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

I had a 36 month lease with Volvo Financial for an XXXX. The lease had an option to buy the vehicle at the end of the lease for {$34000.00}. I've been working with the dealer to finalize the paperwork for the purchase and I noticed the amount due was off, it was too high by about {$640.00}. I investigated and found that Volvo Financial failed to credit a payment I made towards the property taxes for the car, so it was adding on the {$640.00} to the back end purchase price. 

I've made numerous calls to Volvo- every day- to get this resolved. Every time I call I get a new agent who tries to help and then they refer it to the accounting department and tell me to wait 3 days for the records to update. I called yesterday and was told that the account was updated. I looked and the amount due for the purchase had not changed ( i.e. it was not reduced by {$640.00} ). I was then told that because my lease had expired on XX/XX/13 I now owe an extra monthly payment because I still have the vehicle. The only reason I still have the vehicle is Volvo has dragged its feet by not updating the purchase price so I can buy the car. I was told the issue would be fixed and someone would call me back. That has not happened.

I need assistance from the CFPB. Volvo has a responsibility to properly allocate payments, update records, and respond to customer inquiries.
Product: Credit reporting or other personal consumer reports

An amount of {$1000.00}, is showing on my credit report. I never have this company or user to establish this accountthe company name is Afirm
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : xxxxx account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated
Product: Credit card

I have business secured line of credit with Wells Fargo and had nothing but trouble with the card since XXXX. The representative assigned to my business loan account did not properly process my request and the APR increased from XXXX percent to XXXX percent. Since XXXX XXXX, I have called over 10 tens to get this issue resolved. I was verbally informed that my APR decreased ; however, I was never provided any paperwork. I called the executive office over 5 times to get paperwork resent. Also, contacted person from the complaint team and he did not respond to my calls in over two months. I called in to make payments and submit address change. I have not received any statement since XXXX XXXX advising me of my business account. Two weeks ago, I was informed that my APR was XXXX percent due to lack of payments. I called in and mailed payments to Wells Fargo. Well Fargo is engaging in predatory credit card practices. The Executive Office has failed to realize that my calls have gone answered and I am not receiving my statement. This is bank error as no representatives will contact me to let me know of my account status change since XXXX XXXX. My credit has been adversely affected and I have a predatory loan rate.
Product: Debt collection

I received an alert from my credit report on XX/XX/XXXX that two accounts amounting in {$860.00} and {$19000.00} were sent to collections. I was then informed that the collections balance opened on XX/XX/XXXX and have received no notice from the collection agency that this debt was open or valid. As is stated in the fair debt collection practices act we as a consumer as supposed to be informed of this debt so that we can dispute within a 30 day window which has not happened in this case. After calling Security Credit Services ( which took multiple voicemails and several calls over the period of 2 hours ) I finally received a letter showing what is consider the debt. It states the original creditor is XXXX which I have never heard of and certainly there is no documentation showing I signed for this much debt with them. I called XXXX immediately and was told that they sold all their debt due to a liquidation and could not provide me any information on any debt or loans in my name. Per the letter received the account opened XX/XX/XXXX and was charged off as a credit loss on XX/XX/XXXX. The account from XXXX was no longer in existence until this company, Security Credit Services state they purchased the account on XX/XX/XXXX. On their letter they are stating that they have 7 years from the date the account is charged to profit or loss which was XX/XX/XXXX. There is no correspondence on this debt on my end, I have no knowledge of this amount between the dates of XX/XX/XXXX until todays date of XX/XX/XXXX. In ten years I have never received notice of this debt the original company XXXX never contacted me or sent any letter stating that I had a debt to pay off. The only notice I have is that I now have to pay a collection agency who can not prove the debt themselves. XXXX contact information is XXXX XXXX XXXX in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ; phone number XXXX ; email XXXX. I was informed the collection is from XX/XX/XXXX and considered a credit loss as of XX/XX/XXXX, if this follows what is considered statue of limitations in Pennsylvania it is no longer owed even if the debt is valid. Four years would be XX/XX/XXXX and we are well past that debt. If you count it from the original date of XX/XX/XXXX we are coming up on 10 years past the original date of debt. After reaching out to the collection agency they informed me that legally they do not need to prove the debt to me or any notice of a judgement as my demands are excessive. I would like this company to be looked into because I can't imagine any of this being legally considering how old the debt is even if it is owed. They can not tell me the original debtor, they have no information and they did not inform within the 30 day window in order to dispute the charges. My address and phone number are public and there is no reason I should have been left in the dark in regards to such a high collections balance. If this account is truly our responsibility it has been handled incredibly poorly and should not be sitting in collections as there was no notification of the debt or any ways to pay in the first place.
Product: Credit reporting or other personal consumer reports

This is my fourteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  XXXX Balance Owed : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information on the XXXX files. I am not disputing if it belongs to me or not. The XXXX  files has a name XXXX XXXX XXXX never belonging to me or my XXXX Under the fair credit act law I want to files deleted and removed from my file
Product: Credit card or prepaid card

I just saw on my credit report that I have an open account with Wells Fargo Credit Card SVCS and I have  never in my life opened any account under Wells Fargo clearly someone is stealing my identity. I already filed a complaint with the credit bureau as well as identity theft org this is unacceptable and I already knew Wells Fargo history with fraud I just never realized I would be a victim to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A Citibank Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Product: Money transfer, virtual currency, or money service

Thursday night I got a text from coinbase ( Your Coinbase verification code is : XXXXDo n't share this code with anyone ; our employees will never ask for the code. ) even-though I wasnt even using my phone, thats when I realized something was wrong. Immediately I noticed my phone service ( XXXX ) was gone ; With 2 different phones i called coinbase and XXXX right. After 30 minutes of waiting I got a rep from coinbase on the line, they said hello and asked for my name and hang up the phone as if they didnt hear me on the other end. At this time my money was still in the account and had the rep done their job they would have been able to block my account before my money was all transferred out. As I called coinbase back I got a hold of a XXXX XXXX on the other phone and they started to look for what had happened with my account. It turned out that a XXXX rep in another state ( Wisconsin ) had activated my line on another SIM card ( sim-swap ) without my permission or any of my identification. After a few long minutes I was able to take control of my phone number again. Once I reached another Coinbase rep with the alternating phone it was already too late as I had already lost a little under {$60000.00} and it had transferred out of my account. By the time that rep helped me secure my account I was able to save the last few crumbs of my account totaling about {$3500.00}. Coinbase hasnt reached out yet and I am still waiting for XXXX to finish their investigation. 
XXXX is at fault for switching my sim without my permission ( possibly an inside job ) Coinbase is at fault for not helping me the first time and hanging up the phone on me in such an emergency situation.
Product: Mortgage

Memorandum of understanding : A response to Ditech 's Action XX/XX/2017 Dear Sir/Madam : In response, " Ditech '' letter stating my modification request is " denied, '' is acknowledged receipt. 
In reflection, I have this to say : Ditech failed to postulate with data what requested document/s that was requested that did not meet their " modification rubric/bench-marks. Also, failing to provide facts on the " Federal H.A.R.P program '' vs that of " the Ditech modification program and also the investor that owns your loan '' policy and premise for " denial '' in its self is predacious.
Product: Debt collection

I, XXXX XXXX XXXX is filing a continuation of my initial complaint on ABSOLUTE RECOVERY SERVICES. ABSOLUTE RECOVERY SERVICES stated they did not release any information to a third party. I have attached a copy of my consumer report as an Exhibit. It clearly reflects ABSOLUTE RECOVERY SERVICES as the furnisher of information. Therefore, ABSOLUTE RECOVERY SERVICES did in fact share information with third party. 
I never had a contract, nor have I ever conducted business with ABSOLUTE RECOVERY SERVICES. I had an agreement with XXXX XXXX. Therefore, at this time Im requesting that ABSOLUTE RECOVERY SERVICES provide me a copy of a Trilateral Contract that bid me and giving your company lawful authority to collect payment. Yes, this happened 2 years ago. Congress makes it very clear there is no statute of limitation on the discovery of fraud. 
ABSOLUTE RECOVERY SERVICES claims to have followed The Fair Debt Collection Practices Act guidelines is this matter is a lie. 
Under the FDCPA, 15 USC 1692c, it states a debt collector shall not communicate with a consumer without the prior consent of the consumer given directly to the debt collector. I never gave ABSOLUTE RECOVERY SERVICE consent to contact me about this alleged debt, which is a violation.

As I stated in the initial complaint, ABSOLUTE RECOVERY SERVICES violated me in accordance with 15 USC 1692d ( 4 ). I was coerced into paying this account with ABSOLUTE RECOVERY SERVICES, not knowing they had no lawful authority to collect payment. 
Its very obvious that the person that responded to my initial complaint doesnt understand nor overstand federal laws and ignorance of the law is no excuse. As it was stated this account will continue to report until the bureaus remove it. Well, theres only one bureau and that's the CFBP. The other three are Consumer Reporting Agencies.

There's nothing under the Fair Credit Reporting Act that requires a creditor or debt collector to report negative information. Negative information should not be furnished to my credit report without lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ). Your company is committing unlawful extortionate means such as furnishing nonpublic personal information, which carry a fine under this title or imprisoned not more than 20 years or both, 18 USC 894.

