23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX : I have been trying to pay the remainder of my car payment. The payment shins options are to either pay it online on the phone with a debit or credit card or XXXX XXXX or XXXX with applicable account number. I have spoken to two agents on XX/XX/year> in regards to paying the remainder of my payment because apparently they do not accept credit cards online nor over the phone, but it states it clearly on the website. So I tried another method with paying it at XXXX XXXX and the account number that was given is saying that its incorrect with XXXX XXXX. No one is knowledgeable and they do not make it easy to make a car payment and also the website to pay is misleading. So I am paying extra fees just to get this car note pay when I try to pay it on the due date. Also, as far as the predatory text messagesand calls on the due date is very unnecessary when the payment is made monthly. With prestige financial.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX ( the Scam Website ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services
Product: Mortgage

My Mortgage went from {$560.00} to {$700.00}. I was told that it was increased because they escrowed my delinquent taxes. I did not have any delinquent taxes. I was told if I sent a copy of my paid taxes they would refund my money. They only paid the amount due, {$320.00}. I asked if I could simply refund them, which I have. However, I have sent XXXX faxes with a copy of my taxes and asked them to stop the escrow as they said they were escrowing the amounts for next year as well which is why the fee was so high. Plus interest. I have been trying to get in touch with an account manager, who is never in. I leave voice mail messages which are never returned. The first account manager at least talked to me, even if he was lying. But I have had XXXX different managers in the last 6 months and this XXXX is the worst as he never returns my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The unauthorize Inquiries on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EDFINANCIAL Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

i have contacted the credit bureaus and sent police report this company refuse to delete this from my report. Also in the fair credit reporting act 602 A and 604A they are violating my rights. this account was opened in 2018 they are still reporting it as open in order to reduce my credit score every month while i try to have this account removed. and account is suppose to report closed after 180 days. this company refuses to comply with anything in a legal matter.
Product: Credit card

i have been requesting a change to my due date to help with not being charged a late fee. I have made this request since XXXX of this XXXXi have received 5 form letters dated, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXXall of these letters say the same thing, reviewing your requst. i live on my ss which is paid on the XXXXXXXX XXXX. of each month.i live in alabama and my payment goes to cal.the current due date is the XXXX of each month and i requested my due date be changed to the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and still see the accounts that I have been disputing still appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed from my credit report ASAP.
Product: Mortgage

Purchased our home in XXXX. Ultimately foreclosed in XXXX XXXX. The lender was Ocwen. Made several good faith attempts to save our home including working with a real estate agent to short sale the property -- which the offer was declined by the bank and eventually auctioned for an amount significantly lower than the short sale offer. Attempted to negotiate a loan modification, but never able to finalize details -- always seemed to get the run around with them -- long wait times when trying to speak with anyone from the company, being transferred from XXXX unknowing representative to another, unable to reach anybody, etc. Husband withdrew money from his XXXX to save the home. 
Because of the devastation of losing the home, it never occurred to me that there may have been conspiracy or fraudulent dealings with the loss of the home. At the time, we had XXXX small children ( ages XXXX ) to find another home for. At first I thought it was bid-rigging after reading an article about that concept. I reported the incident to the XXXX and they referred me to you. Balance on the home was {$700000.00}. Sold at auction for {$280000.00} on XXXX/XXXX/XXXX purchased by real estate investor. Sold for {$480000.00} on XXXX/XXXX/XXXX. We worked with a real estate agent to short sale to save our credit. The short sale offer to the bank was significantly higher than the auction price -- do n't have that dollar amount off the top of my head. 
Needless to say, lives were destroyed. Caused so much hardship that the marriage was affected and the family is now broken. Hundreds of thousands of dollars in personal loss, credit ruined and just an overall loss of faith in ever owning a home again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a letter stating the XXXX  XXXX that is reporting on my TransUnion report was unverifiable through XXXX. TransUnion has been notified of this and they have failed to remove the XXXX XXXXXXXX from my credit file. It is illegal to report any bankruptcy as the court states they do not share any information with the credit bureaus. They are in violation of Section 605 U.S. Code 1681C-1, Section 604 15 U.S.Code 1681 b, and Section 605 B 15 U.S. Code 1681 C-2. They have violated all of my FRCA rights as a consumer and I would like this removed within 7 days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Product: Debt collection

I received an collection letter from these ... .. in XXXX of this year. The letter never provides an e-mail or fax number for me to respond in writing. The ONLY option I was provided to prove that I have notified them to cease is to pay for certified mail. I am certain this is deliberate because if I send the letter regular mail, they could claim they never received it. Anyway, I immediately called to try and obtain other communication, but was only given them options I stated above. I contacted the BBB on XX/XX/XXXX ; specifying the above. At that time, they were put on notice to no longer contact me. 

