions. PayPal also will not allow me to dispute this transaction with the merchant to resolve it, as they have blocked my account from that feature!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, XXXX, and Experian has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX Financial Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX XXXX Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Product: Credit card

Comenity Capital Bank offers a 6 month promotional pricing plan for XXXX tickets. The plan offers XXXX months of no interest charges if paid within XXXX months. Comenity starts the promotional pricing period from the date of purchase, not the date of billing. The end effect is that my XXXX month promotional period is not actually XXXX months. 

Purchase Date : XX/XX/XXXX Billing Due Date : XX/XX/XXXX Promotional End Date : XX/XX/XXXX " IF YOU DO NOT PAY YOUR XXXX MNTH WAIVED INT, PMT REQUIRE PLAN BALANCE OF {$2000.00} BY XX/XX/XXXX ANY REMAINING BALANCE WILL BE ASSESSED INTEREST AT THE STANDARD PURCHASE XXXX. '' Under standard billing, I would not be charged interest on my XX/XX/XXXX purchase unless I failed to make my XX/XX/XXXX payment in full. If I make XXXX equal payments of the XX/XX/XXXX charge, starting with my first bill ( XX/XX/XXXX ) then I will have a shortfall when my promotion expires on XX/XX/XXXX. The 6 month promotional period should not end until my billing due date of XX/XX/XXXX. I would like an explanation from Comenity to clarify why their statement is suggesting I have less than 6 months to pay off the balance on the promotional rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Transunion and there are many fraudulent, unauthorized items on my report. Ive notified Transunion that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 13 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I started a transfer for XXXX $ to my coinbase account from my business account at XXXX XXXX XXXX. I got an email saying the transaction had failed because I did n't have enough funds in my bank account. The email did n't mention it would automatically retry payment. So I just left it because by that time I changed my mind. Then on the XX/XX/XXXX I see XXXX $ has been taken from my bank account by coinbase which I did n't initiate it at all. Those funds have not been transferred to my coinbase or XXXX ( same company ) account since then for me to send it back to my bank account. For the longest time there was n't an option to email XXXX because it kept saying that they are backlogged and when I finally was able to, I have n't received a response. I tried calling them and no one has answered. It seems a lot of people are having problems like this with this company.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit. 

Credit history is reporting that it is only XXXX years old. However, I have accounts such as XXXX XXXX that reports an open account for XXXX years and 4 years.
Product: Checking or savings account

On XX/XX/18 I went to Bank of America in XXXX, NJ to make a {$1000.00} cash deposit into my mother 's account. I handed the teller the deposit slip with account number. She refused to accept the deposit because I was not on the account. I would have had no problem providing my identification, social security number etc. However, they refused the deposit. My mother was on the phone with me while I was attempting to make the deposit. She gave them authorization to allow me to make the deposit but they still refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX  XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. 

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Product: Credit card

tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,
Product: Checking or savings account

Company claims to have issued a refund. Money was not devoted to my account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX XXXX TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX XX/XX/XXXX XXXX : Request for VALIDATION, NOT VERIFICATION RE : CFPB Complaint Number # XXXX Subject : XXXX XXXX XXXX XXXX A To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is an FDCPA violation and you continued to report a disputed debt to the Credit Bureau, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureau causing damage to my character. 

This letter will AGAIN request that you follow the FDCPA and please provide the following validation of the debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, Estoppel by Silence legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to - your company for violations of my consumer rights as specified under both the FDCPA and FCRA. I may also seek damages from you if warranted. 

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

I've made several attempts to dispute the XXXX XXXX, XXXX and XXXX accounts and the inaccurate information that's being placed on my credit report by Equifax. The accounts with XXXX are still reporting as 120 days late. But like I've stated before, these accounts are closed paid accounts with a zero balance. They are CLOSED, and they are PAID, with a zero balance. So how I can be 120 days late. It doesn't make sense. XXXX and XXXX are collection accounts, and collection accounts can not report late payments. It is a direct violation to do so. 

The credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; ( Original Creditor : XXXXXXXX ) XXXX Balance : {$550.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2022 Debt owed {$480.00} for account number XXXX does not specifically say in statement what this medical bill is from? It is not itemized!