23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per XXXX XXXX XXXX XXXX. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.
Product: Money transfer, virtual currency, or money service

Zelle it was a couple of times my money was stolen and Zelle told me it was nothing they could do about it
Product: Vehicle loan or lease

I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX XXXX on XXXX XXXX, XXXX for XXXX} and have made monthly payments of XXXX} since. My balance is at XXXX. After XXXX years of paying {XXXX on a XXXX loan I have only paid less than XXXX} in principle. My payment this month went XXXX XXXX toward interest XXXX after XXXX years of paying ) and my payment last month of XXXX only put XXXX  toward principle. In early XXXX of this year I paid XXXX and asked that it put directly toward principal as it was besides my normal payment, Santanders put XXXX toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the XXXX toward principal and this last payment, none.
Product: Payday loan, title loan, or personal loan

As explained in numerous prior CFPB complaints against Avant, funds from approved loan in amount of {$6800.00} never received, appear to be deposited into incorrect account, which Avant tries to refer as fraudulent. It appears Avant is doing so in order to possibly recover funds via fraud claim for insurance purposes, however, I can not confirm this. Partial payments were made on loan, then ceased due to non-receipt and extortionate interest rate which if paid, would double loan amount in total, do not have terms available to provide exact amount ( s ) ... ..Avant replied to this issue by referring to prior communication made with them, which has nothing to do with non-receipt of funds. The account is now supposedly charged off to XXXX XXXX, in which case, they have not contacted me about account, have not sent me any notice. Previously, I offered to settle account with partial payments made, it appears Avant refuses to accept offer, in which case, no additional payments will be made. I've attempted to contact XXXX XXXX to prove information including non-receipt of funds, there appears to be no number or address for them, possibly internal collections for Avant ... As stated in prior complaints, I have been unable to confirm if account is still reported to credit bureaus, do not have credit file available. If reported, i request Avant remove account, if not, it will fall off after XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -what to write -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. 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 nane #,, XXXX XXXX XXXX XXXX  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 XX/XX/2022 Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

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

On XX/XX/year> XXXX XXXX  ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested by letter for XXXX, TransUnion and XXXX to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from Transunion and XXXX by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case TransUnion has reported 30 payments being missed. While XXXX reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, Trans Union and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Product: Student loan

For the past several months I have had an ongoing issue with Sallie Mae. I dont have specific dates because it is every single month there is a problem with Sallie Mae. First they turned off my auto debit for my payment, I called and was told auto debit was not an option even though I had it for over a year. Called back again and someone said it was an option and wasnt sure why I was told that. Auto debit was turned back on, then Sallie Mae continued to pull my payment from the incorrect bank account after I had called twice to update it, they charged me late fees for an error that they made. Now every month I have to call to set up a payment and sometimes I am told auto debit is on and sometimes I am told I have no auto debit on my account. All payments are up to date, and since XX/XX/2020 I have been fighting with them because they are saying my account is past due when I literally spoke with someone and have emails showing the payment being processed. Every time I call a customer service representative with what seems like has half a brain tells me something different about my account. One told me I owed {$400.00}, another told me {$900.00}, another told me {$700.00} and another told me {$1600.00}. When I asked why that was the balance owed when I made all payments her response was well I didnt really look into it so you mean to tell me youre a rep for a student loan company and you tell someone information about a payment and you dont really look into it? They told me to submit my bank statements showing proof of payment, I did, then they call back a few days later saying they cant find the bank statements I submitted. And then tell me a new balance is owed. How is there a new balance owed every time? And how is there a payment due when Ive made the payments? They offer no solutions, they offer no alternatives, they have no knowledge of anything they are talking about. Every single person I speak to has something different to say about my account but not a single person can offer a helpful solution. This is the absolute worst company I have ever dealt with and I have no idea how they are even operating. The most unprofessional, unknowledgeable company in student loans. They lose my payments, then put them past due, then state my account is current, then say theres late fees. I dont trust this company with any money I have to give them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the Experian credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.
Product: Vehicle loan or lease

I was out on medical leave and had a hard time paying my vehicle loan and explained all this to company and was harrased about repossession
Product: Credit card or prepaid card

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/PPMC XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I had my PayPal account information posted deliberately online by PayPal and had my account hacked I have already reported PayPal to American authorities for breach of privacy laws. Now I have someone supposedly from American authorities trying to get me to pay to get a delivery person stopped by customs supposedly on his way here. I have had it with all the crap I'm getting. I want it sorted out today .... today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.
Product: Credit card

Explanation of Billing Discrepancies in regards to Creditor : Apple Card c/o Goldman Sachs Bank XXXX 

