23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I purchased a bed from XXXX XXXX & it was finances with XXXX XXXX. The bed did not work out & was returned on XX/XX/2018, and I was told that the loan would be cancelled and my money returned. I called the bank on XX/XX/2018 and was informed a check would be sent out in 5 to7 days. The check did not show up in that time frame, so I called the bank again on XX/XX/2018 and was told that I should receive my check by XX/XX/2018. As of XX/XX/2018 no check. I called the bank on XX/XX/2018 & was told they had record of my previous call but no record of me requesting a refund check. Again I was told they would expedite my check & I should see it in 7 to 10 days.
Product: Debt collection

I have contacted this company several times in an effort to validate an account. I have requested that the company send me a contract with my signature binding me to the debt that they are claiming that I owe. However, the company have failed to validate the account. Other than me going up to the company in order to resolve other accounts, I would have never known I had this unverifiable account with the company. The company failed to contact me in regard to this account. In my opinion I think the company hold on to aged account in an effort to collect a higher return from interest. After researching this company, I have seen were the company overall profit has substantially increased in no time. I dont think it is fair that this company failed to communicate with me in regard to this debt, and I feel that the company is violating my consumer rights by trying to force me to own up to a debt that they have not fully validated. After I found out about this debt I requested the representative at the office to print out any copies of any documentation of any correspond that was supposedly sent to me and her response was she cant. I got the entire conversation of the representative unethical practice at this office. I feel that the company need to hire more people in the upper level other than the XXXX. Seem like this is the only person that you have to deal with because no one is in the upper level position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/XXXX, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : Experian is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXXankruptcy : Bankruptcy Reference Number XXXX.
Product: Checking or savings account

Security review closed the account from XX/XX/XXXX until XX/XX/XXXX from this time {$150.00} in fees have posted on the account while the account account was never able to be used. Upon calling the company several years ago when they initially close the account a representative told me that these fees would be reinstated since the account was unusable, I would have to just wait until the security review was complete. On XX/XX/XXXX a deposit had been made for the amount of {$1200.00} and {$220.00}. Upon confirmation with the unemployment office, these funds were due to be disbursed to XXXX XXXX with a 1099 form confirming this. I have to pay taxes on funds that I have never had any access to and PNC Bank lied to me and told me that these funds have been returned to the unemployment office on the XXXX of XX/XX/XXXX. Upon filing a complaint with the CFPB this year, PNC responded and stated that they have actually retained these funds and did not actually send them to the unemployment office. The unemployment office has notified me several times if the account has been closed, those funds should have been sent via check and if they were sent back to, as PNC had initially stated, those funds would have been rerouted immediately due to the nature of the funds. PNC Bank has retained funds and has not explained what they plan to do with them If the unemployment agency does not reach out and ask for these funds back. These funds should have been rerouted to the unemployment agency if they were due to be paid out to another individual. Any other deposit that did not have anything to do with the security review, should have been paid as stated. The amount of {$1400.00} was due to be paid out to me with a 1099 confirming this. PNC Bank should also return the funds that were made on the account for the monthly fees totaling {$150.00} for 30 months. I was able to receive a {$600.00} stimulus payment after the account had closed and should have been able to access the {$1400.00} as well. Had I not received the 1099 in the mail this year, I wouldnt have even known those funds were there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with TransUnion & XXXX, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and TransUnion has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is misspelled Credit that is not mine is attached to names like mine but its not me, I am I XXXX stated on birth records Old addresses listed not mine
Product: Money transfers

I have an issue with a transfer that was completed when I left the Ace Cash Express on XXXX/XXXX/2016. The receiver stated that the money was not available when promised and today after checking the money gram website it no longer exist. I did not cancel the transfer nor did I receive a refund.
Product: Credit card

I had a balance of XXXX on my Chase Southwest Card. I paid, on time, XXXX ( one penny over the amount due ) but was still charged XXXX in interest. I called the company and asked for the fee to be removed. The first person said I was correct but she needed to get her manager. Her manager said that he couldn't remove the charges but they would mail a written response within a week. Nothing ever came. I would like a refund and am concerned that they are charging other unsuspecting people too. I sent my bill to congresswoman XXXX and her staff told me to contact you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Bayview solutions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ceo XXXX XXXX hired XXXX XXXX to collect a debit i was never made awsre of he called our home and wanted to know when we were going to be home do he could service of papers filed in XXXX XXXX nv he also called my working telli g the service are to tell me i was getting sued and they better have my self and my boss there to serve me with legal papers he ssid he was doing this in nv i have not lived in nv since XXXX now im in trouble at my work for this spoke with XXXX XXXX from bayview he told me i owed XXXX i told him i have never gotten any thing in mail or calls until today XXXX/XXXX/XXXX i ask him if this was to old to collect on he said no there was a payment made on XXXX/XXXX/XXXX i didnt make a payment that was the sameday also the debit was sold i ask him to show me proof of a payment he told me no and from that date the sol stared over he also said there was a payment made in XXXX where he said we lived in XXXX nv once again there was no payment made i ask him for proof through a check number or a credit card acct number and he told me know the only time i have ever heard about this is when they called threating me and my job on XXXX/XXXX/XXXX i dont feel it is correct to threating me at work or my husband with serving legal papers and getting me fired XXXX XXXX was made aware of the treatment we recieved from XXXX XXXX i belive they have falsiefid the payments they said that were never made to rest the time of the debit they were ask to give me the origal contract and have not recieved ir also they were ask to show all documents per the fair debit act with to this date they have not if i owe debit it should be handled in a fair non threating leagal way not by bullying me also i would like to make sure my name and informatiob was not XXXX of the XXXX 's name that XXXX XXXX company put on a pyblic web site per the case involving them getting fined by the us goverment
Product: Debt collection

On XX/XX/2020 I went to XXXX XXXX XXXX store located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX and purchase {$7000.00} more or less on furniture. 
Price agreed 111 a month 5 years, 10 percent interest rate on the whole amount which was {$7000.00} so 10 % on {$7000.00} was around 700, so {$7700.00} in 5 years around 130 dlls a month, but I canceled one piece of furniture so it went down to 111 a month. 
We signed and things were delivered. 
The messed up my floor and walls, and couldn't take dresser up so they left it in the middle of my kitchen ( complained to XXXX  and the came back 4 weeks later ) Then I got my first bill for XXXX plus late fee of XXXX I paid XXXX, called complained to synchrony bank, then XXXX 's, NOBODY GAVE A XXXX then a sup from synchrony told me, " go to the store, and tell XXXX 's to send us a letter saying XXXX a month instead of XXXX plus monthly interest, So I did that, went to XXXX 's, talked complained, they said yeah it was XXXX a month not XXXX, I showed him the app charging me XXXX he said he would send info. 
2 months later, the apps says I owe them XXXX plus dollars for fees and 2 owed payments. 
I called again. 
Nobody can help. 
Please help me
Product: Mortgage

Beginning XX/XX/2019 a fraudulent address was brought to my attention by XXXX. I followed the XXXX recommendations. In XX/XX/2019 I called my mortage company, Ditech Financial, LLC about my XXXX monthly billing statement. Ditech sent my billing statement to the fraudulent address. Ditech customer service received a power of attorney paperwork for a change of address without verifying the address which I informed Ditech was fraudulent. Ditech informed me that the only way to get a new account number was to refinance with Ditech. WHY WOULD I REFINANCE WITH DITECH WHEN THEY GAVE OUT PERSONAL INFORMATION WITHOUT MY PRIOR APPROVAL.
Product: Payday loan

debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Dispute Regarding XXXX  XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my XXXX  XXXX account ( Account # XXXX ) on my credit report. I believe the reporting of these late payments is inaccurate and that this account should no longer appear on my credit report. 

Details of the Dispute : Account Age and Reporting Limitations : This account was opened on 08/15/2015 and is now over ten ( 10 ) years old. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 5 ), negative information, including late payments, should not be reported on a credit report after seven ( 7 ) years from the date of delinquency. Since this account exceeds the allowable reporting period, it must be removed from my credit report immediately.

Inaccurate Reporting of Late Payments : The reported late payments on this account are erroneous and damaging to my credit profile. I am requesting that XXXX XXXX verify the accuracy of these reports. If they are unable to substantiate the late payments with proper documentation, they should be removed as required by law. 