XX/XX/XXXX Today, I received another letter of collection from these ... ... AGAIN attempting to collect a debt. This is a direct violation of the FCRA as I have informed them NOT to contact me. 
I will ONLY deal with the original creditor as is my right. 
These ... ... are also the subject of a class action lawsuit filed XX/XX/XXXX. They must be put out of business.
Product: Credit reporting or other personal consumer reports

To remove the following that are fraudulent inquiries : XXXX XXXX SYNCB Amazon ( XXXX ) XXXX Every one of these inquiries are from a couple of years ago already not 2024. They keep reoccurring on my XXXX account as hard inquiries.
Product: Money transfer, virtual currency, or money service

Venmo, a subsidiary of PayPal, has a " Transfer Balance '' screen that tricks users into performing an " Instant '' transfer that charges predatory fees. 

The screen always auto defaults to " Instant Transfer '' which will initiate a predatory fee. 

In my case, I transfered {$520.00} to my bank account from Venmo and was charged a {$9.00} fee. This transaction occured on XX/XX/2022 with Transaction ID XXXX. 

The difference between the free " 1-3 XXXX Days '' transfer and " Instant '' transfer is very subtle, even more so for me because I am XXXX XXXX. One wrong finger swipe within a few milimeteres is the only difference between a free transaction to a very costly one. 

I explained my issue to Venmo support and they were unhelpful and unwilling to refund the fee. I am asking that Venmo transfers not auto default to " Instant '' transfer and the differences are more accesible to XXXX XXXX individuals.
Product: Debt collection

This has been paid and has been verified with the original crediting company.
Product: Debt collection

The company Glass Mountain Capital LLC has been calling me since the end of XXXX. First they called from an out of state number in which I did not answer, but called back only to get a error tone. Then, in order to get me to answer the phone, they started calling from numbers using the area code where I live. I answered only to get someone on the phone asking me to verify my information without stating who they are and what they are calling about. Just stating it is regarding personal business matters. The lady hung up on me quickly once I refused to verify anything since she refused to tell me who she was and what she was calling about. They continue to call but, will not provide me any information unless I verify myself which I will not do if I do not know what the call is regarding. This collection company is not on my credit report which makes me suspicious about the nature of their calls.
Product: Payday loan, title loan, or personal loan

In 2002 I took out a loan with XXXX XXXX XXXX. During that time I paid the loan off I moved a few times. I never received my boat title. 
XXXX XXXX XXXX  in Texas has been sold out to Capital One. I do not know my account information and only have a non-negotiable Texas Certificate Of Title and paper work from where I bought the boat. 
I've been to XXXX  XXXX XXXX  XXXX and it still shows a lien on the boat. I have reached out to Capital One three times and have had no luck. 
I have given them my name, SS #, date of birth and even with that, they have not given me any information. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Credit Inquiries on My Credit Report that I am not familiar with, nor did I authorize. 
XXXX - XX/XX/XXXX, XXXX XXXX Bank ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( FINANCE ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX Bank XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX ( mISCELLANEOUS ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX HOTEL AND TRAVEL XX/XX/XXXX XXXX XXXX XXXX XXXX ( BANK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>. I have been reaching out to the XXXXXXXX XXXX  in regards to a XXXX issues. Ive sent over multiple emails but fell unresponsive. Leaving me and my family forced to move out and throw out over half our furniture and belongings. XXXX XXXX never responded to my emails to get the issue fixed and now almost 2 years later Im getting notice of a past due balance that I feel I shouldnt be responsible for considering they fell deaf to my complains of the XXXX issue. I have documentation/emails that where sent to them but never was answered.
Product: Payday loan, title loan, or personal loan

There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

So I paid money for services wanted to quit services after first payment, then after month was taken money out of account again, ,called again to cancel service, then they actually got two months of service and took out another round of payments,,, I reported them to this agency, then two days later they suspended my account with still nothing done to credit fix,,, I could have paid off two of the creditors what I paid them, ,are you going to let these people pray on people,,,????
Product: Credit card

XXXX XXXX opened a credit account with Synchrony Bank without my authorization. I have tried numerous times to contact Synchrony to close and remove it from my credit, and I have also contacted XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX our reporting a balance for XXXX XXXX XXXX  and I have called XXXX XXXX XXXX  and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from Experian and XXXX
Product: Mortgage

I recently went through a refinance process with Better.com for $ XXXX principal left on my loan, with a cash out of approx $ XXXX. I signed the closing documents on XX/XX/XXXX with the right of rescission period ending on XX/XX/XXXX ( Saturday XXXX XXXX, skipping XXXX. I did decide to cancel, and sent the notice of cancellation documents that Friday via email to my closing agent as well as the mortgage agent, and also uploaded it into the provided space in the Better.com site. I also received confirmation of receipt by the closing agent as well as by another agent that they received my cancellation via email and on their site. 

