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

In XX/XX/2019 I had written a check to Advance America for a pay day loan in the amount of {$580.00}. I wasnt able to pay The whole amount back so they tried to ACH my account. It rejected and I set up to start making payments on the balance of {$580.00}. I paid {$280.00} towards the balance. On XX/XX/2019 I talked to XXXX. I told her I had {$80.00} I could bring her when I got off work. She started telling my my minimum payment was {$91.00}. I didnt have the extra {$11.00}, but I told her I would try to come up with it. I couldnt come up with it, so I wasnt able to make the payment. On XX/XX/2019 they sent in the ACH for {$580.00} to my bank account. My bank paid it in full on XX/XX/2019. They never took into account the {$280.00} I had already paid towards the balance owed. I called asking why they didnt consider the money I had already paid and XXXX told me I could just bring something showing it was paid by my bank and get a refund. Well on XX/XX/2019 I went up there for my refund. They refused to give it to me. They said they had to wait for their supervisor to approve it, or the system to let me have it. I called everyday trying to get my money back. On XX/XX/2019 my husband finally called their call center to make a complaint. The lady looked in the system she said your account has been paid and closed. She said just call up there and ask for your refund they have to give it to you. I told her I already did that and they refused giving it to me. She said they have no reason to hold onto your money. I will call the supervisor over that branch and have her over ride this. She said I will also have her call you directly when she gets out of her meeting. XXXX called me at XXXX cst she also refused to give me my money until XX/XX/2019 and told me how it was my fault they sent the check in basically. She even told me that the center lady didnt tell me they had no reason to hold my money. XXXX did not know my husband was on 3 way listening to the call center lady tell me this. XXXX also told me on XX/XX/2019 that Dotty didnt refuse my payment that I could of paid {$20.00} if that was all I had. I told her that was not explained to me by XXXX. On XX/XX/2019 at XXXX I went to my bank. I talked to them about possible rejecting the ACH. They told me it is to late they had already paid Advance America off on XX/XX/2019. They gave me a print out of my account showing nothing was pending and said take that and try again to get my money refunded to me. I did and XXXX finally refunded only {$250.00} of the {$280.00} I paid them. I dont think pay day loans should be able to send a ACH for The whole amount when someone has paid on something. This is theft! This is ridiculous I had to chase my own money around like this!
Product: Debt collection

Vance and Huffman placed a collection account on my credit reports on XXXX XXXX for a creditor called XXXX XXXX in the amount of XXXX. I dont have any record of having an account with XXXX XXXX. I requested a verification of this account and supporting documentation and never received it. I also attempted to dispute this account and was told that the information is valid. Again I dont have any written verification of this debt or supporting documentation from the original creditor. This is not my account.
Product: Money transfer, virtual currency, or money service

I transferred {$80.00} in bitcoin from my online exchange account with Crypto.com and they charged me {$40.00} or 50 % or XXXX XXXX on a XXXX XXXX transfer. The fee should be a few dollars at most.
Product: Credit reporting or other personal consumer reports

18 U. S. C. 1028A & 15 USC 1681B ( 2 ) XXXX XXXX XXXX {$73.00} XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to formally dispute and demand the immediate removal of inaccurate information on my credit report regar

ding erroneous collection accounts and late payments, addresses, and names. This letter constitutes my official notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer laws. These entries are disputed as they do not meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ) and violate the requirements of 15 U.S.C. 1681a ( 2 ) ( xi ), which obligates furnishers of information to report accurate information related to consumer debts. Under 15 U.S.C. 1681i, I demand a th
orough investigation into these disputed accounts. XXXX required to complete this investigation within 30 days of receipt of my request. According to 15 U.S.C. 1681i ( a ) ( 5 ), XXXX find that the information is inaccurate or can not be verified, it must delete the information from my credit report.

Furthermore, please be advise

d that under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers under certain conditions, particularly when the consumer is represented by an attorney. Additionally, 15 U.S.C. 1692g mandates that consumers have the right to dispute any debt information. Therefore, I expect your immediate compliance in verifying the accuracy of the reported accounts. Moreover, should it be determined that any of the disputed accounts were inaccurate or unverified, I expect those entries to be removed from my credit report in accordance with the laws outlined in 15 U.S.C. 1681e ( b ) and the prohibitions against unfair practices as enforced under 15 U.S.C. 1666b for consumer credit protection. I also remind you of the responsibilities under 15 U.S.C. 1635, which grants consumers the right to rescind certain transactions. Should these inaccuracies fall under this category, I will exercise this right to protect my interests. I was informed that they would not removed improper, and non mail able address because they were associ
ated with old accounts. ( Please see attached ) Please be advised that if XXXX fail to resolve this dispute satisfactorily, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider legal act

ion against your agency for non-compliance with the FCRA, including potential damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance. This is a formal notification of my expectations for immediate action regarding this urgent matter. I appreciate your prompt attention and look forward to your written response within the legally mandated 30-day investigation period, detailing the actions taken in response to my dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

I had submitted my auto-pay information for my first payment on XX/XX/XXXX. This payment had not gone through. I contacted ServiceMac to resolve the issue. They were able to get my payment processed. I asked to do bi-weekly payments. I was run around without guidance in how to set this up. I was finally told I would need to pay an extra month. I paid the extra amount, provided my account information to get on autopay for the next month which would begin XX/XX/XXXX. My payment never went through. I contacted them and was told I would need to pay their XXXX $ fee for the returned payment. The account info I had provided worked for the previous payment but for some reason did not work for the next payment. I have now spoken to servicemac on XX/XX/XXXX and XXXX, XX/XX/XXXX, XXXX and XXXX. Each time I was told that I would need to wait to see my payment show up in my bank statement. I have verified my account information with them and have now been charged XXXX XXXX $ fees due to them claiming my account information was incorrect. This account info has worked for previous payments and should continue to work but for some reason they cant get it right. I also get told that the payment will show up within 1-2 business days which is ridiculous as all my other bills show the same day they are due in my bank account. I have had no assistance and continue to be blamed when the account info I have provided has worked previously but for some reason it wont work everytime for them. I feel they are just trying to get extra charges out of me.
Product: Debt collection

Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything.
Product: Credit reporting or other personal consumer reports

RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE.

UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROMXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX  XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over thirty days ago I wrote XXXX XXXX XXXX asking to validate the alleged debt and as of todays date, XXXX XXXX has not responded to my dispute.
Product: Debt collection

NO WORDS CAN EXPRESS MY EXTREME CONFUSION AND ANNOYANCE REGARDING THE PERSISTENCE OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT!!! YOU WERE ABLE TO EMAIL A CORRESPONDENCE SHOWS NO EXISTENCE OF FRAUD ACCOUNTS AND SHOWS POSITIVE OUTCOME OF XXXX XXXX. YET, THIS CAUSE ME CONFUSION AS THERE WERE NO DETAILED INFORMATION REGARDING THE DISPUTED FRAUD ACCOUNTS EITHER THEY WERE DELETED OR NOT. IM AFRAID THAT THOSE FRAUD ACCOUNTS MAY PERSIST ON MY NEXT CREDIT REPORT AND KEEP ON TARNISHING MY CREDITWORTHINESS!! THIS PROBLEM HAD CAUSED TROUBLE TO MY SLEEPING ROUTINE AND MY HEALTH AS WELL.

PLEASE STATE THAT THESE ACCOUNTS ARE ALREADY DELETED!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!!XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
I am reporting these fraudulent accounts, providing you with comprehensive evidence, including correspondence that unequivocally proves the non-existence of these accounts. I have attached copies of the documents previously submitted for your reference. The validity of my claim is irrefutable, and I expect prompt action to rectify this matter.

It is both disheartening and incomprehensible that, despite the evidence I have provided, these fraudulent accounts may persist on my credit report. This oversight on your part is not only causing me undue stress and frustration, but it is also damaging my financial standing.
Product: Mortgage

Friday XX/XX/XXXX XXXX name is Fracklin XXXX and XXXX address XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX I Living in this adresse since 22 years, since I bought my house I never paid my mortgage late, and I'am the XXXX paid my home owner insurance, my property tax also, in XXXX XXXX received an notice from Wells Fargo bank told me I owe d them XXXX XXXX dollars with out detail, and they added XXXX in my regular monthly payment that I suppose to paid every month XXXX dollars now they charged me XXXX XXXX dollars and they never gave me details to tell me why and my mortgage balance is XXXX. I'm the one who pays my tax and insurance and when I called them they told me if I put a deposit in my scrow account for XXXX dollars they will put my mortgage back at the regular price and I did when I call them again to talk to them, they still remained that amount in my account and they never gave me details on why they charged me XXXX and I requested them to close my scrow account, they refused. I need you guys to help me review my account with them and I made the deposit of XXXX dollars for them on Monday XX/XX/2022 the check number is # XXXX. Feel free to get back to me at XXXX or XXXX. And XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Product: Student loan

, my student loans was supposed to have been paid off for student loan forgiveness that also it was supposed to been wiped off my name because of the college that I attended with XXXX XXXX and with that being said these colleges with accepting us without a GED or high school diploma and yet they still let us attend and go further with it when we was supposed to not finish under those circumstances cuz we did not have to ask history backup
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/1991 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXX XXXX  Bankruptcy Ref : XXXX, XXXX XXXX ( inquiries )XXXX XXXX ( inquiries ), Experian Business Credit ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I had a credit card with HSBC in XXXX. I had a purchase on the card for {$1200.00} at furniture store in XXXX, WA. I had lost contact with them until XXXX. They started calling stating this debt and began threatening court procedures and possible arrest. I spoke with a gentleman in XXXX an informed him I was on XXXX XXXX from a near fatal car accident. This man stated he could and would write the debt off which was now around {$3000.00}. 
I never heard anything until after covid..They have and continue to call my family members. I have reached out a handful of times via phone stating this debt was supposedly wrote off in XXXX and to stop contacting my family members and myself. I have stated I will contact the FTC and file a complaint and After several months of them knowing my physical address and stating they have sent individuals with legal papers to sign and or receive..I have not seen or heard of any such person.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are XXXX unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX XXXX  XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, XXXX, Transunion for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, XXXX, TranSunion to correct their reporting of me - again, not late, but in a modification program.
Product: Payday loan, title loan, or personal loan

I have XXXXXXXX XXXX  through synchrony bank. 
I was charged a late fee by this bank even though I submitted the payment 3 weeks prior to the due date. This is the XX/XX/XXXX payment and the statement was generated on Upon contacting the bank, I was told that because I submitted the payment on the same day as the statement was generated, XX/XX/XXXX. This payment was accounted for the previous month payment, thus showing that I made XXXX payments in XXXX and a late fee in XXXX. 
The bank acknowledged that the late fee was removed but I am still accountable for paying the minimum payment for XXXX, which is 3 times more than the usual minimum payment. 
Penalizing the customer for paying before the due date is ridiculous. This is a first time experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.