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

I need clarification into how XXXX is coming up with this XXXX XXXX XXXX account that is verified as Accurate. I recently submitted a dispute directly with XXXX and on XX/XX/XXXX I received the results.The results state that the date of first Delinquency is being reported correctly and as a date of XXXX. ( see attached dispute results ), but if you look at my equifax CCR it shows different information on my timeline ( see attached timeline screenshot.Equifax is reporting on my payment history A 90 day late in XX/XX/ and a XXXX late in XX/XX/, so how is that equifax is saying the that the date of first delinquency is accurate and Verified as accurate. It can't be correct
Product: Mortgage

I had a loan Chase, and decided last year ( 2016 ) to refinance my loan to take advantage of historically low rates and lower my payments. During that process, which was so bad Chase gave me a credit, they made a mistake an under funded my escrow account by over 50 %. I was not made aware of this issue, until Chase sent me a letter saying I owed them over {$4000.00} to cover the shortage. 

I spoke to Chase and they admitted that this was indeed their mistake, but it was still my responsibility to cover the escrow shortage of over {$4000.00}. While it is 100 % their mistake and they admitted to it, they refused to attempt to make it right in any way and are still forcing me to pay this shortage. 

This was a mistake that they made at closing, they admit they had all the information, they admit they underfunded the escrow account - but they refuse to make it right. I am now forced to pay over {$4000.00}. They are making well over {$100000.00} in servicing this loan, and now I 'm forced to cover their incompetence?
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Product: Credit reporting or other personal consumer reports

FCRA Viloations Not mine Not my auto loan XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law
Product: Debt collection

I do not owe this debt. I am a victim of Identity Theft as a result of XXXX XXXX XXXX. Please remove this debt from my Credit Report with all 3 Credit Bureau Agencies, immediately.
Product: Credit card

American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.
Product: Debt collection

Dear Sir or Madam, I am writing to file a formal complaint regarding the handling of my outstanding credit card balance. Despite my attempts to resolve this issue, I am facing significant challenges due to the failure to arbitrate my case and a lack of communication from the legal representatives assigned to my account. 

My case has been sent to XXXX, XXXX, XXXX XXXX XXXX XXXX for collection, yet despite multiple attempts to reach them for a resolution, I have not received any meaningful responses. I am concerned about their reputation based on the information available publicly, which adds to my unease about the handling of my case. 

Additionally, I was served an outdated summons on XX/XX/XXXX, for a case that was originally filed on XX/XX/XXXX. This delay and lack of clarity on such an important matter has only further complicated the situation. I have made several attempts to resolve this directly with Bank of America but have consistently been referred to XXXX, XXXX, XXXX XXXX XXXX XXXX without any resolution to the outstanding balance. 

I respectfully request your urgent assistance in addressing this matter. It is my belief that further delay or lack of resolution may result in undue hardship for me. I would appreciate it if you could provide me with guidance on how to proceed and ensure that my account is managed appropriately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Prepaid card

On Monday XX/XX/2023 my cash 20+. I tried to purchase a pizza from XXXX twice I tried the transaction. One for {$10.00} and {$7.00}. However my CashApp was locked so the transactions were Declined/ Cancelled. BUT MONIES WERE REMOVED FROM MY ACCOUNT AND NOT PLACED BACK. AS I MADE THE TRANSACTIONS I WATCH MY MONIES LEAVE MY ACCOUNT AND LOWERED MY BALANCE WITH FROM THESE DECLINED/CANCELLED ... MY MONES WERE NOT RETURNED THESE DECLINED AND CANCELLED TRANSACTION. I WAS LEFT XXXX XXXX+ I Purchased FOOD FOR XXXX XXXX+ MY MONEY NOW WAS AT {$1.00} AND THE TWO CHARGES FROM XXXX XXXX WERE NOT PLACED BACK. {$10.00} AND {$7.00} CASH APP SAID THE MONEY WERE NOT TAKEN BUT I WAS I SAW MY BALANCE PRIOR TO CHARGING THE ORDER BUT DIDNT UNLOCK THE ACCOUNT WHEN I WENT TO UNLOCK IT THE BALANCE WAS LOWERED FROM THIS TRANSACTION AND MY MONEY HAS YET BEEN PLACED BACK