23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$8200.00}
Product: Debt collection

To Whom it may Concern : I received a call from XXXX XXXX  with One Main  during my work hours which wasnt a good time for me. I will attach a picture and phone number XXXX from One Main called me from. Please request a recording of the call. The call came from XXXX ( XXXX ) XXXX at around XXXX Thursday XX/XX/XXXX the call screen shot is at XXXX duration XXXX 15 U.S. Code 1692d ( a ) 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 He begin to call out the debt I owed with XXXX and other medical bills. He said I have all your accounts infront of me. With XXXX calling out my accounts I felt he was defaming my character. He also called out the last four digest of my social security as if he has me cornered. This is a violation of my consumer rights 15 U.S. Code 6802b. 

He then told me where is your moral. He then begin to call out my place of residence in a threatening way, letting me know yea I know where you live. I immediately thought about my wife and kids of now having protecting them, thinking of one day XXXX XXXX  could show up at my place of residence. I felt very threaten now I have to live my life wondering if he will show up to my place of residence. 

I felt threatened this is a violation of my consumer rights 15 U.S. Code 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I felt abuse and profane language towards me from XXXX XXXX  when he said where is your moral, you have charge off you owe conns and the medical debt. 
This is a violation of my consumer rights As a I felt I was extremely harassed, threatened and coerced into making a payment to the One Main account we discussed. This is a violation of my consumer rights 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 

He then transferred me to a supervisor who begin to say you breach your contract. This is the first time I experienced this type of behavior from One Main and this is unacceptable. My rights were violated! I am very shakin by this treatment from XXXX XXXX  of One Main. I had to have a conversation with my wife which she is now worried that XXXX can show up to my address at anytime. This is XXXX to my heart soul mind and family. 


I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Abuse and Harassment 3. Harming my reputation 4. Obscene and Profane Language toward the hearer 5. Attempt to coerce into paying debt
Product: Credit card or prepaid card

I have a Best Buy VISA card with Citi. I need to access my most recent statement in PDF form because my mortgage lender has requested it in advance of closing on a house this week. The XXXX statement closed two weeks ago but it's not available online. When clicking on the " view statement '' link, nothing comes up, just a refresh of the account home page. When clicking on the " statements '' header in the top menu, it pulls up the ability to pull an XXXX file of the transactions, but not the actual statement. 

I have tried on multiple devices and multiple browsers, with and without cookies, and with all the potential security/privacy features turned off ( i.e., popups allowed, etc. ). It's not a technical problem on my end. 

I have sent repeated requests to Citi about the problem but they refuse to actually review my question and simply repeat variations of the same basic technical issues ( only use this browser, try logging in and out, etc. ) or other generic information about how it takes 2-3 days after a statement close for it to become available. Literally, over and over, they send these insanely stupid responses that don't show any sense of reading comprehension. It's insulting, infuriating and intensely problematic for securing final approval of my loan. Hopefully my lender 's underwriting department is ok with a screengrab, but this is just nuts and could really hurt other people in similar situations. 

All I want is my statement, but they have a XXXX website, a XXXX customer support team and no interest in even hearing customer concerns. This company is anti-consumer.
Product: Money transfer, virtual currency, or money service

I have two PayPal accounts, one personal and one for a small business of mine. Both are under my name and with the same Social Security Number. 

On XX/XX/XXXX, I transferred {$1200.00} from my personal to my small business account and PayPal decided to hold my funds, transferred to myself, for 72 hours pending verification. I attach copy of the pending status of this transaction seen from my two Paypal accounts : I as a sender and I ( through my small company XXXX ) as the receiver. 

I have been a stellar customer with a XXXX perfect credit score for almost a decade, since the beginning of PayPal. 

I called their awful customer service. I was made to wait several times, until I decided to ask for a call back. When I finally got the call back, instead of connecting me immediately, I was made to wait another 15 minutes. A very rude Limitations Specialist that identified herself only as XXXX ( calling from ( XXXX ) XXXX ) and refused to transfer me to a supervisor, said that she was the only person I could talk to and basically go fly a kite. 