I purchased an Apple laptop with Apple Credit Card with a 12 month payment plan. Per Apple rules, I can only view statements via an Apple Device. As I was nearing the end of the plan, I made 2 payments in XX/XX/year>, to complete the payment plan. At the end of XX/XX/year>, the Apple Statement showed that I had completed the payment plan. However, I was charged again in XXXX. I contacted Apple support and they confirmed that I have completed the payment plan and that I should not have been charged. They informed me to file a dispute with my bank, which I did. The bank reversed the charge. Following this, Goldman Sachs Bank which processes payments for the Apple Card contacted me stating that I had a missed payment. This was a complete shock to me as I has contacted Apple directly regarding the matter. They stated that their records showed that I still needed to make a payment. I explained that Apple informed me that I was up to date and did not need to make further payments. They informed me that Apple systems were incorrect and that I still needed to make a payment. The discrepancy in Apple and Goldman Sachs ' system, creates a bad situation for the customer as they can never be sure who has the correct data as the customer has no insight into Goldman Sachs ' records. I had Goldman Sachs investigate but they still claimed that I owed and reported me to the credit bureaus. After some back and forth and no resolution, I made the payment to bring the account current and filed a dispute with the credit bureaus and this late payment report severely affected my credit score. I am in the process of buying a home and this ding to my credit scores has negatively impacted that process. Supporting documentation will be attached to support the above statements.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My mother 's XXXX account got hacked. The hacker made it seem like it was my mother asking me for money. The hacker impersonating my mother said that they needed to pay {$400.00} to this person and that she would give me the money back. I always help my mother with things like that so I thought it was fine. I sent the money through Chase XXXX to an account and phone number that " my mother/hacker '' gave me. And after the money was sent, they asked for more money, so I did trying to help my mother. i ended up sending {$1400.00}. When my mother gets home I find out that it was a scam. after I got scammed the hacker hacked my XXXX account as well and did the same thing he did to me to all the contacts that I had in my XXXX account. I called the police and made a police report. I called XXXX and I reported the name and number under the account that the money went to. I called my bank Chase to report the incident and they said that they were going to do an investigation. After I made the scam report I sent them pictures of the messages that the hacker was sending to other contacts under my name. and made sure to let them know that I had made a police report and that I reported to XXXX the account. After a couple of days, Chase gave me a credit of the {$1400.00} and said that if they find out that the transactions are correct, they were going to take the money back. 

On XX/XX/XXXX, I received a letter from Chase, saying that the transactions were correct and that they were going to take the money back. Which means that their investigation was useless and are not going to help me retrieve this money after me giving them all the information I could about this incident. I tried my best to make sure and prove that this was not me and that I was scammed by using my mother. I've been a customer of Chase for MANY years and they are choosing to help this scammer keep scamming other people while keeping my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX  Account Number : XXXX Amount : {$3300.00} Account Name : XXXX XXXX  Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Product: Mortgage

My mortgage was sold to Arvest Central Mortgage Company XXXX, AR XXXX. This mortgage company will charge me for every payment I make on line via direct payment a {$5.00} fee. They will not charge this fee if I set up auto payments every month. The issue is every month I like to pay additional principal, and some months more and some months a little less. Well in order to do this I am charged a {$5.00} fee pre transaction? No company that take direct payment on line does this, not the phone company, power company or credit card companies, nor my last mortgage company. They will also wave the fee if I pay by check and use a coupon book. I feel this fee is an overreach of trying to keep me from paying additional principal in the amount I would like, by charging me a fee to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the XXXX XXXX XXXX XXXX has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The XXXX XXXX XXXX XXXX  is also reporting and still saying I owe them this money. Block and remove all accounts from the XXXX XXXX XXXX XXXX which are reporting on my consumer report. XXXX XXXX XXXX XXXX XXXX Acct Ending in # XXXX XXXX XXXX XXXX XXXX  - Accts Ending in # XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i opened a credit account. Both my TransUnion and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Product: Credit card or prepaid card

Bank of America voluntarily closed my credit card ( my longest standing History credit account to date - 13yrs ) just after one mailed correspondence ( in XXXX ) to an address that I was no longer at. I move around the country and have changed my address numerous times but have never changed my email nor phone number, however, they decided not to contact me at either of those channels regarding such a serious topic. BofA gladly emails me all the time offering and soliciting products for sales, yet they do not inform me that they are about to ruin my credit score closing my longest history credit account ( as well, skew my credit utilization due to the reduction of my total credit limit ). After spending 2+ hours on the phone with multiple managers, one of whom deliberately and intentionally hung up on me and transferred me back to the main queue, they said that the 'policy ' went into effect last week that they can no longer re-open a closed account and there can not do anything. BofA effectively has given these managers zero authority to provide actual customer relationship banking services. This is a huge issue for me being a business and financial manager who advises clients on issues such as personal credit. Had I been informed that my account was going to be closed, I would have made a purchase on the account to keep it open. I do not believe that ONE mailed notification is sufficient correspondence regarding such a serious issue. What's more, the only reason I found this out was from a notification from my XXXX XXXX account asking if I closed this account, and when I opened the app it shows a remark saying that BofA noted that the Account [ was ] Closed by consumer. It most definitely NOT closed by me. All I am asking to have the account re-opened which I know they can do as an override as I have been with the bank since 1998. Can we please re-open this account and call it a day, otherwise, I will have lost faith in this banking system and the 'relationships ' that I have been sold. Please find it in your heart to re-open this account because we as US citizens are only judged by 3 numbers ( credit score ) and when I do not have the power to control this number because of a 'voluntary ' close on the institutions part, I am at the mercy and am powerless to control my future of purchasing a house or anything credit-related due to actions out of my control. Thank you