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

I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance. 

Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.
Product: Consumer Loan

I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXAccount # XXXX 2XXXX XXXX  -Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXXAccount # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXX XXXX-Account # XXXX XXXX XXXXAccount # XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX Account # XXXX Account Name XXXX Account # XXXX 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. 15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( 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. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and XXXX  has violated them all they sold my information to a third party service XXXX XXXX XXXX XXXX without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Product: Credit card or prepaid card

I have applied for CapitalOne Venture X card in XXXX this year. My application got approved and I received my card towards the end of XXXX. As soon as I received the card and activated it, I used it immediately. Then, to my surprise, my card was put on restriction right after my first use and I cant use the card since XXXX. However, I got charged for the card annual fee of {$390.00} immediately. 

I contacted CapitalOne to find out why my card was locked and was requested to submit additional documents for verification. I have provided CapitalOne my New York State driving license, my Social Security card and a copy of bank statement that I have with XXXX XXXX. I banked with XXXX as i have my investments with them. My bank account with XXXX is XXXXXXXX XXXX account. They denied the verification of my bank statement. They told me that the bank statement needs to show either checking or saving accounts. 

I strongly believe that CapitalOne has not completed the application verification process for my case but rushed to approve my application in order to charge me for the annual fee. If I cant use the card due to the incomplete verification process from CapitalOne, I should not be charged for the service that is not delivered. XXXX XXXX ( ID # XXXX ) insisted that it was fraud. I do not understand how I committed fraud if I applied for a credit card for myself and I have provided all required documents. I dont have any utility bills under my name because I travel out of country a lot so the rent and utility bills are under my friend who I share the apartment with. But I found it is not relevant. 

For my case, since I cant use the credit card, I have requested for the refund for my annual fee but they refused to refund me the annual fee of the credit card that I am not allowed to use. I would appreciate if you have someone look into my case ( CapitalOne case no. XXXX ) and let me know if there are something you can do. I hope other customers do not have to have unpleasant experience that I have to go through with my experience with CapitalOne. Thank you in advance.
Product: Debt collection

Another debt collector like XXXX XXXX XXXX XXXX that pretends to collect a debt with out investigation the nature of the truth.

They said the same as XXXX XXXX XXXX that debd is been validated, then when I requested original documentation where shows amounts owed, they just switched to another company. I personally believes this is the game the utilize to rip off people with the excuse of " collecting a debt ''. Their practices are not completely clear.

I have had trying to contact them several times and never answer, neither provide the information requested.
Product: Vehicle loan or lease

I sent the check to make my monthly payment to Zinc auto finance. I was called by their agency and informed that they did not receive the check and instructed to make an automated payment at XXXX. I agreed to do so because I wanted to make my payment. I was informed by the associate that my check would not be deposited. I found out that the payment could not be processed through a card but only by cash at XXXX so as you can see dated XX/XX/XXXX ... there was a withdrawal for XXXX which is my payment. Then on the same day my check was also deposited. I called XXXX XXXX XXXX and asked what had happened and asked for a reimbursement of one of the payments. I was told to call my bank and ask for a reversal. My bank informed me there was nothing they could do and to contact Zinc and ask for a refund and they would take care of the overdraft fees which total over XXXX dollars. I called Zinc back and explained what my bank had informed me. I was placed on hold for over 20 min and then hung up on twice " by accident. '' I was then directed to leave a voicemail for the supervisor. I proceeded to do so and explained my situation. She called back and I again explained what had happened. She informed me that there was nothing they could do for me. She said she spoke with accounting and they were unable to process a refund. I was literally in tears asking her if there was something she could do. I agreed to one payment not two. I am a single mother going to school and working and could not afford the double payment. I explained if she would reimburse me my bank would cover the fees. She said she would talk to the accountant again but there were no guarantees. I was just in shock that a company would take two payments and not reimburse one. These people clearly do not care about people they only want their money and will not stop at any point to get it. I am most definitely responsible for making my payment but I simply could not afford two. I highly recommend anyone looking for a bank to take a loan out with to look elsewhere unless you are ok with being treated poorly. I am still stunned at the way I was treated. They told me it was my fault for not putting a stop on the check when I was informed it would be documented that my check would not be cashed. The clerk who I spoke with on the phone had an attitude and told me " I did n't write the check. '' They asked me why I made the automated payment when I wrote the check and all I was trying to do was make my payment and be honest and be in good standings with these people. I am just downright surprised at how I was treated. I made another bank account to take care of other bills I need to stay afloat while making payments on the other account as I can. All because I was denied a return on a double payment.
Product: Debt collection

