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

On XX/XX/XXXX, I received an email asking if I'd like to apply for a personal loan. Once I applied, I was matched with Amplify Funding as a lender. I completed the application, received a message saying I was approved for {$1200.00} and to call the toll free number for verification. Once I was on the phone with a rep from Amplify Funding, I was asked to log in to the website and complete the application process. I was asked while completing the initial application if I could afford a payment over {$250.00} per month. I answered yes. But it wasn't until I was approved and reviewed the loan document online that I realized I was expected to make 12 payments of {$410.00} per month with an interest rate of XXXX percent. My {$1200.00} loan was going to end up costing me {$3700.00} in interest. 

After investigating Florida financial law, I realized this company is not licensed to do business in the state and the XXXX percent interest rate also violates Florida law. 

I wrote a letter to Amplify Funding which I attached to an email and sent on XX/XX/XXXX stating that the loan violates Florida law including the reasons why, and that I am only obligated to repay the principal. I also stated how I would repay the loan and asked Amplify Funding to contact me to set up the payment plan. They responded to my email ignoring my request and stating although the ACH had been cancelled, I was still responsible for paying the entire loan amount of {$4900.00}. 

I sent another email on XX/XX/XXXX again stating the same information as above and asked them to contact me to set up a payment plan. I also requested a letter from them confirming the loan will be considered paid in full once I pay back the {$1200.00} principal. I have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunset Finance sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, Sunset Finance used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that Sunset Finance reported my account as a delinquency of 60 plus days to XXXX. I disputed the information with XXXX  and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1100.00} date Open : XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there were fraudulent accounts and inquiries on my credit report. Please remove the fraudulent accounts and inquiries from my credit report as they are hurting my ability to obtain credit.
Product: Debt collection

I noticed several accounts on my latest credit report that I believe were included without my permission. I ask that these fraudulent accounts be removed immediately.
Product: Credit card or prepaid card

I received a phone call from T.D. Bank advising me that my account was in a delinquent status. I was baffled and informed them that I have payments set up automatically each month through my bank & havent missed a payment. They informed me that although they were receiving payments each month, they were posted after the due date, thus the late fee. I informed them I could move the deliver by date or even set up Auto pay through them to fix the situation and asked that they waive the late fees. They refused. Another issue is that I was unaware of the delinquent status of my account until months later. I mentioned I never got a phone call, voicemail or letter from them until months later. In fact, when I spoke with the collection agent I informed him I hadnt received anything and he confirmed he didnt see any letters sent out ( their calls are recorded so they can verify this ). A week or so later I received all of the letters at once. Had I been notified sooner I wouldve rectified the situation. I spoke with them again today and they said they were only willing to waive 1 late fee, but there was still {$210.00} past due. Had they called me or sent me a letter after the 1 late fee was assessed I wouldve made sure to correct the situation. Instead, they waited until a substantial amount of late fees were stacked up and then made an effort to reach me. All in all, I find this very unethical on their part and just want to resolve this matter without it effecting me further. I dont know if this has already impacted my credit score, but I will look into it. Im seeking the reversal of the late fees and to set up auto pay directly with them. I dont go around not paying my bills. Ive been treated unfairly and just want to make this right without taking food off my familys table.
Product: Credit card or prepaid card

On XX/XX/2020 I was approved for an Amazon Store Card from Synchrony bank. I did not make any purchases using the card. The only balance on the card was from my XXXX XXXX subscription, which apparently moved automatically from my existing credit card over to the new Synchrony Card. 

I applied for the card expecting to be able to make payments online. However, every time I tried to use the Synchrony website 's " pay as a guest '' feature, I was met with a nondescript error message ( something along the lines of " unavailable. try later. " ). I never would have applied for the card had I known paying online was not an option for me. Synchrony 's customer service was not able to resolve this. 

Due to the a ) unforeseen balance on the card and b ) inability to pay online, I racked up delinquencies on the card. The resulting impact on my credit was way out of proportion considering the circumstances, and the fact that this all stemmed from the {$9.00} subscription charge with no other purchases. 

Upon explaining the situation to Synchrony Bank 's customer service, I was promptly shut down and to my knowledge no report was filed and no additional information was relayed to the credit reporting agencies. 

