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

M & T  Bank issued auto loan to  XXXX  yr old working woman for  XXXX   XXXX   XXXX  in  XXXX  from   XXXX      XXXX   in  XXXX  NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in  XXXX  for  2  missed payments due to illness, at a cost of about  XXXX  dollars in repossession fees. Had ca r 2 yrs  and transmission went 2 times but not covered due to milage, about  XXXX  dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying  XXXX  dollars for a  XXXX  dollar car all because  M & T  Bank and  XXXX   XXXX  saw a working class poor person in a vunerable situation.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXXt : authorize inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX  XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry
Product: Debt collection

I have several open debt collections from Commonwealth finance, the most expensive being {$1500.00} and open date is XX/XX/XXXX.. I'm not aware of who this debt collector is.. they haven't reached out and contacted me yet first and to top it off I was XXXX  XX/XX/XXXX so doesn't make sense how they can bill me when I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX.. I was informed that what they did by reporting it to the credit bureau before informing me is illegal and I was informed I can take law action suit against them especially if I can prove I was in XXXX  which is easily accessible on the computer from XXXX county Florida.. I would like all debt by this collector eliminated as soon as  possible so I can move on with improving and fixing my credit..
Product: Credit card

I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.
Product: Credit reporting or other personal consumer reports

This company purchased my debt for original party I had a loan with them during XXXX and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$81.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$81.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line about a year ago and never did I catch that they take XXXX until you pay a full {$500.00} I honestly am not sure how it works but up until 2 months ago I was getting about {$300.00} taken out of every check and now I am being threatened with a lawsuit and I do not understand I have worked with a debt relief program and have XXXX and paid and paid and nothing changed and I have paid {$2000.00} on a {$500.00} loan and I can not do it anymore and for them to threaten to take me to court I dont understand
Product: Credit card or prepaid card

In XXXX this year, I purchased an item on the Internet using my XXXX card. The vendor ( XXXX XXXX billed me for the item I had purchased, and later for XXXX more on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received. I file a dispute with XXXX immediately and was advised to change my CC Number, which I did. The vendor later submitted a self-serving statement that by agreeing to the purchase of the first item, I had signed up for an option-to-buy program after a XXXX trial period. For the record, I neither read nor agreed to a statement like that when I purchased just XXXX item. 
The vendor re-submitted bills for supplies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received and XXXX honored their request. In my judgment, XXXX should not have honored that request because my CC Number had been changed at their suggestion, and I did not receive any other product. By their action or inaction, XXXX has aided the perpetration of a fraud. Why should I pay for products I did not order or receive? This billing has to to removed from my account.
Product: Debt collection

I was told over the phone on XX/XX/2020 that I would receive a deletion letter after I paid the collection account. I received a letter only stating that it was paid. The collection was NOT deleted off of my reports. I disputed it with the bureaus and it is still reporting on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to life the freeze on my credit file with Experian for 5 days ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have been unsuccessful. 

I placed the freeze in XX/XX/XXXX and paid {$10.00} over the phone with my credit card, and was informed I would receive a PIN in the mail to manage the freeze. I never received the PIN. 

Between XX/XX/XXXX and XX/XX/XXXX I attempted to remove the credit freeze online and by phone using the automated system, but these Experian systems failed. 

On XX/XX/XXXX the financial consultant at XXXX XXXX attempted to remove the credit freeze, but received an online message from Experian that this was not possible. 

On XX/XX/XXXX I mailed overnight my request to remove the freeze along with identifying documents. This process takes 10-15 business days. 

On XX/XX/XXXX I called Experian customer service. There is no way to speak with a live person regarding credit freezes, so I called the membership service division. I waited on hold for approximately 45 minutes to speak with a representative who was kind enough to try to remove the freeze, but even he was unsuccessful. There is no other way to remove the freeze except to wait 10-15 business days for my mailed request to be processed or to try to call again tomorrow. 

Despite the car dealership doing their best to accommodate, they are unable to secure a loan for me at the 0.9 % interest rate special offer if the freeze is not lifted before XX/XX/XXXX.
Product: Checking or savings account

Webster Bank allowed double presentment and is refusing to refund the check they allowed to be cashed twice. Check number is XXXX. It was cashed on XX/XX/22 and XX/XX/22 both for the amount of {$75.00} from checking account. Went to bank to tell them they allowed double presentment and they stated they are not responsible and go contact the store that cashed it twice.
Product: Debt collection

