23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX credit card around XX/XX/XXXX the last time I made a payment was XX/XX/XXXX I fell behind a couple payments and they continued to add up until the minimum payment was too high I wasnt able to pay it they sent it to a collections agency and just recently I received a call from the phone number ( XXXX ) XXXX the person on the phone told me everything I already knew they said my payout would be XXXX dollars I told them I didnt have it he then said they can split it up into 3 payments of XXXX dollars I informed him that I dont have it he then informed me that there is no way I dont have it because the last time I made a payment was XX/XX/XXXX I understand that I made a promise to the company that I would pay but I have been going through financial struggles if he would have said can you pay anything today I would have said yes but he didnt even give me a option and we was extremely rude
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took more than 30 days to respond to my dispute letter for fraudulent inquiries on my credit report. 

I sent my first dispute letter via certified mail on XX/XX/XXXX. Did not receive a response, although the return receipt was signed by Transunion on XX/XX/XXXX. 

I sent my second dispute letter via certified mail on XX/XX/XXXX. The disputes that need to be deleted from my Transunion Report as soon as possible : 1. XXXX, Inquire Date : XX/XX/XXXX 2. TransUnion, Inquire Date : XX/XX/XXXX 3. XXXX XXXX, Inquire Date : XX/XX/XXXX Please see the attachment.
Product: Debt collection

I am aware that according to article 9, the assignment of an Alleged defaulted debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with XXXX XXXX XXXX XXXX nor am I validating any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a bilateral contract nor a trilateral contract giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc. If Transworld Systems Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, a consumer, prior to furnishing this on my consumer report, this has/and will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXCitibank XXXX XXXX XXXX XXXXCitibank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXXCitibank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXXCitibank XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. XXXX. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXXCitibank NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXCitibank NA can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.
Product: Mortgage

The CFPB needs to investigato the theft of {$500000.00} for a loan that was already paid select portfolio serving provided the title company with a payoff statement of {$250000.00}. The I have now paid twice this is in addition to {$38000.00} I paid to {$28000.00} I did not owe. However the correspondence I just received did not contain the check I expect from them for my proceeds it was a letter offering me options to bring the account current. I dont have an account but they have my money. they have had the proceeds from the sale of my house since XX/XX/2020. 

I DONT WANT A RESPONSE I WANT A CHECK!
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my Equifax file. It was completely gone. 

I then proceeded to contact Equifax and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold Equifax accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : -XXXX XXXXXXXX, {$720.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$540.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00}, XX/XX/XXXXXXXX XXXX XXXX {$1200.00}, XX/XX/XXXXXXXX XXXX  {$660.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX, {$400.00}, XX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and Experian XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!
Product: Vehicle loan or lease

I'm paying much more for my car than it is worth. I'm currently paying for a car I can not drive. I have a XXXX  XXXX XXXX. My original Balance was {$13000.00}. My term is 72 Months. It's been 25 months, and I've only paid off 21 % ( $ XXXXcurrent balance ). I should have paid off a third of the balance by now. I'm going to be paying this car off past the 72 months. 

I've already spent more than {$2000.00} in repairs since I got the car. I'm currently unable to drive the car because it's been deemed unsafe to drive and is estimated to cost another {$1300.00} to repair. That means that I'm paying at least {$20000.00} overall ( which will go up more due to interest ) for a vehicle that is 12 years old and not drivable at the moment ; I could have bought a new car for {$20000.00}. 

I've had to set up multiple payment extensions ( I'm currently on one ) ; on some occasions, an extension was denied. Customer service is impossible to deal with. I'm having a very difficult time with this car, and have gone into a XXXX  XXXX because of it. There's no way a 12-year-old car should cost me over {$20000.00}. There's no way that after all the money I spent, I should be renting a car through the XXXX  program , and paying {$330.00} a week, and being required to do a certain amount of rides with them, just so I could have a vehicle. So because my car is undrivable, in addition to my premium of {$290.00} a month and insurance costs, I'm spending {$330.00} a week ( approx. {$1300.00} a month ) to have a vehicle to drive. And because of the cost of XXXX and other expenses, I still haven't earned the money to fix my car. This is the most insane situation I've ever been in when it comes to a vehicle. 

The bottom line, I'm paying more than this undrivable vehicle is worth, and it's not right.
Product: Debt collection

XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.
Product: Credit reporting or other personal consumer reports

I am It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
GM FINANCIAL, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information, I have opted out of any and all communication regarding this account with any non affiliated third parties, yet these financial institutions continue to violate federal law by continuing the unauthorized reporting of this account.

These financial institutions have violated the following Federal rules and regulations 15 USC 6802 ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( 2 ) The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

I HAVE CONTACTED XXXX SEVERAL TIMES ABOUT THE INACCURACY OF THE STUDENT LOAN THAT ARE REPORTING AND THE ACCOUNTS THAT ARE NOT MINE!!! I HAVE SENT THEM NUMEROUS OF CERTIFIED LETTERS WITH ALL THE INFORMATION THEY ASKED FOR TO VERIFY THAT ITS NOT MINE AND THEY STILL REFUSE TO REMOVE THE INFORMATION!! I SENT MY ID, SSC, BANK STATEMENTS,, ETC. AND STILL NO RESOLVE. I SENT LETTER AFTER LETTER STARING FROM YEARS AGO WHEN THE FIRST ACCOUNTS WAS REVEALED AND THEN I SENT LETTERS IN XXXX AND AGAIN IN XXXX AND STILL NOTHING. I JUST DID N'T KNOW WHAT ELSE TO DO UNTIL I HEARD ABOUT CONSUMER FINANCIAL PROTECTION BUREAU.
Product: Credit card

Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.
Product: Debt collection

I have made repeated attempts to explain to American Express representatives who have relentlessly called to implore me to make a payment on my account that they had no good reason to close my account. After closing my account even though it was in good standing they still tried to collect payments because they said I was still carrying a balance. The question is, how can I owe American Express if the account is closed and no longer attached to my name? Another problem emerged after they realized I wasn't going to make a payment because the balance was still in question and I attempted to get the account reinstated so that I could continue to make payments ; they decided to sell the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. and cancelled my request for recourse. They are in violation of FCBA due to the fact that they have not provided any clarification on the disputed balance nor have they illuminated the true reason why they closed the account. Amex is engaged in bad business practices and in my case this was " even though we know your account is in good standing, we're just going to close it for no reason and still make you pay the balance ''.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors unde

r 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A
creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Checking or savings account

When my patients tried sending me money for the services I provided money would take days to appear in my account, or when I would try to withdraw any money at the ATM, it would say I did not have any money when I had barely gotten a deposit.
Product: Mortgage

Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting a closed credit card account. I applied for this card to see their offer but I did not authorize the opening of this account after reviewing their offer. I am not now, nor have an ever been, a customer of XXXX XXXX XXXXXXXX XXXX  and consider this account to be fraudulent. Does this company open accounts in peoples names without their knowledge often?
Product: Mortgage

On XX/XX/2019 we were shopping around to refinance our home’s interest rate.  Every financial institution was in the 3% range.  We came across XXXX XXXX and noticed XXXX  so we thought we would give them a try. The representative started asking the typical financial questions.  However, he was confusing us on asking for our SS# several times, even after he had ran our credit report and even stated our scores. The representative told us we are clear and have great credit scores.  He then asked for a XXXX deposit and said we would receive it back at the close of the transaction.  We gave him our credit card information and he processed the XXXX.  We trusted XXXX, considering they were connected to XXXX XXXXOn XX/XX/2019(the next day) his manager asked us again for our SS# stating “we gave them the wrong SS#.” So we started getting nervous but reluctantly gave the SS# again. The same day but later after the manager contacted us.  The representative emailed and stated “I haven’t heard from you in a couple of days.”  I told the representative that we just spoke with his manager and we spoke with him yesterday.  I also told him, I don’t have the time to respond to so many emails.  I told him to just send me an email stating what he needs.  He sent me an email with a screen shot of my credit report, asking me to write a letter of explanation of inquiries.  Problem is, besides our cell phones, the inquiries were all XXXX, which seemed confusing.At this point, we really started getting nervous, so we searched the internet and discovered XXXX   has a pattern of collecting XXXX base on some frivolous interest rate (2.375%).  XXXX  So I asked the rep for our money back.  The manager sent an email with an attachment stating “you signed this.”  The attachment was XXXX policy stating “NO REFUNDS.” The document had no signatures. We explained, we never saw this document.  Also, the rep did not make us aware of the “NO REFUND” policy when he asked for the XXXX.  I asked the manager to send me a copy of this document with our signatures, he stated “it was signed electronically.”  He never sent the electronic signed version.  I expressed to the manager that the interest rate could not be found at any finical institution we contacted.  He stated “what are you upset we are the lowest.” I said, I just want a refund. He stated no refunds.  I have all of the email exchanges, which will need to be redacted.
Product: Payday loan, title loan, or personal loan

I applied for Care Credit through synchrony bank. The process for when applying was pretty straight forward, my issues come at the end of the process. I was denied for a XXXX dollar loan but my denial was based on a inaccurate credit score that was off about 200 points. I called numerous times and was put through to different departments in which none of the representatives had the knowledge on how to deal with this type of complaint. I was told to call XXXX and then to give them a call back. This was concerning because in order to get to a representative you have to out in an account number, it took me calling and hanging up along with putting in information such as my SSN then pressing zero for about two minutes to even talk to someone. They make it easy to give your information but hard to obtain help or get information which is very deceptive. I believe that their system is unfair and biased as their system of has my scores 200 points less than any other credit bureau I also have a 100 payment history. I also asked for an explanation on how they made their decision and came up with the credit score that they displayed and I was told that they did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX XXXXXXXX is reporting a date last active of XX/XX/22, EXPERIAN is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.