23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

This should be described as " can not pay lender back online within 3 days ''. Speedy cash has a policy where if you pay your loan back within 3 days you will not be charged any CAB fees. This is a great policy however they DISABLE the option to pay online during this time. So you have to go into a store with CASH to pay them back if you want to avoid CAB fees and interest. 

I find this practice to be extremely shady. Why not allow me to make an online payment after I have an active loan? Why am I not able to make an interest free payment online until after the interest and CAB fee kicks in? 

" You have the right to make payments in any amount in advance at any time. " In the screenshot I have attached you will notice there is NO way to make an online payment. If log in after the CAB fees kick in then the option to pay online show up.
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I want to clearly state that I am not using a credit repair company. I am writing this letter on my own behalf, using information Ive gathered through investigation of the Fair Credit Reporting Act ( FCRA ) to understand applicable laws and my rights as a consumer, as well as from my own independent research at my alma mater universitys library, online research through credible sources, and direct interviews of industry subject matter experts. 

In XX/XX/XXXX, I disputed inaccurate and erroneous information on my credit report. An item came back " verified '' by Experian, and I then requested ( on XXXX ) to know their method of verification and description of procedures their investigators used to arrive at this conclusion. This is my right under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. 

After about a month, Experian then responded to this request by sending me another copy of my credit report along with verbiage indicating that this item was once again " verified '', however no information was provided regarding method and description of procedures for the verification. 

So, I gave Experian benefit of the doubt and sent them a SECOND request for verification method on this item ( on XXXX ). Exact same result as before - Experian came back after about a month with the same verbiage indicating that my item was " verified '', but nothing regarding verification method and procedures. 

By now, I know Experian has already twice been in violation of my rights under the FCRA ; however I chose to give them another opportunity. I sent in a THIRD request for verification method on this item ( on XXXX ). The FCRA allows for 15 days, plus mailing time, for a response from the credit bureau. It is now XX/XX/XXXX, and I've heard nothing in this regard back from Experian. 

Experian has now VIOLATED THE FCRA THREE TIMES by not responding to my requests in the 15-day period allowed by the FCRA, and I am exercising my right to demand this item is deleted from my credit report immediately. I am attaching to this complaint written evidence of all I've noted above.
Product: Debt collection

My identify was used at an apartment complex, once I saw the debt and collection show on my credit I called the apartment. They did nothing to help, provided no information for my use or temporarily fix my credit score. I have a police report filled with XXXX XXXX and am in contact with a detective in the XXXX
Product: Credit card or prepaid card

I initiated funds transfer from my debit card Way2gocard-Mastercard to transfers funds to my checking account. The wire was initiated on XX/XX/20 for1100.00 the amount was deducted from the card, but the funds never made it to mybank. 

I called the customer service # provided and it is an automated number, No help at all. 
Contacted the bank that issued the card XXXX XXXX  and they could not help me. 
They refered me back to the automated # which does not have operators. 

I need the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

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 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The most recent checking accounts that I've tried to open are unable to verify my identity. The credit bureau said the same thing when I applied for credit recently. The banks that I've tried were huntington, XXXX and XXXX. I keep getting revolving credit on my report and I have not recently filed bankruptcy. XXXX has cleared their report and have contacted them and noticed my check writing privileges hasn't yet been restored.
Product: Debt collection

On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called at work and this person was very rude as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have late paymenyts showing on my credit report from XX/XX/XXXX to XX/XX/XXXX and this company is indeed misinforming the credit bearus on transition its saying ive been late since XXXX and that ive paid on XXXX and on XXXX its saying that I haven't paid since XXXX this account is showing plenty of innacurate information from the date the account was opened to when it was closed none of the information is matching through all XXXX credit XXXX update my account to paid on time never late and update it through all XXXX
Product: Checking or savings account

I had an account with Wells Fargo and they always charged ridiculously high fees for everything so much so I closed my account
Product: Mortgage

Hello - We currently show 2 Liens on our Property.

1 for - {$81000.00} 1 for - {$1700.00} HUD will not send us 2 separate Pay-Off Statement Letters.

We have made several attempts to request 2 separate letters be sent to us so that we can pay at least the {$1700.00} to get the Lien Removed and showed as Paid asap.

If it shows as 2 separate Liens, we should have them available as 2 separate letters.

Please assistant us with retrieving the 2 separate letters, as soon as you can. 