I have shown you the laws that protect me as a consumer and you have been put on notice through this government site. In accordance with 15 USC 1692c ( c ), you are hereby to cease the illegal reporting of this account with all third party that it was shared with immediately. If this matter cant be resolved outside of court, then if you continue to report this negative information, I will be filing a claim in federal court for damages and enforcing those 20 years, along with 18 USC 1028a for aggravated identity theft.
Product: Credit card

Several months ago I went to check the rewards points on my PNC credit card, which I have had for a couple of years, and realized I did not have any points. I called the service line to find out more about why I could n't find my rewards points on line and they said that I had opted out of the rewards program. I told them that is was not correct. I did not opt ouf of the rewards program and did n't know why anyone would. They said they 'd look into the issue. A few weeks later I received a letter in the mail telling me that becuase I did not notify them within 60 days of the opt out they could not credit me back all of my points, but as a " courtesy '' they would reward me my points for the last 60 days. I knew that I had not purposely outed out of their rewards program and so I called their service line, again, and asked to speak with a manager this time. He looked into the case and told me that when they ended their rewards program for the debit card, Their system must have also unenrolled my credit card from the rewards program becuse the two were linked and the debit card was the primary card for the rewards program. No where in the literature that I received about the debit card rewards program ending did it say that I needed to take action to ensure that my credit card would continue earning rewards points. As a result of them opting me out of rewards completely, I had not been earning rewards points for a year and a half. The manager calculated that I had spent over {$31000.00} on the card during that time and that they owed me over XXXX points. I 'm not a person who keeps very close track of my credit card points or choses a card solely for the points, but this felt like a lot of points to simply forfeit. He said he would submit the request for these points to be credited to my account but could n't ensure that it would be approved. Of course, it was not approved ( this was in XXXX of this year ) and the points have never been credited. I 'm to the point now that I am simply going to cancel the card. However, I wanted to submit this complaint because I 'm certain I 'm not the only consumer to which this has occured. It appears to me that a techical mistake on the part ( unenrolling the debit card and credit card at the same time ) of PNC is causing card holders to unknowingly miss out on their credit card points. Having workd in the XXXX for the last 7 years, this feel like an injustice that needs to be brough to light. The reference # of my case is XXXX.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written Instructions. 

15 USC 1666B : A creditor may not trash a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX  XX/XX/2023
Product: Debt collection

On XX/XX/XXXX KIMBALL TIREY STJOHN started reporting to XXXX  that I owed them a debt in the amount of XXXX on the behalf of XXXX XXXX. Because of this a court order was issued garnishing my wages to pay the debt.. On XXXX XXXX the XXXX XXXX Superior Court sent a notice to myself and KIMBALL TIREY STJOHN stating that earnings withholding order had been terminated because the judgement had been PAID IN FULL. KIMBALL TIREY STJOHN is still reporting a balance owed of {$160.00}, as of XX/XX/XXXX, although the court order from the XXXX XXXX Superior court states  that the debt as been paid in full due to wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.
Product: Debt collection

Received phone calls from Braufman. Leighman and associates They said I owed a debt from XXXX XXXX XXXX Account from 2014 in the amountvof {$2800.00} They said I would be served papers at my job They had me sign XXXX and pay a lower amount to take care of this
Product: Credit card

The Indigo Card through the Concora Credit company issued a {$700.00} limit credit card which required a {$170.00} annual fee that was applied to the card upon activation. I was able to use the card for 4 transactions which occurred through XXXX retailers XXXX XXXX XXXX XXXX ). This totaled to about {$180.00}. When I went to use the card again, it was declined. I logged into the account and my available balance was {$0.00} when it should have been roughly {$340.00}. When I called the customer service rep said that it was closed due to suspected fraudulent charges. I confirmed that all of the charges were mine. They offered no options for resolution, refused to open the account back up after I confirmed the charges, and I asked to speak to a supervisor. I told the supervisor the exact situation, she repeated the same rhetoric back to me about fraudulent charges, of which i reconfirmed there were none. I told her that if she could not explain to me which charges were considered fraudulent and that if she could not reopen the account after my confirmation, that I was not willing to pay the annual fee because I was not able to use the card. I have only had this card for 2 months. 

It is my belief that this is a scam. That I was given the card to then pay the fee and once the card was used, the card closed and now I am stuck with an annual fee due for a card I can not use closed for reasons unexplained. My account, however can still be logged into and payments made, and nowhere on the online portal does it say the account is closed. It is only when I call that it states that, which is high suspicious.
Product: Money transfer, virtual currency, or money service

On my XXXX birthday ( XX/XX/XXXX ) I went to check my account and I was completely logged out of my cash app account. When I tried to recover my account with my email and cash app tag $ XXXX I was told my account and tag did not exist. I talked with the customer service department and they told me that they couldnt pull up my account with my hard earned money for security purposes. I then asked to speak to a supervisor and they echoed the same words. I then called the customer service department over the phone and gave her my information and she said there wasnt anything the company could do for me and that I should continue to use my new cash app. I then filed a police report and they said they would expedite my case to the fraud department. I also went to use my card and insert my pin and the pin no longer worked. My information was changed, my account was compromised and more than XXXX was stolen and no one has any answers in the customer service department.
Product: Checking or savings account

ON XX/XX/2022 AT XXXXXXXX XXXX. AN INVALID PASSCODE WAS GENERATED TO MY CHECKING ACCOUNT NOT INITIATED BY ME. I AM CONCERNED ABOUT THE SECURITY OF MY ACCOUNT, ENDING XXXX. 
THE CIT BANK A DIVISION OF FITST-CITIZENS BANK : XXXX XXXX. 

I called many times and was disconnected each time. Have sent message, no response yet. 

MAILING ADDRESS : CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX