23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke to XXXX about a billing issue post termination of my account and was waiting on information I was told would be sent to my email. 

I do not want to spend another XXXX minutes on the phone when the issue has already been identified. I have all conformation and interaction reference numbers from the call. 

Amount owed {$120.00} XX/XX/2019 at XXXX XXXX, call duration 1 hour 13 minutes. 
Call Notes : XXXX were to send my original contract outlining events upon termination and terms of service. I was told that I can not access this information because I changed my service provider and my account login was removed. My wife terminated her contract with XXXX within minutes of me terminating service, she was charged 30 % of her normal bill which was prorated for the termination date. My bill was not prorated and was for the full month. There should not have been a difference in how the two accounts were handled which is why I wanted a copy of my contract before blindly paying the full amount while they explicitly and intentionally withheld my agreement. 

They have now sent me to a collections agency as of XX/XX/2019 I have XXXX FICO and do not want any impact on my credit, particularly when XXXX intentionally withheld information. I have clearly identified the issue and will be happy to pay once I have the documentation.
Product: Credit card or prepaid card

Citicard called and said my card was compromised in XXXX XXXX A new card was sent which has been used since that time. Citicard gave several credits and adjustments, but continues to charge about {$4000.00} that they did not give credit/adjustments for the total purchases that were not mine. I have continued to notify them by written statements and phone calls with nothing resolved. Since XXXX, the calls were with my banker XXXX times, 2 to 3 hours each time. We continued to be shuffled between customer service and the fraud departments. Each time we were told the balance was XXXX dollars ( {$0.00} ) only to find that the following statement was still over {$4000.00} more than the monthly purchases. Each month since the initial card change, I have paid for my purchases.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for a personal loan with Avant. As part of the process, they stated they strive for a 24-hour turnaround time for approval or denial. As part of the process, I linked my bank account through the " Plaid '' service. Within 24 hours, they requested my two most recent pay stubs, which I uploaded. 

On XXXX, XX/XX/XXXX, they sent me an email asking to call them. When I spoke with their rep, they said they could not proceed with my application unless I change my bank account to the account where I get the majority of my paycheck direct deposited. My understanding is that no company is allowed to require direct deposit as a condition of credit, much less are they allowed to force you to use a specific direct deposit account. 

I called again later that day to check status and ask them about the direct deposit issue, but they said they had moved the process forward and now needed me to sign my contract. I stated I already signed XXXX at the beginning of the process, and the phone rep said this was just final paperwork. However, when I reviewed the document compared to what I originally signed on XX/XX/XXXX the terms differed : the loan terms which were clearly stated in the original document were a payment of {$220.00} per month, and APR of 30 %, and an interest rate of 22.05 %. The new terms which they told me were just " final paperork '' were the same documents, except the payment was now {$230.00}, the APR was 33.17 %, and the interest rate was $ 25.07 %.

Upon further investiation online, I see Avant was fined in the past for issues regarding auto pay. I also feel this was a " bait and switch '' - it's one thing to tell me I can't be approved for what I applid for, it's another to tell me I'm just signing " final paperwork '', but that paperwork doens't honor the terms of the original application. Had I not looked closely, I'd have been fooled.

This situation feels predatory, dishonest, intended to deceive, and is shady. Their process also has only led me in circles for 5 days when a 24-hour turnaround time was promised - I'm right back at the start, only they tried to trick me and switch the terms without informing me.

I called today and told them I wanted my application to be withdrawn, and I am not interested. Their rep did not do so. She also said I would receive an email confirmation that my application was closed and that I had declined to proceed. That has not occured.
Product: Credit reporting or other personal consumer reports

Ive requested prior that XXXX, XXXX, and TransUnion update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.
Product: Debt collection

On XX/XX/2021 outside my normal operating hours, I received a call from XXXX stating they were Medical Revenue Service and needed to verify my date of birth in connection with a Medical debt. This was a very unusual and inconvenient time for me to be receiving calls because I engage in meditation and studies between the hours of XXXX to XXXX. I tried to resolve this matter but the caller disconnected the phone. Please help as I couldn't get this matter resolved. Thanks You for your consideration!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Store card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.
Product: Money transfer, virtual currency, or money service

