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

The organization goes by the name of Blue Trust Loans. I filled out a form posted on their website. Then I received a phone call from someone in their Customer Service department. They asked me to verify the information I had made online.They also asked what dates I was paid on. 

I was told that for the {$500.00} loan if I paid it back before the first payment was due I would owe {$650.00}. If not there would be 6 payments - the first {$150.00} and then 5 payments of {$160.00}. Which I have paid. The payments where taken by a company called Hummingbird. 

On XX/XX/2018 I went to my credit union to close the account for a reason not connected to this. Then on XX/XX/XXXX I got a phone call from Blue Trust that a payment was returned to them. I told them ( XXXX ) that I had made the 6 payments and had the transaction report from my bank. She proceeded to tell me that I owed another 6 payments of {$160.00} that is additional interest. I requested they send me an email that stated all this. It has never been received even though I have asked 3 times now. I told her that this was not what was explained to me and that my next phone call was going to be to an Attorney. 

On Wednesday XX/XX/XXXX they ( XXXX ) called on my employers main client line. 

They have been calling my cell phone from a " Private number '' and then leave a message with different phone numbers to call them at - XXXX and XXXX. 

They have shown that they are misleading on the loan and have a deceptive business practice.
Product: Credit reporting or other personal consumer reports

I sent a letter on datedXX/XX/XXXXXX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

A fraudulent account was opened in my name in XX/XX/2017. After claiming identity theft, XXXX and XXXX has verified this account as fraudulent. Synchrony has continued to report to XXXX which is illegal.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account from XXXX XXXX that went to collections. I had no idea about this debt because it is not mine. A bill, Id surmise, has been paid using my social security number in Texas. 

Ive had a previous inquiry of a similar case in which Ive provided everything I can to clear my name of the debt, including filing/submitting a police report and showing proof of residency in XXXX XXXX XXXX I froze my credit score too, because it was clear my SSN has been leaked. I dont know man, I only use my SSN when I submit taxes and stuff. 

But I put a dispute in for this case and Experian came to the conclusion that the debt is mine. Its so very obvious that it isnt, yet this is going to continue to stay on my record until XXXX according to my credit report. 

Ive lived in XXXX XXXX all my life, save for college in XXXX. I have no knowledge of any fraudulent accounts in XXXX, and it should be really clear that its not mine.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my Toyota Financial account ) recently I received a notice that Toyota Financial has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. Toyota has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. Toyota internal request XXXX
Product: Student loan

In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates being reported.
Product: Mortgage

Application, Inquiry Date XX/XX/2022. Company using my SSN to obtained the funds from completed and incompleted applications, while I receive no credit in return for what I applied for. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, Credit Consumer is denied based on information obtained from third parties other than consumer reporting agencies bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Adverse action was taken based on information furnished by a corporate affiliate of the person taking the action. Adverse action was taken based in whole or in part on information in a consumer report.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX cash app by XXXX XXXXXXXX and XXXX XXXXXXXX am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ( date ) XXXX Credit Bureau [ XXXX Address ] [ City, State, ZIP Code ] Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your company 's failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for engaging in sham investigations and failing to properly address consumer disputes. It is unacceptable that XXXX, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. Below, I cite three key federal laws under **15 U.S.C . ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c - Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXXXXXX XXXX failure to remove or correct such information violates this provision and harms my creditworthiness. 2. **15 U.S.C. 1681e - Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXXXXXX XXXX sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 3. 3. **15 U.S.C. 1681i - Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXXXXXX XXXX pattern of conducting inadequate or sham investigations, as highlighted by the CFPB 's enforcement action, is a clear violation of this law. I demand that XXXX : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report. 2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made. 3. Remove any inaccurate, incomplete, or unverifiable information from my credit report. 4. 4. Cease any practices that violate federal consumer protection laws, including sham investigations. If XXXX fails to comply with these demands within 30 days of receiving this letter, l will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial wellbeing as a result of XXXXXXXX XXXX negligence and noncompliance. This letter serves as formal notice of my dispute and a demand for immediate action. I expect XXXX to uphold its legal obligations and protect my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was charged on XX/XX/year>, for an XXXX purchase via SYNCHRONY BANK / XXXX XXXX. I never got anything for the XXXX buyer, XXXX says it's been delivered but the FedEx number was not for my house or my name on it. I have summited XXXX different disputes with SYNCHRONY BANK / XXXX XXXX, they will not take the charge off and will not show what proof they have from the XXXX buyer that it was delivered. Again XXXX different dispute reports and no one can confirm that it was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$65.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, Transunion, XXXX and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done and was results from Transunion, XXXX and XXXX was that the merchant XXXX will not update to good standing and no late payment.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan of XXXX ; paid XXXX biweekly ... paid over XXXX and in XXXX fell on hard times ... asked for a payment plan but was ignored at first..then later they auto drafted funds in double payments same day which pushed my account into overdraft ... I asked again for a payment plan since I had paid into the account faithfully and needed a better option, they refused and said I needed to continue paying and that was my only option ... I asked to have my debit card removed and they still have not removed it ... they are trying to run my debit daily since XXXX. This company is terrible and does not assist their customers at all with better options if they fall on hard times. I even asked for a settlement and they refused me again
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

# # # Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account XXXX : XXXX XXXX. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score.

- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pursuant to Florida statute 559. 715 of the Florida Sunshine Law, Global receivable Solutions has yet to send out a letter of assignment and they have had this debt assigned to them sinceXX/XX/XXXX. This means that a letter of assignment would have had to have been sent out no later than XX/XX/XXXX in order for them to be compliant under Florida law. I was told by a representative of global receivable solutions that they did not have to follow the law considering the dead have been previously assigned to them back in XX/XX/XXXX but had been recalled by XXXX XXXX XXXX Hospital billing department on XX/XX/XXXX. As such, the debt was reassigned to Global receivable Solutions on XX/XX/XXXX which means that Global receivable Solutions still has to follow the letter of the law as outlined under the Florida consumer credit protection act, which they have not done. Therefore, Global receivable Solutions is leaving themselves and they have not followed the Florida consumer credit protection act nor the fair debt collection practices act by giving me the validation dispute time frame. This company has already had a complaint submitted against them by myself back in XX/XX/XXXX alleging the same transgression committed by this organization.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : BRIDGECREST FORMERLY XXXXXXXX XXXX XXXXXXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information.

1. Prohibition a ) reporting information with actual knowledge of errors.

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the payment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Recently my last payment have not been applied as interest and principal payments.
Product: Debt collection

Debt was paid on the phone and confirmed with XXXX as paid and done. Additionally, debt is past the statute of limitations and should be taken off the credit report.
Product: Debt collection

I reviewed my credit report and found some fraudulent accounts. Please remove them as they are affecting my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I previously used Dave.Com, dba Dave Inc. for services and secured an extracash ( cash advance ) of {$500.00} including a fee of {$22.00} for instant deposit. Per the terms of the agreement and under CFPB regulations, and including the EFT act, I submitted a notice of ACH revocation. DAVE acknowledged receipt, and despite it meeting legal requirements, refuses to honor the request. DAVE subsequently debited my account using a different name to circumvent a bank hold, ACH notice, an attempt to fail to comply with the law/regulations. DAVE is intentionally and maliciously attempting to circumvent CFPB regulations, regulations under the XXXX XXXX, and further ignoring other legal notices ( please note that I send a demand notice and notice to preserve evidence as required under rule XXXX and applicable federal/state law. ).
Product: Credit card or prepaid card

On XX/XX/XXXX I have three charges on my credit card which at the time ended in XXXX, for {$130.00} each. I did not notice that this charge fraudulently appeared 3 times. I ordered a product in a presale from XXXX XXXX, which ending up stealing the funds from thousands of people. In XX/XX/XXXX they notified everyone that they were not going to be able to ship their product. ( This was the second fraud, after charging my card 3 times instead of 1 time. 

I contacted CHASE Bank and they told me that there was nothing I could do since I could only dispute transactions for the last 3 statements. There was a XXXX page started for all purchasers of XXXX who had their funds stolen to give people information on how to get their funds back due to fraud. EVERY few days since XXXX there are people posting on the site about how their credit card company ( INCLUDING CHASE ) refunded the amounts since they accepted the charges of this fraud. The charges appear on my Card as " XXXX ''. All the posters say that the 3 statement limits did not apply since the delivery date was in the future and the company never delivered or returned anyones funds. THE TIME PERIOD SHOULD RUN FROM THE DATE OF NOTIFICATION WHICH WAS XX/XX/XXXX. I have tried 3 times over the last few months to dispute these charges to no avail, yet I see today, that there is another Chase Cardholder whom successfully disputed their charge along with testimonials from many people receiving their funds from many credit card companies due to the fraud. I feel i should be entitled to a credit of the {$400.00} fraudulently charged to my card. ( 3 charges of {$130.00} )