Since then, it's been two weeks and they have yet to fully process the cancellation. My original loan company is still showing as being fully paid off and I'm unable to make my mortgage payment because of it. 

I've contacted my closing agent every other day or so, as well as have wired the cash out back to the title company. The closing agent said that he had submitted the cancellation that Saturday, and reassured me on Monday that everything was cancelled from their end as well as from the title company. He also stated that the reason everything went through was that because it was a " holiday weekend '' everything had been automated before then. Additionally, since he was out on Friday he couldn't click the button - even though that Friday was part of the rescission period. 

Since then, I keep on receiving automated messages from them about funding the refinance as well as next steps to take with the new loan. When I emailed him about each new email, he kept on reassuring me that everything was fine. 

When it went past the first week of XXXX, I started worrying about my XXXX mortgage payment, and the closing agent again reassured me that it would be fine. He finally told me on XXXX ( 1.5 weeks after I had rescinded ) that currently it was not Better.com 's fault that the cancellation has not completed. 

I'm very frustrated that it has taken over two weeks so far for a cancellation to fully process, as well as the closing agent 's runaround in saying that the reason for everything is because it was a " holiday weekend, '' which they must have known and planned for if they had me close right before.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX, as outlined in the XXXX lawsuit against Equifax. The CFPB found that Equifax engaged in unlawful practices by re-inserting previously deleted items into consumers credit reports without following the required notification and verification procedures. 

Details of the Issue : XXXX. Re-insertion of Deleted Items : Equifax reinserted XXXX XXXX  ACCOUNT into my credit report after they were previously deleted through a successful dispute process. Please see my credit report showing the item was deleted attached. 
XXXX. Failure to Notify Me : Equifax did not notify me within XXXX business days of the re-insertion, as required by FCRA XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). 
XXXX. Failure to Provide Verification : Equifax did not provide proper verification or supporting documentation from the furnisher of the information before re-inserting the item. 
XXXX. Harm Caused : The re-inserted items caused my credit score to drop by [ insert points lost ] points and led to [ denied applications, higher interest rates, etc. ].
Product: Credit reporting or other personal consumer reports

Equifax is reporting 2 inquiries that I did not authorize nor have accounts with- ( XXXX XXXX XXXX XXXX XXXX XXXX. I sent Equifax the necessary documents stating these inquiries are not mine numerous amounts of times and I haven't gotten any results. I was a victim of Equifax breach, and my information was compromise. I feel this fraud account is a result of the breach.
Product: Debt collection

Disclaimer : I do not know the name of the company calling, only that they call from XXXX. They identify I believe as XXXX, but identified themselves to my mother as UHC and claim they are a pre-legal collection agency calling on behalf of XXXX XXXX. 


The loan was taken out in XXXX of XXXX. The company that keeps calling me has not identified themselves, only the representative named XXXX. She identified the company as a pre-legal collections agency. 

This started when the company called my mother ( a reference for the loan ) on XX/XX/XXXX and advised her that I had a debt with XXXX XXXX XXXX XXXX and I should call XXXX extension XXXX because I have attempted to defraud the company and they will take legal actions against me. I then called the company directly and advised them that as far as I know legally, they can not share specific information with my mother and that I was not going to be paying this debt. 

This company proceeded to call me over the last few weeks despite me asking them to do what they needed to do. Today, XX/XX/XXXX, they called me twice back to back. I called them back ( forgetting whose number it was ) and the woman, XXXX, who spoke to me was very defensive when I asked who was calling and why she needed my mailing address. She stated that I've talked to this office before, so I should know. When I explained I did not remember, she said " so you're saying you never spoke to us? '' I repeated, I don't know who you are - I don't remember. '' I then realized who it was and hung up. They then called me again twice more then called my brother 's phone ( also a reference ) and also told him they were calling me regarding a legal matter and I should call back as soon as possible. So I called them back and advised that this was harassment, at which point they responded that they were entitled to call me as many times as they wanted, and divulge information to whoever they wanted, because they are a pre-legal collection agency, so by law they can do that. 

I do not know the name of this company but I have the notes from my mother 's conversation with them, the voicemail recording my brother received, and a record of both missed and answered calls by them. They have not only threatened to but have actually contacted others to share information improperly. They have threatened to take legal action ( sue me, claim I attempted to defraud them ).  They have placed frequent and repetitive calls. They've used threatening language. They've kept calling even after I've told them to do whatever they need to do but to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Product: Money transfer, virtual currency, or money service

The Credit Card Company is HSBC.

1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.

3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.

NOTE : Their Customer Service is terrible as well