23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to learn more about stocks and trading and XXXX showed me some ads. Clicking XXXX of the ads introduced me to a XXXX  group. The group was called " XXXX XXXX XXXX ''. They were providing training on XXXX XXXX First, they gave all of the participating members {$500.00} test money to trade and increase profit for a week. After that, they stated from now on we are quite confident on our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So they encouraged us to invest and get more profit. I was hesitant but noticed other people ( later I understood that was part of the scam ) were investing a lot and making profits like XXXX a day. Later I also got encouraged by them and invested more. The trading platform is known as XXXXI only reported the major transactions here. I invested another XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX As far as remember the XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX month ago they declared the cycle is over and now we should withdraw the amounts after paying taxes. I did not have money and did not withdraw. But I got scammed in another place and understood that this was also a scam.
Product: Credit reporting or other personal consumer reports

I attempted to resolve this issue with the consumer reporting agencies as well as the creditor. They failed to block or remove information related to my complete and accurate Identity Theft Affidavits.
Product: Money transfer, virtual currency, or money service

Someone gained access to my PayPal without authorization and transferred {$100.00} to themselves. I immediately changed my password and disputed the transaction with PayPal but they immediately claimed that there was no unauthorized activity. I highly suspect this was an AI decision and not human reviewed. When I emailed PayPal to appeal the claim they said they would not look into it any further.
Product: Credit reporting or other personal consumer reports

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for two billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for two billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about 13-15 years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my credit score. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and XXXX  multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking TransUnion and XXXX to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and TransUnion and XXXX failed to proved information that the Law ( FCRA ) specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco Inquiry from XX/XX/XXXX I spoke to CREDCO They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX in 30 days that " XXXX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from CREDCO and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, CREDCO Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


Credco Inquiry from XX/XX/XXXX Credco Inquiry from XX/XX/XXXX " Credco you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. CREDO Told me that they contacted XXXX, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has CREDO Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

CREDCO / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as CREDCO Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

RESEND 

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995),
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I keep getting mail saying I owe money but I know for sure I dont owe anything to anyone. So please STOP sending me mail. This is NOT my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

It is difficult to find the appropriate higher up individual at XXXX XXXX XXXX  to discuss the matter. I have contacted XXXX. The company hyper-marketed to me to get another card for many years to the point of harrassing or pressuring me. I was getting emails every two days in XXXX ( attached XXXX screen shots that I qualify for a second card. 
I resisted for a long time, and we all often do, at XXXX time, I finally fell prey and got the second card in XX/XX/XXXX XXXX XXXX )! I used the card once or twice, there wasn't much credit line on it, like {$700.00} where the first charge was a fee of about {$150.00} before I could even use the card! 
After the first or second use of the card, they slammed me with {$90.00} fees and late payments!, by XX/XX/XXXX without even using the card after the second time, I was now owing them XXXX! 
The debt had doubled in less than 6 months. 
To make matter worse, the covid-19 time did not allow me to receive mails at my home as I could not return home from the holidays as someone in my family had covid in XX/XX/XXXX. By the time I returned home, I had hundreds of letters from XXXX XXXX with an exhobitant bill and didn't know what. Now, my credit scores are impacted by this one company due to : 1 ) The recency of this unpaid bill occurrence.

2 ) I never worried much about this bill as I already was on auto pay with the other card ( account ) I had with them that was never late. Unfortunately this was not the case, the credit cards were being billed separately. 

Action I have taken : I have asked XXXX XXXX to delete the derogatory line item from my credit report. I have not been able to find the appropriate person to discuss this with so that they can take action. I have sent a Fax to the company Correspondence Dept, but I am not confident that my complaint will be addressed. In the meantime, each time I call them, all they want to do is to increase my credit line and slam me with more fees. I have turned them down. I want them to stop marketing to me each time I call. I want them to address my complaint! They don't seem interested in this. 

1 ) It is unfair that they can hyper-market to me every two days to get a second card. This is consumer cohesion-pressure to purchase.

2 ) It is unfair that my credit is impacted during covid-19 and is a big ding in my credit score and I had this card-account in such a short time during a very difficult time where I did not receive my mail on time. 
3 ) I have been their customer in good standing for many years, all that is not taken into consideration. They have destroyed my name over a credit card worth {$500.00}.

4 ) They unfairly slammed me with fees, interest and late charges that I cant even begin to make sense of. 

