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

On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my financial/banking information for additional payment ( s ). It is unclear to me whether or not this information of mine can be assimilated to other accounts/websites for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by Western Union. They also stated they are unable to remove my information from their website and that only XXXX/Western Union can do so. I have made many many requests to XXXX/Western Union to remove my information, and it has yet to be done. I have been told my case was escalated and to expect a call from their office in either New York or Colorado. After over 45 days of my calling back perhaps 3 times weekly on this matter, I have yet to hear from anyone. My information was posted immediately. I can not see why the removal of my sensitive banking information should take this long. The representatives have been rude, refusing to let me speak to a supervisor. I do not want my banking information held hostage on a website with public access. I do not think this is an unreasonable expectation. The account number it was posted to is : XXXX. Account holder is XXXX XXXX XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/Western Union is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as Checking XXXX XXXX.  There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XX/XX/year> for {$1800.00}. HUGE MISTAKE. I have paid in total {$6700.00} and they show that I still owe another XXXX. I have paid almost 4 times what the original loan amount was. I realize I am not going to get a loan for free but at this point I am starting to believe that this is ILLEGAL. 

I am making payments the XXXX and last day of every month and the balance keeps going up.
Product: Debt collection

This company is attempting to collect a debt that is more than five years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.
Product: Debt collection

Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.
Product: Bank account or service

I spoke with a supervisor/manager in charge by the name of XXXX at TD Bank today, XX/XX/XXXX, in regard to a debit card dispute previously filed in the amount of XXXX from XXXX of XXXX. I was told the dispute was closed out, TD Bank required additional information such as storage contract and receipt showing amount paid. This dispute is over fees charged for storage of my vehicle at dealership.. As I explained to XXXX, there is no storage contact as one was never signed or provided and I was not given a copy of receipt despite requests via email for one. I further explained that receipt, if one is provided, will show XXXX as paid and charged to my card. The reason for dispute is the fee ( s ) charged are questionable because they charged me XXXX per day for 45 days for storage of vehicle when I did not agree to the term or amount per day. Also, an item was also stolen out of my vehicle while in their storage, which I was not reimbursed for. I do not believe I should pay full amount, XXXX, when I did not sign any contract and had an item stolen from my car while it was in their possession. The item, a USB phone charger, was left in car until I could pick it up..It was not in car when I took delivery.. It has not been found, deemed stolen. I had to repurchase it, costing me XXXX I had to pay this amount,XXXX, in order to pick up vehicle from their lot, they were going to charge additional fees if not picked up. They were holding my vehicle pending registration, it could not be registered due to past due property taxes which had to be paid, this prevented registration. The Connecticut DMV, Attorney General 's Office, BBB ( Better Business Bureau ) are looking into this charge as complaints have been filed with them against merchant. I have not heard back from any of the agencies named as of yet. XXXX agreed to refile dispute with information provided, he was informed there is no storage contract and no receipt was provided. Please advise TD Bank this is all the information I have pertaining to this dispute, please try to recover funds from merchant.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX! I dont know what theyre trying to do!?! False debt!
Product: Debt collection

Hello, my name is XXXX XXXX and this my second complaint against DNF Associates after they failed to rectify my matters. 

Please see attached
Product: Money transfer, virtual currency, or money service

I have used revolut for around 2 years to receive money from friends. I received a payment of XXXX euros, exchanged it for USD and attempted to pay a bill. The account was locked for a standard check with no explanation, no warning or ability for me to take care of my bill which is now past due.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

my employer forms for PLSF were submitted XX/XX/XXXX and XX/XX/XXXX and neither have been processed. i have sent follow up messages asking why they have not processed this given they day it takes up to 30 days. i have sent follow up messages in XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. <P/>XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.
Product: Credit card or prepaid card

XX/XX/2017    Bank of America Complaint with CFPB I talked with  2 re presentitives with bank of america on the date shown above. I have a credit card with the company. I am currently going through an economic hardship. I informed the representitive initially that at points in time i was having trouble with basic living expenses. I was informed that Bank of America was not able to do anything for me. I asked to speak with a supervisor named  XXXX  at BOFA. He asked about my income and asked me if i was able to afford basic living expenses. Isnt it embarrassing enough having to tell a complete stranger your struggling putting food on the table. He informed me he was unable to set up a payment program with me and informed me that I should miss my payment on my credit card so I could buy food. You would think, logically, that if a person was struggling so bad and had a hard time paying for basic living expenses that BOFA could have helped in anyway. You know what the answer was? NO. They told me to skip my payment, get a late fee, and  XXXX  up my credit so i could buy food. They didnt do a  XXXX  thing for me. They dont give a  XXXX  about their customers. They dont care about their customers well-being. They dont understand what struggle is. All they know is how to literally  XXXX  people with interest and fees. They didnt help me at all. The policy they have at BOFA is horrible. Once I pay off this credit card with them i am never doing business with them again. I wanted to inform the CFPB of this matter because if someone is going through a struggle and BOFA knows you are having trouble paying for living expenses, they wont help with any payment options. They will literally tell you, *sorry there 's nothing I can do f or you. * T hanks a lot Bank of America for nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$830.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. PXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit card or prepaid card

