23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm writing to bestow my XXXX XXXXoncerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Credit card or prepaid card

On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/XXXX I purchased blinds for my home from JCPenny for around {$900.00}. At the time it was advertised if you open a JCPenny credit card this purchase would be 12 months interest free. At the time of opening the credit card the online service was not working and the store sales person asked me to call XXXX XXXX ( the servicing credit card company ) in one week to explain the situation and have the purchase coded as a 1 year free interested purchase. 

On or around XXXX XXXX I contacted XXXX XXXX  and spoke to an agent that told me me purchase would be coded as an interest free purchase. I should continue to make the minimum balance payment but all interest charges would be reversed. My next statement would not be correct but the XXXX statement would reflect the correct rate. 

My XX/XX/XXXX statement arrived which did not have the correct interest rate but this was explained that it might take until the next statement date. 

My XX/XX/XXXX statement had an interest charge had been applied and the rate was still set at 26.99 % for my purchase not 0 %. I contacted XXXX XXXX and they said the previous agent had not corrected the transaction but this agent would. She again said to pay the minimum payment and it will be corrected. 

Today, I opened my XX/XX/XXXX statement and I am still being charged interest at 26.99 %. This is nearly 90 days after the purchase and still a fraudulent charges of interest on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

Dear Sirs, For over 10 years my husband and I have had a joint checking account with First Independent Bank of Nevada ( alias Western Alliance after bust ). 
I have only twice had ACH Debits .... both to major companies XXXX and XXXX XXXX. 
Both for about 100 dollars. 

In XXXX my husband went into XXXX XXXX  and then returned home. He has XXXX XXXX and I have XXXX XXXX XXXX XXXX. 
I have been undergoing XXXX XXXX and I can't find a facility that can cope with him. 

End result we returned to our home of 25 years and I stated checking our bank accounts and found that Western Alliance had approved 4 ACH Debits ( one each week in the month of XXXX  ) totaling dollars. 
Each debit was from between XXXX dollars to XXXX dollars. 

When I tried finding the company ( XXXX XXXX ) I hit a brick wall. 
I spoke to the branch and they gave me a phone number that turned out to be XXXX XXXX XXXX. That they had initiated the order giving away my money. 
They could not help and the branch gave me the number for XXXX XXXX. 
They sent me directly back to XXXX  XXXX. 

So, now I feel I have been robbed by someone who is hiding behind the banks and the clearing house. So whose checking account did my meager funds wind up in. 

Since I receive about XXXXUSD in Social Security, you can understand how important this money is to me. 

Any help you can give me would be much appreciated. 
Many thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.
Product: Credit reporting or other personal consumer reports

Under my knowledge after checking my credit report and doing further research I request further investigation under my knowledge a charge off can not have a balance being that the company has filed a 1099-c meaning the debt has been paid .Please DELETE this inaccurate.information form my credit report
Product: Money transfer, virtual currency, or money service

PayPal permanently locked my account and is withholding a total of {$100.00} in my current account on their platform, and they are also holding {$49.00} which was processing for a total of {$150.00} that has been taken from me. I feel that I was wrongfully banned from the platform, and after carefully reading the PayPal license agreement I feel that I followed all guidelines. I contacted PayPal via telephone and was told by a representative that my money was on hold and that I would not have any access to it. The date that I received the decision from the company to banish me from their services was XX/XX/2021. I would like for my money to be released to my bank account with XXXX and for my account to be reinstated as soon as possible. My email with paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.
Product: Checking or savings account

On or about XX/XX/2022 the Bank of America closed out my savings account without warning or without explanation. The account that got closed is the same account that i use to pay for my brother-in-law 's needs who is in a memory care unit in XXXX XXXX, i XXXX XXXX Massachusetts so it's XXXX that my savings account be restored. I don't know why Bank of America is doing this. I am the Power of Attorney for my brother-in-law and i have done nothing to deserve this treatment. Please help me resolve this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had discovered that there had been multiple accounts opened under my name or social security number. The accounts are as followed : XX/XX/XXXX Medical Bill {$55.00}, XX/XX/XXXX Medicall Bill {$650.00}, XX/XX/XXXX Medical Bill {$970.00}, and XX/XX/XXXX Business Acct {$4600.00}. I filed a FTC report # XXXX on XX/XX/XXXX and notified the credit bureaus. Months have passed and I was unable to have everything cleared up with Equifax , Inc, however, life moved on and I just didn't have the time or patience to deal with it. I called Equifax and got the run around and NO HELP at all. Fortunately XXXX  and XXXX  have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting certified documents, so I have no choice but to file this complaint in an effort to clear my name.
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX and extended the lease in XX/XX/XXXX. In XX/XX/XXXX I " downed '' the vehicle after extensive work to it, new tires, brakes, detailing inside and out. Despite the new parts, after a multi system failure, and providing all the receipts in the vehicle as well as sending them to Ally Auto, the vehicle sold at auction for {$13000.00} and Ally never sent me notice of this until many days after the fact. 

There was an over mileage fee, but i felt the XXXX would do well at auction. In fact, for my XXXX XXXX XXXX, one of about 9 vehicles, leased through Ally Auto, they sent me a check for {$5000.00} or so -- after the vehicle was sold at auction and the over mileage penalty absorbed. 

I paid this lease for the XXXX in full along with the property tax and was allowed to get an extension as a result. 

Ally Auto reported to my creditors and FICO that I paid for less than owed in settlement, but this is not true. This is a false, misleading statement, that betrays the public trust. 

I paid the over mileage fee for less than owed. They offered to settle with me for about {$2500.00} of the {$4300.00} owed --. 

But. The lease itself was paid in good faith, in full, as was the personal property tax. However, Ally Auto is leading my creditors to believe that I somehow turned in the vehicle early and then settled on the debt in its entirety. This false reporting to my creditors without context is illegal.
Product: Checking or savings account

No access to DIRECT DEPOSIT THIS IS ABSOLUTELY UNACCEPTABLE.
Product: Vehicle loan or lease

I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. My old business partner stole this vehicle, the car salesmen gave him the keys to test drive the car without the salesperson in it. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car  through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. Chase auto recovery department is now calling me to collect this debt-and Chase credit department respond to XXXX stating that the debt is valid ed. I can't file a police report, because the car is not in my name, and I can't put it through my car insurance because the car was also not in my name. So, now I'm fighting with the credit reporting company, and now getting debt calls from Chase demanding to know where the car is and when am I going to pay the debt.
Product: Payday loan, title loan, or personal loan

Hello I am a   XXXX   XXXX   XXXX   wife and mother. On  XXXX  I took out a loan for {$600.00}. Then another on  XXXX  for an additional {$700.00}. I paid on my loan monthly while I was working at  XXXX . When I lost my job in  XXXX  of   XXXX   I fell behind on my payments, I paid when I could. Later I found out none of my payments were going to principal. They were only being applied to interest. When I originally found out about the  Title Loan  company it was from a commercial. The commercial did not say if the loan is not paid off in 30 days that your repayment amount basically doubles and triples over time.
Product: Debt collection

Unknown company and unknown debt, please help I have disputed this and nothing has come out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!
Product: Credit card

There is no way to confirm amount and date of future payment as the online website does not show them. I called and was told by supervisor that she could not even see the payment I did for the minimum amount due of {$240.00} on XX/XX/2023. She insisted that I did not make XXXX when I am sure I did. Either they deleted it and is hoping that I do not make another so that they can charge me a fee for a missed payment or it will post. People who do not want duplicate payments to hit are at risk of charges if they don't remember if they made the payment and have no way of confirming date and amount.
Product: Mortgage

I divorced my husband and the deed was signed over to me. During the divorce, my home went into foreclosure. The mortgage " note '' is in XXXX our names, but the mortgage is only in my ex husbands name. The mortgage company XXXX Seterus XXXX Inc. XXXX refuses to work with me for a mortgage modification, because my ex-husband refuses to cooperate and I am not on the " mortgage ''. The mortgage company is trying to force me out of my home with my XXXX kids without offering any type of mortgage solution. I am weeks away from my home being auctioned.
Product: Vehicle loan or lease

ally financial called me i tried to explain i am filing bankruptcy i gave the name of the attorney didnt have his number the agent was rude and harrassing refused to transfer me to a manager. 

told them i was calling cfpb got off the phone with them and they continued to call back
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.
Product: Checking or savings account

See complaint # XXXX which you closed As stated in the letter from Chase bank dated XXXX2024, attached to their response to the above complaint number, I called the phone number instructed only to be told that because the check cleared the check cant be returned to the IRS and they are waiting on verification from the IRS still. The IRS has not been contacted by Chase bank regarding this. Chase has not resolved this matter.
Product: Credit card or prepaid card

Capital One placed our account -- which has been in exceptional status, very rarely carrying a balance past a payment date -- into what they called " Restricted Status ''. 

When we called to attempt to determine the cause, they were unable to describe WHY they had done this. They proceeded to ask for highly sensitive personal information over the phone. We reluctantly obliged and then they asked us to send a photo of the back of our driver license for " proof of identification ''. These are EXTREME measures and we will not comply. 

They are polite, but remarkably unhelpful and they seem to be having an impact on our other financial institution interactions. We were unable to open a new savings account with another bank and it appears that this one account may be at cause. 

They will not remove the account from " Restricted Status '' without the highly personal data and we can not close the account unless that status is changed.
Product: Credit card

TRANSUNION XXXX AND XXXX HAVE LISTED THE FOLLOWING COMPANIES ON MY CREDIT FILE I NEVER FILLED OUT FOR THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROMOTIONAL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX BANK HAS NO ADDRESS LISTED ON CREDIT FILE XXXX XXXX XXXX HAS 4 TIMES ON CREDIT FILE ONLY FILLED OUT ONCE FOR A CARD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX WAS ALLREADY REMOVED TWICE FROM MY REPORTS NOW IT IS BACK ON FROM SOME NEW COMPANY THAT BOUGHT IT FAKE COLLECTIONS MUST OF SOLD IT TO THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO SUE THEM FOR THIS DUE TO ALL THE FALSE REPORTING I CAN NOT APPLY FOR A HOUSE LOAN FOR MY FAMILY JUST HAD A NEW BABY THANK YOU FOR HELPING ME
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach. My address is XXXX XXXX XXXX XXXX, Michigan XXXX. All other listed addresses are over 10 years old and should be removed