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

Good afternoon, On XXXX XX/XX/XXXX, I had recorded phone conversations with Big Picture Loans regarding setting up a payment plan. 

I called the business at XXXX XXXX XXXX and first spoke with XXXX. XXXX stated that the initial monthly payment on the payment plan will begin with {$100.00} and thereafter the monthly payments will be {$490.00}. I agreed to this payment plan. 

My bank account information was already on file, yet XXXX wanted me to confirm my full banking information over the unsecured phone. I asked to speak with a supervisor because XXXX insisted on me providing my full routing and banking information over the phone. 

I was transferred to a supervisor who told me that his name is XXXX. I explained to XXXX that my banking information is already on file with Big Picture Loans and that I do not feel comfortable with providing my banking information over the phone. I added that I would like to move forward with the agreed upon payment plan. Please send me an email confirmation of the payment plan. 

XXXX told me that I will receive an email shortly of the agreed upon payment plan. I did not have to provide my banking information over the phone. 

On XXXX XX/XX/XXXX, I received an email from Big Picture Loans that they are going to process a payment on XXXX XX/XX/XXXX from my bank account for {$1400.00}. 

I responded to Big Picture Loans on XXXX XX/XX/XXXX that there is already an agreed upon payment plan. I also asked them to confirm that only {$100.00} will be deducted from my account on XXXX XX/XX/XXXX. Big Picture Loans did not respond to this email. 

Despite the payment plan that I agreed to on the XXXX XX/XX/XXXX phone call conversations with XXXX and XXXX, despite the XXXX XX/XX/XXXX email contacting them more than XXXX XXXX XXXX  before the XX/XX/XXXX transaction, and despite other documentation, Big Picture Loans withdrew {$1400.00} from my bank account on XXXX XX/XX/XXXX causing my bank account to bounce resulting in ( so far ) a {$30.00} non-sufficient fund fee. 

Big Picture Loans with their high predatory interest and unsafe practices ( lending, asking for full banking information over the phone ) did not keep the settlement agreement when I reached out to them for assistance. They ignored the XXXX XX/XX/XXXX phone conversation payment plan agreement made with XXXX and XXXX. Big Picture Loans also ignored my XXXX XX/XX/XXXX email. 

I reached out to Big Picture Loans for help. Big Picture Loans betrayed my trust and took advantage of me -- - a XXXX XXXX XXXX XXXX. Big Picture Loans has caused me emotional and financial harm by their actions. 

CFPB please help. I seek justice. I also would like to warn other consumers about this business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these unauthorized fraudulent inquiries below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES FROM MY 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 My personal infromation was also exposed in the XXXX XXXX and my XXXX was leaked in national public data breach.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX 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

Phoenix Financial Services has contacted me to collect on medical debt that I do not recognize, that is also from XXXX, far past Oregons statute of limitations of six years on medical debt. I disputed the debt with them, and they provided information based on another credit collection agency, without adequate explanation of what theyre referring to, just a couple of billing codes, and the name XXXX XXXX XXXX . This is all very fishy.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, Transunion, and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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 appropriate, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person KNOWS or has REASONABLE CAUSE to believe that the information is inaccurate.
Product: Checking or savings account

Agent to the principal. Submitting a claim to balance all accounts, payable and receivable on all accounts, document attached explains the claim.For recoupment and also a claim under regulation E, these are not disputes I accept them for value and return for value for discharge and set off, reasonably and amicably pursuant due to non full disclosure on all rights and accounts. 
Pursuant to 12 usc Article 8 ARTICLE 3 Pursuant to FASB and IASB I am the creditor on the liability of acct. payables, they are only the creditor on the receivables side.
Product: Debt collection

In Accordance with the fair credit Reporting act XXXX  account Synchrony has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

XXXX unlawfully hired an outside towing company to attempt to repossess the vehicle. On XX/XX/22 This company cause mental anguish and trauma to my Pregnant Girlfriend and XXXX old son. The driver Stated, when asked why he was following her You know why Im following you, your behind on your payments and that he had legal right to follow, because she in someone elses property XXXX XXXX XXXX of the XXXX Police department filed a complaint. Report number XXXX. 

XXXX has no LAWFUL claim to property they are actively trying to STEAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ) ... .... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Product: Debt collection

Appeared on credit without notifying, don't who know they are never heard of them very threatening and abusive
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Experian a 2nd letter disputing the legitimacy of the bankruptcy they are reporting on my credit report. They eventually responded back on XX/XX/2021 saying that they verified the bankruptcy through a 3rd party credit agency named XXXX. Shocked by this admission, I went directly to XXXX to dispute this bankruptcy in question and XXXX could not verify this item at all and therefore deleted from the record on XX/XX/2021. On XX/XX/2021 I actually went back to Experian with a another disputed letter showing them the XXXX report of the bankruptcy being deleted and informed them that if they could not verify where this bankruptcy came from then according to the FCRA they must delete it. Unfortunately they came back with the same letter on XX/XX/2021 saying that the bankruptcy was still verified from XXXX. This inaccurate and unverified item still being reported on my Experian report is causing me problems when I'm trying to get a mortgage. This item needs to be removed and deleted from my credit report since they can not verify it. 