I received my credit report and it showed an account for COMENITY/XX/XX/XXXX I did not open or use this account. I did not live at the address that this account was opened at.
Product: Credit card

Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I inquired about raising my credit limit on my XXXX XXXX XXXX through their website. I accidentally hit yes to agreeing to a credit pull and I did not want to do that. I first called the XXXX XXXX card to request they remove the ping on my credit because it was done by mistake, and they stated they couldnt that I would need to submit all this paperwork and copies of my credit reports to them which I thought was a little too invasive. So instead, I contacted TransUnion and informed them of the same mistake and they too want me to send all this information, but first send a letter to XXXX XXXX, copy their response, send it back to them along with a cover letter and written statement why this was a mistake. I found that way too excessive over XXXX mistake! Im only requesting that the XXXX hard Inquire on XX/XX/XXXX be removed from my credit. I have snapshots of the entire convo via text between me and TransUnion. Also, my name is wrong on their site. They have me as a XXXX XXXX XXXX but I do not have a middle initial.
Product: Mortgage

Dear XXXX ( XXXX ), I requested PMI cancellation from my mortgage server, Loan Care, and paid for an appraisal ( {$390.00} ). The check was mailed on XXXX/XXXX/XXXX and Loan Care deposited and credited the money on XXXX/XXXX/XXXX. After that point, Loan Care failed to order the appraisal and their PMI department refused to speak with me on the phone or via electronic written communication. I attempted to contact the Loan Care PMI department on the following dates ( XXXX XXXX XXXX ) with no progress : - XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX : XXXX and XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX, XXXX, and XXXX- XXXX/XXXX/XXXX XXXX and XXXX XXXX tactics delayed the appraisal required to remove the PMI to XXXX/XXXX/XXXX and has delayed removal of the PMI, costing {$160.00} per month. The delays in preforming the appraisal is indicative of acting in bad faith not in the spirit of the Homeowners Protection Act, 1998. 

The appraisal have been completed and I have made a written request for a copy of appraisal and removal of the PMI on XXXX/XXXX/XXXX. 
Loan Care again refuses communication. 

I desire the following results : -A copy of the appraisal report-Reimbursement the additional month 's cost of PMI ( {$160.00} ) incurred due the delays and repeated communication failures-Removal of the PMIMany thanks in advance for help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX letter to Equifax asking for original documentation of verifcation of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. On XX/XX/2022 i received a response from Equifax saying their investigation results prove that all information is accurate for all 5 accounts. They did not include any original documentation with signatures, they did not include any contact info/description of investigation to determine accuracy or completeness of investigation. They only provided a letter saying they contacted each agency, and that the information was verified and deemed correct. On XX/XX/XXXX I sent another letter to Equifax asking for proof and method of investigation, asking for original documentation. The letter was received by them on XX/XX/2022. They did not provide any proof or any other letter within a 15 day period. In fact, I have not heard back from them at all and today is XX/XX/2022. According to the FCRA, equifax is in non-compliance and is required to delete the 5 disputed items on my credit report. They have not done so.
Product: Student loan

We have been paying on this loan since roughly XXXX the loan changed hands in roughly XXXX and we now owe more on the loan than what we originally started with and we had been making regular payments up until a few months ago. This is a XXXX XXXX loan.
Product: Vehicle loan or lease

I had a XXXX XXXX that had multiple recalls on it that were never fixed. Not only did I have issues from the recalls but my life was placed in danger multiple times due to random issues with the car. I tried several times to get the dealer to fix or replace the damages but they only told me that the parts were on back order and refused to assist me in anyway. The vehicle was completely falling apart when I finally gave it up. It is being reported as a charge off and they are claiming that I owe the rest of the monies due for a car that literally fell apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recent hard inquiry on my credit report from XX/XX/18. I did not authorize this and specifically told the representative I did not want my credit pulled. Thank you XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : Genesis XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Received a text message " This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX ( XXXX ) account. Visit XXXX XXXXXXXX & XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I have no XXXX XXXX  account
Product: Debt collection

I have an account with XXXX  ( grocery store ) through Comenity Bank. I have fallen on hard times and have tried to contact them several times in regards to my payments and what I can do during this time. No one has resolved this issue for me. Instead, they have changed the contact numbers on my profile without my permission. They have listed my husband 's telephone number and my sister in law 's telephone number. I have never given them this information. They contact my husband several times a day and leave messages with my information regarding my account. I have sent them a letter as of the XXXX of XXXX to stop contacting all telephone numbers and to only send paper mail from now on. I am not sure where they got these telephone numbers from as I only had my telephone number listed when I started the account. They call from Restricted or Unknown numbers and they weren't leaving messages so that I knew who was calling. Now they call from these numbers and leave messages with my information. They do not call my main telephone number anymore as they have changed the number on my profile without my permission.