23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a fraud complaint about the unknown credit inquiry from ally financial, which appeared on my credit report. and I did this a while ago and the ally financial yesterday started sending me weird emails just now and I reply back to it stating it is fraud. it is sent from XXXX and also a second email sender shows and it is and states : '' On Wednesday, XX/XX/2023 at XXXX XXXX  XXXX, XXXX wrote : Please use this validation code to complete your registration : XXXX Note : This code will expire in 30 minutes. Re : Proofpoint Encryption Registration I have blocked it and it is fraud and unknown and ally financial is acting as a fraud or being used as such and ignores this fraud.whatever it is. and tries to get me to register an account..
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit card or prepaid card

My credit card was closed. They claimed that they sent me a letter. I had XXXX points worth {$28.00} and they only wanted to give me XXXX dollars in the form of a refund check. I used the card within the one year time frame, but they said I used the wrong card.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/2024 Account Name : XXXX XX/XX/2024 Account Name : XXXX XX/XX/2024
Product: Student loan

I was recently notified by the XXXX Department of Education that I was approved for student loan discharge based on XXXX XXXX evidence. 

The notice includes this : Your loan ( XXXX ) will be XXXX based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

The loans referenced in that excerpt are outstanding federal loans that I obtained to attend The XXXX XXXX XXXX XXXX from late XXXX through XXXX. In addition to the federal loans, I also have outstanding private loans serviced by Navient. These private loans were also used to attend The XXXX XXXX of XXXX during that same time frame. 

The Department of Education concluded that XXXX XXXX XXXX  engaged in misconduct, which has led to my federal loans being XXXX and prior payments will be refunded. Being that my private loans were used to attend the same school during the same time period I want the outstanding private loans to be XXXX and prior payments refunded
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2024 CAPITAL XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date XXXX Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024 & XXXX  Date of Inquiry XX/XX/2024
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, US DEPT. OF XXXX, US DEPARTMENT OF EDU , XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

We started the mortgage process with Mr. Cooper in late XXXX or early XX/XX/XXXX as we selling our house and going to purchase something else. Mr Cooper was the lender we had for our current mortgage so I figured it would be easier to go with them. 
Things started out great and within no time we had pre approval on a loan and just needed to find a home. 
Our home sold pretty quickly and within a week or so we found a property and put a contract in which was accepted. Copies of the contract were sent to our Mr Cooper representative. More information was needed from a HOA as we were buying a condo. 
Our realtor called our processor several times to make sure the lender had all they needed and was assured things were good. 
A week before the scheduled closing date ( XX/XX/XXXX ), we were still waiting on loan approval. 
When I called 5 days before closing I was told the lender was waiting on HOA docs from the property manager. 
I had the sellers agent calling out agent wondering where our approval letter was. 
Within 7 days of closing we were told we needed to have new credit reports pulled, needed HOA documents, new bank account statements, etc. 
After over 40 daily emails and countless phone calls 2 days before settlement we got loan approval. 
My problem is that our processor left our file untouched for at least 10 days while telling us and our Agent she had all she needed. 
We had to resort to yelling, cussing and everything else available to us to get them to get this loan approved. 
They turned what should have been a happy experience for us into a miserable, stressful XXXX wrenching experience.
Product: Debt collection

I have been getting repeated calls from Comenity Capital Bank ( who I believe contracts with XXXX XXXX  ) before XXXX and after XXXX from random numbers across the country in addition to many " private number '' calls as well as repetitive text messages- all every day of the week, including Saturdays and Sundays. I have requested to be put on the ( DNC ) Do Not Call list at least four times from both the phone numbers calling as well as the private numbers. The people who call are hesitant to tell me who they are and I have even gotten a call from them asking for a person other than myself. I have gotten up to ten calls in one day, all from different numbers, and never get less than 2. Attached are all the most recent times they have called, as well as the many texts they have sent.
Product: Debt collection

I have never received a bill looking to collect money. I haven't been to this medical facility in over 3 years, I was never told I owe money or that anything my insurance didn't cover it when I did attend this facility. I am a single mother with XXXX children under the age of XXXX. I can not afford this bill or accept that it has been sent to collections when I was never notified!
Product: Credit card or prepaid card

dear Sir! 

This is about a pay card by Money Network. I worked at XXXX XXXX in XXXX XXXX Ohio. I was given a money network pay card. It took me longer to activate the card. 

I had difficulty in approaching the pay card company for any difficulty for services like reset pin or change pin. During pandemic the phone lines are busy and longer wait times and so on. I had some tine been able to call to find out balances. I came to hear of {$5.00} charges for previous months. The balance tended to be XXXX. 

I guess that I may have charges for non use of card. I have other pay cards as well and often check for any activity or fraud. I could not reach and succeed to speak to call representative. We do not have any other, practical to inquire. The pay card do not send monthly statement or on line alert. I understand that the pay card company has my address and e mail or phone #. 

