23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I saw the Capital One Savor card as one of my offers in the XXXX 's website advertising a 0 % APR for purchases and transfers for the first 15 billing cycles. I applied and got approved for it on XX/XX/XXXX. After receiving the card in approximately 7-10 business days, I attempted to activate the card on XXXX XXXX, XXXX, but was directed to call XXXX XXXX. After speaking to XXXXXXXX, who activated my credit card, I asked her if I am able to transfer a balance to the 0 % APR using the mobile app. That is when I was advised that the 0 % for transfers is no longer available at that time. Since the primary reason for me applying for this card is no longer being offered, I asked them to close the credit card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Vehicle loan or lease

In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to you to make a formal complaint against Lendly loan. I suspect they are breaking the XXXX  usury laws that state the maximum interest that can be charged on installment loans is generally set at 12 % maximum per annum. I noticed this when I was wondering why it was taking so long to pay off my loan when I had a similar loan with same company and it was paid off by now. But when I check online it keeps saying I owe $ XXXX over and over again although I pay {$140.00} from my check 2-3 times per month. I pull up my account and notice they are charging me a total $ XXXX on a $ XXXX loan totalling 183 %. They also claim to help credit by showing you as paid on time on your credit, etc, etc. Of all the payments I've made they've only reported me paying once or twice which has actually lowered my credit score and is making me get denied for other credit related things because it looks like to others I'm getting high loans and paying nothing on them although I pay {$140.00} two to three times per month. 

My best friend has made several of the same loans from them and agreed they've never been charged so high. I also don't recall seeing these forms until now because there's no way I would've agreed to that. I feel they have unfair lending practices that are predatory towards certain demographics and would appreciate your attention to this matter.
Product: Debt collection

On XX/XX/2022, Discover Card contacted my stepmother on her mobile phone number regarding my debt even though she is not authorized to have access to my account. Discover Card additionally shared private information regarding my account to my stepmother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined Freedom Debt Relief to consolidate my debt, and have one place to pay and resolve my debt. For two years, {$310.00} was taken directly from my bank account to resolve these debts, twice per month at each pay period equaling about {$630.00} per month. I specifically asked when I joined how XXXX makes their money, and they pointed me to the fee column of the website which indicated about $ XXXX in fees. I decided I could live with that, and moved forward with the program. After a few months I began receiving requests to approve negotiations, which I did but after about a year, I looked into why things had slowed down. I realized that not only were they taking this monthly fee, but they were also taking 20 % of my debt amount as a fee as each resolved. And they were taking 20 % off the total, not 20 % off of what they negotiated down. I was livid. I messaged I called, I sent letters, the whole 9 yards. Nothing. 

During this time, I had to pivot my energies to a mother with XXXX a sister with XXXX and a demanding job that paid me exponentially more than I had been making when I enrolled in the program. I was able to pay some of these debts 100 % on my own. So I stopped approving debts and paid remaining debtors directly in full just so XXXX could not make their 20 % fee. Finally, in the XXXX of XXXX, I checked into my account again, and only had two accounts left to resolve. They were minimal - XXXX $ XXXX, the other {$900.00}. My " dedicated account '' had well over {$2500.00} in it, enough to pay both debtors in full and walk away from this god-awful program. Once again, I wrote and called and wrote and called requesting they pay the debtors in full without negotiating and stop taking {$630.00} out of my account each month ( {$310.00} each payday ) citing that I'm done with the program, they can easily pay the debtors in full and stop taking money out of my bank account. Well, they won't. This company is stealing over {$600.00} a month from me, amassing over {$5300.00} in my " dedicated account '' when the last two remaining debts that I have asked them over and over again to pay, equals a fraction of that ( {$2200.00} ). It has now been almost a year. The two remaining debts are STILL not resolved. They are minimal, and debts I could pay on my own, but XXXX has {$5300.00} they have taken from me to pay these debtors.

I am unable to remove my bank account from the website, and I can not update my bank account to stop them from deducting money from my bank account each pay period. They are STEALING money. If I did what they are doing, I would be in jail. They literally reach into my account twice a month and take {$630.00} and in spite of having enough and being told over and over again to stop, they continue. Further, they have not done the job they were paid handsomely and unknowingly to do. If that's not stealing I don't know what is. 

I also want to red-flag their fee process- they take a monthly fee plus 20 % of your total debt amount. They did not disclose the latter to me when I specifically asked upon joining.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in this complaint. I sent letters to LexisNexis the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them and I have proof that they receive the letter on XX/XX/2022. That means LexisNexis has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR DELETE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX
Product: Credit card or prepaid card

Well I had some charges disputed they didn't credit me for the right transactions that they were suppose to
Product: Debt collection

