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

I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.
Product: Credit reporting or other personal consumer reports

I am having issues with Equifax having to keep submitting to them that the two current accounts are closed and they we're included in my XXXX  XXXX bankruptcy that I filed in XXXX and now it's currently discharged these two accounts are listed correctly with the other two bureaus, I don't understand why Equifax refused to straighten this matter out I have told them over and over that these accounts are closed they shouldn't show a balance and they shouldn't show that they are open because they were included in a bankruptcy
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report Dear Navy Federal Credit Union Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following account : NAVY FCU : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiry for the account referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a car loan through capital one auto finance. I originally got the vehicle in XXXX. Throughout the time I had the car, I was struggling due to the pandemic, I fell behind and it was very tough to stay current on payments, I did my best to make payments and get caught up but the pandemic made this very difficult. From XX/XX/XXXX through XX/XX/XXXX I made late payments. I was in contact with capital one auto finance regarding my hardships. They had waived late fees and had tried to put payment plans in place. They still made negative reports on my credit regarding this situation, knowing that the cares act protects situations like this. When calling to and speak to them now that the loan has been satisfied in full, they wont provide me with a deletion letter or do anything to remove the negative marks on my credit report.
Product: Student loan

Paid off my XXXX loans onXX/XX/24. 
Checked back today. Loan # 1 is paid. They applied {$600.00} as an overpayment on loan # 2 and left a balance of {$600.00} on loan # 3 and are charging me interest still. I called and of course the only people you can get ahold of there spend 10 minutes verifying your contact information but can't do anything. They are charging me interest on a paid off balance
Product: Credit reporting or other personal consumer reports

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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX XXXX XXXX Account # XXXX  ... Account Name .... XXXX XXXX XXXX... Account # XXXX .... Account name... XXXX XXXX XXXX XXXX... Account # XXXX ... ..15 u.s.c 1681 section 602 A. state 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.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

After initiating an XXXX loan application with the Navy Federal business services representative in my local area, using my home address as we established our franchise aquisition, my husband and I each received debit cards and the accompanying pin numbers, from Navy Federal, at the retail store location, before we took pocession of the business or had access to that mail. 
We later received an account statement that was opened for our business, under the company name, that was opened XXXX, using a wire deposit from my personal checking account, of {$100.00}. 
On XXXX the account was closed. 
I DID NOT REQUEST OR AUTHORIZE ANY OF THESE TRANSACTIONS! 
I was only aware that the XXXX did not approve our loan and so I did not anticipate working with Navy Federal commercial banking in any way, into the future. How and by whom were these cards and this account initiated?
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I do not know this company called Dept EdXXXX. I think these people are fraudulent or someone stolen my identity or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Dear KIKOFF LEND, Re : Pre-Demand Notice for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misleading information furnished to the credit reporting agencies regarding my account. These violations have caused significant harm to my creditworthiness and financial standing. 

XXXX XXXX XXXX  Violations of the FCRA **1. Failure to Provide Proof of Validation** Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide proof of validation when a consumer disputes the accuracy of information. Despite my request, you have failed to provide such proof for the disputed account. 

**2. Discrepancies in Close Dates** The close dates reported are inconsistent across different sections of my credit report. This violates the FCRAs requirement for accuracy and completeness. 

**3. Incorrect Dispute Status** The dispute status listed on the report does not accurately reflect the current status of my disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are obligated to report accurate information, including the status of disputes.

**4. Inconsistent Dates of Last Verified** The dates of last verification for the disputed accounts vary across my credit report, indicating a lack of proper investigation and validation.

**5. Incorrect Date of Last Activity** The date of last activity reported for the accounts is inconsistent and incorrect, affecting the statute of limitations and my credit score.

**6. Different Payment Status** The payment status reported differs across various sections of my report and does not match my actual payment history, violating the requirement for accuracy under the FCRA .

**7. Misleading and Inaccurate Reporting** The entire report presents a misleading and inaccurate picture of my credit history, which is a direct violation of the FCRAs accuracy requirements.

XXXX XXXX XXXX Demand for Correction and Compensation Given these multiple violations, I demand the following : 1. **Immediate Deletion of Inaccurate Information : ** Remove all inaccurate and misleading information from my credit report.

2. **Monetary Compensation : ** Provide compensation of {$1000.00} for each of the seven identified violations, totaling {$7000.00}, as provided under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). 

Please consider this letter as a formal notice before legal action. If these inaccuracies are not corrected and the compensation provided within 30 days, I will be forced to pursue legal remedies to protect my rights under the FCRA and other applicable consumer protection laws. 

I trust this matter will receive your immediate attention. Please provide written confirmation of the actions taken to resolve these issues and the payment of the demanded compensation within the specified timeframe. 

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

I have contacted all three credit agencies. Equifax, XXXX, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Product: Credit card

Originally the credit card was declined on XX/XX/XXXX. I called and they said they needed to send me new cards. I never received new cards. I called XX/XX/XXXX to report this. They said they were sending me papers to verify my identity. Never received. I called XX/XX/XXXX and told them to cancel my card. They said they will cancel. I then get a letter in the mail asking if I changed my address. I called and was told the account was closed. XX/XX/XXXX my checking account was charged {$7500.00} from this credit card. I called and was told I have to send a copy of my drivers license and copies of utility bills. I overnighted them that day. I called today XX/XX/XXXX and was told it would take 1 months to investigate. In the meantime I am out {$7500.00}. When we used this card we never charged more than {$750.00}. Wouldnt you think they would have called it suspicious if we charged that much? Synchrony Bank is not helpful. If someone wants to change their address they should require them to produce the information I had to providel
Product: Debt collection

I am writing regarding the above-referenced account. Under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt, except as permitted by law.

According to 1692c, debt collectors must respect a consumers request to cease communication. Therefore, I demand that you immediately stop all communication regarding this account unless : You confirm that no further collection efforts will be made, You notify me of specific actions you intend to take, such as filing a lawsuit, or You provide legal notice as required by law.

This letter does not constitute acknowledgment of the debts validity. If you believe the debt is legitimate, I request full validation under 15 U.S. Code 1692g ( b ), including documentation to verify the debt and your authority to collect it.

Failure to comply with this cease-and-desist request may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Georgia Attorney Generals office for violations of the FDCPA. 
Thank you for your prompt attention to this matter. I expect written confirmation of your receipt of this letter and your intention to comply.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XXXX to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

I worked for the City of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. My credit report from XXXX Bank in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XXXX 2014 - XXXX 2014 through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the XXXX XXXX XXXX XXXX but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX =======XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX =======TRANSUNION : XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Mortgage

I did a business transaction with XXXX XXXX ; XXXX XXXX manages his finances. The real estate transaction was complete, and equity trust mailed the check which was from Citi Bank. When I cashed the check at XXXX XXXX the check did not clear. Because of this XXXX XXXX turned my accounts over to the fraud department and all of my XXXX XXXX accounts are now frozen. My business account has been closed. XXXX XXXX never communicated anything to me or my bank about the funds or the cancellation.
Product: Payday loan, title loan, or personal loan

I signed up for a payday loan, and whereas most agencies charge a reasonable fee, even for long-term payday loans. SpeedyCash is charging me {$1300.00} for a {$390.00} loan! According to the paperwork that's 634,88 % ... Isn't that a tad bit obscene? Most agencies charge like {$50.00} at the most for finance charge, even for longer term loans. Isn't that {$1300.00} just a tad bit excessive????