I'm furious that this company can basically take my money and do whatever they want with it for the time they decide. This should not be allowed. There is no basis whatsoever for they placing a temporary hold on transfers between my accounts and they are creating a potential risk to my small business by not having the balance immediately available.
Product: Consumer Loan

On XXXX XXXX, XXXX my car was repossessed at XXXX. I commute from XXXX to XXXX daily, and subsequently had to take off work. My work computer and room keys were in my vehicle. I was told the vehicle was being taken XXXX hours away. The XXXX repossession specialists charged me XXXX dollars cash to get my items from the vehicle. I was exactly 60 days late on a partial payment. My car note was XXXX dollars a month with a 22 % interest rate. The car was purchased XXXX XXXX, XXXX.At the time of the loan, I had a credit score of XXXX. I believe that Honda Financial/XXXX XXXX XXXX XXXX discriminated against me as an XXXX woman and charged me excessive interest, and also ran my credit numerous times, which actually lowered my credit score. The dealership was attempting to get a loan that was thousands above the car value and was refused by several banks. I was told that my " low '' score was the reason the interest rate was so high, and that I could refinance when my credit score went up again. I was not aware of the large negative equity until after the vehicle purchase when the credit denial letters came in the mail. I was not able to refinance the vehicle because of this negative equity situation. Now, Honda Financial is reporting a repossession on my credit, and the past due balance as XXXX dollars, which is two payments ... when the car was repossessed for a past due amount equal to one payment and a little less than half of a payment ( XXXX dollars ). I paid them thousands of dollars for over a year. I received a letter on XXXX XXXX XXXX dated XXXX XXXX, XXXX stating their intent to sale the vehicle in a private sale and seek the remainder of costs which currently equal XXXX more than the value of the car. I am also a military spouse. This is my third XXXX ; but the first purchased in XXXX. I believe Honda Financial has a history of discrimination, and dealer markups directed at minority consumers in this area. I am also certain that the repossession was also discriminatory. I believe the Department of Justice abd the Consumer Financial Protection Bureau, along with other regulatory agencies should investigate the pattern of Honda Financial Repossessions and predatory lending practices. After, I told XXXX in the recovery department about the completly unprofessional manner in which my car had been repossessed, and my belief that I was discriminated against ; he asked that I fax proof of insurance/pay stub. I did this, but heard nothing for weeks. On XXXX XXXX I received a phone message stating that they were making a last attempt to return the car to me??? Still ... nothing in writing besides the letter about the private sale and a notification of 60 days to collect any of my possessions from the vehicle. There were multiple layers of problems with Honda Financial/XXXX XXXX from the sales tactics/pressure, to the taking out the loan, to the repossession.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account shows a XXXX balance on a XXXX XXXX as of 28 days ago. I have not used this card in years, may not have used it at all. I tried to view transaction/balance on XXXX  website and was unable to log on. I called XXXX and they were unable to locate anything under my name or card number. I can not even view card or info on my XXXX XXXX app. What do I need to do next.
Product: Credit reporting or other personal consumer reports

Per Experian credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Product: Credit reporting

I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -
Product: Credit card or prepaid card

This bank lied to Me Enrolled me Im a customer fixed assistance program I lost my XXXX they said I was approved for 5 years lowering my monthly payments since my I come has been reduced to due to unemployment from job loss Due to Covid 19 They enrolled me And then I get a letter in the mail Saying I was declined by them this is ridiculous they lie to their customers by phone then send them notices by mail disagreeing with what they told me and even set up monthly drafts from my checking account then Im very upset
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX has violated my rights.

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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1957 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute and request a thorough investigation into the inaccuracies present on my credit report. I believe that the following violations of federal law have occurred : Violation of Fair Credit Reporting Act ( FCRA ) - Accuracy and Completeness ( Section 607, 15 U.S.C. 1681e ( a ) ) Incorrect Personal Information - Current Address Incorrect Personal Information - Previous Address Erroneous Bankruptcy Entry Questionable Account - XXXX XXXX ( Account Number : XXXX ) Questionable Account - XXXX XXXX ( Account Number : XXXX ) Unrecognized Account - XXXX XXXXXXXX ( Account Number : XXXX ) These inaccuracies have significantly impacted my life, causing undue stress and hindering my ability to secure favorable financial opportunities. Allow me to share a deeply personal account of how these issues have affected me : Over the past several years, I have diligently worked to establish a stable financial future for myself and my family. However, the presence of these inaccuracies on my credit report has cast a cloud of uncertainty over my efforts. As a result of these errors, I have been denied opportunities to secure affordable loans for important life milestones, such as purchasing a home or financing my child 's education. 

The incorrect address listings have led to misunderstandings in my financial dealings, causing delays and miscommunications that have led to lost opportunities. The inclusion of erroneous bankruptcy entries and questionable accounts has further exacerbated the situation, making it incredibly challenging for me to regain control over my financial well-being. 

I must emphasize that I am not the owner of the bankruptcy case listed under Case Number XXXX or XXXX. Additionally, the accounts listed under XXXX XXXX ( Account Numbers : XXXX and XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ) raise valid concerns about the accuracy and legitimacy of the reported information. 

Given the tremendous emotional toll these inaccuracies have taken on my life, I implore you to enforce the legal protections afforded to consumers by diligently investigating and rectifying these violations. I kindly request that the credit reporting agencies promptly remove the aforementioned unverified accounts from my credit report to ensure that my financial history is an accurate representation of my actions and responsibilities. 

I eagerly anticipate your investigation and resolution of these issues, which have taken a significant toll on my life and financial prospects. I remain committed to working toward a better future for myself and my loved ones, and I believe that your intervention will play a pivotal role in achieving this goal. 

Thank you for your time and attention to this matter. I look forward to receiving updates on the progress of your investigation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around the XXXX of XXXX, XXXX, approximately {$34000.00} was fraudulently wired from my chase checking account. On XX/XX/XXXX I received a call from ( XXXX ) XXXX that purported to be chase fraud, asking for my cooperation to reverse these wire transfers. I followed their instructions & by so doing, my bank is taking the position that I verified wire transfers to be sent to 10 people with XXXX XXXX accounts. 

My bank has all the information available, including account numbers from XXXX XXXX used to receive these funds & I believe tracking numbers for the devices used to commit these fraudulent transfers. My bank did not ask for 2 factor authentication or other steps to prevent this serious wire fraud. 

Please help me find & prosecute these scammers/hackers, as well as try to recover my money from XXXX XXXX XXXX Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent Collection/Account. Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, which I new it was not my debt, but I paid it in good faith, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.
Product: Checking or savings account

My card was being charged allot of money every month a random charge was on my bank account and i broughg it up to the bank Wells Fargo and they told me it was over draft fees and then closed my account w out me knowing
Product: Debt collection

I am writing to you to express my serious concerns and dissatisfaction with the response provided by LVNV Funding LLC and Resurgent Capital Services L.P. to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, LVNV Funding LLC claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of LVNV Funding LLC and Resurgent Capital Services L.P. raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.
Product: Checking or savings account

A company by the name of XXXX XXXX XXXX   located in XXXX, California charged my Golden1 Credit Union Account in the amount of {$2300.00} onXX/XX/2018. I filed an Electronic Funds Transfer Dispute with Golden1 on XX/XX/2018 and explained to them that I had not done any business with this merchant and submitted all of my supporting documents. I called back a few days later for an update and was told my claim had been denied however, a reason was not inputed by the Claims Rep. I then requested to speak with a Supervisor and was transferred to Mr. XX/XX/XXXX, he couldn't provide a reason and stated he would return my call the next day, which he did not. I began to do a little research of my own and found EFT transactions are Government Regulated by Reg E. My Financial Institution where I have been a member for over 13 years and have two bi-monthly payroll deposits should have at least took a little more time to research my claim, contacted the Merchant to ask for supporting documents and followed the Reg E proper protocol and procedure prior to denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and Innovis continues to report incorrect information on my consumer report. My name is XXXX XXXX XXXX there should be no other name variations on my consumer report and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be immediately removed. XXXX is required under FCRA to report accurate information or face penalties.
Product: Debt collection

In XX/XX/2020 I filed with XXXX  XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX  some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.