Please help.
Product: Debt collection

XXXX  overs were birthday gift under my name and my father in laws card, i have proof they acknowledge its a gift and that they stopped paying for it. im not going to be held responsible for something that was supposed to be a gift for me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required GLBA disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the GLBA, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right. 
Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for this vehicle for my XXXX XXXX XXXX dad and he has stayed current with his payments until XX/XX/2020. He was diagnosed with XXXX on XXXX XXXX and immediately admitted to the XXXX XXXX in the hospital. He remained hospitalized till XXXX XXXX at which date he was released to go home under Home Health Care where he remained XXXX  for the next 2 weeks under the direct care of a nurse. As normal practice the bank contacted me ( because I am the cosigner ) regarding his account being delinquent on XXXX XXXX, at which time I was also in the hospital with a XXXX  XXXX diagnosis. When I spoke to the representative from the Account Recovery Department I made her aware of the situation. I assured the girl that we would be in to pay just as soon as we could seeing is that very night our area in which we reside received 36 inches of snow. We were unable to make it to the bank most immediately not only due to the amount of snow but also the fact that I myself was quarantined at home ( along with my wife and son also XXXX  with XXXX ) because of XXXX and my dad was still in the XXXX XXXX at hospital. We did in fact make the full payment ( as discussed with the Customer Service Rep on XXXX XXXX on XXXX XXXX. I have since contacted bank as there is now a late payment reflected on my Credit Report. the girl we initially spoke to on XXXX ( which to be honest I was so sick and on medication for XXXX that I didn't even remember speaking with her on that day ) was the same girl I spoke to today XXXX XXXX and she was quite curt with me and so much so that I asked to speak with a supervisor. My wife then spoke to the supervisor and she initially stated that the payment should never have reflected that because of XXXX diagnosis. However we received another phone call about 4 hours later from said supervisor and she said that the only thing they can do is change the status of payment from Late to Deferred. At which point we were confused as to why payment would reflect deferred on Credit Report because full payment was in fact made ( again as discussed on XXXX XXXX ) but it was late again due to hospitalization from XXXX. The supervisor adamantly stated that this was the rule under the Cares Act, that all late payments are to be marked deferred when reported to the credit agencies. I asked her to please send me that documentation to which she assured me she would forward that portion of The Cares Act pertaining to late payments being marked deferred when there was a clear message of the situation and promise to pay. Needless to say I never received this said document. I further did my own research on this ruling in the Cares Act it doesn't exist! They made a mistake and are trying to backpaddle their lack of due diligence in handling this matter to begin with on XXXX XXXX when they were made aware of XXXX diagnosis and hospitalization. Why does my credit have to be marked in any derogatory manner when this was a blatant mishandling of a serious situation that was no direct cause of our own. Please advise accordingly
Product: Checking or savings account

On XXXX I opened an online checking account with Truist. I then went into the branch to deposit {$15000.00} cash into my bank account. On XXXX my account was closed by truist with no notice or reason. I didnt find out until a week later when I tried making a payment from the account and it came back as insufficient funds. I went into the branch on XX/XX/XXXX and they informed me they had no idea why this horned but they showed my account had been blocked. They told me it would be fixed in 2-3 business days. On XX/XX/XXXX, I finally received a letter from Truist stating my account was closed and that they reserved the right to close account at their will. Today, XX/XX/XXXX I received an email from Truist saying I have a new account now opened and that it has a XXXX balance. I have no idea where my {$15000.00} is, no idea why my account was closed, they didnt fix my problem- they simply opened a new account in my name without my permission.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial added extra stuff to my loan like i had to get it
Product: Student loan

Navient is reporting to my credit that I have two open accounts that I owe money in which I do not one is for XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX I never opened an account Im a veteran and a surviving widow of a XXXX soldier, I was using the post XX/XX/XXXX GI bill
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Vehicle loan or lease

I have contacted this company regarding the vehicle that I financed through them. I tried to resolve the transmission troubles I had by asking Credit Acceptance to help me, but was rejected and told about using my extended warranty plan to take care of the issue. I decided to leave it alone with the financing company. Fast forward to XX/XX/2023. I called in asking what can be done now that the vehicle was no longer operating. I was given options and was told that someone would call me that Friday to discussion the options in further detail. By that evening, my van was towed. 

At first it was a mystery that left me awake all night wondering what happened. When I called Credit Acceptance, the rep stated that someone called them stating that my vehicle was abandoned and that they had to secure the vehicle or it would be impounded. I asked the rep who did it and I was told that she could not give me that information. I asked if the letter that being mailed out reflect the call and the person who made the call and received no response. 

I decided to contact everyone involved in this mystery. Unfortunately, I have not gotten any closer to an answer and I am still without a vehicle. This event caused me to possibly lose out on holding XXXX accountable for causing the vehicle to be inoperable. I nor the sheriffs office can get Credit Acceptance to answer questions. On top of that, Credit Acceptance sent me a certified letter stating that my van was repoed due to non-payment, but when I ask the rep about this, I was told that my account was not in repo status due to non payment. When I ask for a letter to reflect that, I am told that they cant do that. 

Instead of me receiving help from them, I have been bombarded by daily calls asking me to pay and retrieve the van. When I ask why are you calling me to pay, but you cant alert me when my van is reported abandoned?, I get stumbles and stutters. I want this matter to be resolved. I originally filed a complaint through the attorney generals office, but the complaint was forwarded to CFPB.
Product: Mortgage

My name is XXXX XXXX and todays date is XXXX2020. I have a mortgage with Bank of Oklahoma. The loan number is XXXX. I went to the bank to pay off the remaining balance. They said they could not give me a balance and I would have to call their automated system and wait for a total to be given in a week. This seems wrong because they are able to collect interest for another week. Are they required to give me the amount and let me pay it off immediately during normal banking hours? Should I have to wait a week?
Product: Debt collection

I believe the apartment leased was uninhabitable after 4-5 months of dealing with schedule XXXX XXXX being leaked from another unit into mine on top of constant water flooding of my unit from above. I contacted the manager no less than 10 times through written and verbal complaints about these issues. 

I left a notice of abandonment and vacated the property on XXXX/XXXX/2015 leaving it in reasonable condition. 

The company is currently trying to collect {$4800.00} for around 45 days of rent while they tried to collect a premium renting my unit. They eventually leased it for around {$200.00} less than I was paying at the time.