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

On XX/XX/2017 I purchased an XXXX water treatment system at a cost of {$6600.00} from an XXXX salesperson. I paid {$3300.00} from my credit card and the remaining {$3300.00} was financed through Aqua Finance Inc. The loan was offered at 0 % interest rate if paid in full within 12 months of the initiation of the loan. On XX/XX/2017, I created an autopay schedule at a rate of {$270.00} per month so that the loan gets paid in full within12 months. The electronic system of the Aqua Finance Inc. did not accept or confirm this autopay for $ XXXXmonth. But I assumed this was accepted by the system as it was shown on the screen after submission. Unfortunately, I have lost the screenshot of that page.

Afterwards, Aqua Finance has been charging the minimum amount due, {$83.00}, each month which I did not have noticed due to my assumption that it was getting paid in full within 12 months. As a result, I have been charged 15.78 % on the initial amount of {$3300.00} for 2 years. The total interest that Aqua Finance is claiming is {$1000.00}. Had my autopay been accepted by their system, I would not have to pay any interest at all. 

I think their system is designed to reject payments that are scheduled to avoid interest charges. I hope the CFPB will involve an expert IT auditor to investigate their system so that customers like myself are not victimized in future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, UNAUTHORIZED INQUIRES ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is confusing my identity with someone elses, who coincidentally was born on the same day, XXXX, at the same hospital and who has the same name as I do. I have attached a copy of my Drivers License and Social Security card. Please verify and update the correct information on my Experian account. Confusing my identity with someone else with my credit reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

XXXX logo XX/XX/year> Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/year>. Important : Checking for loan offers did not affect your credit score.

We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX/. XXXX, 2023 I received an alert, stating there was an unusual login someone was trying hack my account so I contacted cash services to report the problem. The Hacker then proceeded to change the phone number and email address and so forth. I was able to catch it and change it back and when I reported it to the cash support they put a hold on the account for 24 to 48 hours and was told that I could access my funds after this time when I went back in to do so, it would not let me and I was not able to access the account since Ive tried contacting them on numerous occasions and no ones able to help me with the problem and isnt able to provide any information or how to resolve the issue to retrieve my money that was on there
Product: Checking or savings account

I told another company Current has been stealing from me. I sent myself a dollar to my bank account. There is no evidence now after I realized I should have recieved it. Not only that my account was negative XXXX XXXX XXXX XXXX dollars. My account can't be over negative XXXX XXXX dollars. They keep lying to me. Their response is that's not what I see or that's what is showing. After I told them that another company charged me for no reason. As those company 's keep doing. After I told them through chat and phone, They stole from me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian blocked information as requested and closed my dispute in my favor. But now one of the accounts in question has been reinserted. I need this information removed again.
Product: Money transfer, virtual currency, or money service

Google pay closed my account. I have a balance in my account of XXXX dollars. I was told on XX/XX/XXXX the money was being transferred to my ban account. For some reason it never was. And it is back in my Google pay balance. Now they are telling me that it can't be sent to me and will be turned over to the authorities. But will not tell me what authorities.
Product: Credit reporting or other personal consumer reports

I have recently examined my consumer report and observed several instances of late payments on an account for which I have never been overdue. 

Consumer reporting agencies play a crucial role and are obligated to accurately report consumer information to the best of their ability. 

I have consistently made on-time payments for the account XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. 

I request a thorough investigation into this matter and urge you to furnish evidence, such as statements, demonstrating the alleged late payments. 

If substantiating proof can not be provided, I insist that these payments be corrected to reflect their accurate status as XXXX XXXX, ' as I have ALWAYS maintained timely payments. Thank you.
Product: Credit card or prepaid card

I had this account since XXXX  and they keep reporting delinquent account by XXXX XXXX days and right now l continue to have a credit card with them and l am not behind or delinquent at all up to this day but they will not correct their reporting delinquent payments, l personally called them to have the info removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under XXXX XXXX in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX sent me a copy of my XXXX MTG Statement. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX  XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX  XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX  XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX Circuit Court for an alleged private student loan. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX owns my original note/instrument and not a copy with my wet ink signature.
Product: Student loan

For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over {$600.00} a month. During this time my loan collected nearly {$5000.00} dollar in interest! My payments were {$1100.00} a month. I would make a payment and then on my next billing cycle the balance on the principle would be {$1000.00} higher then the month before after making a payment of over {$1100.00}. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my questions or where this extra money on my balance had come from. On 6 different occasions I was told " this will have to be looked up manually. We will call you back! '' I have NEVER received a phone call from Sallie Mae unless to collect my money!!! At one point I asked to speak to a manager who also put me on hold and when he could not answer my questions he became agitated and hang up on me!!!!! OUTRAGEOUS! I am at a loss with this ignorance. There is no office to go to ... no extensions to speak with the same person twice. It is madness and Sallie Mae is corrupt and taking advantage of an entire generation of people!
Product: Checking or savings account

PayPal and XXXX have siphoned my {$8400.00}.
Product: Checking or savings account

Hi- Im on XXXX  leave and paid XXXX  in XXXX. My first check after waiting a month was deposited on XX/XX/XXXX to my Capital One account and its now XX/XX/XXXX XXXX on Friday before XXXX day and no money in account and no update on when theyll resolve direct deposit issues theyve been having since Wednesday XX/XX/XXXX. They actually emailed me around XXXX on XX/XX/XXXX with a general apology - but havent responded to any inquiries tweets or DMs for me or the millions who are facing this issue. And it doesnt look like well have anything until at least Tuesday
Product: Credit reporting or other personal consumer reports

Hi, All three credit agencies have incorrect personal information on their website, which can lead to sensitive information going to individuals and addresses that do not belong to me. 

My legal name is : XXXX XXXX XXXX. Please remove all other variations and incorrect spelling or arrangement of my name. I have one name, so only one name should be on my credit report.

I have only one address which is below. Please remove all other addresses and variations of address. I don't want sensitive mailing going to an address where I do not collect mail or live. This is how identity is stolen. 

My true and correct name and mailing address is below. 

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

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

I am a consumer, a natural living person pursuant to 15 USC 1692a ( 3 ). I am exercising my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act demanding LVNV FUNDING LLC who is a debt collector pursuant to 15 USC 1692a ( 6 ).

I am demanding LVNV FUNDING LLC to cease any and all collection efforts until LVNV FUNDING LLC obtains verification of alleged debt under OATH as required by federal law pursuant to 15 USC 1692g ( b ). 

If LVNV FUNDING LLC or its representatives fails to comply under federal law I will use any information LVNV FUNDING provide as evidence or insufficient evidence as a violation of the FDCPA and my consumer rights and hold LVNV FUNDING and its representatives liable for damages pursuant to 15 USC 1692k. 

Please note if alleged debt is not verified under OATH or a sworn statement as required leads me to believe that you are committing FRAUD, EXTORTION, RACKETEERING and Abusive debt collection practices. 

I am demanding LVNV FUNDING to delete or remove this account from all credit reporting agencies immediately upon receipt of this NOTICE or I will charge you {$1000.00} per day for damages. This is my offer to you. 

Alleged amount owed {$610.00} Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.
Product: Credit card or prepaid card

Paypal let XXXX XXXX Bill me using wrong email address i have on file for login, receive funds.The email XXXX  XXXX XXXX is mind, but not for paypal.Invoice sent to paypal for {$190.00} on XXXX XXXX say past due.Invoice # XXXX Name XXXX there email is XXXX and had Note to customer Your Order of XXXX XXXX placed successfully kindly do the payment of {$190.00} To XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

For several years now I have been recieving collection calls and a collection letter looking for a "  XXXX   XXXX   XXXX  '' regarding his defaulted student loans. The first collection letter which was mailed to my home address was from the loan guarantor  XXXX   XXXX   XXXX . I did n't open the letter because it was n't addressed to me. I did call them, and told them of the mistake. Short time later I started to recieve collection calls from various companies like  XXXX   XXXX ,  XXXX   XXXX  and others looking for the above individual. I again contacted  XXXX   XXXX  and  US D epartment of Education as to why I was recieving calls. On   XXXX   XXXX  , I recieved a call on my cell phone from a company called  Collection Techology Inc l ooking to a  XXXX   XXXX   XXXX . I explained they had the wrong number and asked why they were calling on my cell phone. She told me it was the number on file and wanted to verify my DOB and SS number. I gave her my date of birth and she claimed it matched, and then proceeded to request the last  four  of my social. I refused and told her she needed to provide the last  four of what they had on file, which she did. She actually gave out the last four o f his social. Needless to say the conversion became extremely heated. I sent an email to their general counsel expressing my anger over recieving an auto dailed call to my cell phone and the violations of the FDCPA. A couple of weeks later, I recieved a response from a  XXXX   XXXX . The attached letter was full of errors. First they claim to be looking for me and not the other individual. I called the number back from another phone number and when I gave them my full name they stated they did not have such a file. I gave them the cell phone number they had called and they then confirmed they were in fact looking for a  XXXX   XXXX   XXXX . The letter implied the my cell phone number was supplied to them by the original creditor and they would correct the suppliers bad information. I again called both  XXXX   XXXX  an d US DoEd, and neither my cell phone nor landline are associated with the account. The let ter goes on the deny the use of an autodialed call and denies giving out the last  four of so cial violated the FDCPA. I sent another email back to both their general counsel and the original senders email and to date have heard nothing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PAC AUTO FINANCE XXXX XXXX XXXX, XXXX XXXX Request for 1099-C Form for Charged-Off Repossession Account Dear, PAC AUTO FINANCE I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for the charged-off repossession account associated with the following information : Account Number : XXXX Original Loan/Contract Date : XX/XX/XXXX Amount Charged-Off : {$2700.00} written off. {$6800.00} According to IRS regulations, a 1099-C form should be issued for any canceled debt of {$600.00} or more, and I understand that this account was charged off on XX/XX/XXXX. Since I anticipate the debt cancellation amount exceeding {$600.00}, I kindly request that you send me the appropriate 1099-C form within 14 days of receiving this notice. 

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subiect vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC {$9.00} remedies Please let me know if you need any additional information from my end to process this request. I appreciate your prompt attention to this matter and look forward to receiving the form for tax filing purposes. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I called Citi to verify a XXXX transaction. They asked me for my phone number, I gave them my cell number I use for all financial institutions. They told me they don't have that phone number in some registrar. They asked if I had any other number- I only have a cell and VoIP - they put me on hold and a minute later told me they closed my account and I would receive the funds as a check in the mail in two months.

I talked to a supervisor, who told me there was no other way to prove my identity. I asked why it takes two months to receive my money, and XXXX could only tell me it was their process. I asked by what date I should receive a check, and he said XX/XX/XXXX. However, horror story after horror story on the Internet about Citi show that it can be much longer. 

I talked to executive services. I asked them what documents could I provide for their process. They said any documents I send would not help. I asked them why it takes two months, and they told told me that's their process. I asked them what their process was, what they were doing for two months. They told me it's just their process. I was told I would receive a tracking number, which I have not received yet. 

They have most of my liquid savings tied up in an account they closed. They are not giving me more info, and they said the info I could provide them won't help. I have spent at least 4 hours on the phone with people who don't care, don't listen, don't understand words I am saying, and thought " XXXX '' ( a bank I transferred from ) was a person. My money is not earning interest. And the kicker is that four days after they closed the account, I would have earned a {$200.00} bonus from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX/XXXX/Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX TX XXXX Balance : {$490.00}, XXXX XXXX XXXX  XXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX