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

I've called XXXX spoke to a customer rep XXXX on XX/XX/XXXX regarding a refund of {$1200.00} sent from XXXX credit card XXXX with trace # XXXX on XX/XX/XXXX to BMO Harris Bank XXXX no one called me back after XXXX hours, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the reps XXXX XXXX XXXX and another lady ( forgot to ask her name ) told me that they did not know what to do and hanged phone call on me. 
I called again on XX/XX/XXXX with a conference call with XXXX credit card XXXX XXXX, was able to reach out to XXXX at XXXX ; however, XXXX said that she's unable to allocate the refund of {$1200.00} and that she would have to spend anotehr XXXX hours to reach. 
I would like to reqeust BMO Harris Bank to locate the refunds of {$1200.00} via their master car bill processor and adjust the 4 % bank transfer fees of $ original amount of {$2400.00} to XXXX, which is {$49.00} fee adjustment back to my credit card ASAP.
Product: Debt collection

XXXX XXXX SOLD MY DEBT TO UNITED DEBT HOLDINGS, TO WHOM SOLD TO XXXX AND FINALLY XXXX XXXX XXXX, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
Product: Debt collection

I made a reservation for a car rental using a 3rd party named XXXX but it was charged through XXXX. Once the reservation for XX/XX/2021 through XX/XX/2021 was paid for I received a confirmation email was received and my discover card was charged. The day I show up at the airport to pick up car, they had an issue and made us wait almost an hour to figure it out. They were able to figure out the issue and as curtesy for making us wait so long, they upgraded us. We returned the vehicle and there were no more problems. Months later we get a letter from XXXX saying we didn't pay. We showed them our reciepts and proof of payment but that was not enough and they placed me in collections, Even though we already paid.
Product: Credit reporting or other personal consumer reports

I HAVE SENT MULTIPLE REQUEST TO EQUIFAX REGARDING INFORMATION ON MY REPORT AND HAVE NOT HEARD FROM THEM YET!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/202 202
Product: Prepaid card

My usual payday loan company ( XXXX ) had been compromised on or about XXXX2024, and I 'tried around ' online for alternatives : one company named " Chime '' forged my name to loan document and boasts it is sending me a debit card -- utterly unwanted -- presumably for an amount of some {$200.00} -- closing out immediately on seeing my forged 'signature ' per XXXX  phone -- then getting notice of mailed (? {$200.00}? ) loan card email, I spammed/unsubscribed the Chime blurb, and yet was told severally that this unwanted loan debit card was being mailed to me. This is -- per forging my signature on loan doc etc. -- FRAUD to my best estimation. HELP! NEED FEDERAL INTERVENTION ON THIS SEEMING RAW CRIMINAL FRAUD!
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a XXXX XXXX XXXX XXXXXXXX necklace from XXXX on XX/XX/year>. I made the payment using a buy now, pay later loan from Klarna. When I initially made the purchase I reported to Klarna because there was an issue with the item being in stock so I didnt want to resume payments. I got the issue handled with the store XXXX  they sent me the item so I resumed payments. I am now nearly done with the payments but the XXXXXXXX XXXX necklace tarnished and turned. I contacted icebox about the issue and they wanted me to send them back the item so they could inspect which I was unwilling to do because out of the several times I purchased it took forever for me to receive items and Ive already sent them a picture of the tarnished necklace. They refused to refund me or replace the item. Klarna is unable to close the payment plan because of the previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I challenged this bogus account, and it was deleted from my credit history. This bogus account has been sold to another company or whatever, and it has now been reinstated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. 


Date Reported : XX/XX/XXXX Collection Agency BEST SERVICE COMPAN Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$380.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact BEST SERVICE COMPAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification EDUCATIONAL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
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 or other personal consumer reports

original account intercepted by identity theft. Police report of Identity theft reported to XXXX XXXX Sherriff 's Department. Report number # XXXX. Identity Theft reported to FTC.gov. I have tried for over XXXX years for the original credit amount to be corrected. I was no longer living at the address that was used to obtain credit debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received on my email that an inquiry was placed on several of my credit reports with Equifax, XXXX, and XXXX on XX/XX/, 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX XXXX  placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.
Product: Vehicle loan or lease

Reposed my XXXX  XXXX XXXXXXXX XXXX They also didnt transfer tittle to my name XXXX XXXX and the time of the purchase. XXXX # XXXX plate # XXXX
Product: Debt collection

I receive a letter from Fair Collections & Outsourcing dated XXXX XXXX, but I received the letter in the mail first week of XXXX They try to collect {$560.00} for an apt at XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. as of XXXX XXXX never received any information about this before on XX/XX/2022 I paid to XXXX XXXX XXXX {$6800.00} for rental, lawyer fee, late fees etc. 

when I got the letter from the collection agent, the letter explain how to disputed and that I have until XXXX XXXX to dispute or make a payment and also said that if I write to them by XXXX XXXX they must stop the collection until they send the information about this debt. 
My complaint is about the action they took. They report this collection to the 3 credit on XXXX XXXX, when the letter stated that I have until XXXX XXXX. I call on the XXXX XXXX XXXX  to get more information and paid I was toll that they already reported to the credit agency, that I can make the payment, they will reported but the collection was going to stay for 7 years, I questioned why they report on XX/XX/XXXX, the agent that I spoke said that I can complaint to XXXX, com .maybe they can help to XXXXXXXX XXXX  try and does not show in the website. 
This action affect my credit score with when down XXXX point.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report with transunion, XXXX, and XXXX that doesn't meet the requirements of the the New Public Record Credit Reporting Standards beginning XX/XX/2017. 

To my understanding this new law states that Credit reporting firms no longer will be able to include information about tax liens or civil court judgments in credit reports unless those records include a name, an address and a Social Security number or date of birth to match them to a specific consumer file. The new standards also require the firms to update public record information in their files every 90 days. This has not been done and as a result my credit report reflects inaccurate information. I have reached out to all 3 credit reporting agencies to get this account verfied and the only response that I received is that it was verified through XXXX. My XXXX XXXX report has been frozen by me so that is impossible to validate it. I froze the account to get ahead of the fraud that has been placed on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from XXXX XXXX way back in XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. XXXX XXXX continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for XXXX XXXX to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.
Product: Consumer Loan

My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate information.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statue 15 USC 1692g and has failed to validate this debt in a timely manner. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.
Product: Debt collection

My husband and I bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months later, we discovered that the company, XXXX XXXX, was a scam. Other consumers shared their horror stories. My husband called them several times, but the number was not working. When the number finally worked, an agent claimed he canceled our contract but never sent a confirmation email. We later learned that, according to XXXX XXXX, that phone call never happened. Then, another agent said she would cancel it, but it was never canceled. Now, a debt collection agency is reporting it every month. You can look at the reviews for XXXX XXXX  and see that other consumers have had the same problem canceling their contracts.
Product: Credit card

I did not request the convenience check but American express issued the check and charged on my credit card without my authorization
Product: Payday loan, title loan, or personal loan

Not being able to be approved for a short term loan from a reputable company I turned to online loans thinking that it would be a better choice that a typical cash advance store. Running through the steps in this whirlwind trying to get rent paid ( even though I solidly work 40+ hours a week at XXXX , have a humble apartment and do not live outside my means ) I stumbled across the world of online consumer loans. Cash now-worry about the details later. They explained the long term agreement over the course of a year, foolishly thinking I will have paid it off by then. I borrowed {$400.00} from Inbox Loan. I have made 5 payments already since XXXX of {$120.00} every 2 weeks on my payday. The long term agreement is literally {$120.00} every two weeks for a year. That is well over {$2000.00} for a {$400.00} loan. Im crying because I cant believe how this system works how businesses are allowed to operate like that. I cant even access my original loan agreement by the way because the link expired. I dont understand as a working adult with the only thing negatively affecting her credit score or unpaid unmanageable student loans can not be given the opportunity to consolidate debt with any reasonable accredited business. I am only a number, only a credit history, only a piece of paper though I am not defined as a incredibly hard working mom who IS dependable-that wants to earnestly rebuild my credit, my life, and be responsible. I need help yet no one has my best interest in mind. I dont think writing this will be a call for finally someone to believe and recognize the potential in me and help me fix things, nor to I think this little letter will change a broken system. But I want to be heard, I deserve to be heard, and I will work to be heard. To give a voice to the hardworking Americans who have more potential in them than they could ever even realize. We are what makes everything move, the engine that powers nations the world. And we deserve to be given a chance to change our lives thus changing the world. Thank you for your time
Product: Vehicle loan or lease

Called many times hung up on I paid off my vehicle loan before it was due. Never late. Paid double payments. 
Negative late payments on credit reports Never late Over 7 years XX/XX/
Product: Debt collection

on XX/XX/2020, i sent a letter to PORTFOLIO RECOVERY Disputing a alleged balance of {$720.00} that i do not owe.i have not receive anything that i requested in the letter and has attached a copy of the letter below.
Product: Credit reporting or other personal consumer reports

I am writing to notify you urgently that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. Immediate attention is required to rectify these errors. 

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 I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the prompt removal of the fraudulent items from my report to ensure its accuracy .
Product: Student loan

My loan was sold from XXXX to Nelnet in XX/XX/XXXX. The issue is that I had consolidated and sold my loans from Nelnet to XXXX several years back. When XXXX sold my loans back to Nelnet instead of treating it like a new loan they dropped it back into my closed accounts. The problem being that Nelnet failed to report my loan for almost a full year. It showed up as of XX/XX/XXXX and according to their systems and my credit report has been open since XX/XX/XXXX. When my account from XXXX was closed it was XXXX $ my current loan amount with Nelnet is XXXX XXXX
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX, all have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent out the same request on five separate dates ( XXXX XXXX XXXX XXXX XXXX XXXX ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved as soon as possible.