Synchrony Bank is emailing me, texting me, calling me every day about past due payment. this is harassment. I have until a certain day to make a payment, but they still aggressively contact me and this has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX XXXX XXXX XXXX XXXX  I CORRESPONDED WITH THIS COMPANY ON XX/XX/23 THEY HAVE NOT VALIDATED OR VERIFIED THIS ACCOUNT OR GIVEN ME ANY REASON TO BELIEVE THEY HAVE THE RIGHT TO BE REPORTING MY INFORMATION I DON'T HAVE A CONTRACT WITH THIS COMPANY OR THE ORIGINAL CREDITOR. 
THEY HAVE NOT SENT ME ANYTHING I MADE A COMPLAINT ALMOST 30 DAYS AGO WHICH THEY HAVE NOT RESPONDED TO EITHER PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR NOT VERIFYING OR VALIDATING THIS ACCOUNT OR RESPONDING WITHIN THE 30-DAY INVESTIGATION PERIOD BY LAW THEY HAVE TO DELETE THIS ACCOUNT FROM ALL 3 BUREAUS WHO ARE THESE PEOPLE I'VE ALSO RESEARCHED SOME CONSUMER LAW AND THE GRAMM LEACH BLILEY ACT ON THE FC WEBSITE THEY ARE IN VIOLATION OF AT LEAST 10 CONSUMER LAWS AND SUBJECT TO PAY XXXX IN FEES TO ME THE CONSUMER. 

I'VE ATTACHED THE COPY OF THE INITIAL DISPUTE SENT ALONG WITH THE TRACKING NUMBER THAT THEY RECEIVED IT OVER 30 PLUS DAYS AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I mailed a certified dispute letter to Sun Loan., on XXXX the received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Product: Credit card

I had applied for the Capital One XXXX credit card on the Capital One website where there was an advertisement for a " {$200.00} sign up bonus when you spend {$500.00} or more within the first 3 months of card opening ''. I clicked the link directly associated with the advertisement. After 3 statement cycles, I am still waiting for the bonus. I called Capital One several times, but the agents always say that I was not eligible for the bonus upon signing up and there is no bonus associated with my account. This is extremely misleading to me as a customer. If I am clicking on a link directly associated with an advertisement, but then am " not eligible for the bonus '' 3 months later, that is deceptive.
Product: Debt collection

Hello. 
I owe XXXX XXXX like {$250.00}. 
Not no {$1600.00}!!
Product: Credit reporting or other personal consumer reports

They didnt send any documents to reassure that all my information were correct but were still claiming that I owe almost XXXX. At the time, the student loans didnt cover all the classes I had took at the time and I was not aware that it was a loan they told me it was like a financial aid, but it put me more in debt than i was already.
Product: Debt collection

I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX  as well as XXXX  to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX ; Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however Experian, XXXX and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Product: Student loan

Checked my loan status in XXXX to prepare for repayment. Submitted my borrower defense application & submitted my SAVE application to prepare. I chose to have my loans put into forbearance while my application was in process. On XX/XX/XXXX & XX/XX/XXXX I received an email notification stating that a forbearance was put in place on my loans. Upon checking i did show that no payment was due. On XX/XX/XXXX, the forbearance had been removed and a payment was still showing due. I sent a message through the online portal for review. On XX/XX/XXXX, I logged into Mohela and my account status still showed a payment due despite receiving a reply from my online message regarding the forbearance which was still not showing on my account. I contacted XXXX on XX/XX/XXXX who stated that they couldn't understand why my forbearance was not applied & they were going to escalate the issue. I contacted them again on XX/XX/XXXX due to no resolve. I also sent another online message which I still have not received a reply from. I contacted Student Aid who did resend the forbearance notification to mohela on XX/XX/XXXX & today my payment is still showing due.
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 XXXXXXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon receiving my credit reports from XXXX XXXX XXXX XXXX on XX/XX/2018, I noticed a negative/derogatory line item from XXXX XXXX XXXX, XXXX in the amount of {$6300.00}. I have sent two certified letters to XXXX XXXX requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. XXXX responded by saying that they verified the account. However, they have not shown proof of my signature. XXXX went on to say ( in their most recent letter ) dated XX/XX/2018, " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
Product: Checking or savings account

I received a text message stating that my stimulus check was loaded on my Netspend card on XX/XX/XXXX. XX/XX/XXXX I tried to pay a bill but it didn't process my request. I have tired calling Netspend over 250 times. A recording came on and asked did try making a request for XXXX dollar to XXXX XXXX if I didn't press 2. How do I resolve the problem if they refuse to answer the phone. I need to get this resolved so I can pay my bill. My name is XXXX XXXX XXXX email address is XXXX. Any help would be appreciated.
Product: Debt collection

Mercedes Benz Financial Services called 3 times on a Public Holiday - XXXX XXXX XXXX XXXX. I complained after the first call but received XXXX more. This is not only calling at an unusual time they knew, or should have known, was inconvenient but it is also harassment. " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is against the FDCPA practices.