23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called Dignifi. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called Dignifi and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from Dignifi and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.
Product: Credit card or prepaid card

I have a XXXX XXXX Visa Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a while, Comenity sent the payments to XXXX XXXX and they were applied to the Visa balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX. When I finally realized that my payments were not being applied to the Visa account, Comenity had {$5200.00} in unapplied payments. I have called them more than a dozen times since XXXX and have sent 4 letters. I am not getting anywhere with this issue. I have a copy of payments that were posted on my bank account and I can show that no corresponding payments were made to the Visa account. Comenity has been so unresponsive. First they tell me to go through XXXX XXXX XXXXXXXX to dispute and then when XXXX XXXX XXXXXXXX disputes they tell XXXX XXXX XXXXXXXX they will not discuss a customers account with a third party. 

Attached you will find payments that have processed to XXXX but not posted to the credit card. And you will also see the credit card payment history for the same dates. As you will see from the recon file, these payments do not appear in the payment history. 

Kindly assist me in getting a refund for this overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX and Experian credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00} and XXXX XXXX XXXX XXXX  XXXX, {$580.00}. The following credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is violating 18 USC section 1342 - fictitious name and address. Equifax received a complaint from me this XX/XX/2023 regarding the fictitious name and address present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Equifax maintains the stance that the name and address in question is current. Equifax does NOT have first-hand knowledge regarding that fictitious name and address. I as the consumer have the first-hand knowledge regarding my true name and address. What's more, the fictitious address Equifax is maintaining on my consumer report as a 'residence ' is actually the street address to a Post Office Box in XXXX XXXXXXXX XXXX Texas . I never lived at a post office box nor would that ever be considered an actual place of residence. I never consented to have that fictitious address on my consumer report and never consented to having a fictitious name on my consumer report, yet Equifax is willfully violating 18 USC section 1342 and 15 USC section 1681s by maintaining the incorrect information on my consumer report.
Product: Debt collection

This company is attempting to collect an amount that is incorrect and that I do not owe.
Product: Credit card or prepaid card

A recurring charge 0f XXXX keeps showing up on my account from a fraudster company " XXXX XXXX ''. I have NEVER ordered anything from them nor have I ever received anything from them. My credit card # has been changed 4 or 5 times this year so as cause much consternation! Citi Visa CostCo card has done nothing about this ongoing fraud other than to give me and the fraudsters my new card Number.
Product: Prepaid card

Between the days XXXX  and XXXX  I was unemployment during the pandemic pui and Bank of America kept freezing my card saying that my card with Frozen because of suspicion of fraud I didn't ask them to freeze it they just did more than one time several times it would take forever for me to get to the front department to get it on Frozen weeks sometimes then they would ask me to be stupid questions and hang up on me then they close my account and sent my money I had left yet in my account back to unemployment and then I couldn't every time I recertified for my unemployment I didn't have any account to send the money to they didn't notify me that they were closing my account and it was several months before finally unemployment put another button on so that I could start certifying again I lost my car cuz I couldn't pay my car payments I got evicted from my house I'm homeless still from that and I don't think it was right if they kept freezing my card for fraud when I when I never asked them to and then they close my account because I was arguing with him on the phone and then I wasn't able to pay my bills or anything cuz I wasn't able to certify or when I did certify I had no bank account for unemployment to send the money to and I didn't get any of those certifications either because of the Bank of America my complaint
Product: Debt collection

I have repeatedly ( 4 times ) informed the caller XXXX XXXX XXXX Cohen & assoc. that there is no outstanding debt to be paid since I settled it with the XXXX company. He has refused to follow up on this information and continues to harass me by telephone as he attempts to commit blatant fraud. This debt was paid in full to XXXX XXXX in XX/XX/23. I confirmed that the account was settled with no remaining outstanding balance owed in XX/XX/23
Product: Checking or savings account

Please see the attached complaint I sent to the CEO of Suntrust Bank ( now Truist ). I have received no response from Truist. I believe sufficient time has passed for a response, consequently I am contacting the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans. 
I also seen 3 inquiries that I have not authorized on my XXXX report. 
1. XXXX XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.
Product: Credit reporting or other personal consumer reports

I want these XXXX new credit check without my consent i want them remove from my credit report my as my credit has a fraud alert on it and i have received no call to confirm my identity XXXX XXXXXXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 reported in to be removed.

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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted.

Late payments ACCOUNTS : Need removed BELOW.

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
XXXX XXXX
Product: Credit card

I contact the company back XXXX XXXX about my financial hardship and they refused to work with me saying they are a bank and they dont offer those type of services when you are going through financial difficulties.
Product: Debt collection

This is the first time that I have received anything from XXXX XXXX XXXX, XXXX. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

XXXX XXXX XXXX, XXXX has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
Product: Credit card

Someone added me as an authorize user I did not authorize it. I have no knowledge of this account. I was also added to the address for the authorized user. Ive contact XXXX, XXXX and XXXX. I dont know anything of the address not a credit card company I was told it was Citibank credit card. XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing. to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights. Please remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I have a PNC Personal Bank Account for a long time under the username : XXXX. Then I recently opened a PNC Business Credit Card under XXXX XXXX XXXX XXXXXXXX XXXX under the username XXXX. 

I filled out and signed a form at PNC Bank at XXXX XXXX XXXX, XXXX, NJ XXXX to basically merge my online account between XXXX and XXXX but that has never been done for over months. I am unable to make any payments to my credit card, neither it is allowing me add PNC Bank Account to make Business Credit Card payment nor any external bank accounts, neither the customer service is doing anything Name : XXXX XXXX was the banker and none are helping me either to merge both the accounts under same platform nor I am able to making payments on time because there system is glitched and it keeps on charging me fees and send out warning letters to close my accounts.
Product: Debt collection

I am XXXX Very Bad, XXXX, is hurting me causing damages to my Credit score, Health, Overall Life in general, where as I am due to relocate this month and can not let them check my credit due to XXXX, dropping my score drastically. It has cause headaches and pain not to mention XXXX, XXXX anguish, knowing my chances are next to none now because of XXXX. I have reached out to them multiple times Certified Mail, and they Ignored My Concerns of the Contract that was signed The Dates Were in facts incorrect which means Billing Error, Fraud and False Statements as well as Misleading Representation, I immediately Reached out to XXXX XXXX XXXX to Current all Certified Mail. XXXX Keep Sending The Same Documentation With Contract Dates and Letters From Vice President XXXX XXXX and XXXX XXXX Stating False Information. This is Clearly a Billing Error as we as Misleading Representation. The Date I, The Consumer entered XXXX making a purchase XX/XX/2021, Which is Not The Same Date on Contract Which States XX/XX/2021 and all other Letters Sent in By XXXX Stating XX/XX/2021, I then Ordered Information On Vehicle From DMV to Find Out XXXX has Committed Forgery by Forging my signature to power of Attorney Dated XX/XX/2021, I, did Not Swear Under Oath and Sign Power of Attorney Paperwork Nor Has XXXX XXXX In Front Of Me Nor Notary Dated XX/XX/2021 Whose Name Appears With Her Signature. XXXX Forged My name on Back of Title Vehicle Signed Again By XXXX XXXX. I, Demand XXXX In Writing to Rebut My Statement of Billing Error 's, Date 's, Forgery, False Statements as well as Misleading Representation, If Not Answered Here Through Third Party CFPB My Statement Stands as Truth.
Product: Checking or savings account

I opened a new checking account on fifth third banks website and I still have not received the {$350.00} promotional bonus advertised for opening a new account. The promotional code XXXX was successfully applied when I opened this account and I have had {$500.00} direct deposited into my account from my job. I have met all requirements for this bonus and yet I am being told by customer service the code was not applied. I did everything required to receive this bonus, please correct this asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2020 I entered into an agreement to buy a vehicle for {$18000.00} at XXXX XXXX XXXX  XXXX. I was shown the price in writing although I was denied a copy of the agreement. After waiting hours, I was taken to the finance office. I was talked through options on terms. I agreed to a 60 month loan. The loan officer then digitally initialed all the paperwork, I did not, and printed off paperwork. The paperwork was then placed in an envelope and sealed before being given to me. When I checked the paperwork ; the price had been changed to {$21000.00}, a {$2600.00} maintenance plan was added, and the terms were increased to 72 months. 
This occurred at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX
Product: Credit card or prepaid card

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.