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

This is a follow up on a previous complaint ( see below ). They only responded through this complaint and stated that they consider the issue resolved. I never would have agreed to 50 % in finance charges. I believe we were mislead by both the Home Fix company and then the lender. The signature on the contract they provided IS NOT MINE. It is in the same writing as other areas of the form and I NEVER sign documents like that because I do not go by my first name. I believe that we were mislead and taken advantage of. We can not afford these payments. If I have {$10000.00} extra dollars, I would have just bought the windows. This contract makes no sense to me and refers to finance charges in Florida authorized by Chapter 516. Does not mention finance changes in Virginia. 

I can not afford these payments and I did not sign this contract that lays out the terms. It is not my signature.
Product: Checking or savings account

Hi. On XXXX i went to my local citizens bank at XXXX XXXX XXXX in XXXX new york between the hours 1-3. I deposited between $ XXXX in cash It took 4 transactions to deposit it all completely. On the last transaction it showed the amount that was deposited. Everything seemed fine then within seconds of showing me the total deposit. The atm says invalid account then as its proceeding to give me my money back it never gives me back any money and says machine error please talk to your financial institution. So i go into the bank Explain what just happened. The tellers tells me i have to make a claim with the claims department. Leaving pretty upset. I make a claim that day XX/XX/XXXX XXXX i wait about a week and call the bank to ask my claim status. The bank says you have two claims on file Sir. I replied there should only be one claim. He says well you have 2 one for {$1100.00} and one for {$1700.00}. I tell him the one for {$1100.00} is wrong. i never made that claim. So he proceed to get rid of the {$1100.00} claim, but the claim number i origanally was given was for the {$1100.00} claim that i never made. So i asked for the claim number to the {$1700.00} claim. The bank operator gave me the correct claim number. 
3 weeks after my last phone call with the bank i got my claim letter in the mail dated XXXX. Saying the bank records indicate there was no machine error and as a result citizens bank will not be credit your account in the amount {$1700.00}. So ive proceeded numerous times since receiving the letter to talk to the claims department Ive been told everytime that someone from claim will contact me in 2 business days. Its been numerous days since my last call to them and i still have not heard from the claim department and i also asked for all documents they have to come to there conclusion. ive heard nothing from them and today is XXXX. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( XXXX XXXX XXXX XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file.

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report.

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information.

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

As far as i can remember the 2 accounts listed on my credit report are very old, more than 10 years ago or more from the date it was reported delinquent. ( A ) CKs Prime Investments, L. is trying to collect - {$600.00}, ( B ) XXXX XXXX XXXX. is trying to collect {$480.00}, and I don't even remember the original company 's name and the amount that I actually owed them, and it could have been paid for when I filed for bankruptcy 10-15 years ago. According to Federal law after 7-1/2 years, such reports should have come off on someones credit report. 
Information was taken from XXXX XXXX
Product: Money transfer, virtual currency, or money service

my phone was cloned. transactions were made through the XXXX. i contacted the bank once the transactions were pending, the bank did not shut off my online banking and more transactions were made. i made a fraud claim that was denied, them stating that i needed supporting documentation. i went to XXXX they gave me all the information they had and i opened a new claim. wells fargo stated the information was not suffient to approve my claim. i asked what information they needed and they couldn't provide a response. I will attempt to reopen the claim but wells fargo has been unresponsive and the representatives via phone have provided me with no further action.
Product: Vehicle loan or lease

XXXX XXXX To Citizens chairman Subject : Formal Request for Compliance Information and Demands Regarding Credit Application Dear XXXX, I trust this message finds you well. I am writing to follow up on my recent communications regarding the denial of my auto loan application and to formalize my request for specific information in accordance with the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act Section 16 ( 2 ). 

I have carefully reviewed your recent response to the Consumer Financial Protection Bureau ( CFPB ) complaint and the details provided regarding the credit application received from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The vehicle applied for was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my name, XXXX XXXX XXXX. However, my concerns persist, particularly regarding the alignment of the denial with federal regulations. 

As the denial is a significant decision impacting my financial standing, I kindly request specific details outlining how my application did not meet the credit lending criteria, as per the ECOA regulations. This information is crucial for me to better understand the basis of the denial and ensure compliance with federal law.
Product: Money transfer, virtual currency, or money service

I was contacted by a wrong number and eventually got dragged into conversation with this lady, at some point we moved our conversation to XXXX were she introduced me to a crypto trading platform called XXXX. This was a clone company so I could not know that these were fraudsters. For some time, I was trading with some success, but at some point, their support service told me that I must pay certain tax or I will face penalties on a daily basis. I was scared and I had to take loan due to the fact that there was no way for me to earn that much money. XXXX, who was initial contact reassured me that this is normal procedure with trading platforms and I fell for it. I ended up losing XXXX USD which was my entire life savings Funds were transferred from my Ally Bank account, I have approached them with an ADR and they closed my account and took all money out and sent it to me via mailing address. 
I have accused hem of breaching CDD measures and asked for chargeback, or reimbursement and this is what they did, I am so disappointed. 
They sent me a written explanation on my request few days after they closed my accounts. 

