23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a checking account with XXXX XXXX Bank. The account number XXXX. They have blocked my access to online banking and my debit card. I want to close the account and have a cashier 's check sent to my address on file. They insist I visit a branch but I suffer from XXXX  and have mobility issues. I opened the account online and never once visited a branch. I want my money sent to me.
Product: Debt collection

After carefully reviewing my credit report, I found multiple fraudulent accounts that appear to have been added without my consent.
Product: Debt collection

The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report as it is a direct violation of U.S. Code Title 15. Section 1681a ( 15 U.S.C. 1681a ). 

The following late/missed payments are incorrect FEDLOAN Account Number : XXXX XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My first issue is with XXXX  ( XXXX  XXXX  Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX-XXXX  for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at XXXX and it didnt work. I tried to call XXXX but was referred to a collection agency XXXX. At that point XXXX would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX am. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with Credit Acceptance and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX  and I would not be making late payments. Then I call them because my paycheck does not go into my account until 4-5pm and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach XXXX  at all, just the collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Vehicle loan or lease

I worked out a payment arrangement with the finance company, due to loss of income because of COVID-19 : I had a few bounced checks during the arrangement. But was never notified of this. I had changed banks and didnt realize I was set up on automatic payments. When I realized what happened I logged into my account and setup a payment for XX/XX/XXXX to take care of 2 payments. When I logged in the next day to make sure that they would be deducted from the correct bank. I saw that access to my account was blocked. Upon calling the finance company I was informed that my vehicle Was up for repossession and the only way to keep it from being repossessed was to wire them money through a third party website. Keep in mind the people I talked to kept changing their stories and were extremely rude. They treated me like a second class citizens. 

This phone call was on a Thursday. I informed them over the phone that I would not be able to make the payment until the following day that Friday because thats when I got paid. 

They rudely told me that they can not stop the repo until the receive the payment : The next morning I got up 3 hours early so that I could take care of the payment and avoid the repossession. When I walked outside the truck was gone. 

A few more phone calls with a bunch of rude people later. I ended up having to pay {$2700.00} to get my vehicle back. Along with a {$100.00} fee from the third party payment processor. 

Fast forward to today and my account is again past due. I have tried to reach out to the company to make the payment but my account is stuck somewhere between repossession status and current status. They have already reported it to the credit bureau as a repo. So now theres no hope of possibly refinancing the loan. 

Also the payment I had setup for the XXXX they have tried to deduct. From the wrong bank account. So now I am out more bank fees. 

I have tried to resolve this whole matter with them but they refuse to help or offer any assistance. 

Im a XXXX XXXX veteran. I feel like Im being greatly mistreated when all I want to do is get the loan correct..
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you verify the paperwork? Some of the listed entries exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Money transfer, virtual currency, or money service

Western Union is sending me email statements to my email address in regards to somebody else My WU account. I have contacted them and they keep refusing to look at the issue since they claim they can not find anything, still I have proof of the emails I receive from them, and I have verified that they indeed come officially from Western Union and is not phishing or spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating is over 782 with XXXX. XXXX, XXXX, and XXXX XXXX all say in individual reports is good. However XXXX rejects for credit card cant tell you why they blame XXXX XXXX   have to wait for letter. Get the letter XXXX blames Sagestream they says XXXX. 

Sagestream doesn't return calls or emails been calling since XX/XX/XXXX. 

XXXX and XXXX just blame SageStream If you look online and search Sagestream there are hundreds of complaints saying Sage stream reports low credit scores so lenders can charge higher rates. That appears to be true. I don't need or want the card now. However if they report out XXXX on someone with XXXX imagine what they do someone with average credit. This appears to be fraudulent behavior by XXXX XXXX  and Sagestream to charge higher rates by saying people have lower credit.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO, XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXXXXXX Balance {$590.00}
Product: Credit reporting

I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was n't notified that I owed this properly than later found out and paid but they would not remove it off my report
Product: Payday loan, title loan, personal loan, or advance loan

Dividend continue to ignore my emails and requests for appropriate documents. I have contacted them a number of times and I receive no response. despite those email addresses from Dividend being responsive in the past.

They still have not provided me the requested documents. 
1. A copy of my complete file 2. The Agreement between Dividend and XXXX XXXX. 
3. Documents from Dividend Finance confirming each milestone installation were met with XXXX XXXX ( photos, receipts, permits, inspections etc. ). 
4. Documents authorizing Dividend Finance to release monies to XXXX XXXX on consumer behalf? 
XXXX. Documents from either the State or Federal Government crediting Dividend Finance for any solar incentives.

Despite my efforts my email requests to Dividend goes unanswered.

Dividend have also placed a lien on my home without notifying me, which I discovered on my own via my county clerk website.

They the lender are in violation of the Florida lien law by not providing me with a copy.

when filing a UCC Financing Statement that has been recorded, a copy must be sent via registered mail ( return-receipt requested ) to properly notify the owner. Apparently, these steps were not followed. But that is not surprising given the way Dividend has handled everything so far.

When I discovered the lien I also discovered a notarized document from XX/XX/2023 with my signature forged on there. 
I never signed nor was in the presence of a Notary ever for any Dividend  or XXXX XXXX documents. there are quite a number of their consumers with this very same complaint. 
Florida law prohibits a notary from notarizing any signature if the signer is not present at the time of the notarization.

Dividend are hiding behind criminal activity through their contractors, trying to wipe their hands " free and clear '' of responsibility ( permits, inspections pto, warranties etc. ) just to turn around to intimidate and demand the Homeowners to pay them back. 

Paid XXXX XXXX, in advance, prior to installation being complete and accepted loan payments from XXXX XXXX on my behalf when installation was NOT complete. 

Some of the COMMONALITIES that others and I share with the Lender 's actions are .... 
1. Forgery 2. Fake email addresses ( documents were never received ) 3. Deceptive sales tactics and intimidation tactics used to coerce consumers to sign undisclosed documents during sales pitch ( Lender was on phone with sales rep!! ) 4. Targeting the XXXX  and elderly  5. Promising false tax incentives and in return increasing monthly payments 6. Targeting low-income consumers 7. Promising deceptive low interest rates and in return increasing the rates
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Money transfer, virtual currency, or money service

Enrolled in Freedom Debt Relief program on XX/XX/XXXX with XXXX accounts. XXXX XXXX ( {$10000.00} ) and Bank XXXX XXXX credit card ( {$16000.00} ). Paid $ 414 monthly in order to make the settlements. Deposited around {$11000.00} till XX/XX/XXXX, in the dedicated account and I was told that the money will be in my control. I've closed XXXX XXXX debt by working directly with the vendor. Recently I had to close the account in the program since I needed some money for the medical expenses. Freedom Debt Relief ( FDR ) refunded only {$3900.00} saying that they paid creditors {$3800.00} and rest they have used it for service charges. I've made multiple calls and sent many emails. I've been informed that they have a fine print in the initial document that mentions that the money will not be refunded. Any help to get my money back is highly appreciated. I am willing to pay a small sum to Freedom debt relief as service charge even though the account is not settled. FDR is currently holding more than {$3500.00} as service charge for an account that is not resolved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Product: Prepaid card

We purchased a {$200.00} Vanilla prepaid Visa debit card in XX/XX/year>. The card does not work anywhere. It is always declined. We have attempted to contact Vanilla via XXXX Bank with no success. They have essentially stolen {$200.00} from us.
Product: Credit reporting, credit repair services, 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

( EXPRESS is aware of this error and removed the late payment on their system, but refused to fix their unlawful, false late payment hit on my credit ) As you see from my supporting docs, they refunded me from there mistake. but some how im paying for THEIR mistake my credit report CB/EXPRESS XXXX XXXX along with XXXX XXXX I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Student loan

I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.