Paypal decided to close my account without a valid reason. I submitted all relevant documents that they did ask me to provide but my account still got terminated. It is my belief that my account was not handled with any care during the review of my documents because otherwise I would have my account back. 
Please help follow this up for me as my account closure was not fair at all.
Product: Credit reporting

I sent Transunion a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and TransUnion responded with the same response. I am asking that you force Transunion to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a technical glitch, but the errors remained. Due to this issue, I request a thorough review of the documents I submitted so I can stop worrying about this happening again.
Product: Credit card

The date of the first delinquency that you have does not match the date that i have under 15 usc 1681 b e. You must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my profile
Product: Debt collection

I don't owe this debt! I have not authorized anyone to put this on my credit profile. This information was already disputed and removed several times from my credit report at this pointthis is harassment. I have filed for bankruptcy and am not responsible for this debt!
Product: Credit reporting or other personal consumer reports

There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of 15 USC 1681s-2. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my 5th complaint to request for the REMOVAL of these items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the CREDIT BUREAUS are required to remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this issue in my previous compliants & I am including it again along with the ID THEFT REPORT # XXXX and some supporting documents. Also, the data you provided on these items are UNKNOWN to me and were REMOVED from other bureaus and I have doubts about the accuracy of the report. Please see the inquiries and addresses that NEEDED TO BE REMOVED : EXPERIAN : 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

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH capital one 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 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 purp
ose, 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 AND XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Product: Money transfer, virtual currency, or money service

Hello, I have a big problem for me, I hope to help you solve the problems I have an account on Coinbase and my account on the site has been frozen because the site believes that I am in XXXX and XXXX is subject to sanctions, and I am a resident of XXXX, XXXX, and I have uploaded all the official documents that prove that I reside in XXXX because I wrote support and my case was not answered within 12 days. Nor can I get my money from XXXX. The sum is XXXX I wish with all my heart your help, with my sincere thanks and appreciation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy.

15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 7 years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Product: Debt collection

Page 2 of the " inventory and condition form is cut off, looks suspicious for fraudulent activity. I 'm requesting for the original documents.
Product: Debt collection

I dont understand what my personal information should be shared with a third party ( collection ) which I dont have to share my information with, my social and address, phone number and thy have all my information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX -XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding addresses listed on my consumer credit report : XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I had spoke with the XXXX XXXX and XXXXXXXX XXXX because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt oXXXX XXXX XXXX comes from and then i explained that i had been frauded by my XXXX when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
Product: Mortgage

This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I followed directions on Experian to obtain my free credit report to which I am entitled to under the The Fair Credit Reporting Act. However, the only way to obtain the " free '' report is to register for an account, which automatically enrolled me in an Experian CreditWorks account. If this account is not canceled within 7 days, a monthly charge is initiated. After I read my credit report, I searched on line for a means to cancel the account. The only method offered is by phone. The phone number takes you through a phone tree, which eventually directs you to access your account on line. This is not compliant with providing a free report. I am still trying to cancel my account.
Product: Debt collection

I was renting at XXXXXXXX XXXX XXXX I had a balance of {$110.00} I was not aware of, the reason I found out it was on collection was because my credit score dropped, I contacted Kimball trey & St. John LLP to make the {$110.00} payment they said it'll be removed. XXXX I called them because it was still in collection and they said they couldn't remove it, XXXX I called back because its still damaging my credit, I'm trying to purchase my first home and I talk to XXXX at Kimball trey & St. John LLP which she still says they can't do nothing about it, the charge was paid as soon I found out I had that balance..
Product: Credit reporting

XXXX XXXX shows as a hard inquiry on my Equifax credit report ( the above case number is from Equifax ) that occurred on XXXX/XXXX/XXXX. I disputed with Equifax and they replied that it is an actual inquiry. The only XXXX related account I have is a XXXX card opened in XXXX for which an inquiry on my account shows as " XXXX '' made on XXXX/XXXX/XXXX. There should be no other XXXX inquiries as I have not applied for any other accounts with them or with department stores who might use XXXX. 

On the attached credit report, please see page XXXX where the inquiry from XXXX XXXX on XXXX/XXXX/XXXX is shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent all the proper docs to XXXX and transurion and they still have not remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX