23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that XXXX XXXX XXXX. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.
Product: Credit card or prepaid card

I, the consumer, was denied credit by American Express when I applied for a XXXXXXXX XXXX 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1691 ( e ).

American Express is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

If American Express fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make American Express civilly liable for all actual damages pursuant to 15 USC 1691 ( e ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Product: Credit card or prepaid card

I opened a {$500000.00} home equity line of credit : approx 15-20 years ago at a low interest rate of approx. 6 % Without notice : someone at Wellsfargo lowered my still {$50000.00} line of credit to available only {$25000.00}. and open several credit cards at a high interest rate of 12-24 % instead.

I've now have been doubling up on the monthly payments, but the balance only goes down temporary, then a few days later, goes back up. Would like a thorough explanation and written formula of how each interest rate is calculated for each account.

I would like a completed transcript of all transactions of all of my account ( s ) from day one : 1 home equity line, and 5 high interest credit cards that were opened and just appeared online and available.

Solutions : a. re-activate my {$50000.00} line of credit. payoff those high interest credits, at 6 %. b. have someone enroll me in Wellsfargo 's federal hardship program for the high interest credit cards ( no one helps when I called Wellsfargo online number : XXXX ) c. refund the difference between the high interest cards and 6 % ( to pay down the credit cards )
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX Reported Balance : {$1200.00} Account Status : XXXX, XXXX XXXX CARD SERVICES XXXX XXXX Reported Balance : {$840.00} Account Status : CHARGE_OFF, XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Creditor Remarks : Closed or paid account/XXXX balance Payment Status : Current, XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$160.00} Date Reported XXXX XXXX Payment Status : Collection/Chargeoff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA XXXX violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately
Product: Debt collection

Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please
Product: Debt collection

AWA is collecting a fraudulant debt. I disputed this with the credit bureaus and AWA responded leaving it on the file and sending me a copy of the " promissory note ''. The signature on the note is a clear forgery. I have attached a copy of this note along with a copy of my signature on a recent agreement. 
They use a small " l '' in my last name..I ALWAYS write my name capitalizing the " L '' in XXXX XXXX. I print it this way and I sign it this way. The " R '' is completely different. I swirl the start of my " R '' You can see where they ran " XXXX '' together..I ALWAYS sign " XXXX XXXX '' I had called this company to see if I would qualify to cosign this note ... but I NEVER went in and signed any promissory note. 

THIS IS FRAUD.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, XXXX, XX/XX/XXXX are the most recent dates I emailed the company. Basically this company is the epitome of predatory lending. The company targets Postal Employees and out ability to set up allotments to make the payments directly from our paychecks. While paying back the loan I was constantly inadated with refinancing approvals. Not only this but the refinancing process was made to be so easy and the information or negatives of doing so were never made clear and they would entice you with keeping the payment the same or close to it even with borrowing more than before. They took all thought out of it, just a few clicks on your phone and done and done and the solicitations just came and came making it look so attractive and easy and never were any disclosures madeto be easy to access making it easier and easier along with the encouragement they would give to borrow more. And not only this, I did not have the capacity to be borrowing money or refinancing as I was drinking heavily, I do not even remember refinancing my loan so often ... only a few months need pass before you were eligible and solicited to refinance and borrow more and never did the interest rate go down, in my case it was increased and now looking back if I would of been in my right mind I would XXXX, probably never refinanced and XXXX, if I did I would of wanted a better interest rate due to my good payment history but being so inebriated I assume all I saw was dollar signs. I entered recovery on XX/XX/XXXX and voluntarily stayed for 60 days and have been sober ever since. When I attmepted to start fixing the things I did while drinking I came to my BMG loan and to date I have repaid over $ XXXX on a $ XXXX loan and as of today XX/XX/XXXX I owe more than I originally borrowed and not only that but they also changed the terms of the loan by making my payoff 2 years longer than what drunk XXXX agreed to. My original agreement had my pay off date XXXX earlier than what they are now showing on the supposed agreement they have attached to my account on line. So with the consistent solicitations to refinance, unknown changes to the loan terms and my incapacity to make any level headed decisions I believe I am not responsible for the remaining balance and that they recognize they are in violation of consumer law.
Product: Credit card or prepaid card

In XXXX of 2022 I was struggling to make my minimum payment. I contacted them to work something out. They enrolled me in a program that closes my account, no longer charging interest or late fees and they would automatically take $ 33 monthly payments until the balance is cleared. The account disappeared from my app and the {$33.00} payments have been coming out of my checking account for 12 months. I have NEVER received a phone call, mail, or secure message in the app stating there was any issue and since the payments were being taken I assumed there was no issue. 
Fast forward to last week when the account appeared back in my app with a balance of over {$1000.00} higher then when I started on the re-payment program. When I contacted them last week they are stating the the first payment from XXXX of 2022 didnt go through and that un-enrolled me from the program, I never received anything stating this and they continued to take the monthly payment. When I asked if they could work with me to fix it ( either re-enroll me and waive the fees from the last year or give me my payments back ) I have been met with nothing but attitude from customer service representatives and lack of compassion. I asked for a supervisor and they said they would call me back. After not hearing back for a week I called them again. They said a supervisor called me but didnt leave a message. I can provide my cell bill showing no calls were made to me and the representative said Ill have a supervisor call you back but they are going to say the same thing, when I asked why the payments were being taken if I wasnt enrolled in the program she said because you authorized them, I told her I authorized the payments for the sole purpose of being in the program and if I wasnt in the program the payment should not have been taken and I would have know then there was a problem. I have no issues paying what I owe, but now I owe over {$1000.00} more for no reason.
Product: Checking or savings account

