23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX, I was reached by individuals, acting on behalf of and/or through the Internet platform XXXX. The individuals contacted me, explained to me, and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advice for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they were completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the XXXX and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX 
After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive XXXX, I lost USD XXXX ( US Dollars XXXX  XXXX XXXX XXXX and XXXX and XXXX Cts. ) paid in a series of transactions within a short period of time in cryptocurrency. All transactions were initiated through my account with BANK OF AMERICA. BANK OF AMERICA never warned me about the potential risks associated with those payments. I have tried to resolve the issue with BANK OF AMERICA. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of the date of this complaint, the bank failed to provide me with a feasible compensation offer.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it is obligatory to eliminate any inaccurate accounts from my credit report. Can you please verify the documents? Certain accounts listed are incorrect, and it's causing me distress.
Product: Vehicle loan or lease

I traded in a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX I made a payment arrangement with Ally Financial to take care of the {$410.00} lease termination fee. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have paperwork reflecting payments were taken from my bank account and that there is an agreement in place. During this time I continued to receive calls while the payment plan was in place and money was taken out of my account. Due to AlIy 's negligence mine and my wife 's credit reports have suffered for what I agreed to pay and did pay.
Product: Credit card

We have had a CareCredit Account through Synchrony Bank for almost a year and we make monthly payments on time through our XXXX XXXX  Account ( My bank account ). This account recently had some unauthorized charges and we blocked all charges on that account until we could get a new card. Apparently CareCredit had attempted to make a withdraw from that XXXX account and it was unable to process. So in good faither we contacted XXXX and informed them that the we needed to make a payment and we made a {$200.00} payment in XXXX on the Care Credit account. Synchrony then made and applied a previously scheduled payment in the amount of {$81.00} payment four days later and this payment did not go through XXXX. We had requested that this {$81.00} amount to be cancelled since we had already made the {$200.00} payment four days prior. We have no intention of not paying this account and we use this for medicine for our family. Apparently Synchrony is claiming that we have made two insufficient payments and that is absolutely not true if they were we made them correct within days of our knowledge of them.

We attempted to make this correct and was told that we no longer had an account on their system we also set a payment to pull in the amount of {$150.00} on the XXXX of XXXX we were told that our account was blocked and we could not make payments to it or charges. We had no idea that this account was closed until we went to use it and we were informed that the account had been closed for several days. Please let us know if we are in the wrong or if there is anything we can do to reopen this account.
Product: Debt collection

I am receiving medical collection debt calls from a 3rd party company called MCOT, Inc who states I owe a balance to a client by the name of XXXX XXXX XXXX yet their client is unable to provide a written documented time stamped audit trail showing that I actually owe them anything or that they every tried to notify me in writing that I owed a debt yet MCOT still calls threatening to ruin my credit if I do not pay up the amount they say I owe their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system.

Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now?

I was using the " free credit reports '' website referred by FTC.com
Product: Money transfer, virtual currency, or money service

I have used Robinhood to buy and sell XXXX for a long time. I went to withdraw yesterday and received an error that I needed additional verification. I had to upload a copy of my drivers license, debit card, and bank statement. Even after that, they say that the money will be held from 2 days to 60 days until the review the information I uploaded. I have transferred XXXX  of dollars over the year, and they claim withdrawals are instant. I have withdrawn in the past to the same 2 debits cards I use to deposit funds. They have a process where when you link a debit card to your account, you have to log into your bank account and find the code attached to a temporary withdrawal, and then enter that code in Robinhood to verify that you have access to that bank account and debit card. The amount is {$810.00}. Card ending in XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I was in a life threatening car accident and found out I had XXXX XXXX XXXXXXXX. I was told it grew over XXXX and during that time I was XXXX  XXXX. During that time my credit card was maliciously used and paid fraudulently. Because of this I have now a negative rating and unable to get help from the credit card company. XXXX XXXX will give a letter on how I was under a life or death situation. Upon risking life threatening XXXX XXXX and XXXX I am now trying to get my life together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my XXXX  credit and need them remove please. Have send the banks and XXXX  fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} Comenity Bank ( Not my accounts ) XXXX  Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}
Product: Debt collection

Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.
Product: Credit reporting or other personal consumer reports

My identity has been stolen you are herby on notice 15 US 1681C-2- block of information resulting from identity theft. 

Except as otherwise provided in this section. a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft no later then 4 business days after the date of receipt by such agency. 


An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law. 

You are in violation with these laws stated below Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 USC 1651B permissible purpose of consumer report.

15 USC 1681 Fair Credit Reporting Act Accuracy And Fairness of the credit reports
Product: Checking or savings account

CIT Bank Contacted bank about higher interest rates published, but my account receiving a lower rate, asked bank to extend the higher rate, they said you must open a new account, even thought the existing acct was identical in structure, terms, fess etc to the new account. Instead i asked to close my account and transfer all funds to the external account on file. CIT claimed it would take over 1 week before they could close account and transfer funds. 4 days later they asked for the external account routing and acct numbers, which they already had, or they would send a paper check. CIT is very underhanded and difficult to work with, easy as 1,2,3 to set up an account very challenging to close an account and get your funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
Product: Credit card or prepaid card

I opened a Chase Business Ink account on XX/XX/2022. I received a promotional offer that stated I would receive XXXX bonus points if I charged {$15000.00} or more to the account within 3 months. 

