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

On Thursday, XX/XX/2020 Myself and my husband went to 1st Franklin Financial located in XXXX, SC so I could make a payment on my loan. When we arrived their I sent my husband in to pay on my account while I care for my children in the car. After him being in there about 5 minutes, I saw him and one of the ladies ( XXXX  ) that works in the office walking out of the office. XXXX approach the passenger side of the car where I was seated. I wind my window down and she begin immediately to start speaking on my account. XXXX first stated that the money I sent in with my husband ( XXXX ) was not enough to cover what was due on my account. I then told her that's how much my payments usually are. She begin to say that I had a XXXX return fee on my account and I asked her why and she said because when we try to take the money out of your account your bank said you didn't have enough money in your account to pay it, I told her I was not a wear of it and she insist that I knew about it because they sent a letter in the mail. At that time I didn't receive the letter and I told her I didn't receive it and and she try to make me out of a lier. I didn't receive the letter until Saturday, XX/XX/XXXX. She than stated, so now we have to charge a XXXX fee so you owe XXXX. Immediately while she was talking I became very I became very embarrass because the whole time she was speaking on my account their was a car park less the 2 feet beside me with people in it and the window down listening to all of my business and also people were standing outside of the XXXX building that located right beside XXXX XXXX. After she explained everything she walk back inside. I didn't get out of the car immediately due to the embarrassment she made me feel and the same people was still sitting in their car beside me. After a few minutes I went inside and explain to her that I did not appreciate her coming outside disusing my person business in front of people and with a slight attitude she said " Well I apologize ''. I told her it was very unprofessional and if she wanted to speak on my account she should have called me in the office and spoke to me privately. She also told me next time I send someone in to make a payment for me i need to call and have them place on my account, and again I told her well if that was so why did she discuss my business with my husband he could have been anyone, again she should have called me in the office to discuss my account. l I was laid off of my job due to covid 19 and struggling to make payment on my account on time and for her to come outside and speak on me not having money in my account was embarrassing. After walking out of the business the men and lady that were parked beside me stop me and told me what she did was so wrong and told me not to feel bad because everyone don't always have the money to pay their bill on time. I thank them for their encouraging words and they offer their phone numbers for because I told them that I was reporting this and if i needed them for proof I could call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal student loans XXXX XXXXe application was approved 100 %, credit report shows new loan XXXX XXXX and double amount when everything should be canceled XXXX University misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

By filing this CFPB complaint, I formally request that the following accounts in my credit profile be updated because they seem to be somewhat deceptive and inaccurate. Please complete your investigation within 30 days in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ), failing to do so will result in a violation and possible Federal Trade Commission investigation : XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). Once the transfer completed and investment began, I tried to withdraw and the withdrawal now a problem ( not allowed me to withdraw ) and gave me a sign of scam. I then began to work with Coinbase customer support to help me transfer back but Coinbase denied my request ( see attached complaint letter for more detail ). Thanks,
Product: Debt collection

Midland Credit keeps contacting me by phone after I had mailed then a cease and desist letter by registered mail on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They left messages about how they are trying to collect a debt. So I am filing this complaint.They won't leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Prepaid card

I received a prepaid card from Netspend in the mail on XX/XX/year>. I am not a member of this bank and did not request this card.

I emailed their customer service to make sure no line of credit had been opened in my name, and received three nonsensical replies on the same thread. The first acknowledged I was not a customer, but said that to help me I would need to enter my account number ( how can I do that if I am not a customer? ). When I politely pointed this out, a second agent replied saying he could close the account if I gave him my name and address as it appeared on the envelope. I gave him this information, and a third customer service agent responded that they actually could not help me over email and I would need to call their customer service.

When I called them, they had an option on their automated menu to cancel any prepaid cards received and be removed from their mailing list. When I followed that menu option and entered the card number, the automated menu claimed the account was already activated ( how could that be if there was not fraud happening? ). They said to speak to an agent I had to enter the last 4 digits of my social. I am unwilling to give any part of my social to a company that is not my bank, so the automated service hung up on me. I am still waiting to get this resolved.
Product: Checking or savings account

Citizens Bank in XXXX OH XXXX XXXX XXXX XXXX Recently started account with Citizens Bank in XX/XX/2023. Few Weeks later previously requested for account to not be closed because I had a tax return being direct deposited into this account. When my money was deposited on XX/XX/2023 I was able to use some of my funds via phone. The next day when I went to nearest branch to withdraw money they closed my account and put it in review for some apparent reason. Its frustrating because I been waiting for weeks now, behind on payments promised to be met and I believe Im still in review currently. I started this account to access funds for a vehicle for my transportation and to help start a family business in the summer. Also was going to pay a couple bills I was behind on including rent, lights and insurance. My children just recently had birthday activities cancelled due to insufficient funds caused by this action. Also school is next month and I would like to start purchasing supplies needed for me and my family soon asking for immediate assistance please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX account on my credit report. showing late payments. this account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit loan through XXXX online. They had multiple companies including Exter Fin from XXXX, TX run my credit without my permission. This happened on XX/XX/2019. I never gave permission for XXXX to give my information to other banks to run my credit without my permission and I did not go through with a purchase from them so I want the hard inquiry taken off of my credit report.
Product: Debt collection

OneMain contacted at least one of my references via telephone. The caller left a voicemail indicating that they were a debt collector calling from OneMain and requesting a call back. My reference called back and was told that OneMain was a debt collector trying to get in touch with me regarding a debt. This is a blatant FDCPA violation.
Product: Vehicle loan or lease

I purchased a car on XX/XX/XXXX for my daughter from XXXX in AZ. A {$4000.00} down payment was made and a loan was taken out for approx. $ XXXX $ XXXX. I was told my first payment would be due on XX/XX/XXXX. Since XXXX, I have received XXXX postcard to create an online account. That was done then a few days later it seems my account was removed and I can't access it. 
On XX/XX/XXXX I called and was told that my account was " pending paid in full ''. I was told I would get a call back when it was researched. No call back was made to me. 
On XX/XX/XXXX I called again. The automated system said there was no record of me. I spoke to someone who said there are notes on my account and there are " definitely errors ''. They said they were escalating to a supervisor to fix it and I'd get a call back. No call back was made. 
On XX/XX/XXXX I messaged the bank on XXXX after I saw LOTS of complaints. They replied on XX/XX/XXXX that someone would call me. No one did. 
On XX/XX/XXXX I called and was told my account appears as a {$0.00} balance and the car dealership made a {$4000.00} payment to my account ( probably my down payment? ). Told I would get a call back. No call was received. 
On XX/XX/XXXX I messaged again on XXXX telling them no one has contacted me. No response. 
On XX/XX/XXXX I received a call from the XXXX XXXX XXXX XXXX. She gave me the name of the person that is working on my account and said they will call me. XXXX XXXX, option XXXX, option XXXX, ext. XXXX and he works XXXX eastern. I have not talked to XXXX or received a call from them. 
On XX/XX/XXXX - I used their automated system to make a payment of {$600.00} confirmation # XXXX to make sure I don't have a late payment. 
On XX/XX/XXXX I called and left a voicemail to call me back. No one has called me. 
On XX/XX/XXXX I called and got XXXX. She told me that she does see XXXX is supposed to work on my account. She would reach out to him to contact me and my account is still under review.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a revolving account opened at XXXX XXXX opened XX/XX/XXXX, an account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a XXXX XXXX account XXXX XXXX XXXX, a account at XXXX XXXX opened on XX/XX/XXXX, and a XXXX XXXX account on XXXX XXXX. I also noticed the addresses and names on the account are also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you ( EQUIFAX ) were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries
Product: Credit reporting or other personal consumer reports

There is a charge I saw on my credits recently for back 1998 that I dont recognize. Its fraud. I dont know anything about the charge to my credit until now. This charge is very long time. Some one use my name and tried to ruin my credit. Also there is another charge for chase. I have financial agency to help me for the chase payment balance. I am paying the financial agency every month to pay off the balance. There also there is so many names on my credit. It should be XXXX XXXX XXXX. No wonder my credit not good. Someone tried to ruin my credit from 1998.
Product: Bank account or service

Several customer service representatives and supervisors have unfairly, unprofessionally, misled and misinformed me about how to avoid overdraft fees. Only the last XXXX supervisors that I spoke with fully informed me how to avoid overdraft fees and even both of them had slightly different versions of how I can avoid overdraft fees. How am I suppose to avoid overdraft fees if I 'm not being properly informed by TD Bank 's customer service representatives and supervisors? I followed what I was told and directed to do and I still get hit with overdraft fees. This is seriously unprofessional and unfair to me because all I did was what I was instructed to do by several TD Bank 's customer service representatives and supervisors. I would like for your agency to review all of my recorded customer service conversations so that you can hear how many different, incorrect and incomplete versions of how to prevent overdraft fees I 've been told by TD Bank 's consumer service representatives and supervisors. Even if I read and signed TD Bank 's overdraft fees policy when I first opened my TD Bank checking account, I should n't be told different or incomplete misleading and misinforming versions of TD Banks overdraft policies, especially from TD Bank 's own customer services representatives and supervisors. I just figured and was falsely made to believe that TD Bank 's overdraft fees policies had changed based on the incorrect, unfair, misleading and misinforming information I received directly from several TD Bank customer service representatives and supervisors. A TD Bank customer service supervisor supposedly reviewed all of the recorded conversations between TD Bank 's customer service representatives, supervisors and me and that same TD Bank customer service supervisor concluded that I was fully and correctly informed and that nothing incomplete, misleading or misinforming was ever told to me in regards to any TD Bank 's overdraft fees policies by any of the TD Bank customer service representatives or supervisors I spoke with. To this moment, because of all the endless different versions I been told or received or also because of the lack of information provided by TD Bank 's customer service representatives and supervisors, I still do n't know what are the real and correct overdraft fees policies at TD Bank. Plus I had to endlessly plead with and almost beg the last TD Bank customer service supervisor I spoke with to have someone look into my complaints and unfairly and unprofessionally no one has ever called me back.
Product: Debt collection

Dear Mr. or Ms. ; The debt charged to me was nefarious. 

When I called 911 in the evening of XX/XX/XXXX, 2 ambulances were sent and the company that *did not* take me to the hospital ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX followed the XX/XX/XXXX XX/XX/XXXXXXXX Ambulance ( and then got me to sign a paper in my catastrophic state at the time ). 

XXXX then sent the bill to the XXXX XXXX XXXX XXXX ( who refused to pay it ) and then me a bill ( {$790.00} ) for  transporting me to the hospital. 

Again, XXXX XXXX XXXX XXXX took me to the hospital, not TEMS, they should have left when the XXXX XXXX XXXX XXXX arrived. I'm sure they know that no one should have to face two ambulance bills for one ride to the hospital.

I wrote letters to the VA and XXXX trying to find out the facts of why this bill was not paid and why. XX/XX/XXXX then sent my bill toXX/XX/XXXX who made my sterling credit fall nearly 100 points due to the double ambulance bill. 

Sincerely~
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 open
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have been using my credit report for inaccurate reporting, i have so many inaccurate inquiries on my credit report from transunion and would like them removed.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX  with my Jared credit card abs return the bracelet within the thirty days. Represenatives from Jared informs me that all charges are returned.. to include a {$300.00} dollar payment i made. After returning the item Comenity Bank charges me for insurance on a bracelet that is returned. They have been adding interest on the charges as well. I repeat i returned the bracelet and recieved a {$300.00} refund. All of this appears to violate Federal Trade Commison Guidelines on purchasing goods abs services in America. To wrongfully charge me for a good or service that is not needed or purchased. I called Comenity bank and canceled the Assurance coverage. I was lied to abs told it will remove the charges and it runs out that was a lie. I'm being told i have a payment due for XX/XX/2023. The attached photo and recorded phone calls have been obtained as of XX/XX/2023.
Product: Credit reporting

These inquiries should be deleted from credit report. I did not authorize. some inquiries are like same or next day. 
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive
Product: Debt collection

On my credit report there is debt in my collections from a company I do not owe them money or the people they are collecting for any money. This is identity theft and I do not owe them or anyone else any money for unpaid bills. I shall attach a photo of what I'm being accused of. I have looked into this and it is clearly fraud. Thank you.