Thank you in advance for your prompt attention to our request.
Product: Mortgage

I have had a mortgage with Caliber Home Loans since XX/XX/XXXX. We have always paid our mortgage on time, albeit with some payments after the grace period during the month. In XX/XX/XXXX I had to pay a big XXXX XXXX bill and had not received an expected reimbursement from my employer for work related expenses. So we had to pay our mortgage later in the month than expected. 

On XX/XX/XXXX I set up a payment to be made on XX/XX/XXXX. I set the payment up on line and received a confirmation from the company. ( Confirmation number XXXX ). My pay check was deposited in my account on XX/XX/XXXX and I had a balance at that time {$8000.00}. My regular payment is {$2700.00}. 

I had assumed the payment was going to be processed and did n't think about it again until I looked for it having cleared my bank on XX/XX/XXXX or XX/XX/XXXX. I saw that it had not come out yet, but I thought maybe because of the XX/XX/XXXX holiday it had taken longer than usual. I then did n't think to look again until XX/XX/XXXX. When I saw that it still had n't cleared I called the company up to see why they had n't processed the payment. They said they did n't see that I had ever set up a payment. 

I had actually taken a screen shot of the confirmation of the payment and so I asked them to research the payment with my confirmation number. They told me that the payment had been set up and then immediately cancelled by me. I told them that I never cancelled the payment and they had an issue with their computers and was basically accused of being a liar. They told me to call back the next day. I immediately set up the payment again and followed up the next day with another person at Caliber. This person actually did call me a liar and said it would be easy to set up a payment then cancel it and say you had made a payment. I asked for a supervisor and was put on with a gentleman by the name of XXXX. He said he would research the issue and get back to me. He never did, but I was able to get his phone number and call him back. He said he had not heard back from XXXX but would call me when he heard something. I 'm still waiting for that call. I 've left two voice mails for him too. 

This is an awful company who does n't feel accountable to it 's customers and I would go so far as to say has disdain for them. I now have a negative credit report for my mortgage. I am trying to refinance with a new lender. I 'm outraged at being accused of lying about something like this when they made the mistake.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons : Your agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows High Credit reporting {$1000.00} on Experian & {$240.00} on XXXX XXXX INACCURATE! Account Status shows on One Report XXXX XXXX Experian reporting Derogatory, & XXXX reports Transferred. The other report shows Experian reporting Transferred, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report XXXX reports XX/XX/XXXX, Experian XXXX XXXX reports XX/XX/XXXX. One Report reports XXXX XXXX Experian shows Collection/Chargeoff XXXX XXXX XXXX XXXX. INACCURATE! Comments show on one report Experian reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by XXXX, Experian reports the name of the 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE DATA REPORTING! On second report XXXX XXXX XXXX XXXX XXXX XXXX ] shows Last Reported : Experian reports XX/XX/XXXXXXXX XXXX  XXXX reports XX/XX/XXXX. 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fruad Account appearing on my credit report Remove Immediately. XXXX XXXX XXXX {$1000.00} Opened XX/XX/2022 XXXX
Product: Debt collection

The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well
Product: Debt collection

I've asked this company to send me a copy of the original contract with a wet ink signature with the verberage indicating I agreed for any account to be sent to a debt collector because I have no business with Portfolio Recovery Associates and they've refused, also the debt in question last payment date with XXXX XXXXXXXX XXXX  is XX/XX/XXXX. Portfolio recovery is reporting this as a new account as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, please see attached FTC reports and proper identification I have never owned a car and I do n't drive
Product: Debt collection

This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.
Product: Credit card or prepaid card

I had trouble paying my Commenity Bank credit card during covid and they started ramping up interest fees and late payments. I contacted them through the online portal to arrange a payment schedule and try to eliminate the fees. They began calling me constantly and after a few times, I refused to answer. I have been paying {$75.00} a month for the last two and a half years and they keep assessing fees and have jacked my interest to almost 30 %. My balance started at about {$4400.00} and has now risen to about {$4700.00} with fees and added interest. And they call five or six times a day. I have continued to try to resolve this through email, but they insist on calling, and I frankly don't trust my data with a third party in another country. I can pay XXXX XXXX/month under a reasonable interest rate. They have just continued to add on monthly fees and have made my current minimum payment over {$600.00}. I have been faithfully paying XXXX XXXX/month the whole time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my XXXX XXXX XXXX also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXXXXXX XXXX payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.