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

Constant calls of harassment after I have advised them to stop calling me. I asked them to revise my account they refused. I purchased some articles from a store around {$2000.00} in price paid down the loan to less than {$700.00} was contacted by the company and they advised that I owed the amount of {$2800.00}. The amount owed is more than what was purchased and the amount owed has not even subtracted the money paid into the products bought. They contacted me and advised I can pay the {$2800.00} or pay a settlement of {$800.00}. I said the settlement is actually more than what I actually owed with all the payments that was made to this account this company is abusing the credit system charging customer XXXX XXXX in interest and even when the account is closed they will continue to add interest and fees onto the account which is against the fair credit lending act to the consumer. Please investigate this company for predatory lending practices. Harassing their customers by constant calling without the customers approval knowledge or consent. There are more than XXXX accounts this company has been manipulating the fair lending act and not abiding by the laws that they know they have been not following by continuing to engage in predatory lending practices of calling their customers more than once sometimes XXXX or XXXX times a day. Engaging in constant calling when they were advised to stop calling me. I tried to settle the account only to be told if I did not pay today I would be called again. I advised them to stop this and they advised they will continue to call me. They have already advised me and yet they still call and harass me. Therefore violating the fair credit act that they are not abiding by failure to follow fair credit laws.
Product: Credit reporting, credit repair services, 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XX/XX/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
Product: Mortgage

I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. 

On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. 

I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action XXXX also contravene the Consumer 's Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with the XXXX XXXX and provides consumers with the necessary proof of investigation. These are the accounts I mark inaccurate : XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account for 3-years. I have sent to Equifax a letter from the collection company, XXXX XXXX requesting that the credit bureaus delete the item, but Equifax refuses to delete the item from my credit report. Again, it's been 3-years since the company  requested to have the item removed from my credit report
Product: Debt collection

XXXX XXXX  alerted me to my XXXX score decrease and upon doing so I saw that the derogatory XXXX  on my XXXX report that I supposedly opened a account with XXXX XXXX XXXX on XX/XX/2023 for {$650.00} when I know I don't owe anyone anything. I have worked hard to regain my financial independence and now this please help me clear this up.
Product: Vehicle loan or lease

Back in XX/XX/2019 it was a computer glitch in the system and it had me being 30 days late in which im current now as you can see and has been paying my bills on time every since i would like for them to remove the late payment and they dont want to do it so i need you all helps
Product: Debt collection

The collection agency has continued to report this account on my credit report despite having been instructed not to communicate with me further regarding this debt.

According to 15 U.S.C. 1692c, the collection agency is prohibited from engaging in further communication regarding the debt under certain conditions, such as when the consumer has notified them in writing to cease communication or disputes the debt.
Product: Credit card or prepaid card

On XX/XX/2019 I ordered a product as advertised online through a seller using PayPal as the service to transact through. I captured the screenshots of the product ordered. The seller delivered something entirely different than the product I ordered. I opened a dispute with PayPal. I also contacted my Credit Card Company, XXXX XXXX  XXXX to alert them. I spent months going back and forth between the 2 companies. Finally, XXXX XXXX XXXX stated it would have to be resolved by PayPal as that's where the transaction originated. I also tried to contact the seller in order for him to send me the correct item. He refused stating what he sent was accurate which is totally false. I am including the email communication between myself and the seller. I reported it all to PayPal providing the email history between me and the seller actually proving what was sent was NOT what I ordered. 

PayPal is claiming they can not issue a refund to me because it is beyond 180 days and that I need to resolve through XXXX  XXXX XXXX. XXXX XXXX XXXX states I need to resolve through PayPal which I agree with as the seller clearly falsely advertised a product for sale. I would NEVER have purchase what was sent, ever. And I explained this to PayPal over and over again. Additionally I kept communicating with PayPal through their online messaging system to insure my dispute stayed open but they closed it anyway. 

I feel it is worth mentioning that 100 's if not 1000 's of PayPal customers are or have experienced the same issue with them. PayPal 's XXXX page is overloaded with upset customers posting complaints because they can not get the issues they are having resolved by PayPal. PayPal polices the XXXX page quickly blocking and deleting these complaints calling them " repetitive '' post when in all honesty its hard working people who only want PayPal to resolve their issue. I also have screenshots of PayPal warning me they would delete my posts and block me, which they have done. 