I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transaction through PayPal to purchase software in the amount of {$2500.00}. Within a few hours I was alerted that the seller was using counterfeit software and I requested a refund. On XX/XX/XXXX they issued a full refund. It was just hours apart that these transactions happened. According to PayPals help info when this type of charge/refund happens close together they try to cancel them out so it doesn't even happen. Even though PayPal could see that a refund was issued they showed the charge as pending on the XXXX, nothing in my bank on the XXXX, ( I assumed they were cancelling out the whole thing ) yet, on the XXXX they withdrew the money from my account. It is now 5 days since the refund was issued and it is not back in my bank account. My phone says that the refund is completed this morning yet there is no refund in my bank! Nothing pending. On PayPal it says it's completed. They tried to say that they paid for it with their money. Here is what they said - '' But if you see, the payment you sent was funded by your bank XXXX, it takes 3-5 business days for bank ACH transactions to reach us, so PayPal provided you with an Instant Payment option, which means PayPal paid your recipient instantly so they got paid right away, and then we are waiting for the funds from your bank. But while we were waiting, you have got the refund from XXXX. So the refund is now in pending status. Once we get the funds from your bank for the initial payment, then the refund which is now in pending status will automatically gets credited back to your bank. As you said the funds were already cleared from your bank, I request you to allow it some time and you will sure get the funds sooner. I appreciate your understanding and patience. Thank you. '' I believe this is confusing to any consumer as they are saying that I chose instant payment option. I just paid an invoice that was sent to me. The payment showed in my bank almost immediately as pending, why is PayPal using their money when the transaction is coming out of my bank? PayPal is holding my money and using it for days without refunding me properly. It has hindered my ability to use these funds to purchase the correct software for my business. And I believe they are purposely holding it back now because I have complained to them. I have used PayPal in the past and I have received refunds much quicker for small amounts. It seems to me that they are holding larger amounts as long as they can. I believe you should investigate how PayPal is operating with refunds etc... Not just for this complaint, but for all the people who use this service.
Product: Debt collection

XXXX XXXX XXXX XXXX ... XXXX have a car in my possession that's listed as a charge off on my credit since XX/XX/2020, they repoed it once and ended up giving it back once they realized that I was under a payment agreement/deferment and it should of never been repossessed however at that time they required me to pay like XXXX to XXXX payments desperate to keep vehicle I paided the large lump sum requested despite that being amount I really owed ar that time and then they stated account would stay as a charge off, since recovery I called the company several times in 2020 and each time the representatives would state they could not find any account for me via name, ss number or anything. Fast forward a year and half later i just received a phone call from them stating car out for repossession ( despite that car requires a transmission currently which I haven't been able to afford yet ) I explained to rep this was ludicrous to get a phone call out of the blue where I haven't got one form of communication since I regained possession of car nor was I given any information for payments or nothing. I stated I called them numerous times yet they stated they haven't received no calls in the colatorol department, They were very rude and stated car being repossessed and demanded I needed to pay around XXXX on a XXXX balance or try to refinance car ( credit score been took a major hit during XXXX and the complications I had trying to recover from a serious episode XXXX of XXXX  XXXX ) I really don't understand their practice or lack of care, like where can I just pull XXXX our of the air, the vehicle been parked due to transmission costing over XXXX and the economy is/was messed up. I just recently got out hospital again with complications to XXXX, suppose to be resting yet I received this call that made me completely stressed out for I was preparing to get back on track and fix vehicle so I can gain employment and financial stability, my credit has took a major hit. Like this has made me sick to my stomach I have wrote XXXX and XXXX  financial services on XXXX before and again they stated could not locate a account for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5300.00}
Product: Checking or savings account

I complain in XX/XX/year>, XXXX Confirmation No. XXXX, I complained about Wells Fargo, and I send them a package, they said the time was expired, I have a FBI report and XXXX Police number and a FINRA report number, Wells Fargo sent the money to a scammer many times, Claim # XXXX and many claims, I reported it a few as soon as it happed, when I got the statement, Wells Fargo asked me many times, I have complain many times on CFPB, why did they send money to scammers, they should be responsible for sending the money to a scammer, They took XXXX out of my account, and I cut up XXXX credits cards that were scammed, Wells Fargo changed my account because of scammers, why should they be responsible if they send to a scammer address. I send to Wells Fargo XXXX pages of documents that were scammed
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. Transunion is legally required to complete this action within four business days of receiving this complaint. 

XXXX XXXX Opened : XX/XX/year> Account Number : XXXX Balance : {$21000.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Transunion in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never stepped for this dealer that caused these inquiries and they are all fraudulent by the cause of identity theft. These inquiries have been affecting me for months but they are not mine, I would like them to be gone as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian was asked by XXXX to DELETE a XXXX XXXX on my credit report. 
Experian STILL HAS NOT DONE SO. This should be DELETED immediately. 

Please see the below complaints and responses : " As you can see from XXXX 's response in a previous complaint to the CFPB, XXXX ASKED EXPERIAN TO DELETE THE INFORMATION, so for Experian to deny the request goes AGAINST XXXX 's request. Please see below complaint # XXXX and XXXX 's response, which clearly indicates the request to delete the information. XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/year>. For Experian not to follow the request of the reporting company, is UNJUST and should be UNLAWFUL, if it's not already. ''