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

My husband and I received a bill from Speedy Cash on XX/XX/XXXX for {$400.00} due immediately. I contacted the company to let then know they had the wrong person. They wanted me to surrender my husband 's social security number and date of birth before they would even discuss the account with me. I refused, because we did not take out the loan. They transferred me to the Fraud Department. They refused to talk to me because the loan was not in my name. 
We received a second letter dated XX/XX/XXXX. It stated that since we were claiming that we didn't open the loan, they were putting a hold on the account for 30 days. We would have to contact our local police department to file a report and then they would release the information concerning the loan. I spoke with the police department. They stated that at this point there was not enough proof that a crime had been committed, therefore they could not open an investigation. They asked me to try and get the information from Speedy Cash, then they would have information to work from. 
We received a third letter XX/XX/XXXX stating that they REQUIRE a police report and/or notarized FTC affidavit, along with a copy of my husband 's drivers license by XX/XX/XXXX or the account will be sent to collections department and activity will resume as allowed by law. 
We received a fourth letter XX/XX/XXXX, which finally gave us the account number, the amount of the loan, and that it was applied for online. We called the company, gave them my husband 's date of birth, last four of his social security, trying to resolve this issue. The person we spoke with stated that he still could not release any information until we verified more information or we have the police department call them for the release of the information. 
We did not take out this loan and require help to stop this harassment from Speedy Cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that XXXX XXXX XXXX reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that XXXX XXXX XXXX doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

XXXX XXXX XXXX  car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX police officer and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.
Product: Vehicle loan or lease

We leased a XXXX XXXX XXXX, new from XXXX XXXX. Turned in the lease on XX/XX/XXXX. And purchased a new XXXX XXXX XXXX from the same XXXX dealership. In XXXX we received a notice that the XXXX XXXX XXXX was in collections and a repo guy came to our house looking for that car. We got in touch with XXXX XXXX to see what the issue was and come to find out they didn't " ground '' the car. Kia stated that it was a mistake on their end and they would take care of it. Our credit was severely damaged from a issue that was not our fault. 

Then XX/XX/XXXX ( so 2 years after we turned the car in ) we received another letter stating we owe {$1000.00} for " Early Termination Liability ''. Obviously we didn't know what this was about, so after making MULTIPLE calls to the Kia Customer Finance, which was no help, we decided to go up to a XXXX XXXX. Well the XXXX XXXX was sold to XXXX XXXX. They took a look at all of our documentation and said this was a huge mistake on XXXX XXXX 's part but they couldn't help us. They said it was not " XXXX 's '' problem it was " XXXX 's '' problem. They XXXX XXXX XXXX XXXX told us that it looks like XXXX pushed back the grounding date of the car on XX/XX/XXXX. Apparently they can only backdate it so far, which makes it look like we turned in the car in XXXX, when we did all of this in XXXX. 

I then contact the XXXX of XXXX. He states that is not able to help us. And that XXXX is " stonewalled '' from helping us because of XXXXXXXX XXXX liability. 

Our account number is : XXXX We called XXXX and spoke to someone on XX/XX/XXXX for 24 minutes. XX/XX/XXXX for 28 minutes. Called XXXX on XX/XX/XXXX minutes and then again on XX/XX/XXXX for XXXX minutes. This was all XXXX XXXX relations who were not able to help us in regards to this bill. 

We have attached the Lease Agreement that states we owe {$1000.00}. We have attached the contract for the XXXX purchase of the new XXXX. I have attached all of the communication with the Sales Manager XXXX XXXX from XX/XX/XXXX. We have attached our entire payment history of the XXXX lease. The customer delivery checklist is attached.
Product: Credit card or prepaid card

In XXXX the Post Office lost my letter with payment. I know this because the check was never cashed and it was in the letter. I received the next statement showing no pay and including extra charges. I called City Bank and told them that the Post Office had lost the letter. They looked at my payment record and said I had always paid the full amount and they would remove the penalties. The next bill included a {$2.00} penalty, so I called again and was told they would take care of it. I sent a check for the total of my purchases. The next bill had another extra {$2.00}. I paid the total merchandise charges and cancelled the card telling them I had enough of their lies. The next bill had another {$2.00} and merchandise charges of {$20.00}. I wrote a check for {$20.00} and took it to the XXXX XXXX to be paid. Since the card was canceled, they would not accept the payment. I sent the check and a letter stating the store would not take the payment. Also I stated that it may be late because of the time to get there. These " wonderful '' people ignored the letter and sent a bill with more penalties. I have had enough of their greed and mismanagement.
Product: Debt collection

I have no knowledge of a mortgage owed to bsi financial services. I have never sign and contract with this company
Product: Checking or savings account

I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!
Product: Vehicle loan or lease

EXETER FINANCE COMPLAINT I requested a COVID relief forbearance back in XXXX, and was able to get a brief reprieve. Once that expired, I called on XX/XX/2020 requesting a regular payment plan, and talked at length with the agent, who was very empathetic ( very long conversation ) ; and he also escalated the request to his supervisor who advised that she could approve a payment plan after at least one payment. I did so the following week for the full monthly amount in good faith ( with the last monies I had from a partial paycheck ). 