People need to be made aware of PayPal 's BAD business practices so they can stay far away from them. We need your help in exposing this.
Product: Checking or savings account

Wells Fargo Bank continues piling on overdraft fees and so one overdraft fee In a veritable SNOW BALL EFFECT produces another and yet another and ...... all the down the line! 

As a result : two ( 2 ) checks were dishonored because of these numerous and being piled on overdraft fees! 

NOTICE : Wells Fargo Bank is stealing my SOCIAL SECURITY MONEYS and as a result I have filed a formal criminal compliant against Wells Fargo Bank with the SOCIAL SECURITY ADMINISTRATION! 

This is now my TENTH ( 10TH ) COMPLAINT TO THE CFPB in addition to literals dozens of emails and telephone calls to Wells Fargo Bank and calls from them to me and my beloved wife XXXX 's calls to them! 

And NOW some three weeks later, NOTHING!

I am told yesterday by " XXXX '' of there so called " Executive Office '' which is nothing but a front from the bank that it shall take until " XX/XX/XXXX '' for a " resolution ''! 

OR AM I TO WAIT UNTIL THE COWS COME WALKING HOME? 

People from Wells Fargo Bank put me under DURESS by telling me that they can not help me unless I accept their recorded telephone calls! 

CAVEAT : Any and all recored telephone calls aforementioned were under DURESS and so not voluntary IN VIOLATION OF FEDERAL LAW! 

XXXX XXXX XXXX XXXX Attorney-at-Law ( r ) XXXX  XXXX ( Ph. D. ) XXXX XXXX of XXXX XXXX ( r )
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away 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, credit repair services, or other personal consumer reports

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute these items and provide supporting documentation, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me.

I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX I sent Portfolio Recovery a letter asking for verification of the debt that they say I owe. No reply was ever received back from Portfolio. where is the signed contract that shows I ever had a contract with the original creditor of XXXX. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX  account XXXX XXXXXXXX, has 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account XXXX XXXXXXXX, has 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX XXXX repeatedly abused consumer reports to generate false data points & reports through CFPB & abusing consumers fourth amendment rights
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.
Product: Credit reporting or other personal consumer reports

XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and XXXX
Product: Debt collection

Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report.

Thank you for your time and cooperation. 
XXXX XXXX
Product: Debt collection

This is a time bared debt as a resident of NC and still. The time bared debt period has long past the statue of limitations. This company continues to add XXXX $ per month, every month, to keep this debt active on the credit reporting bureaus.
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the reasons for the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, these should be rectified.
Product: Debt collection

I opened an account with XXXX XXXX XXXX  through XXXX XXXX many years ago. I was trying to build my credit and my minimum was XXXX  dollars. I made purchases for this amount and made payments on time except for one time and the payment was a few days late. After this I had them call me all hours of the day multiple times a day. They have called from multiple numbers and different states. I have tried to call XXXX  about this many times, I have somehow accrued over 2,000 dollars in debt for a maximum of XXXX dollar credit limit. I have made payments I should not be making and have tried to comply the best way that I could. I did some research and spoke with my bank when recently they took money from me that was unauthorized. I called XXXX first and asked them why the money was taken and they said they do not have a record of this money being taken out so I need to call my bank because it is their issue. I was hung up on towards the end of the call and then called my bank XXXX. My bank was very helpful and put in a dispute to get my money back as well as put a stop payment for them. This is not the first time this has happened with XXXX and the lady at XXXX  told me to let the XXXX know about what I have been dealing with. Just today I received a call from XXXX yet again a Colorado number this time claiming that I need to set up a payment to give them the money back that my bank disputed and took back from them. They hreatened that I need to have an attorney call them and I have one last chance before they take further measures. This happens so often and so many times and I am frustrated and worried. I try to do the best I can to pay off my debts and they are relentles. My husband and I both have asked them to stop calling or I have tried to set payment arrangements just to get rid of them but something always happens. I read their reviews and they have a D- by the XXXX  and it has raised a concern to me with how they treat their customers rudely, by threatening them and calling them in a harassing manner and taking money that should not be taken. They take advantage of other people.