23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This is follow up to Complaint # XXXX! 
XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint. 
" In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TRANSUNION 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 correct : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$36000.00}
Product: Money transfer, virtual currency, or money service

Was called by a Bank of America phone number ( the same number listed on the back of my debit card ), and said they were from the fraud department and they caught a XXXX transfer of {$3500.00} to someone in XXXX. They asked me if I had sent that and I said no. They said they were going to put a fraud warning and then reverse the payment. They requested a manual reversal for {$3500.00}. They gave me a confirmation code and then sent the request for {$3500.00}. After that, the {$3500.00} disappeared from my account and they said not to log on for XXXX hours. I called BOA and was sent to their XXXX fraud dept where they confirmed it was fraud. The payment is processing, but they cant give me my money back until XXXX reviews the case which could take up to 45 days.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violate consumer financial practices, which violate the consumer financial protection act ( cfpa ) .Specially, cash app failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been XXXX  at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX I have had an account with Macy 's Credit Card Services.  The card # is XXXX and the security code on the card is XXXX. I have called Macy 's credit services to notify them that they are not report my account on my credit report, and I have also made charges on my account that does not reflect the information online. Their online website information is not correct and does not match the balance that I have. For some reason, they are not able to add my new card on file and that is why I think they are not able to report this information to the credit bureau 's. When I call the number on the back of the card to check my balance, it is different than the balance that shows on my account online. I just recently made transactions online and it shows that I have purchased products, but the information does not reflect or equal to the correct balance online. I have asked Macy 's in writing to please correct this and to report the information correctly to the credit bureaus and they have failed to do this for me.
Product: Credit reporting or other personal consumer reports

XXXX trans union and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, TransUnion, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like Hispanics. And that's what they're doing : lying.
Product: Debt collection

I have been filing for dispute from XXXX, transunion and other reports agencies but no acrion has been taken.
Product: Mortgage

Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. 

I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. 

Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 
3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. 

I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks!
Product: Credit reporting or other personal consumer reports

There is a fraud social security number on my credit report and unauthorized accounts opened and unauthorized hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLOWED COMPANIES TO SUBMIT INFORMATION THAT WAS NOT AUTHORIZED BY MYSELF ALLOWED COMPANIES TO PAY FOR INFORMATION ABOUT MYSELF WITHOUT MY CONSENT FOR A PROFIT NEVER CONTACTED ME TO VERIFY THAT I GAVE PERMISSION TO THESE COMPANIES TO GATHER DATA ABOUT ME DID NOT VERIFY THAT I WAS AWARE OF WHO THESE COMPANIES WERE ( ARE ) SELLING MY DATA WITHOUT MY PERMISSION AND CONSENT REACHING OUT TO OUTSIDE COMPANIES IN AN ATTEMPT TO OBTAIN INFORMATION ABOUT ME WITH OUT MY CONSENT FOR A PROFIT TO REPRESENT ANOTHER COMPANY THAT PAID THEM
Product: Debt collection

Company impersonating Credit Control LLC. The trying to tell me I have an outstanding debt of XXXX but if I pay today it's only XXXX. Total tell. 

Also, they picked the wrong person because I have excellent credit, pay all my bills and am type A. I don't have an outstanding balance. And they would not tell me who the outstanding balance was for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/XXXX, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. 

The item in dispute is the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This is my second notice to LexisNexis regarding the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This information is outdated because the item in dispute expired in XXXX. Additionally, I have NOT lived at the listed address in over 21 years! 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Debt collection

I am a verified victim of identity theft and enrolled in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. All utilities are covered through federal assistance. I have never lived in XXXX XXXX, Georgia, and have no relationship or account with them. 

In XX/XX/XXXX, Diversified Adjustme added a collection to my XXXX credit report without ever contacting me, sending notice, or validating the debt in direct violation of : FDCPA 809 ( a ) No written notice of debt within 5 days FDCPA 807 ( 8 ) Unlawful credit reporting without validation FCRA 623 ( b ) Failure to properly investigate prior to furnishing FCRA 611 ( a ) Failure to reinvestigate once disputed GLBA Possible unauthorized transfer of personal information UDAAP Unfair and deceptive handling of alleged debt State Consumer Protection Laws in Georgia _______________________________________________________________ Affirmative Defenses : I do not owe this debt. I never signed for this utility or authorized its use.

I have never received a letter, phone call, or bill from this company.

There is no contract bearing my wet signature authorizing Diversified Adjustme to collect.

No chain of assignment has been provided.

A bill of sale is not proof of consumer debt ownership.

Per GAAP, internal ledger or bookkeeping entries are not evidence of a personal liability.

________________________________________________________ Supporting Documentation ( Attached or Available on Request ) : FTC Identity Theft Report ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud investigation file Proof of current address and identity Certified mail receipts showing they were placed on notice
Product: Debt collection

My identity was stolen in XX/XX/XXXX. I reported it at the time, filed a police report, and put on a credit freeze. I also have an extended fraud alert in place through XX/XX/XXXX. On XX/XX/XXXX, I was alerted about a derogatory account in my name from DRS, which is not my account and is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Gemini two emails regarding verification of my account and have not received a call or email from them. First request was support number XXXX on XX/XX/2021 and the second support number was XXXX on XXXX XXXX. My account is still in verification mode and I am unable to withdraw my deposit funds. In addition, all information has been provided to the company.
Product: Credit card

on or about XX/XX/XXXXXXXX XXXX XXXX XXXX an application was submitted online through American Express for the American Express Gold Card. For reasons outside of this matter a credit freeze was in place with the 3 consumer reporting companies. XXXX, XXXX and XXXX. During the application process XXXX, the applicant/consumer was " FORCED '' to allow American Express be given access of the reporting agency " XXXX '' doing business as XXXX. NO-WHERE on XXXX website does it state it is a consumer reporting corporation. In actuality under its Licenses and Disclosures link it gives actual statement of the companies true nature. Not Once! does it claim it is a consumer reporting company but actually states it is a XXXX XXXX XXXX. This is Fraudulent and Deceptive practices by both companies and I have certified mail receipts that American Express has received my dispute over this and other items related to the intentionally misrepresented credit application. In my letter I supply evidence of this numerous incorrect assumptions, presumptions and the true nature of the credit process. I demand that American Express correct this application of which is identified as application ID # XXXX. and for American Express to correct this unlawful decision to deny the issuance of my lawful right to credit under the acts, codes and federal regulations that protect and guarantee my lawful demand.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ; XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous XXXX attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within XXXX days of receiving this letter. Kindly help me correct this account for no more late payment : XXXX XXXX AUTO XXXX Balance : {$7200.00}.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I am submitting a complaint claim to you because I have tried to contact Coinbase on several occasions via email with minimal help- this matter was never resolved and the company just stopped replying to my emails. This company Coinbase always replied by sending a automated email to my request. Currently the account I have with them I am unable to access it - the account states sorry we can not fetch your portfolio balance at this time... this message has been posted to my account for 6 months. I can not make any transactions. The sum should be {$500.00} last time I checked. 

The following dates are as follows of emailing Coinbase XX/XX/21, XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21
Product: Credit reporting or other personal consumer reports

I reached out the company to receive information about my account, but the company has no account existing with my personal information. I don't recognize this lender and I don't remember authorizing them to us my credit report. Please remove all of these unauthorized inquiries from my credit report immediately from XXXX, XXXX, and XXXX. 

Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.
Product: Payday loan, title loan, personal loan, or advance loan

Opened this account XX/XX/2023 realized the loan interest rate is 189 % which I was completely unaware of. I know easypay finance has been sued by multiple states for this and I talked to them about working something out to lower it and they refused. I been having trouble paying this loan since XXXX and I looked and made little to no progress on this loan. I got out the loan for {$1300.00} and I owe still {$1100.00} as of almost a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 3 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to open more accounts under my name because my credit was ran a couple of time. These 3 accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00}
Product: Credit card or prepaid card

I called Synchrony Bank to request a courtesy waiver of interest and late charges in XXXX XXXX  XXXX due to XXXX I was told by the Synchrony advisor that this would be done but it was not. As a result more interest and fees accrued which I did not discover until XXXX XXXX XXXX when I once again contacted Synchrony Bank. I attempted to correct the situation again in XXXX XXXX  XXXX as well as in XXXX, and XXXX XXXX XXXX. My card account was marked closed due to delinquency which is incorrect. I was assured the charges would be reversed in XXXX XXXX XXXX. My credit scores took significant hits and Im still unable to secure a credit card with any business which uses Synchrony Bank
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.