Experian is still falsifying that they investigated this alleged bankruptcy. On XX/XX/XXXX they sent me a generic letter stating that they done a thorough investigation with XXXX saying that it came back verified EVEN THOUGH I GAVE THEM THE XXXX LETTER STATING THAT THERE IS NO BANKRUPTCY REPORT. So in other words this is a blatant lie since there is no bankruptcy showing on my XXXX report. This needs to be escalated to a human supervisor at Experian since these repeated generic letters coming from them is showing proof that NO INVESTIGATION was actually done which is clearly a violation according to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Experian for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain details that I believe are inaccurate. Unfortunately, I have not received any response or resolution from Experian to date. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} I am requesting Experian to verify the accuracy of the XXXX XXXX account information. The reported balance of {$990.00} seems incorrect to me, and I believe it should be a lower amount. Additionally, since this account is closed and charged-off, the Past Due amount should not be presented. I kindly request Experian to mark this account as disputed to prevent further negative impact on my credit standing. Furthermore, I ask for verification of the Date Opened, Date of Status, and First Reported for this account. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} The account with XXXX  requires examination due to the reported balance of {$7900.00}, which I believe to be higher than accurate. As the account is presented as closed, the Past Due amount should not be included. I intend to address this matter directly with the creditor and request Experian to label the account as disputed while I work towards a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account with XXXX is not mine, and I kindly request Experian to promptly remove it from my credit report. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Similarly, the account with XXXX is not mine, and I request Experian to remove it from my credit report.
Product: Mortgage

Ocwen loan servicing company approved a loan re modification without my knowledge and without my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint about Equifax having fraudulent credit inquiries on my report. I was told to contact them in regards to this. Well, I called this evening and talked with XXXX from Equifax in regards to the fraudulent inquiries on my report. She told me to talk to the fraud department and she did n't even notice that my birthday was n't correct after I verified it with her. So I 'm transferred to the fraud department and the rep there does n't do anything to help at all. I have fraudulent inquiries on my report and these people wo n't show me how they proved that I did this nor will they help me in getting these things resolved. I also attached my drivers license which has my correct birthdate instead of the incorrect one in their system
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  still reporting a balance and pass due after they sold account this violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ).
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit card or prepaid card

I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed
Product: Mortgage

Let 's refer to complaint XXXX.Wells Fargo responding to a firm we hired to aid in the loan mod process stonewalled that firm for a long period of time.A complaint was filed XX/XX/XXXX move the process along WF response , ask for 60 days.On XX/XX/XXXX they moved for summary judgement.On XX/XX/XXXX they notified our firm l/m had been granted, and confirmed that onXX/XX/XXXX,4 days before having the court grant it.They again confirmed the L/M XX/XX/XXXX.IS THIS NOT CLASSIC WRONGDOING AND DUAL TRACKING!?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOES NOT HAVE THE RIGHT TO REPORT MY CREDIT WITHOUT MY AUTHORIZATION. WHO GAVE THESE XXXX XXXX XXXX CONSENT. UNDER THE FAIR DEBT COLLECTING ACT THESE ARE THE VIOLATIONS. 
THESE CREDIT REPORTS HAVE FALSE INFORMATION THAT I ASK TO BE REMOVE. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 USC. 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1681h - Conditions and form of disclosure to consumers 15 U.S. Code 1681j - Charges for certain disclosures 15 U.S. Code 1692k - Civil liability 15 USC 1692e - FALSE OR MISLEADING REPRESENTATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4th time this fraudulent account from XXXX has reported on my credit report. The collection is question is XXXX XXXX XXXX for the amount of XXXX. I attached my fraud report when disputing with Experian, however they did not remove the fraudulent account. It needs to be removed
Product: Checking or savings account

On XX/XX/XXXX I received a vague email from Citibank that my account will be automatically closed within 60 days. No explanation was given. I called their customer service line and they repeated that they can not tell me why my account was closed. They said I will get a check in the mail with my funds, but they could not tell me when. The call center agent hung up on me in the middle of the conversation!!! 

I am traveling in a different country for several weeks ( Yes, I gave Citibank a travel notice ), and I now have no access to my own money. I will not be home for quite a while, so mailing a check to me will simply not do. It's an absolutely ridiculous situation. I also did not get my opening bonus of {$500.00} which is owed to me.