23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX. 

In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Date opened XX/XX/2015 Collection amount XXXX This is not my debt Ive never had any account with this company.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request the removal of an account from my credit report as reported by Experian. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$2700.00} from XXXX XXXX XXXX XXXX ( Account # : XXXX ) and {$780.00} from XXXX XXXX ( Account # : XXXX ), listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries from both JP Morgan Chase & XXXX XXXX  for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Convert USDC XXXX XXXX XXXX UTC Receive USDC XXXX *** missing rewards here *** XXXX XXXX UTC Receive USDC XXXX *** above amount of reward is below expected *** XXXX XXXX XXXX Receive USDC XXXX XXXX XXXX XXXX Send USDC XXXX here is the math, and logic, i converted XXXX once i discovered that USDC rewards are not being received from this we can reverse XXXX - XXXX = XXXX was the balance since XXXX without doing complicated compounding math, XXXX * XXXX ( APY ) = XXXX ( annual expected reward total ) we then take the XXXX and divide by XXXX ( months ) = XXXX ( monthly reward ) XXXX * XXXX = total expected, currently missing XXXX of USDC reward for the balance XXXX held between XX/XX/XXXX and XX/XX/XXXX I have made numerous attempts to resolve this, tickets, phone call, coinbase subscription to expedite service, priority and response. 

Case # XXXX Case # XXXX I still did not receive the missing XXXX of promised APR on the XXXX balance held at Coinbase in XXXX thru XXXX, issue started in XX/XX/XXXX and resolved in XX/XX/XXXX. At which point I have converted the USDC to XXXX due to promised but missing APR rewards on help USDC. 

XXXX of approximately XXXX ( monthly USDC APR reward missing ) missing from XX/XX/XXXX ( partial ), XX/XX/XXXX - XXXX ( missing ), XX/XX/XXXX resumed.
Product: Mortgage

I was ill, I lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale in order to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf although I have granted them permission. The mortgage has several violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgager did not acknowledge or offered me any COVID relief during the period thaXXXX XXXX XXXX XXXX 
4th the mortgagor failed to comply with RPAPL 1304, 1306 & 1307 Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to dispute items on my report and they have not yet sent me any investigation updates or removed anything. I Item XXXX : XXXX XXXX ( {$800.00} ) Item XXXX : XXXX XXXX ( {$700.00} ) Item XXXX : XXXX XXXX {$700.00} )
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) XXXX has not marked the account on my credit report as " Disputed  '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX  account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
Product: Debt collection

I would like to file a complaint on XXXX XXXX XXXX and Pressler & Pressler XXXX and P & P garnished my wages and won't give me the details or information on the debt. 
On XX/XX/XXXX P & P gave orders to my work place to garnish my wages. 
On XX/XX/XXXX I send an object letter to the XXXX County Court. 
On XX/XX/XXXX I went to court and P & P did not show up they called on the court phone. I asked the court clerk why they did not show up and she said your lucky you got them on the phone. 
When I asked the court what this wage garnishment is the judge asked P & P and they said they said " dont have the details and can't give me any details ''. 
I asked the judge how do I know its mine and she said there is a court order and I said I never got a court order. 
The judge said I can't help you, I only have to follow the law. 
Its looks like P & P and XXXX are up to their old tricks again by not giving me any info on this old debt using flimsy and nonexisting evidence. 
XXXX and P & P violated the fair Debt Collection Practices Act : Made false or empty allegations about consumer debts : Filled against me without sufficient basis Filed lawsuits based on unreliable or false information : Dont have any details on the debt. 
Harassed consumers with unsubstantiated court filings : I did not get any court date when they filed the complaint against me and they won by default.
Product: Credit card

I am writing to dispute information on my credit report that has resulted from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Bank account or service

Capital One 360 has locked my account for no reason and I ca n't access my funds. I 've called them to close my account and send me my funds. They have yet to do so. Whoever 's reading this, DO NOT do business with this company. They have the worst customer service I 've ever experienced with an online bank!
Product: Debt collection

I received a letter in the mail stating I owed {$1200.00} from XXXX XXXX XXXX XXXX of which I have never had an account ever in my life. Portfolio Recovery Associates , LLC tried to collect my social security number without providing any information on the debt. I have a credit report that states no collection or debts from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint again to you today to inform you about this continuous reporting of fraudulent activity in my credit file. I visited the FEDERAL TRADE COMMISSION website : https : //www.ftc.gov and filed an identity theft report # XXXX, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Product: Payday loan

I obtained a loan through Castlepayday XXXX/XXXX/2015 to assist with Holiday expenses. I paid {$300.00} on both the XXXX and XXXX of the month from that time until XXXX XXXX, paying no interest on the loan. On XXXX XXXX the debited my account {$320.00} and on XXXX XXXX they debited my account {$320.00}. Online there is no explanation, in fact there is not information on my account at all. I emailed Castlepayday numerous times with no response and have emailed the company now that it is XXXX once ; still no response. The email I sent is below. I do n't know what to do and want to be responsible by paying my bills, but the interest amount is unreal and I can not get any answers on when my loan will be paid off. At the rate I am going it will be years. As I said in my email below, I am XXXX military and I do n't believe that I should have been given this loan. I was honest on my application about my employment and provided proof of income which indicated I was XXXX military. Please advise on steps ( if any ) that can be taken to reduce this debt as I am having a hard time with paying {$600.00} per month. Thank you. 

XXXX XXXX Email sent to both Castlepayday and XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response : Although I am trying to pay my balance, I am running into financial difficulties. I did some research and I believe that I should not have been able to obtain this type of loan. I am XXXX military. I found the following in my research. Please advise. 


Through its enforcement and supervisory work, the CFPB will be scrutinizing lenders to make sure that they are following the XXXX requirements when they make short-term, small-dollar loans to servicemembers and their dependents. Specifically, payday lenders must follow the requirements of the law for all closed-end loans of {$2000.00} or less and with terms of 91 days or less. These requirements include : Annual percentage rate capped at 36 percent : Because most payday loans are for several hundred dollars and have finance charges of {$15.00} or {$20.00} for each {$100.00} borrowed, a typical two-week term can equate to an annual percentage rate ( APR ) ranging from XXXX percent to XXXX percent. Payday lenders must cap the APR - which incorporates all fees and costs associated with the loan - at 36 percent when lending to servicemembers. 
No rolling over of loans : When consumers can not pay back the loan at the time it is due, borrowers can often pay only the finance charges and renew the loan. This fee does not reduce the amount owed. If a payday loan is rolled over multiple times, it 's possible to pay several hundred dollars in fees and still owe the original amount borrowed. Payday lenders are banned from rolling over loans for servicemembers, unless the new transaction results in more favorable terms for the servicemember.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is a follow up to the case # XXXX which was closed and the response from the Company is this : " States Recovery Systems, Inc considers this matter closed. '' I just received another letter from the States Recovery System requesting payment of the same matter or else they will turn over the debt to the California State Franchise Board for interagency intercept collection. 

They are yet again threatening me with something I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}