Excuse was that my account was involved in suspicious activity, but they said this only after I approached with ADR letter.
Product: Debt collection

I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I just read an article in the XXXX XXXX XXXX about Citizens bank being fined for botched deposits. Well it just happened to me, so they are still doing it to consumers. 
On XXXX/XXXX/15 I deposited a check for {$3700.00}. Fortunately I had the check photo printed on the receipt and it only shows {$740.00}. On XXXX/XXXX/15 I went to the branch and they said it would take up to 10 business days for me to get my {$3000.00}. I think this is not right! You should fine them some more.
Product: Credit reporting

Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THE INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had got a free trial from XXXX XXXX and XXXX20 they took XXXX out my checking account i want my money back!!!!!!!!! I didn't even finish the free trail and im been charged!!!!!!!!!!!
Product: Checking or savings account

I have a business account with a large bank outfit for 6 years in that time with daily deposits, the bank 's matrix has siphoned over {$18000.00} per year annually on average in un stoppable spiraling effect that know matter how many balloon payments I submit I always return to the same situation. It has been the only glitch on my efforts in business. I modify the expenses as much as I can and I never see it improving. This excessive charges have also resulted in numerous late fees in other areas of business due to the stress on the cash flow. I need help. I pay all expenses with cash with very little debt as of today. There is pending system they operate between XXXX and XXXX each day that allows them to play with my daily deposits and transactions. There is a great deal of statements to review If we are to move forward I will furnish them upon written request,
Product: Credit reporting or other personal consumer reports

I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After XXXX failed to help resolve this issue, I feel my rights were violated. 

15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit card or prepaid card

I asked for Discover to dispute a charge of {$1200.00}. Discover said the merchant didn't send any documents to support the charge and Discover said I needed to pay anyway.
Product: Money transfer, virtual currency, or money service

Cash app!!! my account was hacked. My bank return the funds now cash app telling me that I owe them the money!!!! and I can't close the account they also said I should get people to cash app me some money so they can keep the money. I sold my XXXX XXXX stock for {$130.00} and they kept my money. I'm try to close all the accounts that was hacked and everyone is acting like I owe them something there is so much fraud going on. I know XXXX XXXX will be the next company I'll comp! ain't about. Thank y'all for helping me
Product: Credit card

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX and on XX/XX/XXXX, XXXX credit cards were opened under my name. I suspect my information was stolen at the dealership. I received the credit cards to my home on XX/XX/XXXX. I immediately reported these XXXX cards as fraudulent and reported it to the XXXX credit bureaus as well. XXXX acknowledged the credit card as fraudulent and closed the account. Barclays bank has insisted that the card was not opened fraudulently and has reopened the account 3 times since I have called to report as fraud and close the account. They increased the credit limit on that card from {$5000.00} to {$20000.00} after I had called them to close the account. Barclays asked me to submit a police report on the XXXX attempt to close the account so that it can be considered when they perform their investigation. On XX/XX/XXXX, shortly after I submitted all the paperwork they requested which was on XX/XX/XXXX, I received letters attached stating they were reviewing the case and the following day another letter was addressed that they again did not believe the account is opened fraudulently. I called again on XX/XX/XXXX to request the account be closed. I have called Barclays bank 3 times to request this fraudulent account be closed. They have continued to reopen the account and increase the spending limit a whopping 400 % at XXXX instant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a alert that my credit score had droped. When I go in to check my rooms to go account states that Im 60 days past due. I call to see what is going on since XXXX is stated as a missed payment and tell them that the information is incorrect due to my payment being taken out successfully on autopay. They also try to argue that the XXXX payment were rejected due to insufficient funds but I clearly with them that the payments were supposed to be removed from my XXXX XXXX  XXXX account and that I made the phone with a agent not online. I spoke to. Two representatives that were very rude and did not try to listen to my concerns and rudely hung up. They can not report a account past due when payment were taken out on autopay.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not been able to access my credit report since XX/XX/year> and the company is claiming that there is a server outage and that I must reset my password, however I've done that several times over last few months and I still have no access to my consumer report. The last agent I spoke to told me I would have to get a mailed copy and that I would have to purchase the score, and when I attempted to do that I was not able to login to gain access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am a victim of a data breach. Please block this information from my credit report within XXXX business days, pursuant to section 605b of the Fair Credit Reporting Act ; XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$9500.00}. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$34000.00}. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

You were advised to remove unauthorized inquiries from my credit report in a letter dated XX/XX/XXXX and you failed to acknowledge this request. You were also sent proof that my personal information was involved in a data breach, and you were sent an FTC report and failed to remove these inquiries. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, which neither of which apply. I have attached an invoice for the violations of your company. The following inquiries are to be removed and payment remitted to the address on the invoice within 14 days. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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


Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.