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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Hi my name is XXXX XXXX in XX/XX/2019 I received a check in the mail from Covington Credit that was cashable upon signing for {$560.00} to be paid back in 8 month installments of {$90.00}. with payments to start XX/XX/2019. I later got a call from South Carolina wanting to know if I had cashed the check. 
Within two weeks I got a letter from a office in XXXX, Ga. confirming the account. 
( XXXX ) Since that time I have attempted to PAYOFF this account. To date I have paid {$580.00} I am told I still owe {$220.00} Intrest. This is abusive. I want to pay it off without these excessive fees.
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a XXXX letter on XX/XX/23 to all XXXX credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Credit card or prepaid card

Unbeknownst to me, I had an automatic renewal charged to my Comenity credit account in the amount of {$20.00}. I was not aware because I never received a statement via email ( paperless statement ) until I orderedmy credit report. There or about the same time, I was contacted, several months later ... with a balance of {$84.00}. At which time, I was told that I needed to pay the past due amount of {$47.00}. I paid that amount and was assured that the negative impact on my credit report would be removed. A month later, I see my credit report is still reflecting the negative impact. I call Comenity and find out that I now have a balance due of {$1.00}. I pay the bill and ask that they remove the negative impact. I'm then told that there is nothing they can do about their intentional acts of fraud. I closed the account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against the following company : CBE Group XXXX XXXX XXXX XXXX, IA XXXX P : ( XXXX ) XXXX I an continuously being harassed by CBE Group for a debt they claim that I owe. I have repeatedly asked them to stop and they continue to call me outside of FDCPA regulated hours. CBE Group knows that I am a resident of XXXX XXXX, California ( and have been for 3 years ) yet they constantly call me before XXXX. 

On XX/XX/XXXX, CBE Group called me at XXXX. I called back and asked them to stop and they ignored me. 

On XX/XX/XXXX, CBE Group called me XXXX. I called back and again asked them to stop harassing me and calling me outside of FDCPA regulated hours. The woman was very rude and said they will call when they want. She verified that I was a California resident, once again, and then proceeded to claim I owe a debt that I know nothing about. 

I am sick of being harassed by this company. They are completely disrupting my quality of life and my family 's quality of life by constantly calling me at wee hours of the morning. In addition, they claim I owe a debt to XXXX and I have never sold anything on XXXX. This company should be fined for illegal collection practices.
Product: Vehicle loan or lease

iLendingDirect processed a refinance of my auto loan for me on XX/XX/XXXX, financed by XXXX XXXX XXXX. As part of the package I purchased a vehicle service contract for {$3100.00} through XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel the service contract. I never received a refund and the amount paid for the service contract was never returned to the bank. On XX/XX/XXXX I followed up with XXXX XXXX XXXX and they responded that the contract was voided prior to be funded and that iLendingDirect still has the funds. I have been attempting to get iLendingDirect to return the funds to me or my lender but have had no success. They keep telling me that I am not sending them the cancellation form which I have submitted twice now.
Product: Money transfer, virtual currency, or money service

There was an unauthorized transaction made on my bank account. The company Remitly Inc., sent money on XX/XX/2019 at XXXX for the amount of {$2100.00} XXXX. I log in to my account and immediately I noticed a transaction was being process without my knowledge. I immediately called them to cancel the transaction but after 20 minutes waiting to get their attention, they said it was sent already and they can't cancel it. I also called my bank immediately and asked to stop the unauthorized withdrawing from my bank account but it was withdrawn so fast. Called the receiver, XXXX XXXX in the XXXX to be aware of the erroneous transaction and let the local bank knows about it. 
I spoke to their manager XXXX and assured me that they will refund the money back. Talking to XXXX and 2 other people last XX/XX/XXXX and XX/XX/XXXX, they demanded that I have to ask my recipient XXXX XXXX to return the money with all the fees incurred and with lower exchange rate and I have to pay them so they can return the money to my bank, XXXX XXXX XXXX. 
I investigated and log in to my Remitly account and the sceen/page showed that I have not touched the SEND bottom to resend the same amount as my previous transaction. Please see the attached copy. 
This is my right according to their Remitly 's Error Resolution and Cancellation Notice. 
WHAT TO DO IF YOU WANT TO CANCEL A MONEY TRANSFER You have the right to cancel a transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel you must contact us at the toll free number or email address shown above before we deposit funds to a bank account or your recipient collects the remittance. 
When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipients account. 

I am seeking your assitance to this matter. I appreciate the help you can extend to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Ca XXXX Tel. No., XXXX
Product: Checking or savings account

On XX/XX/2022, Chime temporarily suspended my account due to an unpaid transfer from an account ending in XXXX. I was told to provide documentation so that my account be reactivated right away. I had provided the documentations several times and they are still claiming they did not receive anything. I emailed Chime my passport front and back, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and an internet bill. I spoke with an alleged supervisor named XXXX for XXXX minutes on XX/XX/XXXX and he stated he got my documents and my account would be unlocked within XXXX hours. Around XXXX on XX/XX/XXXX I got another email saying, XXXX XXXX XXXX After review, unfortunately it appears that no further action can be taken on your account unless the items previously requested can be provided. Please advise if you are able to provide anything additional for review, otherwise we will not be able to take any further action on your account at this time. I already sent the needed documentations and XXXX confirmed Chime received it. This is very frustrating and causing me emotional distress. I need this resolved right away.
Product: Vehicle loan or lease

My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.
Product: Mortgage

My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?
Product: Checking or savings account

My bbva business was moved to pnc bank But i never received any document or communication regarding it. My bbva account didnt have monthly fee but once it got moved to pnc bank XXXX they charged monthly service fee. I didnt knew it because i never realize it was moved to pnc XXXX I tried to call pnc bank multiple time but they couldn't help me. Finally i went to local pnc and close my account but they refuse to reverse monthly fees that was charged on my account. We filed complain and I got call from them stating that account is close and they wont be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted Equifax, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Product: Payday loan, title loan, or personal loan

In preparation for potential reductions in the workforce due to the Coronavirus, I contacted the local First Virginia Loan office on XX/XX/XXXX @ ( XXXX ) XXXX to offer {$500.00} to pay out my account. Unfortunately, the Office Manager, XXXX denied my request indicating I would have to pay {$1000.00} to settle the account ; this information was passed to me from Front Desk Staff ( XXXX ). 

To add additional context, In XX/XX/XXXX, First Virginia approved me for a loan in the amount of {$1000.00}. Over the last 13 months, I have paid First Virginia {$2700.00} and the current balance is {$1100.00} which is greater than the initial loan amount. 

My objective is to settle open accounts with creditors while I have funds available. Given the amount I have paid to First Virginia Loans through XX/XX/XXXX in addition to the above mentioned balance, I would like to identify options to get out of this money trap.Otherwise, payments may cease due to bankruptcy should the Coronavirus continue to impact the economy. I have made an attempt to pay off my account within reason to no avail. 

I understand I signed the loan and ultimately responsible for the debt however, I'm starting to feel a sense of Corporate Greed. Given the downturn of the economy, What happen to Business Ethics? Lastly, I submitted a {$50.00} dollar payment on Friday XX/XX/XXXX and would you believe XXXX has called me on Friday ( After Payment was made ), Saturday, and XXXX XXXX. I am very frustrated with issue. 

First Virginia Loans Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

EQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My family and I have been affected by COVID19 so I longer hold employment. SEEDFI is still forcing me to continue my payments when I clearly told them I wouldnt be able to afford the payments of {$200.00} a month to report positive payments on my credit profile. Once I told them I could no longer afford the payments they deferred payments for 2 MONTHS I was behind on one payment and they advise me that they already gave me a grace period and if I didnt make a payment they were going to report negative information on my credit profile. I tried explaining to the company that it isnt like I dont want to pay, Im just not working right now and cant afford it. Ive work extremely hard to build my credit profile to change my familys lives. Id like to someone how close this account and remove this company from reporting due to the stressful situations this is causing no only for me, but my family as well. Thank you.
Product: Debt collection

I contacted Equifax numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( Date Opened : XX/XX/XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Date Opened:XXXX )
Product: Debt collection

This account does not belong to me. I have not received any papers from this collection agency to dispute this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include XXXX  and Equifax via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX XXXX filed another claim XX/XX/2019 now I am 120 days behind. XXXX, XXXX  and Equifax continue allowing XXXX XXXX a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to trans union, XXXX, XXXX  and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent trans union deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX ACIMA is in WILLFULL NONCOMPLAINCE AND NEGLECTION OF THEIR DUTIES AS A FINANCIAL INSTUTIONS IN ACCORDANCE WITH 15 USC 6802-6804  ACIMA has failed to perform under its obligation as a financial institution under 15 USC 6802- 15 USC 6804. Company DID NOT follow proper procedure to ensure safety of my nonpublic information and has not disclose to me and has not given me any explanation or opportunity to exercise my RIGHT under 15 USC 6802b ( B ) ( C ) and continues to report my non public information to a non affiliated party ( XXXX ) despite my instructions to cease such actions. ACIMA DID NOT PROVIDE EXPLINATION OF MY RIGHTS AND HAS DID NOT NOT GIVE ME THE OPPORTUNITY TO EXERCISE MY RIGHTS TO DIRECT MY NONPUBLIC INFORMATION BEING REPORTED AND INSTEAD LEAD ME TO BELIVE THAT MY INFORMATION MUST BE REPORTED TO THE CREDIT REPORTING AGENCIES NOT GIVING ME THE OPTION TO OPT OUT AS REQUIRED BY FCRA LAW. I am trying to resolve this matter once and for all and move on but ACIMA INSISTS TO CONTINUE IN BAD FAITH AND CONTINUES TO VIOLATE ITS OBLIGATIONS UNDER THE FCRA AND VIOLATE ME AS THE CONSUMER AND MY INSTRUCTIONS. I SIMPLY ASKMFOR MY INFORMATION TO STOP BEING REPORTED AS THEY ARE NOT OBLIGATED BY ANY LAW TO REPORT SO BUT ARE IN FACT OBLIGATED TO GIVE THE CONSUMER AWARENESS OF A CHOICE WHICH WAS NOT GIVEN IN GOOD FAITH.
Product: Checking or savings account

Square placed 30 % reserve on my account. I run a business with operating/overhead costs. I reached out to Square to release some of my funds to help me financially to pay for my bills. They declined. I reached out to Square on more than 5 separate occasions. I have exhausted my savings account and I am at a negative on my checking. I need help getting my hard earned money released. This is wage theft and it is violating my rights. I have no money pay my bills or buy anything for my family. My credit limits are all used up and Square is holding over XXXX of my money I worked for in reserves. This is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered that there are still unauthorized inquiries present. Despite previously contacting Equifax to request a reinvestigation, the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, Equifax, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.