The net effect is that one {$9.00} charge and a faulty website have affected my ability to get approved for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX  well as follows 1. XXXX twice, 2. XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XXXX ( to cancel this debt ) and income is not reported on a credit report!
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX  ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Product: Debt collection

Where is this debt coming from i dont know? I dont owe any money. Ive contacted the collection agencies, and they cant find me in their system. Im very distressed that they havent removed me from the credit report. I need help to resolve this and stop the harassment from these agencies over money I dont owe. 

Agency Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Phone Number : XXXX XXXX ( XXXX ) ( XXXX XXXX ) Note XXXX ( XXXX XXXX is working on the case, and I provided them with screenshots, but they still couldnt find me in their system. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX Transunion, XXXX  and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I made a permanent change of station to XXXX XXXX, Texas. I moved into government privatized housing and resided there until I received new orders transferring me to XXXX. XXXX, Texas in XXXX. In XXXX when I reviewed my credit report I noticed a negative entry on my credit from Hunter Warfield Collections Agency. After contacting the collections agency I was informed that the property management company charged me for a damaged kitchen countertop, however the countertop was already damaged as with most things in government privatized housing. It is of no fault of my own that the management company did not properly document the items that was reported and therefore I am requesting for the collection agency to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Request written signed proof of this being my account. What I received was a letter statement in which XXXX  ses they no longer have a copy of the application provided. 
They basically state they have no proof of this being my account. But it is. This is unacceptable.
Product: Checking or savings account

My checking account has been blocked on Monday ( XXXX ). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 6 times. In sum, I spent more than 15 hours on this line including XXXX time when I was on the line almost 6 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help. 

I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.
Product: Mortgage

We refinanced and consolidated debt with Northern Lakes Mortgage in XXXX XXXX Missouri. This was about 10 months ago. Everything went fine the first time around. They told us after this closing that they would XXXX reaching out to us to refinance agin in 6 months to lower our payments as rates would be lower. The person assisting us was XXXX XXXX, who is also part owner. He called us and said he could now get us a much lower payment and get us between {$16000.00} to {$20000.00} at closing. He said that this refinance would be free and they wouldn't charge us anything, since we just did business with them a few months back. We believed everything he was saying. I even have emails, and texts with these exact words. Everything about XXXX and this company are corrupt. We got swindled!!! We never got our proceeds and our payment is even higher. They also hit us for another {$44000.00} in fees, which made or equity lower. After repeated calls, emails, and texts. XXXX continued to say for months that the check was on its way. I even I have conversations with him saying that he would email me mailing confirmation information.After months of this we finally get another call from XXXX the other owner. He said he was very sorry for XXXX not being truthful. He said we would not be getting any proceeds and he was truly sorry that we were lied to. However, he stated that his hands were tied and that he might be able to save us some money on mortgage insurance in the future. I'm injured right now and not working. We have always paid our bills. But with the what happened to us. We are in serious debt and might have to file bankruptcy, because of this company. We are currently trying to get legal help with this issue. This company should not be in business.
Product: Credit card

Citibank illegally reaged my account. Citibank misrepresented the date of first delinquency, and also misrepresented the date that my account charged off when they sold the delinquent account to XXXX XXXX XXXX XXXX XXXX ( XXXX ' ). 
The Citibank record no longer appears in my credit reports because Citicards is aware that the delinquency occurred in my account more than 7 years and 180 days ago. However, in their sale to XXXX XXXX, these dates are misrepresented, thereby XXXX XXXX reported the collection account in my credit reports ( XXXX, XXXX & XXXX ). 
I am requesting Citibank to immediately provide me the following items : Please provide the following regarding these account numbers:1. Date of first delinquency leading up to account charge-off2. Date of charge off3. Complete monthly statement history from account XX/XX/XXXX to XX/XX/XXXXPlease note that this case is being forwarded to the FTC. Please reply in official Citi letterhead.
Product: Credit reporting or other personal consumer reports

Experian was sent a letter and dipsute XX/XX/2023 should have received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

TJ MAXX Credit card, I went ahead and submitted a request regarding charges from an imperfect produce, the charges were all credited, at the time of the request. A new card was issued with new number. Now here we are 3 -4 mos later and the card re charged all the charges to the new card. Added it to my balance. I have not received imperfect produce, other than the introductory 1 box - which I had explained. And because of that they refuse to remove the charges/ when I call the credit company Synchrony they state they are transferring me to another dept and then I get cut off. Assist please