I had a bill for XXXX following a XXXX in XX/XX/XXXX. I called the medical provider and set up a payment plan. 6 months later, I was contacted by Capio Partners in a debt collection attempt. I spoke with the original medical provider and inquired as to why the payment plan was not implemented. I was informed that there was nothing they could do since 6 months had already passed and it was already turned over to debt collection. I received a letter from Capio Partners dated for XX/XX/XXXX indicating that I owed an amount of {$4100.00}, despite a statement from the original medical provider indicating that I owed {$950.00}. They contacted me on XX/XX/XXXX in an attempt to collect the debt. I sent a letter to Capio Partners via certified mail written XX/XX/XXXX in dispute and asking for them to supply information to validate the debt. Capio Partners responded with a letter dated XX/XX/XXXX showing that they purchased the debt from the original medical provider and proceeded to reverse a discount of {$3100.00} that was granted and never billed to me by the original medical provider. Capio Partners resumed collection call attempts. On XX/XX/XXXX, I called to discuss the letter and dispute the amount of {$4100.00} that they were trying to collect. I was told by the Capio representative XXXX, that the discount was reversed by the medical provider because I did not pay off the bill. I disputed this with XXXX and told him that the correspondence I received from Capio Partners shows that it was Capio Partners who reversed the discount of {$3100.00}, not the medical provider. I informed him that the medical provider never billed me for the extra {$3100.00} and that I was disputing his claims. XXXX asked me questions about what the Capio Partners letter from XX/XX/XXXX stated- even though the letter was generated by Capio Partners itself. XXXX informed me that he could not guarantee that I would not be billed a higher amount than my original debt billed by the medical provider.
Product: Debt collection

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MIDLAND CREDIT MANAGEMENT.
Product: Credit reporting or other personal consumer reports

1. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXXXXXX XXXX XXXX  Open Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX dollars 2. Creditor Name : LVNV FUNDING LLC Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO OPEN CREDIT CARDS AND GET MEDICAL CARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today to block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit card or prepaid card

Good afternoon. On XX/XX/XXXX, I requested an US {$3000.00} online balance transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be credited on my XXXX XXXX Visa credit card. The credit requested was never received, but charged to my XXXX XXXX card. Fifteen ( 15 ) days after, on XXXX XXXX, I called Barclaycard Customer care dept. and requested to cancel the transaction because still wasnt received. They said that I would get response within 15 days. On XX/XX/XXXX, Barclay Customer care dept. wrote me the case No. XXXX was open but will take 30-60 days for solution. On XX/XX/XXXX, Barclay wrote me that a manager would contact me, but that also never happened. 

On XX/XX/XXXX, I made a complaint to CFPD, number XXXX and, as a result, the amount of US {$3000.00} was voided from my account, by Barclaycard. 

But after that, for my surprise, On XX/XX/XXXX, the same amount of US {$3000.00} was re-charged by the same amount and concept of transaction posted originally XX/XX/XXXX. Then, I made a new complain to Barclaycard on XXXX XXXX, XXXX. On XX/XX/XXXX, Barclaycard recognized the error by e-mail, and created a new case that would take 7-10 days to be solved. Recently, responding my e-mail sent on XXXX XXXX, Barclaycard Customer Care dept. wrote that a case has been opened for me, reference number XXXX, and that they have began a new investigation, wich can take up to 45 days. Naturally, I dont trust them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 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 and 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

i was looking over my credit report and i noticed inaccurate information on my credit report and i noticed that my consumer rights had been violated. These are the inquires that are unauthorized 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I was disputing a loan amount and requested that in the interim, my account with the payday loan company be transfixed until the issue of my consumer rights violation could be resolved and the company never responded to CFPB and Im turn, CHARGED my bank account for {$380.00} on XX/XX/18, this causing me to be late with other bills. I was consequently assessed a {$130.00} lien fee to my storage unit because I couldnt pay them, because XXXX XXXX XXXX TOOK the money and was NOT authorized on XX/XX/2018 to do so. I hereby dissolve and rescind and/or revoke any and all of their claims ( real and perceived or implied ) to any authorization to my bank account or applicable cards in case there should be any further mishap ; this statement by myself is thereby documented via this complaint as such.
Product: Mortgage

I am paying for a loan that the contract has not been satisfied. The loan I am paying is for a solar system that is not working. GoodLeap made statements that were not true so that could get the loan. This company is praying on the elderly. They said that is I would give them the money from the tax rebate that my payment would remain the same. They lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLYFINANC - XX/XX/2022 XXXX ALLYFINANC - XX/XX/2022 XXXX ALLY FINANCIAL XX/XX/2022 XXXX I have never authorized Ally to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as ally please remove there is no open accounts on my credit with ally as of XX/XX/2022
Product: Credit reporting or other personal consumer reports

I filed a dispute with all three credit bureaus and then filed a debt validation claim under 15 U.S. Code 1692g to the company XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXXXXXX XXXX XXXX failed to provide the requested information.
Product: Debt collection

Debt Collection Company : Alliance One Alliance One repeatedly calls my number looking for my brother. 

I have asked for a C & D multiple times and have informed them that this is the wrong number. They still call. They are trying to reach my brother not me. Isn't this a violation of NPPI? I am not an authorized user on his account.
Product: Debt collection

Someone showed up to my XXXX old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send XXXX to an old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on the account is not reported as XXXX.