The company has received a credit card debt from CITI back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Product: Credit reporting

Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED IT.
Product: Credit reporting or other personal consumer reports

I submitted many complaints to Experian they only fixed the issue when I did my complaint with your company please refer to complaint id XXXX. XX/XX/XXXX they increased my credit score by XXXX points again which is what they keep doing is decreasing me by XXXX points for no reason and then they increase it once I contact an oversight company or wait it out for several months. This is without provocation and has nothing to do with my credit history or reporting literally nothing has changed. Yet XXXX XXXX they did it again. This is very frustrating and they give generic and general answers but never investigate or resolve the real problem. This to me is a form of fraud that they perpetuate against me every few months and I have documented and can prove that this is a regular practice against my credit score. No other credit reporting agency does this just Experian .There is history and proof of this being a pattern in my previous complaint listed by id above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}
Product: Vehicle loan or lease

I bought a 2024 XXXX XXXX on XX/XX/year> through XXXXXXXX XXXX XXXX XXXX in XXXX, CA. I financed it as my plan is to quickly pay it off. My APR is 9.99 %. A friend who recently bought a new bike at a different dealership told me of a promo XXXX offered during the month of XXXX where I could have qualified for either a .99 % or 3.99 % APR. That promo is here : XXXX : XXXX #. My credit is excellent ( my XXXX score is XXXX ) but I was never made aware of this promotion. I called this morning and spoke with my sales manager  XXXX XXXX ( aka XXXX ) -- who told me I wasn't offered this special rate because they applied a {$750.00} rebate to the bike. I would have much rather had a .99 % interest rate than a {$750.00} rebate. Ultimately I just would have like to have known my options so that I was making the best financial decision.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed in pursuant to FCRA 605B, ( 15 U.S.C. 1681c-2 ), that the CFPB is obligated to expunge any and all identity theft and fraud information from my consumer credit report within 4 business days of receiving the complaint. The fraudulent inaccurate information, consists of : Unauthorized Accounts XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX & XXXX, XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX ( Account # XXXX ) XXXX. XXXXXXXX XXXX : XX/XX/XXXX ( Account # XXXX ) Repercussions Fraudulent inquiries Fraudulent collections Rightful Demands 1. Immediate, ( within 4 Days of receipt ), removal of fraudulent items from my consumer credit reports.

2. Cease all collection activities related to these items.

This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The stated accounts on my consumer credit report were not created by me, and are the result of identity theft and fraud. Therefore, I do not recognize the accounts reported on my FICO consumer credit report. 
Please see the attached FTC Identity Theft Criminal Complaint, # XXXX, as supporting documentation, and proof, that the stated consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My ongoing efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report have been futile. These erroneous entries continue to severely affect my life, resulting in considerable anxiety and distress. I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Product: Debt collection

Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX Account 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
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason at all and has been holing my remaining money on my account for more then 11 months now. I have tried to get in contact with them over 50 times and have only got through twice and got a answer which i was told they cant help or give me any information on my funds. This has to be a mistake i have done nothing wrong for my money to be held for almost a whole year now. I have bills to pay and the way paypal is conducting business is very sad. XXXX is the email linked to my account.
Product: Checking or savings account

called XXXX XXXX customer service number to get help with a deposit my daughter sent me and it wasnt applied yet so i called for help. a guy got on stating he was XXXX XXXX  customer services and can help my get my money he just needed to verify some information. i am new to XXXX XXXX  and did not know their protocol. the guy had me download an app and he moved through the process to get my money to me. he had me transfer money to my daughter then had her send it back then he did some sunny teqnsfers and they failed then as i was entering things in my phone i got suspicious when i typed a letter and he corrected me and i said wait you can see what im doing on my phone and i disconnected the call. right away i contacted my bank and XXXX XXXX and was unable to get help from either place. both businesses told me that it shows i did these transactions and they closed my case and will not open it back up. this person called me a few more times to help me and i told him to stop calling and that i reported him he then texted me cursing at me and said well i still got your money. i blocked him from my phone but kept the text msgs i called my bank for help and they wouldnt help me they stated they tried to retrieve the money and couldnt and they have documents showing i did do these transactions. i tried to explain to them they i got scammed and this person got access to my phone and my information but they did not want to hear any of it and kept cutting me off at my words and kept stating the documents show i did. this scammer was smart and made it look like i sent myself bitcoin and my daughter bitcoin and i didnt. i dont even have a bitcoin acct. how can i get my money back and get this person to pay for what he did? i need help! please this person transferred XXXX twice documents are attached
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and, as a result, my personal and financial information has been compromised. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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