It is understood that the card holder is bound by payment agreement by the card company. I have to be sure that dormant accounts are charged. But the alerts are not obligation or even fair practice. This can help the card holder from repeated charges. 

I will request that Money Network see in my card activity and let me know of charges. 
If possible, I am allowed to reverse the charges. The pay card company should encourage savings for their members and not spending. Also the communication can build trust. Loosing trust an one card can result in refusing any or all card by the user. I hope the company will review the complaint from the view point of user. 

Thanks. 

XXXX XXXX
Product: Debt collection

They called on a Sunday, they also have been calling on repeat. The account has been purchased by a third party and I did not get notified that it was happening nor did I agree. I also had disputed account with original creditor and they did not follow on the terms and conditions that they set and charged fees that were not valid. There was a lawsuit for it.
Product: Debt collection

I did not get this loan an ex spouse used my information to get loan and not pay it off
Product: Consumer Loan

I submitted a complaint to CFPB case no. XXXX on XX/XX/XXXX about this same company : Republic Finance. A case was opened, the company responded, and I responded thru the CFPB website portal about XX/XX/XXXX. Since there were some peculiar events contained in the original complaint, I had not heard from the company for several months. The complaint was initially about how much money I owed, how much was reported to the credit bureau, and how much the company said I owed according to the original contract. There were discrepancies in all XXXX instances. To date, the company has not sent a complete itemization of the principal balance, interest accrued, interest paid and payments made to the loan. It is a personal loan taken out with personal property as collateral ( which they never saw ). I do still own the property. My concern is that after CFPB got involved, the company stopped all communications with me from approximately XX/XX/XXXX to XX/XX/XXXX. I have received no mail requesting payments for the debt until a few weeks ago. I believe according to the documents presented by Republic Finance they do not want to disclose the itemization of principal balance plus interest separately because they are lying about how much I owe. And they also have used intimidation to attempt to collect. I am writing again because I would like a third party to review this company 's collection practices. I am not in a position to hire an attorney. I just want them to itemize the principal balance, interest and fees in writing. Because the debt is well past due, they should have been contacting me several months ago. It is curious because if I was two days late they would be both calling and sending reminder letters out. the loan is about 2 years old now. Total amount borrowed was XXXX. total amount paid was {$2400.00}. None of the documents Republic Finance sent reflect these amount. The document I received has a return address of XXXX, LA. XXXX. XXXX. Branch # XXXX. Balance amount is now {$2300.00} with a payoff offer of {$2000.00}. Settlement offer of {$1500.00}. Still very confusing since none of the figures amount to what I have on record to owe. My last amount of the loan balance they reported was {$2200.00} as of XX/XX/XXXX. I believe I do not owe them anything because of poor business practice/misrepresenting how much I owed initially, and concurrently, intimidation and false credit reporting posted on my credit report.
Product: Checking or savings account

Opened an saving account at SunTrust bank, was not informed that my account would be converted over to a checking which cause me to have several overdraft fees, called them to complain but it was helping or they were not trying to help me resolve my issue, so now I'm left with a balance with them because they didn't send me a letter or help me with my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Nicholas financial auto loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in XX/XX/2016. it was for a XXXX XXXX, the car insurance windhaven paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.
Product: Payday loan, title loan, or personal loan

Titlemax claims they haven't received a payment that cleared my bank on XX/XX/2020. I had made the payment on XX/XX/2020 and tried to stop payment because I was broke, but I was unsuccessful. Titlemax still received the payment, but they are claiming my bank is withholding the payment due to fraud. Today I went to my bank and got proof of payment. I was trying to pay the loan off and get my title back, but they refused to let me pay it off and get my title back, stating they have still not received the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX 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 Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX  XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, we returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. 

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in XXXX  XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

HELLO CFPB, my complaints against Capitalone bank 1 ) requested personal check after transferring USD XXXX even paid from my account at capital one bank branch where I have i opened the account XXXX XXXX XXXX XXXX but never had the check received to latter take advantage of me by denying access to my own account, to day and in two other incidents i was cut phone connection and the bank tried to send the check to old address but my current XXXX address was on file and i have legally updated via us change of address and IRS web address still the bank is not willing to treat me fairly please research and provide this info with inspector general and XXXX XXXX XXXX XXXX for double standard of service - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scammed by this bank XXXX XXXX and delivery of check may be connected to this check, in which case I request the board to open careful research and file civil suit against this bank, to protect fair right of minorities 3 ) to put one case, I was denied a cancelled purchase return from XXXXXXXX XXXXXXXX XXXX XXXX card which i charged -debit card and after a year and half the seller asked me to take money in cash in which case the bank made prearrangement to be free of legal issues. 
4 ) the bank intentionally declined to reset my online password even propery uploaded for about 4 times to verify 2 way security authentication. please carefully investigate this irresponsible bank if it fits bank standard and forward it to department of treasury and consumer regulatory watch dog. 
please request this to refund my short balance XXXX XXXX with interest to date regardsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.