I called again on or about XX/XX/2020 to request the forbearance, referencing the directions the supervisor told me to do from XX/XX/2020, and was told no and that I needed to make a double payment. I advised them to go back and listen to the recorded call from XX/XX/XXXX to confirm the commitment to me, and asked for a follow-up and for my arrangement. I was told that a manager would call me back. To date, I have not received any call or consideration.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Product: Checking or savings account

I deposited a check of XXXX. This check is my regular pay from my employer. The check has been put on hold for 10 days, this is absurd. I have my rent due, I need access to the money within 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking on my credit through Credit Karma and noticed that someone stole my identity and putting in for loans and accounts. I reported to be removed from my credit and find out who stole my identity. I had a hard time getting back into credit Karna had changed my phone number.
Product: Debt collection

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT XXXX XXXX AND THEIR COLLECTION AGENCY SUTTELL & HAMMER HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT XXXX XXXX ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( SUTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT XXXX XXXX ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
Product: Payday loan, title loan, or personal loan

I have had this loan sin  XXXX   XXXX ,  2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation  the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.
Product: Credit reporting or other personal consumer reports

My credit history on a personal credit card is appearing on my ex wife 's credit report and she is able to see my balance on the card. I have verified with the card issuer that she is no longer attached to the account in any way, and has not been for several months.
Product: Credit card or prepaid card

I made an online purchase from XXXX XXXX for a compressor. It got lost by XXXX. It got sent Way back east and then back to Colorado from California. 
When it finally arrived it was badly damaged by crushing. I took pictures of the box and machine damage and contacted the seller. They said, they would send me parts to fix it. The parts I received were not compatible with my machine. I told them. They said, sorry they messed up. I never got the correct parts as promised. I disputed the charge. Citi Card suspended the payment. The seller then credited me XXXX. 
Citi Card then said, they had to rebill me since the merchant credited me XXXX. Now they say I have to pay them, CitiCard, for my damaged box of junk. 
I did all I should have done and could have done to resolve this. I cant go back to the merchant because Citi Bank payed them. Thing do not work this way ... ... .XXXX
Product: Student loan

On XX/XX/XXXX, I spoke to a representative at Nelnet regarding a credit reporting issue, she told me that since my deferment was approved and backdated to XXXX of XXXX that they would be able to remove late payments from my credit report which would take 6-8 days and that by XX/XX/XXXX the problem should be resolved. However, on XX/XX/XXXX I contacted Nelnet and was then told that the late payments could not be removed and that I was given inaccurate information! Later on into the day I called to request documentation stating the day that my deferment was approved and the date that the deferment was back dated to and they proceeded to tell me that my deferment was never backdated but then said it was back dated to prevent me from having to pay anything during those months. I have been told something different every time I speak to someone employed by Nelnet and feel that Im not being told the truth by anyone! I feel that it is my right to have documentation stating my deferment was in fact back dated however they refuse to provide such documentation!
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 paymen t 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 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 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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number XXXX please review.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

hi I was a victim of identity theft and some one open credit cards and bank accounts on my name I got a police report and I've bXXXX disputing fraudulent accounts to the XXXX credit bureaus when I see them by sending letters with supporting documents and most of the times the fraudulent accounts are deleted right away but there's ones like this that even with all the information they still say its correct and don't want to remove it that's why I'm reporting it to the CFPB for help and finally get it of my credit report. when I first notice this account I dispute it to the credit bureaus and after XXXX days it came back as accurate and I ask transunion fraud department why did it came back as accurate when they hade a different address and phone number then mine? so I call the bank directly and explain the problem so they ask for my address and phone number so they can contact me when the investigation was over and the account removed but instead a few weeks later a got a letter saying the the investigation was done and they have the correct address and phone number so nothing to do? the only reason they have my correct address and phone is because I give it to them when I call to resolve this problem. bottom line is this account is fraudulent and it needs to be removed of my credit report.
Product: Debt collection

All debts placed on my credit profile all paid off company 's Continue to harass me because of the false reporting All collection shall be removed Per. 18 U.S.C 8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Title 18 PART I XXXX XXXX XXXX Quick search by citation : Title enter title Section section 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Student loan

Hi, Thank you for your time reading my complain, I am currently working part time ; around {$600.00} a month. I had a Student Loan from Discover Bank. They are asking to for a monthly payment around {$200.00}. After we agreed to pay partial payment, they reported me to the credit company as late payer. However, they told me as long as I pay partial amount of money, they wo n't report me. And I paid $ XXXX monthly for the past 3 months.
Product: Credit card or prepaid card

On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX  for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and Equifax