Chase has done everything in its power to prevent me from participating in the promotion by placing random security freezes on my account. Additionally, I am not alerted of these freezes unless I call the number on the back of the card. There is no text or email alert that gives me the opportunity to confirm that the purchase is legitimate. Instead, Chase simply blocks my card for days at a time. When I call in to get it unblocked, I am told the department is 'closed '. 

This is a business credit card and not being able to use it affects my company is a negative manner. For instance, today is XXXX XXXX on XXXX and I have no access to use my card. I was told that the customer care team at Chase can not help because the fraud prevention department is closed.
Product: Student loan

I apply for the first loan and I see they did it for the second loan I didnt apply it or Approved.
Product: Student loan

The company was called Premier Student Loan Center. Website : XXXX XXXX XXXX  Account ManageXXXX XXXX XXXX XXXX XXXX XXXX was told that if I paid {$230.00} for 5 months towards my student loans then my payments would be lowered to {$10.00} a month for 7 years and that my half of my loan would be forgiven. However, I received an email that said my actual loan payment would be {$0.00}. I decided to look into it and it was at that point the account manager told me that it was a service fee for the company. Then my wife looked up the company and saw on some student loan forms that this company scammed people into giving them money for a service that I could have done myself. We called up the account manager to cancel the service and she told us that the {$230.00} I had paid in XXXX XXXX and XXXX XXXX could not be reimbursed. It was then I was told it was a service fee and not paying towards my loan. When my wife asked her if this was a scam she ( account manager ) said " Yeah ''. We have cancelled this service on the phone and through an email and asked for an invoice for the two {$230.00} " service fee '' but have yet to receive anything. We are cancelling the credit card that was given to this company. DO NOT USE Premier Student Loan Center. They are misleading and scamming money out of people!!!!!
Product: Debt collection

To Whom It May Concern his is XXXX XXXX, I'm writing because I would like to restart my account. Covid came and everything went wrong. The company is over charging me for this bill its {$400.00}. Not {$800.00}. I will contact them for a reinstatement offer.
Product: Debt collection

XXXX An XXXX to XXXX XXXX returned unpaid by my bank. 

I received a letter from XXXX recovery about the debt and the amount to cover. My XXXX account was blocked. I made the payment in the amount of XXXX from an alternate account. 

As of XX/XX/XXXX XXXX is refusing to communicate with XXXX to make it known Ive paid my outstanding debt in full on XX/XX/XXXX. 

XXXX emailed me on XX/XX/XXXX at XXXX am stating XXXX is not communicating with them that the debt is paid. 

XXXX is refusing to work with me and is directing me to XXXX. XXXX is directing me Back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was XXXX from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions occurred on my account and I was not giving refunds or any help whatsoever with their customer service also I was denied the ability to deposit cash money into my account and in the end my accounts were canceled when I started inquiring about these incidents.
Product: Credit card or prepaid card

Hard inquiry done twice on same day for same purpose with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom to may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand ti see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hut my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my TransUnion Credit Report immediately. 

XXXX. XXXXXXXX XXXX XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used ti determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

The amount of interest due does not take into consideration the principal amount that was paid during that month. When payments are made during the month towards principal, the interest due should be applied as a portion to the actual interest and remaining to the principal. I have had XXXX with XXXX XXXX and they follow this practice. Here Citizens Bank is taking advantage of the customer and making a profit from illegal practice. 
Payment due amount is calculated based on the outstanding amount. But outstanding amounts vary throughout the month due to the incremental number of payments made towards the principal. 
In the XXXX statement issued on XXXX, Principal balance - {$200000.00} Minimum amount due - {$1300.00} Payment due date XX/XX/2023 Total payments made between XX/XX/XXXX and XX/XX/XXXX - {$78000.00} Total advance - {$17000.00} When Citizens applied the interest of {$1300.00}, the outstanding amount in the account had substantially reduced by amount of {$61000.00}. This is almost a 30 % reduction. But Citizens applied the full amount to the interest without splitting between interest due and principal. 
To be clear, interest {$1300.00} can not be considered as the right amount ( due to the payments ). In this case, the interest should be calculated while applying the payment and the remaining amount should be applied to the outstanding principal. Again, XXXX XXXX and other banks do follow this practice and Citizens is ignoring this component of calculation thus taking advantage of the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

Identify theft. Fraudulent account. Never agreed or opened a loan or had knowledge of said loan that was opened in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else which is just ridiculous! The unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit ReportingAct, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MrCooper sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion 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 and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. XXXX XXXX. 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation